Allianz Blog Insurance Explained

Are You Covered? Possessions in Your Custody or Control

When you purchase Home Contents insurance it covers the contents that you own whilst they are in your home. Cover provided by home insurance policies differs between insurance providers, so we will look specifically at the Allianz policy.


What Am I Covered For?

Contents in an Allianz policy are defined as household goods and items that you normally wear or carry (referred to as personal effects) owned by you. In addition it covers:

Items for which you are legally responsible (including items that you have leased or hired).Items owned by members of your household, e.g. owned by your spouse, son, or daughter (as long as th...

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Insurance as an Enabler of Everyday Life

It’s easy to go about our day to day lives without thinking much about how insurance makes the mundane possible. But what if insurance didn’t exist?

Getting to Work - Risk vs Liability

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We get up on a Monday morning, drag the kids out of bed, and get organised for the day ahead. In the short time it takes to drive them to the school, there is potential for a collision, which could cause damage to the car or injury to the people involved. Without insurance, the responsibility for repairing damage or replacing your car is solely yours. Even if someone else was at fault, they could potentially deny this. Insurance enables y...

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Green Cards: Brexit’s Effect on Driving Across the Border

If a ‘no deal’ Brexit takes place then any person driving their Northern Ireland registered car in the Republic of Ireland will require a green card.

What Is A Green Card?

A Green Card is an internationally recognised insurance document which provides proof of the minimum compulsory motor insurance cover required by the country visited.  It is a hard copy document which is printed on green paper or with a green background.

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How Does it Work Right Now?

Currently all UK, including Northern Ireland, registered motor vehicles with a valid registration travelling within the EU are covered by the terms of the EU Motor Insurance ...

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Insurance - Handle With Care!

Most of us give little thought to our insurance from week to week. We hope that we never need to use our insurance. If the day comes where we do then we expect our insurer to treat us fairly and to provide a good claims service.

For our insurance to work as we wish when we need it, it’s crucial that we arrange it on the correct basis. We’re going to look briefly at the policyholder’s responsibility to ensure that sums insured are adequate.

The Claims Process

Doomsday scenario: Your house burns to the ground and all of your household possessions are destroyed. You make a claim to your home insurer.

You expect your insurer ...

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Handy Guide to Reading Your Insurance Policy

Here’s a choice for you – would you rather go to the dentist or read your insurance policy?

Reading your policy, or at least having some understanding of it, doesn’t need to be daunting. Here’s a quick guide to understanding the structure and content of it.

Your Policy Has More Than One Document

The policy wording: When you open your policy booklet you will find that there are sections which detail the covers that apply and circumstances in which cover will not apply (referred to as exclusions or exceptions).The schedule: This details the risk information specific to you. For example, your name and address, car details, ...

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You Right to Appoint a Public Loss Assessor

If you don’t know what a loss adjuster is then count yourself fortunate. Loss adjusters are insurance professionals who, in the event of an insurance claim, assess the loss and the amount of compensation that should be paid.

Let’s look at home insurance. It is common for insurers to appoint loss adjusters to assess claims for loss or damage resulting from (for example) fire, storm, water damage, theft. Although the loss adjuster is appointed by the insurer and has his/her fee paid for by the insurer, it is their duty to assess the loss and advise on claim settlement in an even handed manner, i.e. claim settlement shoul...

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