Low Insurance Quote

Statistics show that most second home house insurance claims occur during the winter, predominantly caused by extreme weather – frost, snow, flooding, storms, but also break-ins. This is understandable due to the very nature of holiday properties being locked up and left for long periods without inspection.

Claims costs: Insurers paid out £1.4bn in ‘big freeze’ insurance claims in the UK between 24 November to 31 December 2010, up from £700m for the previous winter of 2009/10.

• 467,000 – the number of claims that UK insurers dealt with
• £900m – the cost of property damage claims, 190,000 claims in total
• 103,000 – property damage claims were for burst pipe damage, at a cost of £680m.
• 12,000 – the average number of claims a day, at an average daily cost of £38m

Insurance provides cover for a list of specified perils. Policies do not pr

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Heavy snow storms, aided by wind, are the third-largest cause of headaches for insurance companies each year. Only hurricanes and tornadoes cost more than winter. The Insurance Information Institute (III) recently announced that winter storms result in roughly $1 billion in insured losses each year. From 1999 to 2008, winter’s price tag was $7 billion in insured losses, according to III.

Here are some things you need to know about your car and home insurance when winter weather hits.

Car insurance:

• Car crashes between two or more drivers caused by snowy and slippery roads are covered by liability insurance. A

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