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Temperatures are set to drop to -8C today, is your home ready for the big freeze

Posted on 1 December 2016

Yesterday (30 Nov 2016) was the coldest November day in six years as temperatures dropped to -9.7C in some parts, while today - the official start of the meteorological Winter – temperatures are expected to plummet as low as -8C in the South. The Met office is warning this cold snap is set to continue into next week, but is your home ready?

Simon Stanney, General Insurance Director at SunLife is urging home owners to get their homes winter ready as temperatures continue to drop.

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Simon’s top 5 tops for making sure your home is winter ready

1. Don’t go too low

Don’t let your house get too cold. If you have a thermostat, set your heating to come on if the house temperature falls below a certain level. If not, set a timer so the heating comes on at regular intervals, then if you’re away and there is a cold snap, the temperature won’t dip too low.

Simon says “Letting your home get really cold and then suddenly putting the heating on full blast is not good for your home. If the pipes were frozen it can cause them to thaw too quickly and burst. It can also cause damp on ceilings and walls through condensation.

2. Wrap up warm

One of the most common winter problems is frozen and burst pipes; you can reduce this risk by ensuring all your water pipes - and your water tank if you still have one - are well insulated.

3. Don’t be a drip

Fix any dripping taps because a small trickle of water, particularly from an outdoor tap, can freeze and completely block the pipe.

4. Don’t cock it up

It is important that everyone in the house knows where the stopcock is. If your pipes freeze, turn the water off at the stopcock (usually under the kitchen sink) to prevent burst pipes and flooding.

Simon says: “If your pipes have frozen, turn the water off at the stopcock, switch off the heating and drain the system.”

5. Call the experts

Make sure you know who to call in a home emergency – your insurer should have an emergency helpline number where they can offer help, advice and arrange for any repairs that need to be carried out.

“Every winter without fail, insurers receive thousands of claims for damage done by frozen and burst pipes, blocked drains and fallen trees and fences. Insurance gives us piece of mind that our homes are covered should the worst happen, but the inconvenience can be very stressful. We all know that prevention is better than cure and, while there is nothing we can do about the freezing cold weather, if you follow our top tips you can protect your home now before the winter weather really takes hold.”

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife? 

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is entered on the Financial Services Register (registration no. 110418). As part of SunLife’s commitment to quality service and security, telephone calls may be recorded.

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity is not authorised or regulated for this activity by the Financial Conduct Authority or the Prudential Regulation Authority but is a member of the National Association of Funeral Directors.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by Phoenix Life Limited, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.