Football kits serve many purposes. For one thing, wearing the football uniform of a certain team, say, Manchester United is a source of pride for their players and supporters. In the case of players, their kit reinforces their unity as a team simply because of the sense of belongingness that uniforms give to their wearers.For another thing, football wear provides protection for the players as they play the game. This is true regardless if the sun...more
If you're running a small business, it can be difficult to know exactly what sort of small business insurance you do really need. So many different policies for so many different risks. And every time you think that maybe you should be insured for this or that, you're also thinking about the extra cost it's going to add to your overheads.As if managing a business didn't already give you enough to think about. And enough to spend...more
Teenagers and car insurance do not seem to go well together. When a teenager in the house gets their license, higher insurance rates are sure to follow. This is because statistically, teenagers are involved in a disproportionate amount of traffic accidents, some of them serious ones.The best way to protect your teenage while at the same time helping to reduce your insurance rates is proper driver education, training and practice.The reason is simple. New drivers don't have a safety record to consider when setting policy rates, and insurance companies have to rely on the statistics concerning new teenage drivers.Unfortunately, these statistics are not good.Teenage drivers are involved in an inordinate amount of accidents each year.Solutions?Work with your teenager to help make them a better driver.Make sure that your teenage driving candidate has all of the proper courses before getting their license. This will not only reduce their effect on your insurance rates, but will help them live long enough to prove how good a driver they really are.If they are available, consider supplemental courses on driving safety, defensive driving and driving in adverse conditions. Again this can...more
If you're in the commercial transport or logistics field, getting the right level of truck insurance is massively important. The real crux of the issue is the level of service you're getting. If it's too much or too little, then you're effectively throwing money away. Finding the right truck insurance companies to get quotes is the first, and...more
Motorcycles, just like any other vehicle, need insurance especially since they are popular with the younger generation who get thrills from speed and with speed comes the possibility of accidents. Motorcycle insurance therefore covers for the loss and or liabilities incurred in the event of such accidents.It is therefore important to consider some...more
Errors & omissions insurance handles claims a little bit differently than traditional insurance. Most insurance companies pay damages to physical problems, such as fire or an automobile accident. Errors omissions insurance is different from this in that it protects your business from mistakes made by a business or employees. The benefit of this insurance is that often times, mistakes are not recognized and identified until many months or even years after the event has occurred. Thus, errors and omissions insurance covers you in the event of these problems. Businesses who are considering switching should know that a switch may cause a lapse in insurance with claims filed during this time not being covered by the new insurance company.Many mistakes happen in the course of running a business, which is what errors and omission insurance is designed to cover. Since most mistakes made in business are quickly resolved, many people forget the need for this type of insurance. Travel agents booking the wrong flight or cruise can quickly rectify the problem, but a real estate agent forgetting to have the new home owners sign an important document can go overlooked for many years, often until...more
Receiving care from your doctor or local hospital is less burdensome and more productive if you have health insurance to help offset the costs associated with professional health care. When your deductible is paid, a small co-pay associated with most...more
Taking care of your old dad or mom would be a lot easier and effective with health insurance. You might think that Medicare covers the risk there is, but studies have found that on average, Medicare can cater to only half of the total...more
Endowment insurance policies can fetch thousands on the open marketplace and selling endowment policies is large company but do you realize the ins and outs?These complicated economic products combine life insurance and investment...more
There are many people around the country that are selling a relatively small number of cars throughout the year. They are clearly not selling as a full time business and may just be doing it to earn themselves a little bit of extra cash...more
Life expectancy of Australians has increased considerably, yet a number of people suffer from a major disease at some stage of their lives. A plethora of people face consistent financial problems while grappling with severe medical conditions. It's...more
Your wedding is a unique event, and a truly special occasion. Why on earth would you need wedding insurance then? It is entirely right that any couple planning to get married should be able to enjoy the experience absolutely and...more