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Many people who reserve a rental car show up to the counter with little thought given to the what if's that could result from them driving a car that is not their own. You wouldn't think of driving your own car without coverage, so take a few moments to consider how you will make sure that your rental car is covered. Here are 3 steps to take to ensure you have adequate coverage.

1.When you're calling the rental car company for a quote, find out how much the coverage costs and what it covers. Their rates for insurance/coverage may be higher but they also offer the least hassle, since you may not have to file a claim on your own insurance. Many car rental companies have a couple of options, including buying down the deductible to a hundred dollars (or so, depending on where you live) or even to zero.

2.Contact your car insurance company. They may already cover you for rental cars in certain situations. For example, if your car is in the shop, they may automatically transfer your coverage and deductible to a rental car. This is a replacement-only type of coverage because they are covering you on a different car. For an additional cost, you may be able to purchase either a temporary or ongoing rider (depending on the insurance company) to cover your rental car even if your car is not in the shop. This is considered a non-replacement-type of coverage since you will need coverage on both cars because they potentially could both be driven.

3.Contact your credit card company or check out the Cardholder's Agreement. Your credit card may cover you for rental car insurance. Check to see that they cover you in your specific situation. For example, there are certain cars they cover (some don't cover trucks or SUVs) or they may not cover you depending on where you drive or how long you have the car.

Armed with this knowledge, you can make an educated estimate of what the costs are to ensure that you are fully covered on your rental car. After all, you want to have peace-of-mind when you're on your next trip.

Most people in UK assume that a home insurance policy is enough to cover any sorts of loss of the contents in their homes. But it should be kept in mind that a simple home insurance might not be adequate to cover almost all the loss of your belongings. Here you should consider buying a home content insurance from the insurance market of UK.

While buying a home content insurance in UK, you should read carefully the documents and know exactly for which instances of damage or theft you will be covered. An average home content insurance in UK will cover you against instances of loss due to:

Theft or burglaries

Fire

Water coming out of dishwashers, basins, water installations etc

Loss caused by subsidence on the land on which your home stands.

Thus, while buying a home content insurance in UK you should be cautious and see that your home content insurance is providing you with all the above mentioned covers. The amount of coverage of your home content insurance in UK should also depend on the number of contents that are there in your home.

The more obvious items covered by home content insurance include furniture, household goods and electrical items like refrigerators, air conditioners, geysers, etc. Some items such as jewelry, contents in your refrigerator can also be included up to a stated limit.

It should be important to keep in mind that most often, certain valuable and rare jewelry, antiques etc. will not be covered under an average home content insurance in UK. You have to separately register these items and pay a little more extra to get coverage for these items. Again if you have purchased a new item, make sure to let the insurers know about it. Some extended home insurance will even protect your valuables when you are outside your home and even outside UK.

It has already been mentioned that to avail a home content insurance policy in UK, you will need a detail research of the various policies present in the market. Nowadays almost all the companies have their own websites; so you can easily shop for your home content insurance. By sitting in the comfort of your homes, you can select and even purchase a home content insurance in UK through the internet facilities. So act wise and buy a home content insurance policy now.