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Cheap Home Insurance
Grab 100+ buildings insurance quotes + cashback
Home insurance costs have increased – but even so, there are savings to be had and, with many people's finances impacted by coronavirus, it's even more important to check you're paying as little as possible. So check out our key tricks to slash the price, including never auto-renewing, how to time it right to bag the cheapest deal and what you need to know when looking for a quote.
Coronavirus and home insurance – can you cut costs?
If you're at renewal and looking for a new quote, we've our usual cost-cutting information below. But if your circumstances have changed, eg, you've been made redundant or you're working at home, plus if you're struggling to pay bills, read our coronavirus home insurance cost-cutting tips.
In this guide
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What is home insurance?
There are three main home insurance policies: buildings insurance, contents insurance and combined building and contents cover. Buildings insurance cover protects the structure (the fixtures and fittings in your home), while contents insurance covers your belongings.
Combined buildings and contents cover is only suitable for people who own the freehold of their homes. If you rent or own the lease only, buildings cover should be handled by your freeholder or managing agent. Contents insurance, however, is your responsibility and should be considered by everyone. See our Tenants' Contents Insurance guide for more.
What is covered?
The contents part of your insurance protects you against damage and theft to possessions in your home, garage and shed. The buildings part protects the structure of your home and permanent fixtures and fittings, such as doors and sanitary equipment (baths, basins, toilets and showers). It can differ from policy to policy, but home insurance will usually cover damage from storms, flooding, earthquakes, fire, lightning, explosions, theft, riots and vandalism. It also covers damage from falling trees, motor vehicles and escaping water (such as a burst pipe). Your cover should also protect you against subsidence (a shifting of the ground, which can cause your house to sink).
If you need both building and contents insurance, buying combined insurance can be cheaper and limit any disputes among insurers, for example, if you need to make a claim affecting both the structure of your home and its contents, such as a flood.
Should you decide to buy two separate policies and you need to claim, there may be arguments between your two providers over who should cover what. It is rare, but it is possible.
Most policies will also cover the cost of a hotel or B&B if you can't stay in your home following a fire or a flood, replacement keys and locks if they are damaged or your keys go missing, spoiled food if your freezer breaks down and the replacement of cash stolen from your home. There are limits on how much you can claim for, so if you're concerned about fancy frozen goods or you have cash hidden in your mattress, check your policy carefully.
Both contents and buildings policies give you legal liability protection as the occupier and owner of the home. This means that as part of the contents policy, the insurer will cover you and your legal costs if a visitor to your home is seriously injured and it's deemed to be your fault. A buildings policy will do the same if the structure injures a passer-by or visitor, or damages a neighbour's property.
Home insurance won't insure you against acts of terrorism. It also doesn't cover damage due to wear and tear. Your policy may also be invalid if your house is unoccupied for more than 30 consecutive days during the year (see leaving the house unoccupied below). There's also usually only limited cover for accidental damage (see add-ons below). Check the small print carefully before you buy.
Not being in your home can have consequences for your cover. If you sub-let your home, you won't be able to claim if you are burgled and there's no sign of forced entry. Or if you're away for a long time and a pipe bursts, your insurer may not pay out.
Insurers won't protect everything in your home just because you've bought cover – look out for situations where you'll need to make special arrangements. If you've a stash of high value items, there may be a limit on the insurance.
If you run a business from home, then that usually won't qualify for liability protection, while business-related contents may not be covered.
Eight home insurance need-to-knows
For the buildings element of house insurance, a common mistake is to cover the home's market value (the amount it might sell for), instead of the rebuild value – the cost of rebuilding the property if it was knocked down. The key is the cost of materials, labour and architects for your area. However, buildings policies should also cover the cost of somewhere for you to stay while your home's rebuilt or is uninhabitable.
To find a rebuild value, commissioning a survey is most reliable, but it's expensive unless you're getting one anyway (eg, if you're buying a new home). A less accurate, but quicker option is the Association of British Insurers' calculator.
For contents insurance, underinsuring could lead to you getting less than the value of your items if you need when you claim. Add everything up, including smaller items such as clothes, on a 'new for old' basis.
For example, if you insure £20,000 of possessions when you actually have £40,000, and you need to make a claim, then you'll only have 50% of your contents protected.
Quick questions
There are a number of useful contents calculators, but our favourite free ones are from Direct Line and the AA*.
Your insurer will ask you for an estimated value of your contents. But pricey items, usually ranging from £1,000 to £2,000, have to be separately listed to be covered on many policies. Expensive purchases such as high-end laptops and jewellery (including engagement rings) may not be covered if they were bought after your policy was taken out.
Even if your goods are valued under £1,000, some of them may not be covered, especially if they are mobile phones or tablets. A number of providers insist these items are specifically named on the policy, regardless of their value. After you buy something expensive, always check your policy carefully to ensure it's covered.
Always keep hold of – and safeguard – receipts for valuable items like jewellery and big-ticket items such as specialist cameras or high-spec televisions. Insurers will usually want to see proof of purchase before paying out. A receipt, photograph, valuation (for jewellery or antiques) or even bank statement will suffice. This is also the case if adding such items to an 'all risks' or 'personal possessions' add-on to your contents policy.
Make sure you're especially careful when you set the value of your contents. It may affect any potential claim and your level of coverage, as most insurers will only cover you on a proportional basis.
Sounds complicated? This is how it works. If you have £20,000 of possessions but you only cover £10,000, your insurer will consider you 50% covered. So if you have a claim worth £5,000, you'll only get £2,500 of your claim.
Having lots of contents and expensive items in your home may make it difficult to insure. Follow the steps below to find the right cover.
Decide how much to cover your contents for
With high value contents, it's crucial not to underinsure. It may seem cheaper to err on the low side, but this could lead to insurers not paying out when you need them to. Add up everything you'd want to replace, including smaller items such as clothes.
If you insure £20,000 of possessions when you actually have £40,000, you'll at best only have half of your contents protected or, worse still, the policy could be cancelled for being underinsured. The latter will mean a hike in the future cost of insurance.
To get your magic number, walk from room to room, noting what everything would cost if bought again new.
When you sign up, you must specify individual items worth a lot (£1,500+) – such as an engagement ring or an expensive watch – or risk them not being covered. If you're not sure, phone the insurer.
Very expensive possessions – eg, antiques, paintings – should be professionally valued. Remember their value may increase over time.
If you have several mid to high-value possessions, Hiscox* may be worth a check. Others are Home & Legacy, which provides three types of contracts, and John Lewis Specialist Home Insurance*.
Types of cover. Once you've defined the cover level, make sure you're comparing the price like for like.
New for old. Here, the payout should be for the original price of the items, though for clothing there's usually a wear and tear deduction.
Indemnity cover. The provider only pays out the current value of your possessions. It's cheaper, but it can leave you in the lurch.
Add-on cover. There are various types. 'All risks' includes property taken outside your home such as wallets or jewellery, legal cover pays for legal representation or disputes.
No single site captures the entire market, combining a number of comparison sites is the best way to make a really meaningful saving, so try them one by one.
Presents kept in your home will be covered by your usual contents insurance, but if you've bought big-ticket items as gifts they may need to be listed separately. Typically, the limit for single items ranges from £1,000 to £2,000, so check your policy and call your insurer if you've purchased anything above your limit.
Many home insurers automatically increase your contents cover in December (and some even into January) at no cost but, if you need extra and your insurer does not routinely up its limits, you may have to pay a small fee if you want to extend your cover. Some insurers will also increase your contents cover for other special occasions, such as religious festivals and weddings.
Here's a table of some of the market's biggest players that will increase contents cover automatically.
Insurer Uplift on contents cover Axa (HomeSmart/HomeSure) £7,500 increase Churchill 10% of the sum insured Direct Line 10% of the sum insured Esure 15% of the sum insured John Lewis (Plus Cover) £7,500 increase LV 10% of the sum insured More Than 10% of the sum insured Saga 20% of the sum insured Sheilas' Wheels 15% of the sum insured Correct at February 2020
Insurers usually offer the best deals to new customers, punishing existing customers with higher rates for failing to challenge them. If your renewal's coming up, jot it in your diary.
They charge more each year, knowing inertia stops policyholders switching. In fact, Citizens Advice submitted a super-complaint to the Competition and Markets Authority in 2018 after finding those who stick with an insurer for five years can pay 70% more than switchers.
Even though there are rules meaning insurers must tell you the premium you paid last year in correspondence to you, don't rely on this to take action. Compare comparison sites and then call your insurer to see if it can match, or even beat, the best quote you find. If they can match or beat it, you're quids in.
The most extreme example we've seen is from MoneySaver Billy, who was gobsmacked as his Tesco renewal jumped from £140 to £1,621 in a year, despite there being no changes. Luckily, he'd seen our tips and managed to cut the cost.
I've seen Martin talking about it on TV, but I was not prepared for a 1,000%+ hike. So I switched and paid £182. Billy
Quick questions
Don't assume switching is only for those at renewal, as you may find switching early saves anyway, especially if you didn't follow our full cost-cutting system in the past. There are three points to consider when doing this:
- You can usually cancel existing policies and get a refund for the rest of the year, providing you haven't claimed.
- There will normally be a cancellation fee – which varies – so your savings from switching could outweigh the cancellation fee to make it worth it. The longer you've got to go on your policy, the more likely you'll be better off switching your policy.
- You won't earn the current year's no-claims discount if you switch, so you'll need to be making a substantial saving to make this work.
- You can usually cancel existing policies and get a refund for the rest of the year, providing you haven't claimed.
A number of insurers will hold the price of the quotation for 90 days. So if you get a quotation two or three months before your renewal is due, you've locked in a price in case costs rise in the near future.
Aviva*, Churchill* and Privilege will allow you to buy a policy up to 90 days ahead, while John Lewis Insurance* is valid for up to 60 days.
Once locked in, the price is fixed as long as your details don't change, but you can always change your mind if you find a cheaper deal (see why buying 21 days ahead is cheapest).
Remember, the quotations are subject to your details not changing.
An MSE investigation in which we analysed more than three million quotes from the four biggest price comparison sites – Compare The Market, Confused.com, Gocompare and MoneySupermarket – revealed buying your home insurance three weeks ahead of the day you want your policy to start can save you 20%+, compared with leaving it until the last minute.
Based on an average price, the cheapest time to buy your policy is 17-30 days before the start date, with 21 days before being the optimum time. The differences in price are closely aligned to how much of a risk you're deemed to be, and when the highest number of insurers are likely to provide quotes (see the full price investigation).
Quick questions
The following are listed roughly in order of what's considered most secure, but there are no hard and fast rules to cutting costs.
MOST SECURE: Five-lever mortise deadlock conforming to BS (British Standard) 3621.
This is the gold standard of locks recommended by police and loved by insurers. If you're thinking of changing your locks, this is the one to go for. The British Standard kitemark is stamped on the metal plate, so it's easy to see – it's heart-shaped with an 's' in the middle.
Five-lever mortise deadlock.
This is the same as above, but without a British Standard kitemark.
Key-operated multi-point locking system.
A multi-point locking system has a minimum of three points that all lock simultaneously at the turn of a key. Multi-point locks are most common on uPVC doors or patio doors.
Rim automatic deadlatch with key-locking handle.
These offer security at night, allowing you to lock your door more securely from the inside.
Any other lock?
If it's none of the above, it's probably classed as "other lock type". To cut costs and improve security, they recommend you consider getting one of the recognised locks above.
The lock pictured directly above – the 'any other lock?' image – is of decent quality. But it doesn't meet insurance standards when it's fitted alone on a door. It has no external deadlocking feature, which means the latch can be bypassed and forced open.
If you have one of the top four locks above (ie, not 'any other lock'), you should have decent security and lower premiums.
Sometimes, insurers will distinguish between the four. Where they do, the five-lever mortise deadlock conforming to BS 3621 is normally the best, followed by the same lock but without the kitemark.
But approaches vary among insurers, so it's a good idea to compare quotes from as many providers as possible.
What lock you can have fitted may also depend on how sturdy your door frame is. A quality lock is only as strong as what it's attached to, so you'll need to take that into consideration.
The better your lock, the more secure your home is, and the less you pay for your insurance.
We ran some quotes on a price comparison website. The difference in premium between a five-lever mortise deadlock (preferred by insurers) and a rim automatic deadlatch with key-locking handle with the same insurer was £50 for the year.
A five-lever mortise deadlock comes in at about £25 to buy, so it's cheaper to change the locks and get a lower premium with the added comfort of extra security for your home.
Insurers recommend the lock is professionally fitted, the cost of which may be similar to or higher than the lock itself. But don't let that put you off. Even if it means the lock doesn't pay for itself in year one, it's an investment, so it will in the future.
You can't just say you have the lock to get a cheaper premium. If you're burgled and it turns out you don't have these locks, or you haven't used them, your insurer may not pay out or will want a higher excess should you claim.
If you are unsure about your locks, try comparing them to the pictures above. If you still can't find a match, Gocompare also has a detailed guide to locks, as does Confused.com. If you rent and you're still unsure, speak to your landlord.
Most standard policies usually cover you for limited accidental damage, such as a broken window. Some contents may also be covered, for instance electrical goods, but if you spill paint on your carpet, it's unlikely to be covered.
Many insurers offer extra cover for an additional cost, so if you're particularly clumsy, you should give it some thought – just make sure you check the T&Cs first to see what is covered as standard.
Something else worth considering is an 'all risks' or 'personal possessions' add-on to your contents policy. Most policies don't cover contents outside the home as standard, but by paying a bit more you can usually get cover for items including your handbag, smartphone and tablet – basically, if it's designed to be taken out of the home, it'll fall under this extension.
For valuable bicycles worth £1,000 or more, you could be better off taking out a specialist bicycle insurance policy. Equally, if you carry a lot of valuable gadgets, eg, a laptop, tablet and smartwatch, then gadget insurance could be worth considering.
8. Working from home? You only need to tell your home/contents insurer if you've brought stock home or have business visitors
We've checked with a raft of major home insurers including Axa, Aviva, Churchill, Direct Line, Esure, Hastings, LV and More Than. All have said during the coronavirus crisis period there's no need to change or update your cover if you're now working from home and, crucially, you don't need to call and tell them.
This applies if you're doing clerical work – generally defined as working on a laptop and making phone calls. It won't cover any claims arising from visitors to your home who are there as part of your work, but this shouldn't be a problem in the current lockdown as you shouldn't be having visitors in your home anyway.
It also won't cover any stock you might have brought home – for example, if you've a mail order business which you're now operating from home. If that's the case, call and tell your insurer as you may need to pay a premium to have the stock covered, or you may need to get an extension to your usual business insurance.
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How to buy your home insurance
Step 1: The top comparison sites
First up, start by visiting the comparison sites, which zip your details off to a number of insurers' and brokers' websites to find the cheapest quotes. As no single site captures the entire market and prices vary, combining a number of sites is the best way to make a meaningful saving.
When ranking comparisons, we want to get you to use the best ones, as quickly as possible. We focus principally on price, as depending on who you are, you can get cheaper quotes on different screen scrapers. However, we also factor in 'softer' features to assess the quality of each.
Ranking on price
We analysed the prices of a large range of insurance quotes given by Compare The Market, Confused.com, Gocompare and MoneySupermarket.
- Step 1. Check how many times each comparison site returned the cheapest or within 5% of the cheapest quote.
- Step 2. Rank the comparison sites based on their 'score' in the first category.
- Step 3. Assess how often each comparison gave a unique cheapest quote, ie, not just equal cheapest with a higher-scoring comparison.
- Step 4. Alter the order to see if it's possible to increase the speed with which you access the cheapest quotes.
Yes and no. Comparison sites send your details to a raft of insurers, they then use information on your credit file to judge your quote. This leaves a 'soft search' on your file, which you can see as a reference if you get your credit report – but this worries many people.
Yet crucially lenders CAN'T SEE these soft searches, so they have no impact on your creditworthiness. The only time a hard search – which lenders can see – may go on your file is if you then go on and actually apply for insurance, specifically 'pay monthly' insurance (because the firm effectively pays upfront for you and you repay the loan over the year).
More info can be found in our Will buying insurance from a comparison site affect my credit score? guide.
Some comparison sites include 'free' gifts for every policy you take out. At Compare The Market there's a soft toy meerkat (you can choose from eight) for each new policy plus 2for1 cinema tickets and 2for1 at 1,000s of restaurants (see Meerkat Movies & Restaurant trick for full details).
But remember: don't end up paying a higher premium than you need to because you are sucked in by the incentives on offer from one particular comparison site.
Typical homes
It's best to use all four sites, but if you don't have time, we've ranked them in order of the sites that most often return the cheapest quotes so you've the best chance of bagging the top deal.
Boost chances of finding a cheap quote even further
If you still haven't found a deal you're happy with, or want to push the envelope, there are some more options. Try these comparison sites if you have time: QuoteZone* and uSwitch*.
Struggling to find cover
Some groups, such as those in areas prone to flooding, subsidence or whose home is left unoccupied for long periods, can find it difficult to find cheap insurance cover as they are considered too high a risk. Those with a chequered financial past – such as bankruptcy or county court judgments – may struggle too.
In these situations, providers Intelligent Insurance* (see below how to get a £55 Amazon e-gift card) and Home Protect* may be able to help.
If flooding is the reason you're struggling to find affordable insurance cover, Flood Re has a useful tool that will list insurers to try.
One final option is to try speaking to a broker about your individual circumstances (find one on the British Insurance Brokers' Association website).
Quick question
Improve your risk profile and increase your chances of getting the lowest possible quote.
Make sure you have the right security – not only to your 'self-contained' room, but to the main entrance to your home or flat. Without an approved lock, it's difficult to find a policy giving you theft cover. So know your locks – see the info on them above.
Keep all your contents in your locked room. Anything left in a communal area is unlikely to be insured against theft. Remember, theft only applies when there's violent and/or forced entry.
Renting or in shared accommodation
Getting insurance for a room in a shared house or flat doesn't need to be expensive.
If you rent, your landlord's responsible for insuring the buildings, so you only need contents insurance.
Our Cheap Contents Insurance for Tenants guide highlights why contents insurance is essential for renters and how to get the right policy to suit you at the cheapest price. Bear in mind, insurers usually only pay out if there is a sign of forced entry – hence the importance of having the room your contents are in kept locked.
Made past claims (in the last five years)
Combine the comparison sites in this order...
Comparison sites zip your details to insurers' and brokers' websites, finding the cheapest. So be aware they often feed your personal details to insurers. They don't all compare the same sites, so combine them. We've analysed the comparison sites to find the cheapest results.
No single site captures the entire market – combining a number of sites is the best way to make a really meaningful saving, so try them one by one.
Boost chances of finding a cheap quote to nearly 100%
If you still haven't found a deal you're happy with, or want to push the envelope, there are some more options. Try these comparison sites if you have time: QuoteZone* and uSwitch*.
Step 2: Get quotes from insurers that comparisons miss
Some large competitive insurers aren't included by comparison sites, only offering their products directly.
So benchmark your cheapest comparison quotes against prices offered by the following insurers that you won't find unless you go direct:
Step 3: Check MSE promo voucher deals too
While comparison sites offer a large chunk of the market's deals, we often get insurers offering special voucher deals to MSE users. So, if any of the providers below are among your cheapest on comparison sites, use the links below to buy instead and get the voucher thrown in too. Here are the current top deals...
Buy a new buildings & contents policy by 11.59pm on Wed 30 Sep via this MSE Blagged Intelligent Insurance* link and you'll get a £55 Amazon gift card emailed to you within 60 days of your policy starting. You can't have had an Intelligent Insurance policy in the last 12 months.
Note: It may not be cheapest if you've standard needs – it specialises in cover for unusual properties and situations, eg, people in flood-prone areas, unoccupied or listed buildings, or who've a chequered financial past.
We've blagged you a £30 Amazon voucher when you go via this Urban Jungle* link to buy a contents-only policy, when using the code MSE30. To be eligible for the voucher, you must be a new customer and keep the policy for six months. The voucher will then be emailed within 30 days.
Step 4: Once you've found the cheapest quote, try to haggle a bigger discount
Haggling often won't get you the market's best deal. But it can cut the cost if you don't want to switch insurer.
Once you've followed the steps above and have the best price, get on the phone and haggle. If your insurer can beat or match your best quote, it saves the hassle of switching policy. If that doesn't work and you're still in the mood, enlist the help of a broker.
For more haggling tips, read the full Haggle On The High Street guide and the Top 10 Firms To Haggle With.
Sainsbury's renewal was £252. Rang Sainsbury's, talked it down to £181.
Step 5: See if you can get cashback on top of the cheapest quote
Once you know which your cheapest provider is, check you're not missing out on any cashback deals.
However, there is no guarantee the quote will be the same going through a cashback site as it is going through a comparison site, so make sure you check the cost carefully. And it's important to be aware the cashback comes from the cashback site, not the insurer, so getting the cashback relies on the deal tracking correctly (see Top Cashback Sites).
Things you need to know before getting cashback...
Cashback is never 100% guaranteed. There can be issues with tracking and allocating the payment. Many cashback sites are small firms with limited backing, and you've no protection if anything happens to them.
Money held in your cashback site account has no protection at all if that company goes bust. Always withdraw it as soon as you're eligible.
While it shouldn't be a problem, if you've used comparison sites before, there's a minor risk that the cashback may not track due to cookies on your computer – so it's good practice to clear those first (read about cookies).
If you're new to cashback sites, make sure you read the Top Cashback Sites guide for pros and cons before using them.
I got paid more cashback than the policy cost, so I made £20 profit.
Forumite Frugaldom
Step 6: Finally, check the policy carefully before buying
Once you've found the cheapest quotes from the screen scrapers, make sure you:
Double-check the quotes
Click through to the insurance provider's own website to thoroughly read the quote. Some comparison sites make a few assumptions to speed up searches.
Examine the policy's coverage
Check whether it's suitable. While you're there, it's worth playing with the policy details to see if you can finesse the price down. Look at the excess, and see if any tweaks can cut the cost.
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Coronavirus home insurance cost-cutting, incl how to review your add-ons
Many of us are spending much less time away from the home, whether that's because we're furloughed from work, working at home or just not going out as much due to the lockdown.
If you're struggling to pay for cover, or need help to cut costs, here are ways to help for both scenarios...
You may be able to make savings on your existing policy
If you contact your insurer to tell it you're struggling to pay for your home insurance, it should help you out. The first thing it should look at is whether it can make your policy cheaper. On home insurance, this can be difficult, as your home will cost the same to rebuild if it was destroyed, and you're unlikely to be able to cut your contents cover by much either.
So it's likely you can only make limited savings on your home insurance premiums. Nevertheless, we've highlighted things you may be able to remove from your home insurance that could result in a saving. So try these to see if they work for you:
This is a useful add-on to a home insurance policy meaning valuables such as phones, laptops and other gadgets are covered when you're out. But if you're home a lot more due to lockdown, it may be worth temporarily removing it (you can usually add it on again when you need it).
Or check if you can reduce the amount of cover you have outside the home, eg, a £500 limit rather than £1,000.
If you take either of these routes, make sure that when you or a family member leaves the home, you keep the number of valuables, clothing and gadgets you take to a minimum.
Some home insurance policies give travel insurance as part of the cover. If you have this extension, and don't have plans to travel (as it's not currently allowed anyway), look at removing it.
Before removing your travel insurance, check whether it covers you for coronavirus-related claims (many policies bought before March 2020 do). If it does cover them, weigh up whether you want to ditch that important extra protection, as it may be that if you got a new travel insurance policy later, it wouldn't cover coronavirus.
Other add-ons that you may want to consider removing include:
- Home emergency. If it's an all-singing, all-dancing policy, see if you still need such a high level of cover.
- Legal expenses. It's worth checking this, but it usually doesn't cost much, and can give important cover that can be used for a variety of different legal disputes.
Is it worth changing an existing policy for these savings?
Our view is that it can be a faff, and cutting these add-ons isn't likely to save you much, even if you've many months left on your policy. You could always check, but also use this as a trigger to see if you should look for a new policy. Big changes to your circumstances can mean another insurer is cheaper, and you may have been overpaying anyway.
Yet if you can't cut costs, and switching provider isn't an option, and you still can't afford your home insurance...
If you're struggling to pay for your insurance, whatever you do, don't just cancel your direct debit. Always get in touch with the insurer first to let it know you're struggling and you need help.
If you pay monthly, most insurers will now offer the option to defer payments for up to three months. This allows cover to continue while you take a break from payments. Once the payment holiday is over, most insurers will spread the amount you owe evenly over the remaining payments (though some insurers will ask for the full amount to be repaid in the first month or when the policy ends), so make sure you budget for higher payments later.
Try to do this only if really needed, as extra interest can rack up on top (as paying monthly for insurance is actually taking out a loan), so you could pay more in the long-run. If it's right for you, you can apply for help at any time up until 18 August 2020.
You'll need to be paying monthly for your insurance and experiencing financial difficulty due to coronavirus. Beyond this, it varies by provider, as each insurer would usually assess each request on a case-by-case basis.
In general, 'affected by coronavirus' means:
- You (or your spouse/partner) have been furloughed and have not yet received payment from your employer, or are self-employed and haven't yet received payment from the Government.
- You've been made unemployed at any point since March.
No insurer we asked told us it would ask for any evidence – though don't lie, as it can be classed as fraud.
How do I make a change to my policy, and is there a fee?
This depends on your insurer. Many will let you make a change online (eg, Admiral, Aviva, Axa and Direct Line). However, if you're in financial hardship, you'll usually need to call your insurer to discuss your options. Check its website, as some insurers have online forms to request a call back. Insurers will usually waive change fees if you contact them because you're struggling to pay and they agree to make changes to your policy.
However, if you're just making a change and it's not down to coronavirus, you'll usually still need to pay an admin fee of up to £50 for this.
Cancellation fees are unlikely to be waived if you're cancelling mid-term because you've found a cheaper policy. Though if you're struggling and can't afford to pay for your current policy but could afford the cheaper one with another insurer, you could try to negotiate with your existing insurer to see if it'll waive the fee in this case.
However, it's best not to go without home insurance completely as, for example, you'd be left with all of the rebuild and refitting costs if your home burned down. Plus, it's usually a condition of most mortgages that you have valid home insurance while you have the mortgage. So by all means see if you can save, but don't go without!
You need to tell your insurer about big changes in your circumstances, such as losing your job or moving home. However, you don't need to tell it if you're furloughed from your current employer.
Working from home? You only need to tell your home/contents insurer if you've brought stock home or have business visitors
We've checked with a raft of major home insurers including Aviva, Axa, Churchill, Direct Line, Esure, Hastings, LV and More Than. All have said during the coronavirus crisis period there's no need to change or update your cover if you're now working from home and, crucially, you don't need to call and tell them.
This applies if you're doing 'office' work – generally defined as working on a laptop and making phone calls. However, most insurers won't cover any claims arising from visitors to your home who are there as part of your work. They also won't cover any stock you might have brought home – eg, if you've a mail order business that you're now operating from home. If that's the case, call and tell your insurer as you may need to pay a premium to have the stock covered, or you may need to get an extension to your usual business insurance.
If you're struggling to find cover, eg, due to living in an area prone to flooding or subsidence, or because you have a chequered financial past – such as bankruptcy or county court judgments – see the 'I'm struggling to find cover' tab above.
If you don't have a job, you face a potential jump in insurance costs if you declare yourself unemployed. The same hikes don't apply to homemakers (housewives/househusbands). If that's you, say so to avoid a hike in costs.
But only enter 'homemaker' if you're genuinely not seeking work, or not receiving benefits which require you to seek work. Otherwise, it's fraud. Read the full MSE News story: Unemployed walloped with high insurance.
If you're going away and leaving your home unoccupied, you may find that your cover is restricted or that you might not be covered at all.
Almost all insurers restrict the number of days you can leave your home unoccupied for while still covering you – usually 30 days. Leaving it empty for long periods makes it more at risk of burglary, and the cost of any claims greater as any damage can be left undetected for weeks.
What's more, during the colder months insurers reduce the number of days you can leave your home empty for to as low as five days UNLESS you keep the heating on at a minimum constant temperature or drain the water heating system (not for the faint-hearted). The reason for this is to reduce the risk of burst pipes and the damage they cause.
For example, with Admiral, if you go away for five days or more between November and March, you would only be fully covered if you keep your home constantly heated to 12°C, or turn off your water supply at the mains and drain the water system.
Also, if you're insured with Policy Expert and leave your home unoccupied for 15 days or more during November until the end of March, you may not be fully covered unless you've set the heating at a continuous minimum temperature of 14°C or have switched off your gas and water supplies at the mains.
Failing to leave the heating on when you're away could see any claims made for the period you were away being declined, risking costs running into £1,000s.
Some insurers have these stipulations in their T&Cs but others, such as Aviva and Direct Line, don't – so make sure you know your provider's stance on this. If unsure, just give it a call.
More and more people run micro-businesses from their homes. Whether your working equipment will be covered varies from policy to policy. Some insurers will cover your computer or work phone automatically, others may not. It's important to check with your insurer and notify it if you work from home – it might drastically affect your policy and could even invalidate your cover. Any business stock is usually excluded under a normal policy, so always check to see if you need specialist cover.
There are growing numbers of accidental landlords – those who marry and move into a partner's home and rent out their old one, for example, or who inherit a property and decide to let it out rather than sell.
Fail to let your insurer know (and, just as important, your lender!) and any claim on the cover would be invalid since your existing home insurance policy won't be deemed valid because you've now got tenants in.
For convenience, you can ring your existing insurer who – in most cases – will simply 'upgrade' your ordinary home insurance policy into a basic landlord policy. It takes just one phone call and there'll usually be a higher premium to pay to reflect this greater risk.
But do this and you'll usually find your new policy won't include key landlord-specific extras such as loss-of-rent guarantee or public liability. Instead, you'll likely be better off looking for a specialist landlord policy from elsewhere that includes all the add-ons as well as basic contents and buildings cover. Ensure you get the cheapest deal by doing a landlord insurance comparison.
If you have a child studying, and living away from home, they may automatically be covered against theft or loss as part of your home insurance policy under its 'temporarily removed from the home' section.
Many policies have this cover (but do check yours), as long as your home is your child's main permanent address (ie, they'll return to your home when not a student). However, it only applies while the contents are in their accommodation (or indeed at your home).
If you want cover for mobiles or laptops, or other items your child normally wears or carries away from your home, or their accommodation, you can add an 'all risks' or 'unspecified personal possessions' section to your policy. This covers your child's belongings while they're out and about, but it typically comes at an added cost.
Alternatively, if you prefer your child to have their own policy, see our Contents Insurance for Tenants guide.
Each policy normally comes with a compulsory and a voluntary excess, if you have selected one. A compulsory excess does what it says on the tin. If you make a claim, it's the amount you pay towards the cost. If your TV was stolen and you made a claim for £500, and had a compulsory excess of £50 – a typical sum – you'd get £450.
If you have a £50 voluntary excess and a £50 compulsory excess, you'd only get £400.
The excess is outlined when you buy the policy. What you pay is entirely up to you. A higher excess will lower the cost of your premium, with the insurer paying less if you have to make a claim. But if you make a claim, you'll get less money back.
When you set your excess, think carefully. If you can't afford to cover a large chunk of the cost if you need to claim, don't set a high voluntary excess, as you'll have to pay that as well as the compulsory excess.
If you need both buildings and contents insurance and you opt for a combined policy, make sure you check the details carefully. Some insurers will have a separate excess for both parts of your policy, which means a claim affecting both the structure of your home and its contents, such as a flood, will result in a double deduction.
The Co-op, Hastings and Tesco may all charge two excesses on combined policies.
The Association of British Insurers (ABI) says customers should contact their insurers as soon as possible. When claiming, you may have to pay towards repairs and replacements, known as an 'excess', so check your policy for the full information.
You'll need to provide full details of the circumstances surrounding anything that's been lost or damaged, plus any evidence of that. Take photographs of the damage to your home, contents or car, or film the footage. This may help provide proof.
If your possessions have been badly damaged or washed away, any photographs of you with a particular item when undamaged, or held by friends or relatives, will demonstrate you owned it. Receipts, credit card bills or bank account statements that show your purchases can also be used as evidence.
It can take weeks, sometimes longer, for a property to fully dry out, and you should only return to your home when it's safe to do so. Also, don't be in a rush to redecorate your property. It needs to dry out properly and it'll need to be disinfected with antibacterial treatments. The restoration will start with the removal of debris and silt from the flood and properties are then stripped out, which includes hacking off damaged plaster and woodwork.
More information is available in this guide on how to protect your home and make a claim on your insurance.
Adverse weather: What do I do if there's an emergency?
With the ever-increasing risk of flooding, we can all do our bit to minimise any loss.
If you've been affected by storms or flooding, see how to protect your home and make a claim on your insurance if hit.
Here are some need-to-knows for starters...
My property has been damaged. What should I do?
If you've emergency damage, act quickly to sort it:
- To report a possible gas leak, contact the National Grid on 0800 111 999.
- If you've electrical problems, call your local electricity distributor, NOT your energy company (see a list of emergency contact numbers).
- Report any sewage hazards to your local council.
When it comes to making repairs, don't do anything unsafe yourself. The Association of British Insurers (ABI) says you should contact your insurer first – it should have a 24-hour claims line – and it should arrange for someone to do any work that's covered.
But if you can't get through, or it won't be able to fix the problem quickly enough, arrange to have the damage fixed yourself by calling a qualified plumber, electrician or builder. Make sure you keep any receipts as these will form part of your claim.
As long as you have adequate home insurance, you'll be covered for any damage. It also nearly always includes cover for alternative accommodation if you have no access to your property. Buildings insurance will cover the structure of your home as well as fixtures and fittings, while contents insurance will cover your possessions.
My possessions have been damaged. What should I do?
The Association of British Insurers (ABI) says people shouldn't rush into throwing away damaged items, unless they're a danger to their health. Items may be able to be repaired or restored – your insurer will be able to give you more information on this.
Often, when claiming, vital documents or proof of possessions will have been washed away or damaged. If such documents are damaged or destroyed, get copies from the relevant provider. For example, you can go to the DVLA for motoring documents, brokers or insurers for duplicate insurance documents, or utility providers and the Passport Office. Check Gov.uk for how to replace birth certificates.
New for old: will my old goods be replaced with new ones if I have to claim?
There are two main types of cover when it comes to replacing your goods. New-for-old entitles you to brand new stuff (or the requisite value) if your insurer agrees to replace your damaged or stolen goods. Or there's an indemnity policy, where you get the value of the goods at the time of the loss.
An indemnity policy may be cheaper, but you only get a minor payout if you need to claim. So new-for-old is the best way to go. When you calculate the cost of your contents, factor in the value of your items as if they're new.
What to do if something goes wrong
First, you need to complain to your insurance company directly. If it doesn't respond, or if you don't like what it says, then you don't need to just take it.
You can escalate your complaint to the free Financial Ombudsman. The ombudsman is an independent adjudicator which will make the final decision on a claim if you are locked in a dispute with your insurer. For more on how to make a complaint, read our Financial Rights guide.
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Stocker's Kitchen (Paperback)
Stocker is short, loud and profane, a passionate sensualist and a bully--yet despite his manifest flaws, brilliantly clean and delectable flavors emerge from his greasy restaurant kitchen. His unassailable self-confidence falters when he falls in love with Angela, a young half-Vietnamese woman as strong-willed and hard-hearted as himself.
Stocker's patience and equanimity are further tried by his pastry chef, Jon, the fastidious Oxford-educated son of Hungarian emigres, as orderly as Stocker is disorderly, and whose approach to food--and love--is the antithesis of Stocker's: Where Stocker specializes in deep, mysterious stews, dishes for which living creatures gave up their lives, Jon creates playful works of art on the plate. At home, his kindly lover Keith waits for him, steadfast and unappreciated.
Stocker's kitchen is a small world in itself, and the stories of others wind through the text, including motherly waitress Crystal, Megan, an insecure young actor feeling her way in New York, Harold, expert wielder of the chef's knife and Sean, Stocker's dazed and terrified protege. At the center stands Stocker himself, longing for the love and nurturance he can never quite find, and practising his tainted magic.

subset: commoncrawl


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Bangladesh's tourism sector is set to stage a comeback defying the security threats in the wake of the attack on Holey Artisan Bakery at Gulshan, Dhaka on July 1, 2016. As per statistics of Bangladesh Bank (BB) the earnings from the tourism sector were close to the target in 2017. This is due to the political stability and steady economic growth that the country achieved in recent years. According to BB and the Bangladesh Parjatan Corporation (BPC), Bangladesh earned in 2017, US $324.28 million from the tourism sector against an income of US $163.21 million in 2016.
After the attack on the Gulshan café that left 19 foreigners dead, some western countries issued warnings to their citizens against visiting Bangladesh, a country with many spots of historical importance and natural beauty. The Bangladesh Tourism Board (BTB) and the BPC said though the government set a target to attract one million tourists, some 620,000 foreign tourists visited Bangladesh in 2016. The number of tourists in 2015 was 600,000. The BTB and the BPC say although the country has entered a new year, the data on tourists in 2017 have not been updated by the Special Branch of Bangladesh Police. As per statistics of the BB and the BPC, Bangladesh earned US $163.21 million from the tourism sector in 2016 calendar year compared to US $145.74 million in 2015 clocking 11.99 per cent growth in 2016. Tour operators opine that as the country has prospects of earning at least US $1000 million from this sector, it should not remain complacent over such earnings.
The tourism sector had suffered a massive blow following the Gulshan incident. Tourism experts said that terrorist incidents happened in Istanbul, Brussels, Paris, Mumbai but the situation became normal there after necessary steps were taken by the concerned governments. Although the situation in Bangladesh also showed marked improvement after sometime, the political, social, cultural and religious leaders will have to work together to restore confidence of the world people. The number of guests at posh hotels like Pan Pacific Sonargaon, Westin, Radisson Water Garden, Amari, Lake Shore, Sarina and La Meridian increased during 2016. Chief Executive Officers of multinational companies, leaders of donor agencies and NGO leaders visited Bangladesh in large numbers.
Tourism industry experts opine that Bangladesh missions abroad should mull over appointing officials with proper training and proper knowledge to attract tourists from abroad. Especially in the face of allegations that Bangladesh embassy or high commission officials are not always cooperative in offering assistance when approached, such steps can help the country achieve its target of serving one million tourists per year by 2018. The Tour Operators Association of Bangladesh (TOAB) maintains that the government should open a separate desk at foreign missions for promotion of tourism and appoint people with adequate knowledge and skill on tourism to man those desks. According to TOAB, the relevant officials could be appointed from the Bangladesh Parjatan Corporation, Bangladesh Tourism Board, or other organisations specialised in this field. Such designated desks could help boost Bangladesh tourism by attracting more business people. If not for all missions abroad, the government should deploy such people in at least 15 to 20 countries that generate 80 to 90 per cent of tourists globally.
Terrorism is a threat to global peace and security and can strike any country at any time as we had the tragic experience of the Gulshan attack. The threat of terrorism is complex and unpredictable, and it is important for us to make use of a variety of tools at the national as well as international level in our fight against terrorism. A broad range of action against terrorism has been taken by the government including setting up special units to combat terrorism. But it is vital that the root causes of terrorism are addressed alongside combating the immediate threats. Bangladesh needs to contribute actively to enhanced international co-operation against terrorism. Some international communities have, over the years, worked on countering violent extremism through development assistance in regions exposed to terrorism and extremism. They should, therefore, be fully committed to the international cooperation in combating terrorism and should be a willing partner to Bangladesh's struggle for countering terrorism threats.
Former Civil Aviation and Tourism Minister Rashed Khan Menon said the government took some steps to generate about 350,000 jobs in the country's tourism sector by 2018. The government is targeting tourists from India, Sri Lanka, Bhutan, the Maldives, Malaysia, Singapore, Myanmar and China and has signed agreements with Malaysian and Thai governments to develop the tourism sector. Terming tourism the most prospective sector after readymade garments, the minister said the government would launch a campaign soon at home and abroad to promote the sector. However, as per the BPC the spending capacity of a western tourist is at least ten times what a South Asian tourist spends and, therefore, ways to attract western tourists should be given greater priority.
The earnings from the tourism sector recorded a steady growth during the period of 2010 to 2017 with exception in 2015 only. Records show that the earnings from the sector were US $324.28 million in 2017 against US $83.90 million in 2009. Experts in the sector have expressed their optimism that the travel and tourism sector will post positive a growth in the current calendar year, if tradition, heritage and remarkable development in socio-economic fields are appropriately projected abroad and if the government plays a supportive and facilitating role.
The writer is a retired Professor of Economics, BCS General Education cadre. Email: email@example.com


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How to become a dad?
Hi guys! I'm becoming a dad! This is totally crazy… It feels like yesterday that I'm in my mid twenties, studying and not caring about anything. A second later I'm over 30, working, married and getting a baby. People are driving me crazy right now. While the women are in a cuteness overload shooting out "the most important" advises the guys can't stop to tell me that I will never ever sleep again or have a beer with my friends. Still I'm happy even when a little bit nervous. OK, pretty nervous. I'm curios to see how our life will change. I read a lot and talked to many people, but I still have no idea how it will really be our new family life.
When and how do you become a true dad? Is it something you are born with or is it the experience? Parents and grown ups always seemed so wise and almighty. Maybe they just pretended to be and I didn't get it. I feel not really prepared. Let's see what will happen, I will try my best.
When it comes to knitting I might be pretty over prepared… I'll share the pics within the next days and weeks. To be really up to date follow me on Instagram. There is always a time delay because I need to take pictures and I don't want people to know in real time what is happening in my life.
From the day on my son is born I'm able to stay at home for a full month. I hope I'll find a quiet moment now and then to write or knit. Wish me luck that I will be able to master my quest
The handknit teddy bear is already waiting for his new buddy.


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Each student living on campus is a member of the Residence Hall Association (RHA). This organization works with the Residence Life staff to promote, organize, coordinate and implement programming during the academic year. RHA sponsors everything from "Spring Fling" to movie nights. The RHA is funded in part through incidental fees and belongs to the residents.
RHA meetings are held every other Tuesday night at 7:00 pm in the Residence Hall TV Lounge.
Every year RHA is involved in and/or sponsors the following events:


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10 man Ramblers emerge victorious with a 1-0 win away at Shels.
A second half Cian Leonard strike was enough to give the 10 men of Cobh all three points as a frustrated Shelbourne side will be wondering how they didn't manage to take a point in a dominant display at Tolka Park.
Shelbourne totally dominated the opening proceedings and possession as Cobh struggled to get out of their own half at times. David O'Leary was running things in the midfield, creating chances for fun but the home side just couldn't get the elusive breakthrough their play deserved.
James English looked sharp and a constant threat over the top looking to utilize his pace at every opportunity but the Cobh rearguard held strong. It was the Shels talismanic frontman who had the better of the chances in the first half. Dylan Kavanagh delivered an outstanding left footed cross in behind the Cobh centre halves but frustratingly for English and the home fans, only a matter of millimeters stopped them from taking the lead.
Right on the stroke of half time Shels made a mess of a free kick routine on the edge of the box but winger, Ian Doyle, eventually managed to get his shot away. The initial effort was well blocked and luckily the rebound fell to English, who, unmarked at the edge of the box hit his right footed effort straight at Paul Hunt.
Right from the off in the second half the hosts had two glorious opportunities but James O'Brien and English were both denied by outstanding last ditch tackles. As the home side desperately tried to claw their way back into the game, a moment of madness from Peter Callanan mad the task even more difficult, receiving a straight red card for an over-the-ball lunge on Derek Prendergast.
Despite the man advantage, Shels were unable to break down the solid defensive unit of the visitors and incredibly, against the run of play, Ramblers snatched the lead through Cian Leonard. The front man showed brilliant composure to slot the ball under the on rushing Jamie Quinn following Alan Byrnes slight slip.
Scenes of massive confusion followed minutes later when referee John McLoughlin showed Derek Prendergast a straight red card for a late challenge on goalscorer Leonard. But after some careful deliberation with his assistant, reversed his decision and gave offside against the Cobh front man. The offence itself didn't seem worthy of a straight red in real time as Leonard just nicked the ball around the corner to Charlie Fleming just inside the halfway line and Prendergast caught him. Alas, the decision was given and Shelbourne continued with 11 v 10.
The home side, with one eye on next weeks mouthwatering Dublin Derby with Shamrock Rovers, were unable to make the man advantage count and frustratingly went down 1-0.
The away side, still in the hunt for promotion, deserve massive credit for their never say die attitude and relentless work rate throughout and will enjoy taking all three points back down to Cork as the chase continues.
Shelbourne FC: Jamie Quinn, James Brown, Sean Byrne, Dylan Kavanagh, Derek Prendergast, Alan Byrne, James O'Brien, Dayle Rooney, David O'Leary, James English, Jamie Doyle
Subs: Dean Delaney, Aaron Molloy, Niall Lanigan, Dylan Grimes, Adam Evans, Mark Hughes, Chris Lyons
Cobh Ramblers: Paul Hunt, Cian Kingston, James McSweeney, John Kavanagh, Peter Callanan, Karl Caulfield, Kevin Taylor, Cian Coleman, Cian Leonard, Charlie Fleming, Ian Mylod
Subs: Michael Sadys, Chris McCarthy, Stephen Christopher, Kyle McNamara, Darren Murphy, Cameron Harison, Beineon O'Brien-Whitmarsh
Referee: John McLoughlin
Darryl Geraghty


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It's been coming up around me a lot. It's been a thought, or a feeling, or something I hear. I've been called in by my intuition. Continue reading
Tag Archives: Higher Knowing
Allowing the Free Flow of Divine Guidance
I allowed the free flow of divine guidance and was provided with what I needed.Continue reading
Gratitude – A Fundamental of Life
Do you find yourself needing change, or new direction? Do you find yourself looking for purpose and meaning?
Be IN gratitude. Not just grateful.Continue reading


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Hispanic Professional Network
Time: June 19, 2019 from 6pm to 10pm
Location: The Drake Hotel
Street: 140 East Walton Place
City/Town: Chicago
Website or Map: https://www.eventbrite.com/e/…
Event Type: community, health, fundraiser, philanthropy
Organized By: Norwegian American Hospital Foundation
Latest Activity: Jun 12, 2019
Export to Outlook or iCal (.ics)
The Power of Community Benefit consists of a cocktail reception, silent auction, seated dinner, and paddle raise. Our guests include hospital physicians and leadership, healthcare and community partners, and corporate sponsors. As a safety-net hospital, Norwegian American Hospital serves low-income and vulnerable residents in our community, including those with Medicaid, Medicare, or no insurance at all.


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Doubt can feel like a dangerous fault line in the bedrock of our faith. This week, Gary Wilkerson takes a more measured look at doubt and its place in the Bible and our lives. How do we take care of our hearts so that when doubt springs up, it doesn't hurt us? Is it possible to have healthy doubts and questions about our faith? Gary talks about how believers can use doubt as a tool to help our relationship with God grow.
Doubt can promote a greater revelation of God. We can see more of the glory of God when we are willing to wrestle with our conflicts and come at the other side with a more solid faith and a greater revelation of God. – Gary Wilkerson
Don't be afraid to be honest with God. Again, just be careful how we talk to him. He is to be revered, but he is our father as well, and he's not afraid of our questions. – Gary Wilkerson
It's not uncommon to face some doubts. Don't beat yourself up. Don't allow condemnation. Where God could use our doubts, the righteous type of doubt for good, the enemy will use it for evil and bring a lot of condemnation and shame. – Gary Wilkerson
Doubt can keep us from false doctrine. If you believe everything you hear in a church, you're going to get led into some false doctrine. Be a Berean (Acts 17:11). – Gary Wilkerson
Fire used in the wrong way will burn your house down but used in the right way it can keep you warm. Doubt is similar. Used incorrectly it can wreck your faith but used wisely it can strengthen your faith. – Gary Wilkerson
…and you will know the truth, and the truth will set you free. – John 8:32
Immediately the father of the child cried out and said, "I believe; help my unbelief!" – Mark 9:24
The fool says in his heart, "There is no God." – Psalm 14:1a
And have mercy on those who doubt; - Jude 22
He has made everything beautiful in its time. Also, he has put eternity into man's heart, yet so that he cannot find out what God has done from the beginning to the end. – Ecclesiastes 3:11
Now these Jews were more noble than those in Thessalonica; they received the word with all eagerness, examining the Scriptures daily to see if these things were so. – Acts 17:11
Gary Wilkerson is the President of World Challenge, an international mission organization that was founded by his father, David Wilkerson. He is also the Founding Pastor of The Springs Church, which he launched in 2009 with a handful of people. He has traveled nationally and internationally at conferences and conducted mission ventures such as church planting, starting orphanages, clinics, feeding programs among the poorest of the poor and the most unreached people of the earth. Gary and his wife Kelly have four children and live in Colorado Springs, CO.


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Julie Miller ~ artist. instructor.
About Me
Julie Miller
Fresh ideas and painting itself motivate me. I am present in the studio, enjoying the space made for this calling and purpose.
View my complete profile
Tuesday, September 25, 2012
These are works in progress - small oils on board of scenes from some of our travels. I'm really enjoying the architecture and play of the light and shadows. These will be available in Tulsa, OK at the
Utica Square Art Show on October 6
; a beautiful outdoor show in Midtown.
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Julie Miller
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Verstappen: Alonso return without strong car a "waste of time"
Max Verstappen reckons it would be a "waste of time" for Fernando Alonso to come back to Formula 1 if the two-time champion cannot get a competitive car.
Alonso walked away from F1 at the end of the 2018 season and has since wrapped up the World Endurance Championship title, added a second Le Mans 24 Hours victory, attempted to win the Indianapolis 500 and started preparations for his Dakar Rally debut.
However, he has continued to hint he may aim for a return to F1 in 2021, when sweeping new rules will be introduced and several top drivers are out of contract.
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Red Bull driver Verstappen said he would "absolutely" welcome back Alonso, but he said "you should only come back in the right circumstances".
"He's a great driver and it would be good to see him if he could come back but only in a competitive car," said Verstappen. "Otherwise I think it's just a waste of time for him. But I think he knows that himself."
Alonso left F1 after four disappointing seasons with McLaren that failed to yield a single podium finish, while he last won a grand prix in 2013.
The double world champion finished runner-up three times during his Ferrari stint from 2010 to 2014, but his final year with the Scuderia was stymied by the team's poor start to the V6 turbo-hybrid era.
Mercedes, Ferrari and Red Bull may all potentially have seats available in 2021, with Verstappen, Lewis Hamilton, Valtteri Bottas and Sebastian Vettel among the leading drivers definitely out of contract.
"Fernando's obviously a well-accomplished driver," said Hamilton. "It's interesting to see in the past, with drivers wanting to come back, like Michael [Schumacher], and it's something you've done your whole life.
"I haven't spoken to Fernando so I don't know how he's been feeling or how much he's missed it, but I don't think it would be bad for the sport.
"Ultimately, there's a lot of young kids on their way up and there's only 20 seats, so he has also had his period of time there, but if there's no other good youngsters coming through then there definitely is space.
"Some that are currently here that probably could be replaced, so I would welcome it."
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0800 695 292
Samsung Galaxy S20 8GB/128GB - Cloud Pink (unlocked)
- Details
Please note orders over the value of $1,000 may be subject to New Zealand IRD import tariffs and GST payable by the customer.
Please note: delivery may take up to 3 weeks.
Galaxy S20 features a sleek modern design, next level capture and share and premium performance. Capture details in stunning clarity with up to 64MP ultra resolution telephoto camera, 10MP front selfie camera and ultra-wide capabilities. Go from back row to on stage with 30x Space Zoom including 3x hybrid optic zoom.1 Get ready for the world's first ever smartphone with 8K video recording capture at 24fps.
Video snap lets you grab any frame from the video as a crisp 32MP still image 2 Experience super smooth scrolling, gaming and cinematic viewing with an ultra-responsive 6.2" Infinity-O Display. Shoot like a pro, even in low light.
Capture images with twice the brightness of previous Galaxy devices.
Increased image sensor size lets you define richer photos even in the dark. What's in the Box: x1 Galaxy S20 8GB/128GB - Cloud Pink
- Reviews
Write Your Own Review
- Delivery
My Layby will usually dispatch your goods within 7 - 10 business days of completing your layby payments.
This time frame factors in the confirmation of the layby order include your payment method, processing and dispatch from the warehouse and the transport of the items via couriers. The 'In Stock ' status on our website can mean the stock is either in our warehouse, or available with our supplier.
Whilst we endeavour to get items delivered to you as soon as possible we do, however, need to allow that 7 - 10 business day window to accommodate the processes above.
Delivery tracking details will be emailed to the email address on the account as soon as they are known. Your goods must be delivered to the delivery address as shown on your initial order.
Deliveries require a signature on delivery and if no one is at the property to sign for the package a calling card will be left by the driver with details of how to arrange redelivery or collection.
If their are multiple items on your order, you may receive multiple deliveries shipped by multiple couriers since items may be sent from different warehouse locations.
Large/bulky items (eg furniture and whitegoods) may take longer to deliver and may also incur an additional freight fee. If an additional freight fee is expected for your order you will be contacted via email after the order has been successfully placed.
We guarantee your satisfaction with all mylayby.co.nz merchandise. If you receive damaged, defective, or incorrect item(s) from mylayby.co.nz you may return the product(s) within 30 days of delivery. When we receive the item(s) and verify the return of product(s), we will send you a replacement.
Please choose carefully when ordering on mylayby.co.nz. Once you have ordered the item, you are committed to the purchase. Under the Consumer Law, you are only entitled to a refund in the event of a major product failure - not if you simply change your mind or you later discover that you picked the wrong colour or the item doesn't fit.
Please contact our customer service deparment on 0800 695 292 to lodge a return.


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In 2010, we walking shoes for Diabetes UKWe call fundraisers from across the Southeast running shoes running shoes and race the 24th, the 10 miles Great South Run on Sunday October. Around the historic city of Portsmouth to help raise funds for diabetes research.
We offer guaranteed places in this fast growing European road races for all Diabetes UK recruits. It costs only? To enter runners runners raise raise an inspiring goal? 250 each.Eight years, routine, jail-based HIV tests on occupant confirm with study.
An analysis by researchers with The Miriam Hospital, of The Warren Alpert Medical School of Brown University, Rhode Iceland Department of Corrections , Rhode Iceland Department of Health and and of the CDC carried out, support former CDC recommendations call for HIV testing in prisons and detention within a routine medical evaluation of.


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Membership Fees
Full Business Membership of the Chamber
Join the Chamber as a full business member and obtain the maximum benefits for you and your colleagues.
Membership fees are based on the number of employees in the company:
|1-2 Employees
|3-5 Employees
|6-14 Employees
|15-49 Employees
|50+ Employees
|Small Not-for-Profit/Community Organisation (less than 5 employees)
All prices are exclusive of GST.
For first time membership applications, there is a joining fee of $40.00 – which includes the cost of a framed Membership Certificate and a special Chamber membership card you can use to obtain local and national discounts and offers from preferred suppliers.
Membership Fees are paid annually, and will be automatically renewed (unless you advise us otherwise.)
Membership enquiries? Ring us on: (7) 577 9823 or email us: firstname.lastname@example.com


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As the famous saying goes, 'Beauty lies in the eye of the beholder'. But for the beauty to work in its full charm and the magical
spell, a lot of effort and work goes behind it. There are certain beauty regimes that we need to give attention once a month or once
in every six months, but there are some specific regimes and beauty treatments that need to be conducted every week or ten days such
as visiting the Eyebrow Threading Salons to give that required shape and texture to our eyebrows. And if we avoid it, our face looks
dull and worn out and we lose out on the confidence levels and no amount of makeup, hairstyles, or fashion apparels suit us unless
the eyebrows are done up and in proper shape.
Considering the above-mentioned theory, it is the story of every woman of wanting the perfectly shaped and filled in brows to give that required enigma and splendour to her eyes and other facial features as well. But the main dilemma lies in the fact that there are not many salons and beauty artists in the market who are able to comply with the ethical and professional standards of beauty and cosmetology and we are left in the lurch to go for the ones that are not at par with our desired beauty standards but we are literally left with no other option.
But all you ladies out there, we Arch 2 Arch Spa and Threading Salon are the leading brand name for the Eyebrow Threading in Memphis, TN and have been into the industry for more than 15 years now consistently serving our loyal clients offering the services ranging from body waxing, mink eyelashes, facial therapies, and eyebrow threading. The latter part of the services mentioned is one of the highest revered and regarded service as we have an in-house team of the professional artists specializing in eyebrow threading, so much so that this very service has been an integral part of our brand name. Our spa and salon is the most searched and discussed amongst the women in the city of Memphis and around as the Eyebrow Threading Around Me and our loyal clients have been endorsing our service to their family and friends generating quite many referrals for us and helping us make a distinguished name for our brand in the fraternity of beauty and cosmetology.
The methodology of our Eyebrow Threading in Southaven, MS starts with understanding the facial features of the client and along with the shape and texture of the brows required by them, and once there is a clear perspective on the thought process of both the client and the beauty artist, we dedicatedly work hard to provide that angular edge and sculpt to the brows further elevating the beauty of your eyes. We attain the below-mentioned eyebrow shapes and textures:
Minimal Arched angle: Keeping the beauty of the natural looking brows that a woman is naturally gifted with, we just carry out a little bit of tweezing of those extra hair without any significant amount of shaping.
Arched Tail angle: It is one of the most famous and classic shapes of the brows with the filled in and well-textured brows having an arch sculpted towards the end accentuating the beauty of the eyes. We always suggest for this shape to the women having a round face shape.
Arched angle in the middle: The women who have naturally filled in brows with an arch angle in the middle of each brow, this shape works perfect and we always try to maintain the natural look and feel of the brows.
High Angles: Many a time, clients come to us with the close-up pictures of their favourite celebrities and ask us to achieve the similar shape and look of the brows on them. And the high angle shape is mostly opted by the celebs with the high arch above the brow bone for all that glamour and sharp effect.
Apart from the above-mentioned eyebrow styles and angles, we achieve straight, tapered, and round shapes depending on the taste and preferences of the clients. Apart from women, we also offer the services of Eyebrow Threading for Guys.
Features of Eyebrow Threading in Memphis, TN at our salon and Spa:
We are the veterans in the field of beauty treatments and cosmetology since a very long time and along with the management, our entire team is highly skilled and talented in their areas of expertise backed by the years of knowledge and experience.
We maintain the highest levels of the hygiene standards and sanitization during the entire procedure of eyebrow threading. The operational area is regularly cleansed after every procedure so that the client can enjoy the service in the most clean and neat environments.
We astutely understand the needs and requirements of the clients and carefully understand their eyebrows and then attain the required shape and angle best suited to their face and the overall persona.
We also understand from the client if they are under any medication or are allergic to any beauty treatments or products. It is one of our brand's objectives to take care of their health and well being.
The products used for the eyebrow threading procedure such as threads and scissors are of the good quality that helps in attaining the desired results.
Our team gives astute attention that there is a bare minimum pain in the entire process and extra help and assistance are provided by our staff members for holding up the skin around the eye area, if required.
We apply high-quality Aloe Vera or moisturizer on an instant basis for the cooling and soothing effect after the eyebrows procedure is completed.
So right from sleek, sophisticated, round, seductive, exotic, and narrow to gradual; we attain all the eyebrow angles and type in the most effortless and seamless manner making your eyes look enticing and beautiful to the core. So, just walk-in at our salon now to get the perfectly shaped brows.
© Copyright 2018 ARCH 2 ARCH All Rights Reserved


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One of the principles at the very heart of this course is to take the technology that we use in our everyday life without thought, and to put it under the microscope for examination. It's all about understanding and appreciating the amazing complexity of what makes our modern world go round behind the scenes.
To that end, today we will be looking in depth at exactly what happens when we purchase something and pay without physical money (that is to say, by using a debit card or credit card). How does this tiny piece of plastic actually enable us to transfer money to another person - and within seconds? Answer: an incredibly sophisticated communications system. Please complete the following tasks.
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Rooted in the vision of its founder, Don Antonio Floirendo, to uplift the quality of life of the people of Mindanao, Damosa Land, Inc. proudly celebrates a culminating point in its history– marking 65 years of service excellence.
Taking roots on April 14, 1948 in the automotive business as Davao Motor Sales (DAMOSA) during the early decades, built on its founder's values of hard work, diligence and perseverance, DAMOSA has adeptly evolved, into a dynamic and fast-growing Mindanao-built real estate company today.
Early years
In 1946, Don Antonio O. Floirendo Sr. ventured into a dealership with the owners of Manila Trading and Supply Co. (Mantrade), one of the top corporations in the Philippines that handled the distribution of motor vehicles and spare parts in the early times.
Don Antonio resettled in Davao City and started his Ford dealership business through DAVAO MOTOR SALES or DAMOSA on April 14, 1948. Davao Motor Sales was founded in a vacant lot in Bankerohan, which was then chartered from the Marforis of Davao. The Ford dealership business in Bankerohan was then the first automotive business and vehicle dealership that flourished in Davao City and in the entire Mindanao.
Service Center
At the turn of the decade, Don Antonio was the biggest and the only dealer of Ford vehicles in Mindanao. The business flourished and was made known to various customers in different places in the area.
During the 60s, Don Antonio started acquiring lots from leasing agreements and land collaterals from his clients. Among these was his property in Lanang, Davao City and other areas in Davao and nearby places.
1970s proved to be the decade of a booming expansion in the Ford dealership business and automobile industry. Davao Motor Sales moved to a better location in Lanang and put up their branches in General Santos City through Valley Motors Sales Inc. and Mindanao Motors Corporation in Cagayan de Oro City. There were also satellite offices in Butuan, Mati, and Cotabato to cater those who are in distant areas.
With DAMOSA at its peak in 1970s, it enjoyed wide reception of the public towards Ford Fiera which was selling like pancakes. It started its production using a Ford Kent gasoline engine and was made to be simple, robust, tough, and dirt cheap for the buying market. It was later equipped with a diesel engine which was very popular in every mid-class family and vehicle operators.
Other businesses from agriculture and industrial to trading of the Floirendo's started to grow that it required a management and holding office for the entire business empire. Thus, Anflo Management and Investment Corporation or ANFLOCOR was built in 1977 to manage the growing businesses with Davao Motor Sales on its vanguard.
From automotive to real estate
In 1985, DAMOSA halted its distribution of Ford vehicles as Ford Philippines also ceased its operation in the country. This event paved the way for a change in the business thrust of Damosa from automotive dealership to property development and leasing of real estate properties.
The Lanang property started to house offices and companies under the ANFLOCOR Group of Companies. The former pre delivery inspection (PDI) of DAMOSA was converted into an automotive shop providing services solely for the company-owned vehicles.
More offices were built in the Lanang property during the 90s. The management produced a detailed "site plan" displaying the proposed improvement for the entire area, which paved the way for the institution of what is now known as Damosa District in Lanang.
Real estate and property development boomed in the year 2000. This development prompted the management to change the name of the company from DAMOSA to Damosa Land, Inc., which now functions as the property development arm of the ANFLOCOR Group of Companies.
Damosa Business Center
The renowned mixed-use complex billeting Damosa Gateway, Damosa Market Basket, Damosa Business Center, and the PEZA-accredited Damosa IT Park were placed in synergy with the Microtel Davao to tailor the modern way of living in Davao.
A decade after, Damosa Land, Inc. went grandiose with the establishment of more developments: Sasa Onse, a mixed-use complex in Sasa; the commercial McPod Building in McArthur Highway; Topaz Tower which houses BPOs and corporate offices in Damosa IT Park; and the expansion of Microtel in General Santos City.
Damosa Land, Inc. indeed extends beyond the need for convenience as it has evolved into a company with intense pursuits of achieving valuable innovations in real estate industry.
Today, Damosa Land, Inc. takes a major leap forward as it develops the fast-rising urban residential community which will soon become the residence of Davao's discerning market – the Damosa Fairlane. Strategically located within the center of the fast-growing Lanang area in the neighborhood of restaurants, schools, corporate offices and leisure destinations, is actually inspired by the nostalgia of the DAMOSA heritage. Taking from its roots in automotive dealership, the model houses are named after Ford vehicle models that DAMOSA used to distribute in the past. Damosa Fairlane is part of a series of residential projects of Damosa Land, Inc. here in Davao City and soon in Davao del Norte that are all designed to provide families a home in a nurturing community.
Damosa at 65
As it celebrates its 65th Blue Sapphire Anniversary, a showcase of the long fruitful years of Damosa Land, Inc. can be enjoyed by the public in an exhibit in Abreeza Ayala Mall with similar structures installed in the headquarters of ANFLOCOR Group of Companies in DAMOSA and at the Damosa Market Basket from April 12 to 13.
A motorcade will jumpstart the series of activities lined-up for the anniversary celebration on April 12. Damosa Land, Inc. will also host an exclusive cocktail gala at the newly opened Seda Hotel to give a toss for achieving productive milestones over the years. Both events will feature the classical father and daughter tandem of singers Hajji and Rachel Alejandro.
Damosa Land, Inc. also prepared fun-filled activities open for everybody to take part of. Damosa Market Basket Car Park will be filled with sights and sounds treasure-trove vintage models of Ford vehicles on the duration of the event. Adding up to the vibrancy of the celebration are the outdoor bazaars with live entertainment up until 12 midnight.
On April 13, Damosa Land, Inc. will likewise gather more than a thousand employees of the ANFLOCOR Group of Companies for the 65th Damosa Anniversary Fun Run at the Damosa Parking Lot. This fun run is organized to involve all its employees and promote bigger and stronger bond to achieve a more fruitful organizational operation in the coming years.
The celebration, of course, wouldn't be complete without treating the public with a whole day of blissful activities all for free. Guests will enjoy and spin round and round as Damosa Land, Inc. brings carnival revelry with rapid rides and other awe-inspiring carnival games on April 14 at E. Ramos, Mamay Road, Davao City. Families can also expect the entertaining Dog Agility Show that will be featured on the same day.
The Legacy continues…
Anchored on very sound macro-economic fundamentals, Damosa Land, Inc., aims to develop innovatively-designed boutique communities and lifestyle commercial centers.
Powered by an inspired, dynamic and proactive organization, espousing the legacy of values of its founder, Mindanao is assured of enhanced real estate experiences for the years to come.


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The only thing better than owning a DJI Osmo+ handheld gimbal is getting one at an incredible price. If you want a great DJI Osmo+ deal, this is how you get it. Buy a refurbished DJI Osmo+!
There is absolutely no difference between a refurbished Osmo+ and a brand new one. Refurbished DJI Osmo+ gimbals have no scratches or scuffs; they look and perform exactly the same as a brand new Osmo+.
Refurbished gimbals are ones that were simply returned, for whatever reason, within 10 days of being purchased. Sometimes they were returned because of buyer's remorse, sometimes they get returned when a gift recipient exchanged it for something else and sometimes there was a minor problem like a battery that would not hold a charge or a board that needed to be replaced.
Upon return, the gimbal is thoroughly tested and inspected. If any problems are found, the components are replaced with brand new ones and then they are packaged in the same box a brand new drone comes in.
A refurbished DJI Osmo+ has EXACTLY THE SAME WARRANTY as a brand new Osmo+, so you can rest easy knowing that your refurbished Osmo really is just as good as a brand new one.
It's your choice. You can pay $220 dollars more for a brand new Osmo+ or get exactly the same thing with a refurbished one. We'll let you decide!
The best DJI handheld gimbal camera yet, the Osmo+ 4K with Zoom lens allows videographers to take their filming to the next level.
Featuring a 22-77mm zoom lens with 3.5 x optical and 2 x digital lossless zoom, shooting with this Osmo+ not only makes videos better, but you'll be able to focus on distant shots much better.
And, like other DJI Osmo products, the Osmo+ has a 3-axis gimbal, making even the bumpiest of video situations steady and smooth.
DJI Osmo+ Features:
*Digital lossless zoom only available when shooting at 1080p.
The following is included in your Refurbished DJI Osmo+ Handheld Gimbal System with X3 Camera with Zoom Package:
The following is covered by the manufacturer's warranty. For full details about Expo Drone's and the manufacturer's shipping, returns and warranty policies, please visit our Store Policies page:
Gimbal Camera: 12 Months
Handle: 12 Months
Battery: 6 Months and Charge Cycle less than 400 Times
Battery Charger: 12 Months
Battery Charging Cable (Osmo mobile): No Warranty
Expo Drone does not offer warranties of any kind on products. All warranties are manufacturer warranties. Any problems you may experience with your drone products must be addressed with the manufacturer.
At Expo Drone, we strive to process and ship your order as quickly as possible. Most in-stock, non-custom products ship within 2 business days (Mon-Fri excluding shipping holidays). In the rare event that a non-custom order takes more than 2 business days to ship, we will notify you.
These rules for shipping, returns and refunds apply to most products sold on this website except for crash warranties. Once a drone has shipped and a crash warranty # has been generated and emailed to you, crash warranties cannot be canceled or refunded in whole or part.
Order Changes
If you need to make any changes to your order, please do so immediately. We try to get orders processed and shipped as quickly as possible. Once an order's status has been marked as "Awaiting Tracking Number" it is too late to stop the order. It could be anywhere from already packaged to on the truck when you receive an email with the "Awaiting Tracking Number" order status. Any cancellations made after an order is marked as "Awaiting Tracking Number" will incur a 10% restocking fee.
No Address Changes Allowed
In order to help prevent fraud, we do not allow address changes to an order nor will we allow a package to be held for pickup at the shipping company's facility. If you place an order and need to change the delivery address, you must immediately request that the original order be canceled and then re-visit the website and place a new order. Obviously, once an order has been marked as "Awaiting Tracking Number" or "Fulfilled" (which means it has already been processed through our warehouse and shipped), there is no way to cancel the order nor change its delivery address.
Signature Required Delivery
All items shipped by Expo Drone require a signature for delivery. Please be sure that someone is at the shipping destination to receive and sign for your package(s) on the delivery date indicated through your tracking number. It is your responsibility to arrange for another delivery if nobody is available to sign for the package at time of delivery. It is also the customer's responsibility to ensure that the person signing for a package at their property is someone authorized to sign for the package. If someone signs for a package at your property, it is considered delivered. In order to mitigate fraud, under no circumstances will we have a package held for pickup at the shipping company nor will we re-route a package to another delivery address.
Expo Drone is only responsible for products up to the time that they are received by the shipping company and title to the package's contents is transferred to the buyer the moment the package is received by the shipping company. Any problems that arise after the package has been received by the shipping company need to be addressed with the shipping company.
Undeliverable Packages
If for any reason, a package cannot be delivered, the customer is responsible for our costs to ship the package and any additional costs associated with the delivery, re-delivery attempts and return shipment to us as well as a 10% re-stocking fee. This is true even if the customer received "free" shipping (shipping is only free for products that are delivered and not returned).
Refusal of Delivery: If a package is refused for delivery, outside of arriving damaged or in a damaged box, the customer will be responsible for actual shipping charges incurred by Expo Drone. Once we receive the package back in the warehouse, we will issue a credit to the original form of payment for the purchase price less the actual shipping cost of shipping the package to you. This shipping charge will apply even if you were not originally charged shipping under a free shipping promotion. In addition, there is a 10% restocking fee for all returned orders.
Incorrect Shipping Address Provided: Packages that are returned to us because of an incorrect address provided by the customer will be subject to additional shipping charges as well as a restocking fee of 10%. This shipping charge will apply even if you were not originally charged shipping under a free shipping promotion. Requests for packages to be reshipped will have the restocking fee waived but will be subject to a reshipping fee.
Expo Drone only accepts "buyer's remorse" returns of unopened packages within 10 days of the order date. We do not accept returns for drone products that are not working - that is a warranty issue that you need to contact the manufacturer about. Once a package is opened, all issues must be addressed with the manufacturer.
For "buyer's remorse" returns, please notify us within 10 days of the order date of your intention to return an unopened package in order to receive a return authorization from us and instructions on where to ship the package (we do not accept return shipments at our corporate offices). We do not accept "buyer's remorse" returns after 10 days of the order date, regardless of reason - even if it took more than 10 days for you to receive it. Any packages that are returned without a return authorization will be refused and the customer will be responsible for the return shipping back to them, as well.
There is a 10% processing fee on all returned orders. In addition, customers are responsible for the cost of returning packages to us as well as our original cost to ship the package to you, whether you received "free shipping" or not. In other words, shipping is only free to customers who keep their purchases. Refunds will be processed in the amount of the original order, less a 10% re-stocking fee, less our actual shipping costs to get the product(s) to you.
CPS Drone Protection
Once a drone has been marked as "Fulfilled", CPS Drone Protection Warranties cannot be canceled. There are no refunds whatsoever on drone protection policies, regardless of the reason.