Getting Hitched? Get Your Present List Covered

As many Brit's prepare to get hitched this summer, Confused.com reminds the lucky couples in receipt of gifts to check their insurance policies. As the value of items inside the home increases, some policies will need to be updated to avoid underinsurance.

Cardiff (PRWEB) June 24, 2009 -- As many marital homes across the country accept gifts and house expensive outfits for the big day, the comparison website urges all homeowners to be aware of small print that can occur in policy documents around the value of contents. Very few providers offer unlimited contents insurance and often there are upper limits included on single item values. For the home insurance (http://www.confused.com/home-insurance) policies that are not unlimited, the provider requires the customer to notify them of significant changes in value.

Below, the price comparison website explains the different types of policies available and the implications to the homeowner:

Many insurance providers offer 'sum insured' insurance. This accounts for around 99% of the market. This means that the policy holder is responsible in notifying the insurance provider should the contents of their home change dramatically. For policyholders who fail to do this, they can be caught out at claims process as they find themselves underinsured.

Some providers offer unlimited home contents insurance (http://www.confused.com/home-insurance) meaning homeowners do not have to worry about the value of contents increasing - such policies are rare within the market place. Even within these policies, single item limits apply so knowing the small print and maximum limits within your policy is essential.

Darren Black, head of house insurance (http://www.confused.com/home-insurance) at Confused.com said: 'As couples prepare for their nuptials the accumulative cost of wedding dresses, suits, rings, gifts and bridesmaid gowns can be overlooked in the chaos of a big day. More crucially these items can be left in an empty home as the happy couple leave the country for their honeymoon. With times as they are, it is really important people are not caught out. As the finer details of the big day are checked and double checked, I encourage everyone to add checking the insurance contract to the list.'

It is also worth noting some insurers require items of significant value to be specified. Items such as wedding bands and engagement rings can fall under this category. Such items are also likely to be taken away from the homes so ensure cover is adequate should they be lost or stolen. The key message is to check the small print and say I do' to insurance as well as your partner.

For further information please contact:

Press office, Confused.com: 02920 434 398

Notes to editors

About Confused.com:

Confused.com is one of the UK's biggest and most popular price comparison services. Launched in 2002, it generates over one million quotes per month. It has expanded its range of comparison products over the last couple of years to include home and contents insurance (http://www.confused.com/home-insurance), travel insurance, pet insurance, van insurance, motorbike insurance, breakdown cover and energy, as well as financial services products including credit cards, loans, mortgages and life insurance.

Confused.com has a panel of 60 home insurance providers - its typical customer saves £185.25* on their annual home insurance policy.

Confused.com is not a supplier, insurance company or broker. It provides a free, objective and unbiased comparison service. By using cutting-edge technology, it has developed a series of intelligent web-based solutions that evaluate a number of risk factors to help customers with their decision-making, subsequently finding them great deals on a wide-range of insurance products, financial services, utilities and more. Confused.com's service is based on the most up-to-date information provided by UK suppliers and industry regulators.

Confused.com is owned by the Admiral Group plc. Admiral listed on the London Stock Exchange in September 2004. Confused.com is regulated by the FSA.

###