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Dial Direct Short Term Insurance

Could you imagine the astronomical costs involved in replacing household items or your car in the events of them being, for example, stolen or lost in a fire? It would be impossible for most people to recover from such a loss, this is where short term insurance comes in.

Short Term Insurance refers to the cover of  your moveable possessions such as household contents and your car. Should your possessions be stolen or you are involved in a motor vehicle accident the insurance company will pay you out in order to either repair or replace the items lost. The payment made is calculated according to the replacement value of the possessions, in others words how much it will cost to replace the item at the time of the loss, thus covering the current value of the items should they need replacing.

In order to cover you in the event of a loss premiums are paid by you to the insurance company to cover the costs a possible claim. These premiums are calculated based on the value of the goods and possessions which you have insured. The type of policy you take out is tailor made to suite your personal needs in order to protect your valuable possessions.

It is important to remember that there is an excess involved in the event of a claim. This amount is negotiable with the insurance company. The higher the excess the lower the premium and it is important that you settle on a balance which is acceptable to you and which you are able to afford.

In today's climate it is very important to make sure that you are adequately covered in the event of a loss and as such short terms insurance becomes a essential part of your insurance cover.

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