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Free Resources. Churchill Maths produces materials for use in the teaching and learning of Mathematics. We present here some easy- to- use activities that add interest to your lessons. They will also develop the skills your pupils will need for the new specifications. On this page you can download the pupil sheets for each activity.

However, so that pupils cannot find out in advance how to tackle an activity, you need to login to download the teachers' notes and answers. If you have login details for our site, then login here and click on the Teacher Resources link. If you do not have a login, please contact us (using a school email address) or phone us to ask for one completely free of charge.

Cheap Home insurance: find quotes & cashback. Home insurance costs are predicted to continue to rise this year. Buildings insurance is already up 5. Stay ahead of the game and play the key tricks . It takes you through how to ensure you've got the right home insurance cover, what to get and how to get the best possible deal.

To see Martin on how to choose home insurance in a five- min lowdown, click on this video filmed in partnership with The Telegraph in June 2. What is home insurance?

There are three main house insurance (or flat insurance) policies: buildings insurance, contents insurance and combined building & contents cover. Buildings insurance cover protects the structure, the fixtures and fittings in your home; while contents insurance covers your belongings. Combined buildings & contents cover is only suitable for people who own their homes. If you rent, buildings cover should be handled by your landlord. Contents insurance, however, is your responsibility and should be considered by everyone. See our tenants contents insurance guide for more.

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What is covered? Included: What's usually protected? The contents part of your insurance protects you against damage and theft to possessions in your home, garage and shed. The buildings part protects the structure of your home and permanent fixtures and fittings, such as doors and sanitary equipment (baths, basins, toilets and showers). It can differ from policy to policy, but home insurance will usually cover damage from storms, flooding, earthquakes, fire, lightning, explosions, theft, riots and vandalism.

It also covers damage from falling trees, motor vehicles and escaping water (such as a burst pipe). Your cover should also protect you against subsidence (a shifting of the ground, which can cause your house to sink). There are limits on how much you can claim for, so if you're concerned about fancy frozen goods or you have cash hidden in your mattress, check your policy carefully. This means that as part of the contents policy, the insurer will cover you and your legal costs if a visitor to your home is seriously injured and it's deemed to be your fault. A buildings policy will do the same if the structure injures a passer- by or visitor, or damages a neighbour's property. Excluded: What's often left out of cover?

Home insurance won't insure you against acts of terrorism. It also doesn't cover damage due to wear and tear.

Your policy may also be invalid if your house is unoccupied for more than 3. There's also usually only limited cover for accidental damage (see accidental damage for more). Check the small print carefully before you buy. If you sub- let your home, you won't be able to claim if you are burgled and there's no sign of forced entry.

Or if you're away for a long time and a pipe bursts, your insurer may not pay out. If you've a stash of high value items, there may be a limit on the insurance. Accidents: What happens if I damage my home or its contents unintentionally? Most people have probably accidentally smashed a window, or broken a sink or other fixtures or fittings. Most standard policies usually cover you for limited accidental damage, such as a broken window. Electrical goods may be insured for instance, but if you spill paint on your carpet, it's unlikely to be covered.

If you're particularly clumsy, you should give it some thought. Read your terms and conditions carefully to see what you are and aren't covered for as standard. Outside the home: Will my policy cover my belongings away from the property?

Most policies don't cover contents outside the home as standard, but you can extend them so they do by buying what's called an 'all risks' or 'personal possessions' add- on to your contents policy. As a rule of thumb, if it's designed to be taken out of the home, it'll fall under this extension.

There may be limits to the cover and the items might have to be specifically mentioned in your policy documents. In many cases, such as for valuable bicycles worth . Equally, if you carry a lot of valuable gadgets, eg, a laptop, tablet and smartwatch, then gadget insurance could be worth considering. Leaving the house unoccupied: I'm going away on holiday, am I still covered?

If you're going away and leaving your home unoccupied, you may find that your cover is restricted or that you might not be covered at all. Almost all insurers restrict the number of days you can leave your home unoccupied for while still covering you . Leaving it empty for long periods makes it more at risk of burglary, and the cost of any claims greater as any damage can be left undetected for weeks. What's more, during the colder months insurers reduce the number of days you can leave your home empty for to as low as five days UNLESS you keep the heating on at a minimum constant temperature or drain the water heating system (not for the faint- hearted). The reason for this is to reduce the risk of burst pipes and the damage they cause. If unsure, just give it a call. Big ticket items: Is there a single item limit?

Your insurer will ask you for an estimated value of your contents. But pricey items, usually ranging from . Expensive purchases such as laptops and jewellery (including engagement rings) may not be covered if they were bought after your policy was taken out.

A number of providers insist these items are specifically named on the policy, regardless of their value. After you buy something expensive, always check your policy carefully to ensure it's covered. Always keep hold of . Insurers will usually want to see proof of purchase before paying out; a receipt, photograph, valuation (for jewellery or antiques) or even bank statement will suffice.

This is also the case if adding such items to an 'all risks' or 'personal possessions' add- on to your contents policy. Homeworkers: I'm working from home. Is my business equipment covered? More and more people run micro- businesses from their homes. Whether your working equipment will be covered varies from policy to policy. Some insurers will cover your computer or work phone automatically, others may not.

It's important to check with your insurer and notify it if you work from home . Any business stock is usually excluded under a normal policy, so always check to see if you need specialist cover. Christmas presents: Do I need extra cover for my festive gifts? Presents kept in your home will be covered by your usual contents insurance, but if you've bought big ticket items as gifts they may need to be listed separately. Typically, the limit for single items ranges from . Many home insurers automatically increase your contents cover in December (and some even into January) at no cost but, if you need extra and your insurer does not up its limits as a matter of course, you may have to pay a small fee if you want to extend your cover. Some insurers will also increase your contents cover for other special occasions, such as religious festivals and weddings.

Below is a table of some of the market's biggest players that will increase contents cover automatically. What happens if I make a claim? Excesses: Do I have to pay an excess if I make a claim? Each policy normally comes with a compulsory and a voluntary excess, if you have selected one.

A compulsory excess does what it says on the tin. If you make a claim, it's the amount you pay towards the cost. If your TV was stolen and you made a claim for . If you have a . The excess is outlined when you buy the policy. What you pay is entirely up to you.

A higher excess will lower the cost of your premium, with the insurer paying less if you have to make a claim. But if you make a claim, you'll get less money back. If you can't afford to cover a large chunk of the cost if you need to claim, don't set a high voluntary excess, as you'll have to pay that as well as the compulsory excess. Some insurers will have a separate excess for both parts of your policy, which means a claim affecting both the structure of your home and its contents, such as a flood, will result in a double deduction. Watch Girl Without Hands US (2017) Movie Stream.