We really, really hope that this never happens, but should any of your precious belongings get damaged or stolen out of your home, you should be able to provide us with proof of ownership when you claim for it against your home contents insurance policy. So for your peace of mind, let’s look at the whats, the whys and the hows behind home contents insurance and how you can prove that you own what you say you do in case you one day need to…
What a summer! Every few weeks seems to herald a new heatwave. Whether or not you’re a fan (pun intended) of the heat, don’t forget about your 4-wheeled bestie. If underground parking is not an option and your garage is now a makeshift storeroom, try these other cooling tips to turn down the heat for you and your car this summer.
The layout of your home could easily be enticing burglars. What do we mean? Well, that burglars are up for the challenge. They’re keen to work around the design of your house in order to break in. Here are a few tips on how to make it harder for them. You know, bring something unexpected to the party that they can’t plan around.
With the year well on its way, schools have opened and tertiary institutions are welcoming their students back. If you have a child going off to study, chances are they have some valuables that they are taking with them. How many of us have actually considered what will happen should these items get damaged or lost/stolen?
Getting into the habit of budgeting, or even working out a new budget, does not go without a pinch. This is especially harder at the beginning of the year, but with the right tools and attitude, you will be well on your way to a stress-free financial journey. Get on your way to saving with these tips…
Rules are made to be broken…. And so, it seems, are New Year’s resolutions. It might not be your plan in the first official week back to the grind, but if you don’t have the right backup it can be hard to stick out your resolutions for the full 365 days. Cosmos loves supporting you in your endeavours and there are a few ways we can help you out.
Ah, January, you are a cruel mistress….Despite being only 31 days long, January is still the longest month of the year for most of us. Our year-end bonuses have long since been spent on gadgets, goodies and holidays, and we’re all just counting the days till our next payday.
That said, all your new goodies and gadgets still need to be covered against risks like theft and fire.
The presents have been unwrapped and the new year is upon us…If you blink too quickly this next year might just be gonners!
We all know that change is as good as a holiday… And more often than not the holidays bring about lots of change. For some, this means a change in work, for others it might be a change in address, and then there are the lucky few for whom it means a change in car model.
I know that many of you are planning to travel across our vast and beautiful country over the December break. But before you pack your “padkos” and practice screaming ‘I swear, I will turn this car around!’ please read our road trip safety tips on this week’s blog.
How to keep your castle safe while you’re on holiday
Summer’s here, and while you might be more concerned with making sure you’ve got enough sunscreen and spending money for your December holidays, I suggest you also spend a little time making sure your home will be protected while you’re away soaking up the sun.
Oh yes – the holiday season is almost here, and boy oh boy, are we ready for a good time. From spending some quality time with our families, to some taking on the grandest parties with our friends – everyone should be looking forward to a jolly season.
Every time you move jobs, or homes, or buy a new car, you’ll need to update your car insurance policy, to make sure that all of the risk factors relating to where your car is most often parked have been addressed. It’s the only way to make sure you’ve got all your ducks in a row when it comes time to claim.
If you’ve ever shopped for car insurance quotes, you’ll know that among the first questions asked is this: ‘Who is the regular driver of the vehicle?’ Many customers wonder if the answer matters and why. The short answer is that it does matter, because the insurer calculates the risk and the premium on the basis of who the regular driver is.
We are all well aware of car theft and home burglaries. These crimes happen every single day, after all. But have you ever heard of criminals stealing things like copious amounts of beach sand or an entire bridge? Let us take a look at six of the strangest things that have ever been stolen.
Incorrect details mean incorrect cover, and when it comes to insurance, it’s as simple as that. Imagine how you’d look if you tried to claim for damage on your home and, in our books, your address is different. It’s awkward… And kind of a big deal breaker. As an intermediary, we know that life sometimes gets in the way of these kinds of things. But, keeping your information updated not only ensures that you’re covered, it can drop your monthly payment rate too.
The process of growing up is one that cannot really be avoided, even more so the responsibilities that come with it. Adulting*, as most millennials will call it, comes with often overlooked tasks – like getting insurance. You’re at the stage where you’re getting your own car, place, furniture etc.
Nobody really wants to think about the worst case scenario when it comes to their valuables…
6 Factors That Influence Your Car Insurance Premium
Insurance premiums aren’t the same for everyone and there are good reasons for that.
Broadly speaking, your insurer will calculate your risk of getting into an incident or the risk of the vehicle being stolen and assign a premium on that basis. People are all different, but many factors are common and can be used to reasonably determine a premium.