Home & Contents insurance

Free Consultation

You can have a free initial consultation, with a financial adviser/advisor. There's no fee, no catch and no obligation on your part.  We can call you to arrange a time that suits you. No pressure, no problems!

It takes time to provide quality investment advice, so Millhaven, (Reading), gives plenty of time to gather all the necessary information, to provide the required investment advice, that you require and deserve.

Please feel free to call Millhaven on, (Reading), 0118 958 6562

E Mail Millhaven on:- stuart@slawes.fsnet.co.uk

Or click on NEXT below for direct message service.

And remember Millhaven, (Reading), offers:

Mortgage solutions, remortgaging strategies, pension planning, investment advice, protection plans, retirement options, drawdown, pension transferrs, and finanial planning for private clients and for corporate clients.

Some of the areas Millhaven cover:-

Reading, Wokingham, Newbury, Windsor, Eton, Ascot, Maidenhead, Henely On Thames, Marlow, Oxford, Bracknell, Slough, Cookham, High Wycombe, Wallingford, Hungerford, Swindon, Basingstoke, Camberley, Berkshire, South of England, London.

 

Economic Situation For:-

March  2011  (released 12/04/11)

Economic Cycle: Coming from recession into slow upswing.

Inflation (annual):

CPI (index used across Europe)   4.0%

RPI (all index)                                    5.3%

RPI (excluding mortgages)            5.4%

GDP (country's income) up 1 yr     1.8% 

GDP for the last 3 months up         0.5%

Average pay (2009 figs)               £25,948

Unemployment rate, Dec/ Feb 2011   7.8%,

Average house price Dec 2010 £162,763 (over 6 times average earnings - high). Too high for first time buyers. House prices expected to drop by up to 10% during the first part of 2011 according to commentators. Market semtiment - rather gloomy, with increases in fuel duty, VAT, and national insurance coming up early in 2011.

 

 

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Contents insurance – protecting your possessions

Spread over time, the outlay for filling your home with furnishings, trinkets, the latest gadgets and gizmos may appear manageable. But if you had to replace every item in one hit, what would the cost be to you? Walk around each room, including your loft, garage, cellar and shed and do a rough calculation. Add in clothes, DVDs, CDs, electrical items, not to mention jewellery, antiques and furniture, and you’re probably talking many thousands of pounds

Contents insurance is a cost efficient way to restore some degree of normality if your house burnt down tomorrow, was broken into and items stolen or vandalised, or flash floods washed away your prized possessions.

Think current value, not what you paid

If, like most people, you simply renew your contents insurance annually, you could be in for a shock. The price you paid three years ago for a flat screen TV, or to re-decorate a bedroom, could have jumped significantly in real cost. Your sum-insured today, needs to reflect the current cost of replacing all your items.

Even more important, luxury goods or high value items purchased as maybe a future investment should be listed separately. We would advise obtaining professional valuations of rare antiques, including furniture, or works of art, every two to three years. 

Types of contents insurance

 

We usually offer Home Insurance from a single provider.

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