>Susan Difford image

Susan Difford

Personal Lines Insurance Expert

Susan is a true industry veteran when it comes to personal lines insurance. With over 15 years of experience working for national insurance brokers, she has gained a wealth of knowledge and expertise that enable her to provide insightful and informed commentary on a range of industry-related topics. Throughout her impressive career, Susan has developed a comprehensive understanding of the complexities involved in the personal lines insurance industry.

Comments from Susan:

Bicycle Insurance

Bicycle Insurance

"Make sure you have an accurate valuation of your bike and accessories, so you can insure them for the right amount."

DR10 Drink Driver Car Insurance

DR10 Drink Driver Car Insurance

"Drivers who have been convicted of DR10 offences should make sure to disclose their convictions, look into insurance choices and think about taking rehabilitation programs to possibly reduce their premiums. It's crucial to compare insurance quotes, for cost effectiveness."

SP30 Car Insurance

SP30 Car Insurance

"To find car insurance after being convicted of an SP30 driving offence you'll need to compare quotes from insurers who specialise in high risk drivers. Make sure to mention any driving courses you've taken telematics monitoring or other measures you've taken to mitigate the offense. Understanding the factors that contribute to risk and exploring discounts can help minimise the impact, on your premiums with a recent speeding violation."

Static Caravan Insurance

Static Caravan Insurance

"While most holiday parks require a basic level of cover, it may not provide adequate protection for your static caravan and its contents.. Basic cover may not include all the risks that your caravan is exposed to, so it's important to read the policy carefully and consider additional cover if needed."

Thatched Property Insurance

Thatched Property Insurance

"Insuring a thatched property requires specialist knowledge of the unique risks associated with thatched roofs. Specialist thatched property insurance providers have the expertise required to assess the risks and provide the right level of coverage for your property."

Horsebox Insurance

Horsebox Insurance

"If you have made any modifications to your horsebox, such as installing an upgraded security system or adding a ramp, make sure to declare these to your insurance provider."

Motorhome Insurance

Motorhome Insurance

"Consider your usage: The amount of time you spend on the road in your motorhome can impact your insurance rates. If you only use your motorhome occasionally for weekend trips, you may be able to secure a lower premium."

CU80 Car Insurance – Using a mobile phone at the wheel

CU80 Car Insurance – Using a mobile phone at the wheel

"Receiving a CU80 conviction for using a mobile phone while driving can have a notable effect on car insurance prices, staying on your driving licence for four years. You must notify insurers for a five year period, which can impact policy premiums. The seriousness of the violation, as indicated by penalty points, plays a role in determining premium hikes, which could range from slight changes to substantial increases."

Convicted Driver Insurance

Convicted Driver Insurance

"Some insurers specialise in providing insurance to convicted drivers, and take a more personalised approach to assessing your risk. They may also offer more competitive premiums than mainstream insurers."

Car insurance for Bankrupts, Individual Voluntary Agreements (IVA) or Debt Relief Orders (DRO)

Car insurance for Bankrupts, Individual Voluntary Agreements (IVA) or Debt Relief Orders (DRO)

"While it may seem challenging to obtain insurance after bankruptcy, an IVA, or other debt management plans, there are steps you can take to improve your chances of getting approved. By disclosing your previous financial difficulties when applying for insurance, seeking the advice of a specialist insurance broker, and rebuilding your credit, you can move forward with confidence and financial security."