Archived Articles about Insurance

How To Find Out What Type Of Cover You Need For Your Van    By: Anyone who has ever used the internet to find thei
Anyone who has ever used the internet to find their insurance will know exactly how easy it is. Getting quotes is a simple matter and most policies will have plenty of information attached. So, if you are looking for the answer to a specific question, you will normally find out exactly what you need to know within a very short space of time. After all, there are many types of cover to choose from and it must be the correct one for your vehicle! For example, if you are the owner of a van, then it is very important to know which category of insurance you need to be looking at. And this will all depend on what you actually use your vehicle for. Did you specifically buy it for work purposes? Or was it simply bought because it was a cheap and useful ‘run-around’ to have? There are two main types of UK van insurance; ‘Commercial’ and ‘Domestic’. But if you have the wrong one of these in place for your vehicle, then it may prove to be completely void in the wake of an accident! So exactly how will insurance companies determine which of these categories you belong to? Well, this can prove to be quite difficult. Every insurer will work in their own way and many will have a different take on what is deemed to be ‘domestic’ or ‘commercial’ use. Some owners will have definite commercial uses for their vehicles such as the transport of employees, the carriage of products from A to B or the delivery of parcels to clients. It is easy to see how any of these tasks would be classed as ‘commercial’, but it is not all as clear cut as that... Many van owners will use their vehicles for carrying tools, belongings or equipment every once in a blue moon. So that would still be seen as ‘domestic’ use, wouldn’t it? And what about taking rubbish down to the local tip for your elderly next door neighbor? Surely this would not be classed as ‘commercial’ use? As you can see, this is another very good reason to shop around for your vehicle insurance. By reading all of the information about a policy before taking it out, then you will be fully aware of what you are/are not protected against. This research will only take you a very short time and it could prevent you from inadvertently making the wrong decision! After all, what is the point in having insurance for your van if it is totally the wrong type of cover? And if the worst ever does happen, it will be good to know that you are properly protected.(read entire article)(posted on: 2010-08-27)
View : 465 Times

Don’t Take Taxis For Granted    By: But providing this important service to the public
But providing this important service to the public is not exactly an easy task; it requires a great deal of hard work and many responsibilities are involved. Regular maintenance must be performed on every vehicle, bookings will require some very careful organisation and a comprehensive level of taxi insurance must be purchased each year. These are just a few of the tasks for a public hire company. There is far more to it than running customers from one side of town to another! All in all, taxis play a huge role in many of our lives. Here are three good examples – School Runs Taking the kids to school (or picking them up) is not always practical or convenient. If you are a single parent with a full-time job, then you will be fully aware of just how difficult life can be! Having to dash straight from work to the school will be a stressful experience and, if you are late getting there, your kids may be left hanging around outside the gates... But taxis offer a great solution to this. Many firms will specialise in doing school runs and this means you have one less chore to worry about. Shopping Trips Not all of us are lucky enough to have our own car and this can make certain situations incredibly awkward. Take shopping for instance; you do not have to spend masses of money before you are struggling to carry your bags. Enter the taxi! Calling yourself a cab will save you a long walk home and aching arms. And if the Great British weather has taken a turn for the worse, then you have even more reason to pick up the phone! Airport Service Parking your car at an airport is well known for being expensive; even for a short time. And if you are planning to leave it there whilst you are out of the country, then it will certainly result in a large bill! That’s exactly why so many travellers will make arrangements with a taxi firm well in advance of their trip. This means no worrying about taking a wrong turn on your way to the airport and far less stress. Besides, let’s face it, when you get back to the country and it has taken you an eternity to get through customs, the last thing you will feel like is driving a long way home.(read entire article)(posted on: 2010-08-27)
View : 480 Times

Group Health Insurance Policies – Some Of Its Attributes    By: hellykain
In group health insurance the size of the group plays a critical role in the insurance policy benefits. Insurance, provided for the smaller groups have restriction and they have more detailed underwriting of different member within the group.(read entire article)(posted on: 2010-08-27)
View : 207 Times

Small Stores Deserve Big Protection    By: But behind the scenes of any business there is a g
But behind the scenes of any business there is a great deal of hard work involved. New stock needs to be ordered, staff rotas must be organised and accounts have to be kept up to date. Local stores may play an important role in our lives, but this would not be the case without the efforts of their owners. And that is without taking anything else into account... Running a small business will have plenty of challenges when everything is going smoothly, but if disaster strikes, then it can really put a spanner in the works! You may not think there are many things which could go wrong. After all, we are only talking about a small local store. But you would be surprised at the number of situations which can arise without the slightest warning. Take a moment to think about this; we all know about the risks of fire, theft or flooding, but there are many other far more unusual disasters just waiting to befall the unsuspecting storekeeper! We have a big problem with drunk drivers in our society and what is to stop one of them taking a ‘wrong turn’ into the front of small store? Or what about opening your shop one morning to find that your chimney stack has collapsed and fallen through your roof during the night? You may scoff at these scenarios and point out that the chances of them actually taking place are incredibly slim. And you would, of course, be right; but life has a habit of springing the most unpleasant surprises upon us when we least expect it. Besides, those are just two possible situations... Who knows what will happen tomorrow or even this afternoon? Many people go through life with an ‘It will never happen to me’ attitude, but this is not a good philosophy to have. Anything can happen to any of us and it may prove to be either good or bad! It is always best to have as many safeguards in place as possible. We may not have the power to prevent a disaster, but we can certainly have insurance in place to help us pick up the pieces! Everyone will have their own individual needs when they are purchasing insurance so it is good to know there is a wide selection of policies to choose from. But the best news of all is that shopkeepers can purchase a policy that is purposely designed for their type of work; it is called Traders Insurance and it will meet all the requirements of someone running their own store. This can be a very worthwhile investment and it will offer shopkeepers great peace of mind. But it may still be worth getting someone to check on that chimney stack sometime...(read entire article)(posted on: 2010-08-26)
View : 464 Times

High Risk Car Insurance – For Individuals Who Have A Terrible Driving Record    By: Danieal
Individuals who apply for high risk car insurance are those who mostly have a terrible driving record.(read entire article)(posted on: 2010-08-26)
View : 233 Times

Dui Insurance – A Must Have For High Risk Drivers    By: Danieal
The DUI and high risk driver insurance policy is a must for every driver in current times because of the rise of car accidents occurring each day.(read entire article)(posted on: 2010-08-26)
View : 261 Times

Taxi Insurance – Some Basic Facts    By: But taxis are actually in far more danger than mos
But taxis are actually in far more danger than most other vehicles and there are two very good reasons for this. The first is the sheer amount of time that they spend on the road each day. For the most part, the majority of us will only use our car to make short, simple trips; from home to work, from home to a friend’s house or from the supermarket to the school. Of course, we may go on holiday once or twice a year, but this will still result in a far lower annual mileage than your average taxi driver. The other reason for a taxi being at greater risk is personal security. If you are picking up complete strangers all day long, then you are constantly putting yourself in danger. Of course, 99.9% of your passengers will simply want to pay the fare at the end of their journey, but there is always the chance of someone trying to snatch your takings... Obviously, when you take all of this into consideration, it is easy to understand why taxi insurance will often be more expensive than standard car cover! If you drive a cab for a living and are searching for a low cost policy, then it is always a good idea to begin your search on the Net. Looking for cheap online taxi insurance will normally be your cheapest option and it is also the easiest way of finding out the finer details. Many insurers will have well laid-out sites with plenty of information about each of their individual policies, allowing customer to find exactly what they are after both quickly and easily. The only other thing to bear in mind is that there may well be some exclusion’s attached to a policy for taxi cabs. However, this is by no means unusual as every type of insurance will have certain conditions written into the small print. These exclusions will obviously differ from one company to another, but some are pretty universal. Here are 3 of the most common ones you are likely to come across. If a driver has a serious criminal record then he/she will normally be refused cover on the ground of them being a danger to the public. A driver over 65 or less than 25 years of age will not be eligible for cover if they have any physical impairment. If a taxi firm has a history of frequent collisions then they will receive less financial protection. If they have an exceptionally bad record, then insurance may be refused point blank. Most people would say that these exclusions were fair enough. After all, an insurance company are not going to risk their reputation by agreeing to cover someone they see as being a danger on the road!(read entire article)(posted on: 2010-08-26)
View : 461 Times

Should You Have Income Or Mortgage Protection?    By: Gavin Smith
Should you have income or mortgage protection?(read entire article)(posted on: 2010-08-26)
View : 162 Times

Hmo-the Full Story    By: Norris Rios
Before choosing between a PPO and an HMO, make sure you understand the difference between these two policy types.(read entire article)(posted on: 2010-08-26)
View : 356 Times

Cobra Coverage Explained    By: Norris Rios
COBRA coverage is a great choice for some individuals, but not all.(read entire article)(posted on: 2010-08-26)
View : 360 Times

Page: << <    371  372  373 [374]  375  376    > >>