Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Jun 23, 2012

What to Toss, Save or Shred While Financial Spring Cleaning

Spring is the time to clean the garbage and get rid of those heavy, useless financial papers. Knowing what to keep and what to do away with is a difficult thing. Given below is a list of documents that you should toss, shred or save for future reference.

What so Toss:

Home Improvement Documents


No one is interested in your home improvement documents, but the tax authorities. Once you get your tax cleared, it’s time to get rid of these heavy documents.

Apr 27, 2012

Worried about the cost of your motorbike insurance?

1. Not too many of us love the thought of paying for our motorbike insurance and if you’re looking for a few ideas as to how to get your costs down, you might want to think about some of the following ideas:

2. Ride a smaller bike: that concept may strike you as being unthinkable but it’s a fact of life that typically if you ride bigger and more powerful machines, you may also face bigger and more powerful premiums.

3. Look around: motorcycle insurance quotes are typically readily available so it might make sense to look around carefully before making your decision;

Apr 7, 2012

5 Tips to help get your Disability Insurance claim approved

Getting a disability claim approved can be a difficult and arduous process.  The disability insurance companies are all large businesses, and the prevalent theme in American business today is that “cash is king.”  When you file a claim for benefits, you need to be ready to fight for the benefits you need and deserve.  Many people, however, do not realize how difficult a claim filing can be, as the insurance companies always say it is easy income protection and do mention the difficult application process they make you go through.  Here are five tips that can help make sure your disability claim is approved the first time.

Apr 5, 2012

Travel Insurance: Do you really need it?

Taking a trip can be a great time to get away from everything that is stressing you. It can also be a great time to meet new clients for your business. What you shouldn't be doing is worrying about insurance. Obtaining travel insurance is something that anyone should do if they travel often. Traveling abroad should never be done without having adequate insurance.

What Happens If Your Trip Is Delayed

Delays do happen when you travel. Flights are late, inclement weather strikes or your rental car isn't available when you get to your destination. Travel insurance will help you recover any costs associated with getting a new car or having to book an extra night at a hotel.

Feb 23, 2012

Four factors that have fuelled city-centre living

Urban centres have become increasingly popular in recent years as both residential locations and as commercial space.

This social change has been driven by a number of factors and has been reflected in the number of new property developments springing up in major cities around the UK. As space tends to be at a premium in urban areas, it has led to the construction of a greater number of apartments; potentially fuelling interest in block of flats insurance.

So why have so many people decided that an apartment in a town is a better place to live than a larger house in the country? Here are four factors that are likely to have spurred on the rush for the city...

Feb 7, 2012

Best Ways to Find Cheap Holiday Insurance

Many people will (rightfully so) look to find cheap holiday insurance so that when they go on holiday they can focus all of their energy on the positives of being away; the weather, the culture, the change in scenery, the break from everyday life and many other reasons however, before you can sit back and relax be certain that the holiday insurance package that you have purchased (ideally check before you make the purchase) covers everything you need.

Spending a few moments carefully running through the finer points of your preferred travel insurance company’s policy documentation, coverage areas and more can save a lot of potential stress should you need to use your policy.

Jan 20, 2012

Self-Employment and Health Insurance Tax Deductions

Health insurance is something that can help protect self-employed people when they are unable to work. However, the rules on claiming it back against your tax can be confusing. Group health insurance is generally an allowable expense, but if you have a private policy, you should seek advice to find out whether your specific insurance is tax deductible.

When you are self-employed, you become responsible for your own tax affairs. This means you are the one who has to sort out your obligations for all of your undertakings, including making sure you are paying the right level of tax and national insurance.

Jan 5, 2012

4 Bills You Can Save on by Paying Online

Online bill pay is infinitely better than snail mail how many times have you mailed a bill payment just to have it not arrive at its destination on time or even at all? Mailing payments to your creditors is iffy at best, but online payments are generally immediate and, after you print out a receipt, you’re done. No guesswork, no worries. Online bill pay can certainly make this a course of action that is a good deal easier for everybody. Paying your bills online makes life so much simpler by saving money and freeing up time and leaving you with the assurance that there will be no interruption in coverage due to a premium lost in the mail.  

A few tips about how to save money on your Car Insurance

Auto insurance is often one of the top five highest expenses in a typical family’s budget. With the cost of accidents so high, States require that every automobile on the road must have at least liability coverage. In addition, since many people finance or lease their cars, banks require full coverage until the car is completely paid off. With so many requirements for insurance, it is no wonder that drivers often find themselves “insurance poor.”

The good news is there are a handful of things that many drivers and families can do to reduce their insurance rates and put a little more of their hard earned money back in their pocket. Below are some of the best ways to get that premium lowered.

Nov 24, 2011

5 Types of Car Insurance you might not need

In every state, drivers must be able to prove that they can take financial responsibility for any damages that result from an accident that they cause. They don’t have a choice in this matter, but they do have a choice when it comes to the types of insurance they purchase for their own vehicles. These optional policies can be very good for some people, but others may be able to save money by forgoing this optional coverage.

Oct 28, 2011

How professional indemnity insurance can protect those in the advertising and marketing industry

Professional indemnity insurance might be more commonly associated with the legal and medical professions, but it is appropriate and often necessary in a far wider range of industries. One of these is advertising and marketing.

There are certain industries in which professional indemnity insurance is mandatory – that is, required by law. Due to state legislation or membership of a particular profession, indemnity insurance must here be purchased by default as a condition of doing business. These are known as ‘involuntary’ professions with regards professional indemnity.

Oct 27, 2011

The differences between Directors and Officers Insurance and Errors and Omissions Insurance

Directors and Officers Insurance is often confused with Errors and Omissions Insurance, but the two are not synonymous. They apply to different circumstances and you will need to ensure you have the right cover for your role.

Directors and officers insurance protect the director and officers of a company from financial liability in the event of a claim regarding perceived failures in their performance and duties as managers. Errors and omissions insurance are concerned with negligence or failures in the provision of products and services. In practice, both will often be required.

Understanding what you pay for with Comprehensive Auto Insurance

Comprehensive auto insurance - it is something most drivers have no choice but to carry, but something many of us do not really understand.  Honestly, it is something most of us have not taken the time to understand, often because we do have little to no choice but to carry it.  However, if you take the time to understand what comprehensive car insurance is and what the options with it are, you can not only feel better about paying for it, but you might also find ways to reduce the expense.

Oct 26, 2011

5 Ways to save money on life insurance

Are you searching for a new life insurance policy? If so, you likely know just how much of a minefield finding a good policy can be. However, there are quite a few things you can do to keep your costs down; some of which you should probably consider even if you’re not applying for life insurance, depending on your circumstances.

Oct 17, 2011

Top 7 Ways to Save on Car Insurance


We all have to pay for car insurance, but that doesn't necessarily mean that we all have to pay the same price. You may already be paying too much for auto insurance when you actually qualify for discounts and benefits that can keep your rates low. If you're looking for ways to save a little extra money each month on car insurance, consider the following top seven most effective ways to save money without sacrificing protection.

Oct 16, 2011

What causes my Car Insurance Premium to change?

Basically, a car insurance premium is another way of saying car insurance bill or fee. When an insurance company accepts you as a driver, they are taking on a risk that you will sustain some form of motor vehicle incident which could end up costing those thousands of dollars. While most people do not incur any incidents whatsoever, they still must make their car insurance premiums.

Sep 26, 2011

Business insurance claims - the three things you need

Everyone who buys a business insurance policy hopes that they will never have to use it. But, if that situation does arise, they want three things.

Firstly, they want to know that they have the right policy cover in place. Secondly, they want to make sure that they get good support during the claims process and thirdly, that the insurance company behind them have a good reputation for paying claims.

Sep 22, 2011

Coping with an emergency

If the appalling footage of riots on the streets of England has taught the UK's businesses anything, it's that there ought to be robust emergency plans in place to cover any eventuality.

The unprecedented violence has caused millions of pounds' worth of damage, according to insurers and you can guarantee, sadly, that a fair few of those impacted won't have had the necessary precautions or cover in place to deal with the fall out.

Sep 12, 2011

Getting the right travel insurance

Buying travel insurance seems easy. Pick one that boasts big numbers for your cover and you're sorted...right?! Wrong!

Travel insurance needs a whole lot more thought than that and if you don't give it the focus it needs, you'll really be sorry if you find yourself needing to make a claim.

Aug 10, 2011

What is whole life insurance?

If you are a little confused by some of the terminology surrounding whole life insurance and life cover in general, you may find the following to be of use.

Whole life insurance: It is a form of cover that will pay out in the event of your death - at whatever age that may be (some policies may have upper age limits of 90 or 95 years etc).