Insurance is an unusual business in that you are not really buying anything when you pay your premiums. You are paying the company money so that if something bad happens and your possessions are stolen or destroyed, the company will make you whole once more. The company accepts your money, and that of as many others as they can convinces, under the studied reasoning that while it is probable that some will experience losses, it is likely that...more
When you are getting married the last thing you want to do is to put the speck on the big day and many people believe that by taking out wedding insurance they will do just that.However you may wish to forget about superstition and consider paying a premium for insurance as when you consider how much you may lose if the worst happens you could lose a great deal of money. So what does a policy cover and how may you benefit?The typical policy may...more
Procuring commercial insurance is the most important investment decision any business owner needs to make. All commercial establishments across the UK are required to obtain employer's liability insurance which can be combined in a single commercial policy. This type of insurance protects businesses against losses due to damage, theft, and any claims made against the business. In the long run, commercial insurance ought to be considered a contingency plan that can be paid for in affordable monthly instalments. Breakdown of equipment and injuries to employees at the workplace are common problems that every business faces. Natural disasters can also take its toll a business due to damage and even business interruption. While repairs can prove costly, medical expenses incurred on injuries can cause a severe strain on your business' finances. Moreover, you are liable for the safety of your employees, so any claim made against you can prove detrimental to your business. Adequate employer's liability insurance along with public and product liability insurance when included in a commercial policy will keep you protected from any claims. It is essential to find the right type of cover...more
For those in the motor trade industry one of the highest overhead costs of doing business will come in the form of insurance. Insurance covering the motor trade can vary in price significantly and in order to get the most discounts possible there are several things you can do. The most important part of finding the best price for insurance is to...more
Being free from care is how vacations are suppose to be, may they be a getaway for the weekend or a one seating expedition to eight countries. The way they turn out are not always how we wanted.They may be over even before it could begin, like when you encounter a cancelled leave or worse, if you get sick.You might come back to your hotel after...more
While travel insurance is selling like a hot commodity due to threats of terrorism and natural calamities, there is indeed a catch in this picture.Most policies offer only very limited protection, if any, should you want to cancel a trip because you're afraid to go.It's just a shame that your policy is unable to cover your worries toward possible bomb scares or events involving liquid explosives.There is also no coverage on your worries if a hurricane might hit your favorite beach.Do you feel any trepidation over a major airline strike disabling your from your doctor's college sendoff? Well purchasing a travel insurance policy now won't be of any help. Travel insurance guarantees you a money return even for the portions of a trip that you cannot normally reimburse such as the airline tickets, hotel deposits or if you find yourself in a situation where you can no longer go on your trip, then your insurance will surely help cover the cost of food or hotel rooms when stranded.These insurance plans cover for any medical needs when the person gets sick while abroad or is in need of medical evaluation.This is important since not all hospitals in different countries honor the insurance...more
There are advantages to having the proper commercial fleet insurance, if you are a business owner that has many vehicles on the roadways, representing your business. Service or delivery vans can be moving targets for those that are looking for a...more
For the businesses that have a fleet of service or delivery vans, a fleet of Lorries or even a fleet of business automobiles on the roadways, finding the best commercial fleet insurance can be important to protect your business assets. There are some...more
For those businesses in the UK that have a fleet of service or delivery vehicles on the road, having the proper fleet insurance is crucial to the protection of business assets. The problem for many businesses is there is a tremendous amount of...more
If you are in the business of haulage, delivery or have any kind of service vehicles on the road, there are some different types of fleet insurance you should consider. Of course, you need to have your commercial vans, automobiles or trucks insured...more
If you are the owner of a heavy goods vehicle you will be aware of the need for a special type of insurance. HGV Insurance policies are available for a single vehicle, or a whole fleet, and they offer many benefits. A good HGV policy will usually...more
Lorry Insurance is especially designed for large van type vehicles driven for business or personal use. This type of insurance is on offer to businesses who use these larger vehicles that are not heavy goods vehicles. This type of insurance caters...more