Hidden Value with antiques expert Drew Pritchard

Mike Shaw
Written by: Mike Shaw
Posted on: 10 March 2016

People collect clutter.

We’re natural hoarders, and quite often we keep hold of things we really don’t need; like power adapters from old phones, and those funny little multi-tools you get with flat pack furniture. But sometimes, what appears to be junk can be something more special.

(Antiques expert Drew Pritchard is no longer reviewing entries)

Are your hidden treasures insured?

Have you fully accounted for the value of all the items in your home? If you’re underinsured, you could be in for a nasty shock if it comes to a claim. Underinsurance could be putting between a fifth and a quarter of UK home insurance policyholders at risk, and that doesn’t even include those with no insurance at all.

Make sure your insurer knows how much your possessions are worth, so you can get the help you need as quickly as possible, should you have to make a claim.

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Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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