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Car Insurance

Q; Why does my car insurance premium go up every year when the value decreases? A; The cost to repair vehicles and replace parts increases every year, and your insurance premium increases as a result. Most of your vehicle claims that you will have in your lifetime will be repairs, and the cost of repairing a vehicle is not impacted by the value of the vehicle or the year model. Q; If I am selling my car, will it be covered if I give it to a dealer or somebody else to sell for me? A; No, if your vehicle has been entrusted to somebody else as part of a sale process, you will not be covered if the vehicle is stolen. It

House Contents Insurance

Q; Does my House Contents insurance cover me while I am away from my house? A; Yes, you have some cover outside of your home depending on the circumstances and the insurance company that your policy is with. For example if your car is broken into, there are certain items that you can claim under House Contents. In addition, if you are staying at a friend’s house or a holiday house your House Contents will extend to cover you to some extent if you suffer a loss. Kayser Baird recommends that you specify valuable items or electronic equipment on your All Risks section if you want it to be covered away from home, and also that you take Clothing and Personal Effects cover