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In view of the looming lightning storms, it would be worthwhile to install surge protection in your main electrical distribution board
which will protect all electrical goods on your premises.
This relatively small financial outlay may help protect your assets from lightning/power surge.
The benefit would be fewer claims, driving down Insurer losses, which may help to keep your premiums at an acceptable level. In addition, on Householders, you will earn a Claim Free Bonus discount on your premiums by not claiming.