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Underinsurance
Underinsurance is when the amount you insure your belongings for is less than what it would actually cost to replace…
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Summary of insurance
A summary of insurance is a short document that sets out the main features of an insurance policy in plain…
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Removals insurance
Removals insurance covers your belongings against loss or damage while a removal firm is packing, loading, carrying and unloading them.…
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Public liability insurance
Public liability insurance covers a business if a member of the public, such as a customer or passer-by, claims that…
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Proof of ownership
Proof of ownership is evidence that you owned an item and what it was worth, such as receipts, bank statements,…
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New for old
New for old is a way of settling insurance claims in which a lost or damaged item is valued at…
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Loss adjuster
A loss adjuster is an impartial specialist in handling and settling insurance claims. They assess the damage, identify the cause,…
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Indemnity
Indemnity is the principle behind most insurance: after a covered loss, the insurer puts you back in the financial position…
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Goods-in-transit insurance
Goods-in-transit insurance covers goods against loss or damage while they're being carried by road, from the moment they're loaded until…
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Excess
An excess is the first part of any insurance claim that you pay yourself. The insurer pays the covered loss…