Overall it is good. I would like to use one. But the cost of it is too high.
PHA HOME INSURANCE
*PHA's home insurance provides you with the service you want not what your mortgage adviser wants you to have.*
PHA is not a commission led broker who sets a standardise rota to third party business handlers. Their online insurance policies have been recommended to me by reliable and trusted sources.
Their versatile insurance brokers work around the clock to provide the best service to their clients. They have an excellent 24 hr answering service regarding all enquiries.
Please read their terms and conditions and compare it with your own broker's or any bank mortgage broker. the major difference is that the PHA has a static interest rate compared to the ever notorious variable changing banks. This overal could save you loads of money in the long term, and that is always a good reason to 'crow about'.
I'm a satisfied and paid up member of PHA for all my home contents.
Below is a list of what types of Insurances you can sign-up to with PHA.
The site is: www.phahome.com. The information below is from the URL itself.
The Insurance Content and Options available to you are:
*You can Reduce The Cost of your House Insurance
*Low Cost Home Contents & Buildings Insurance
*Quick Quote & Online Secure Purchase Environment
*Home Working Equipment Insurance
*Accidental Damage Contents & Buildings Options
*Personal Possessions Insurance Option
*Legal Expenses Insurance
*Extended Garden Insurance Option
*Gas Boiler and Central Heating System Protection Breakdown Cover
*Caravan Insurance Option
Initially, I was very pleased to see an option on the site that gave out Free quotations. Having surfed online for a few hours and read all the relevant blogs. This company did exactly what I wanted to know and I made that vital plunge. Since dealing with PHA , it has been well documented that Insurance companies have not been up front with the actual costs of home content insurances with their customers.
Home-owners throughout the UK are making payments of over 1 Billion GBP's too much on their own Home content Insurance cover. They are forking out monies that they feel are less complicated and do not want the extra hassle of shopping around especially when dealing with Home ownership information. It is estimated that 8 Million households are paying over the odds for their insurances.
I've always been one to shop around and I can vouch for PHA payment plans. I wanted flexibility and at the moment the plan gives me scope for other insurances for the future as I will bargain with them and no doubt will get a better deal in the long term. I do recommend that depending on your circumstances the PHA Home Content deals allows versatility. Futhermore the Quote is Free and that is always a good start, unlike many online service providers.
There is a big trend for UK Home-owners to accept Insurance offers by their mortgage providers. There is no need to... It does not save to put all your House finances into one basket. The deals are of a much higher premium rate. It has been reported that 5/10 of Home-owners thought the Insurances were compulsory that went with the mortgages. This is untrue. the mortgage advisers would say that it is recommended.. of course they would say that; the same advisers are on commission for all insurances connected to the home. They may not admit it but that is the perks of the job for the broker.
It is sad and evident that 1/10 of home-owners actually think that their mortgage would be at risk if they did not take up the insurance offer. Many of which have been beaten down by hardcore sales tactics that are full of huge flaws and unfair truths. What I have found is that when surfing around for deals and getting the best deal, hardly anyone else actually does the same. I would like to hear from anyone who does haggle:) for price reductions.
On average, an annual fee of £90.00 can be saved by switching insurances. In the UK insurance companies generally do not reward you loyalty points for staying with them for a particular time. Incredibly 10% of home-owners can save up to £173.00 annually on insurance home content alone. It is vital that you work the competition and cash-in to deals that suit you and your pocket.
PHA Home is a highly respectable company that is flexible. there is no obligation to going ahead with any free quotes. PHA has a professional team that is flexible with all types of cover. Have a look and don't feel obliged to follow suite and feather your mortgage brokers nests.
Thank you for your time. I hope this information helps.
Hi i have a sony laptop
which i use for surfing the net + gaming mainly counter strike
which i love and is one of the biggest online games in the world
my model is the VGN-AR31M £1400
for details see
http://vaio.sony.co.uk/view/ShowProduct.action?product=VGN-AR31M & site=voe_en_GB_cons & category=VN+AR+Series
comes complete with warranty and great spec
i had my last laptop stolen from the car when i a shop for 5 mins Sad
and cost me loads
so this time i have got laptop insurance from
which covers the main stuff Water damage, Theft, International cover & Accidental damage
i pay £7.50 a month to cover me for upto £1500
so i should be ok which this one as it did break the bank to replace the old one (lol not)
i'm well happy with the laptop and lets just hope the battery is ok?
happy buying and surfing