Home Insurance For Exercise Equipment
Author: Alex Gregory
Source: ezinearticles.com
With the recession in full swing many fitness enthusiasts are choosing to exercise at home rather than pay for a gym membership. However, without suitable home insurance in place, this too could be a costly routine.
Research from Sheila’s Wheels home insurance has revealed that indoor exercise cost women a whopping £1.3billion in accidental damage claims alone last year. With motion controlled exercise machines such as the Wii Fit enjoying a surge in popularity, accidental damage to the home caused by indoor exercise has risen by 700 per cent in the last 12 months alone.
Living rooms have become a potential minefield for accidents with eight per cent of women having slipped over their own children while exercising, 18 per cent slipping on flooring or tripping on rugs, and three per cent even smashing windows or hitting the TV screen.
It’s vital therefore to check your home insurance policy to ensure you have accidental damage cover in case you knock over any home items during your routine. Also look for personal injury cover in case you hurt yourself too.
Of course making a claim on a home insurance policy is to be avoided as it will wipe out a no-claims discount. However, if the accident is serious you may need good cover to fall back on so make sure your voluntary excess is only set to a level you can comfortably afford should the worst occur.
Take steps to avoid accidents too. This can be as simple as ensuring that your exercise area is thoroughly cleared before you start a workout. Stand well back from the TV if watching an exercise video and make sure the area is safe with no rugs or carpet to trip on. Finally, get pets and children out of the way before you begin.
If you exercise at home to cut out the expense of gym workouts then you may not want to pay too much for additional cover on a home insurance policy. That is why you should shop around for cheap home insurance with a comparison website to avoid paying over the odds.