Insurance
Car Insurance Health Insurance Home Insurance Travel Insurance apply now or compare with our recommended insurers
Mortgages
The Alliance and Leicester mortgage offering gives plenty for first time buyers and discount seekers, or fans of trackers, but not much for non-status clients or those wanting a flexible product. Old style mortgages with plenty of value at the front end, but penalties to match if you're not loyal!
apply now or compare with our recommended mortgages
Banking
Personal Banking Savings Account Online Banking
Internet banking offers about 20 different banking transactions including paying bills and moving money between accounts, ordering holiday money and banking stationery, as well as setting up standing orders and direct debits. Online sharesdealing provided by Barclays Stockbrokers. Online applications for personal loans, credit cards, current & savings accounts, mortgages, insurance, ISAs and unit trusts. Online calculators for mortgages, budget planning, personal loans and car loans and money back credit card.
Best Current Account Moneyfacts awards 2006
Market leading current account
No monthly fee
6.10% AER (fixed until 30.09.07)1 on balances up to £2,500, 0.10% AER (variable) on balances over £2,500
Loans
Whatever you need the loan for, Alliance & Leicester have a product to suit, whether you choose the Car Purchase Plan or a Personal Loan. With Secured and Unsecured lending available from the Alliance & Leicester, see how much money our products will save you.
apply now or compare with our recommended loans
How are premiums calculated? - In setting premiums for buildings and contents cover, most insurers will start with the postcode of the property to be insured. Postcodes enable insurers to identify a geographical area, thereby allowing premiums to better reflect their claims experience in that locality. However, postcodes have two major disadvantages – first, the insurance industry has no control or influence over the Royal Mail’s allocation of postcodes and second, an individual postcode may contain within its boundary, areas of higher or lower risk than the average. This information is generally not known to individual companies or the industry as a whole.
The postcode is the base upon which insurers calculate premiums. A number of other factors are taken into account when calculating the full premium such as a policyholder’s previous claims history, the sum(s) insured and the nature of the items to be insured.
Not all insurers place particular postcodes in the same rating bands and competition between insurers means premiums can vary considerably for similar risks in the same locality. It is worthwhile shopping around.
Liability - Householders - like everyone else - have a duty to exercise reasonable care in everything they do. If you are careless or negligent, and this results in injury or damage to someone else or their property, then you could be held legally liable for this and have to pay compensation. Contents and buildings policies cover you against this risk. The buildings policy covers you as owner of your home while the contents policy covers you as its occupier.
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