Travel Insurance - 10 Top Tips by Smith Chen
Insurance is one of those areas that is generally unavoidable; you'll need it in some form or another somewhere along the line. For the majority of us that just happens to be every day.
One area always in the spotlight one way or another is travel insurance. Yet many of us still aren't sure if it's something we really need and to this end, many of us travel without it every year. Here are 10 top tips to help you make the right decision.
1) It is a common myth that if you take the European health card (E111) with you when you travel, you will be covered for anything that goes wrong. This is not the case. The card is just there to be given to a hospital, etc, in an emergency so they will treat you (this is still a must have for this reason). You will still be billed for any treatment you receive in a private health care system. For this reason holiday insurance can be invaluable.
2) When applying for your insurance policy, you must inform the company of any/all medical conditions you suffer from, no matter how small or insignificant they seem. This could prove to be something that voids your policy if you do not. You will find this most probably increases your premium, but it is worth it to keep your policy valid.
3) When looking for cheap travel insurance, be careful to check you are not losing out on any coverage that you will need, such as theft, cancellation of holiday/flights. You may find that some polices really are too good to be true and cover you for the bare minimum.
4) If you are planning to go on a trip that may include activities that could be viewed to be dangerous by the insurance company, you may find you will not be covered under most policies. You will need to find a policy aimed at covering for such activities, i.e. a winter ski policy or adventure holiday insurance. If you are thinking of backpacking, you would similarly be best to look for a backpacker's policy.
5) The majority of companies offer single, multi trip, family and annual policies. If you are going to travel just once in a year as a single person or a couple, it will work out cheaper to apply for a single trip travel insurance policy. If however you will be travelling 2 or more times, a multi trip policy will save you money. The same applies to a family group, finding separate policies will be expensive, opt for a family policy and you will save money and most probably receive cover for children (under 18) free.
6) Always check excesses on the policy you choose, most policies are peppered with them and finding a policy with a better or no excess in an area you think relevant is prudent.
7) An important thing to remember in regards to item/theft insurance is; if you leave valuables unattended/ out of sight, you will not be protected.
8) An important "don't" is not to let your holiday provider package the holiday insurance for you as it will work out much more expensive in the long run. In less than a couple of minutes you can find a much cheaper quote on a comparison site. Research from Alliance and Leicester has shown UK holiday makers overspend by ฃ1.3 billion on travel insurance each year, for this very reason.
9) It is important to remember that the insurance company will not pay out for an accident caused whilst under the influence of alcohol or drugs.
10) Finally, in research done by the internet company Moneysupermarket.com it was found that you should ensure you have the following amounts of cover as minimum: Medical expenses 2m, personal liability 1m, cancellation 3,000, baggage 1,500, cash 250, a 24 hour emergency line and cover for legal costs and finally financial ombudsman service membership in case you need to complain.
Insurance and Roadside Assistance for Your Caravan Holiday
It is not until you break down that you realise just how much you really need insurance and roadside assistance. This is even more compounded when you are a long way from home on a holiday and you have no other way of getting anywhere or doing anything if your can or caravan has broken down.
You can not put a monetary price on your peace of mind. Insurance and roadside assistance provides that peace of mind when you are traveling so you can just enjoy your holiday.
Insurance
Before you take out your insurance, make sure you read and understand what is actually covered. Make sure it covers everything you need for the activities you have planned for your holiday and also covers the areas you intend to visit and stay. If you intend going off the beaten track, doubly make sure this is covered. Check out the "extras", including such items as a free car hire in the event of an accident and if this appeals to you it may be worth paying the little bit extra. Prices can vary quite significantly so shop around first.
Make sure your comprehensive insurance covers both your vehicle and caravan. The benefits are obvious: the loss of some personal items within a vehicle is covered, as is damage to the vehicle through theft, vandalism or accident. Perhaps the most important benefit is the peace of mind you will have knowing you are covered if you are unfortunate to need insurance.
Make sure you carry copies of your insurance policies with you when you are on the road.
Roadside Assistance
Many new motor vehicles are sold with a manufacturer's warranty that includes roadside assistance in the event of a breakdown. The warranty varies from one to three years or "X" number of kilometres, depending on the make and model of the vehicle. Check your policy carefully before you go. Make sure it covers the kind of travel you intend and the places you want to go. Details of your roadside assistance package, including contact numbers, are usually contained in the glove-box folder.
If you are not buying a new vehicle and not covered as above with your existing vehicle or you do not think the warranty offered is suitable, you should consider becoming a member of your State based motoring organisation. Similar to your insurance and roadside assistance, you will only fully realise the benefit of becoming a member if you break down and need them. The State based organisations all offer reciprocal breakdown assistance around Australia.
Different levels of membership are offered, so check out what is most suitable to you. If you are planning to more adventurous activities you may wish to go for the top level cover, which in most areas offers unlimited service calls and free towing. Motoring organisations also offer travel advice and sell maps, guide and car accessories. Once you have used their services, you may decide that the membership fee was the best money you ever spent.
About the Author
Smith Chen is an author and internet marketing consultant.Find more about dir directory and review page more
четверг, 4 октября 2007 г.
Motor Insurance in UK
Motor Insurance in UK by Honey
Getting an insurance cover is necessary for all driving a car in UK. Everyone has special needs, concerns and preferences and would choose different insurance policies to suit their needs.
There are many ways of going about to get an insurance policy suitable for you. Insurance policies do claim to cover anything and everything under the sun but a particular scheme would have a limited cover depending on your choice and the conditional premium charged.
Motor insurance claims are based on three basic categories. There is a comprehensive insurance cover which covers third party you may damage while using your vehicle, damage to your vehicle by fire, loss of vehicle due to theft. In addition to this a comprehensive cover will insure you against damage to your vehicle in case of an accident. Insurance premium for this category is the highest.
The second category is cover against third party, fire and theft. This is different from a comprehensive motor insurance policy in the sense that accidental damage to your vehicle is not covered in this case.
Third and cheapest option available for insurance in UK is an exclusive third party insurance. This is, incidentally, the minimum legal requirement for driving a vehicle in UK.
To get an insurance you can either get in touch with a broker who can help you pick the best insurance policy suited to your needs or you could get in touch with your closest insurance company directly. A smarter option will be to go to an online insurance marketing company finding the best insurance scheme after comparing rates offered. There are many attractive offers out there and you might get a lucrative deal just by logging on for motor insurance.
You could also try a few tips as you go for insurance to reduce your premium charges. Generally insurance companies include some details in a default format. You may define the number of people who will be driving the car instead of opting for 'anyone with your permission', though all may not like to go for this option. Also you may not buy a full European cover for your motor insurance if you are not going abroad to drive.
About the Author
Honey is a leading finance consultant. Here he brings some legal advice for anyone going for a motor insurance.
Getting an insurance cover is necessary for all driving a car in UK. Everyone has special needs, concerns and preferences and would choose different insurance policies to suit their needs.
There are many ways of going about to get an insurance policy suitable for you. Insurance policies do claim to cover anything and everything under the sun but a particular scheme would have a limited cover depending on your choice and the conditional premium charged.
Motor insurance claims are based on three basic categories. There is a comprehensive insurance cover which covers third party you may damage while using your vehicle, damage to your vehicle by fire, loss of vehicle due to theft. In addition to this a comprehensive cover will insure you against damage to your vehicle in case of an accident. Insurance premium for this category is the highest.
The second category is cover against third party, fire and theft. This is different from a comprehensive motor insurance policy in the sense that accidental damage to your vehicle is not covered in this case.
Third and cheapest option available for insurance in UK is an exclusive third party insurance. This is, incidentally, the minimum legal requirement for driving a vehicle in UK.
To get an insurance you can either get in touch with a broker who can help you pick the best insurance policy suited to your needs or you could get in touch with your closest insurance company directly. A smarter option will be to go to an online insurance marketing company finding the best insurance scheme after comparing rates offered. There are many attractive offers out there and you might get a lucrative deal just by logging on for motor insurance.
You could also try a few tips as you go for insurance to reduce your premium charges. Generally insurance companies include some details in a default format. You may define the number of people who will be driving the car instead of opting for 'anyone with your permission', though all may not like to go for this option. Also you may not buy a full European cover for your motor insurance if you are not going abroad to drive.
About the Author
Honey is a leading finance consultant. Here he brings some legal advice for anyone going for a motor insurance.
вторник, 2 октября 2007 г.
Universal Life Insurance Policy - A Different Choice
Universal Life Insurance Policy - A Different ChoiceBy Elizabeth Newberry
Choosing a life insurance policy isn’t an easy task. There are several policies to choose from, each with elements that we want and need. The two most popular kinds of life insurance policies are term life insurance policies and whole life insurance policies.If a term life insurance policy and a whole life insurance policy got married and had a child, the child would be a universal life insurance policy. Universal life insurance policies are a mix of term life insurance policies and whole life insurance policies. Just like all children do, universal life insurance policies have a few positive features and a few negative features of each parent, i.e., the term life insurance policy and the whole life insurance policy.Like a whole life insurance policy, a universal life insurance policy offers an investment component; however, universal life insurance policies are generally less expensive than whole life insurance policies. This is a good thing for those of us who want the cash value accruement of a whole life policy but can not afford to purchase one. It should be noted, however, that earning a cash value isn’t guaranteed. Coverage can even end if your account gets low enough.Like a term life insurance policy, a universal life insurance policy is usually not as expensive as a whole life insurance policy. However, even though an accumulation of cash value isn’t guaranteed with a universal life insurance policy, it is possible; it is not possible with a term life insurance policy.If certain aspects of both a term life insurance policy and a whole life insurance policy appeal to you, consider purchasing a universal life insurance policy. Don’t purchase any life insurance policy, including a universal life insurance policy, without first speaking with an agent of the life insurance company. Your universal life insurance agent will be able to construct the life insurance policy that meets both your wants and needs.
Visit our website to get a cheap student health insurance quote, get home insurance St. Louis, or get Georgia car insurance.
Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry
Choosing a life insurance policy isn’t an easy task. There are several policies to choose from, each with elements that we want and need. The two most popular kinds of life insurance policies are term life insurance policies and whole life insurance policies.If a term life insurance policy and a whole life insurance policy got married and had a child, the child would be a universal life insurance policy. Universal life insurance policies are a mix of term life insurance policies and whole life insurance policies. Just like all children do, universal life insurance policies have a few positive features and a few negative features of each parent, i.e., the term life insurance policy and the whole life insurance policy.Like a whole life insurance policy, a universal life insurance policy offers an investment component; however, universal life insurance policies are generally less expensive than whole life insurance policies. This is a good thing for those of us who want the cash value accruement of a whole life policy but can not afford to purchase one. It should be noted, however, that earning a cash value isn’t guaranteed. Coverage can even end if your account gets low enough.Like a term life insurance policy, a universal life insurance policy is usually not as expensive as a whole life insurance policy. However, even though an accumulation of cash value isn’t guaranteed with a universal life insurance policy, it is possible; it is not possible with a term life insurance policy.If certain aspects of both a term life insurance policy and a whole life insurance policy appeal to you, consider purchasing a universal life insurance policy. Don’t purchase any life insurance policy, including a universal life insurance policy, without first speaking with an agent of the life insurance company. Your universal life insurance agent will be able to construct the life insurance policy that meets both your wants and needs.
Visit our website to get a cheap student health insurance quote, get home insurance St. Louis, or get Georgia car insurance.
Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry
How To Survive A Car Crash
How To Survive A Car Crash by Dr. Rick Morris
You're stopped at the corner of Dunn and Bradstreet listening to your latest empowerment tape when, out of your rear-view mirror, you spot a Seville preparing to redesign the back of your car. Quick, what should you do?
Lawrence Nordhoff, Jr., D.C., accident reconstructionist and author of two texts on vehicle collisions makes the following suggestions for that split second when you see the car approaching:
1. "Tighten up and brace yourself holding on firmly to the ten o'clock and two o'clock position of the steering wheel."
The idea of remaining loose and relaxed is wrong! Contracted muscles protect the bones, discs, ligaments and nerves.
2. "Keep your wrists flat, not bent," to prevent wrist injuries such as carpal tunnel syndrome.
3. "Face forward, look straight ahead and sit squarely against the back of your seat." Never allow passengers to bend forward in airbag-equipped cars. If you are about to be rear-ended, press your head firmly against the headrest.
4. "When stopped, keep an eye on your rear view mirror." You have a better chance of not being injured if you're aware of the oncoming collision.
According to Dr. Nordhoff, the average person will be in a car collision once every ten years. Practice these four points upon entering your car will make them "instinctual" when the situation arises. Before the "big day" there are a few things to keep in mind.
1. "Buy Big! Size counts!"
Gas economy is great for our environment and small cars look cute, but when you're watching an S.U.V. drive into the back of your Hyundai, you'll wish you had a Suburban.
2. Sit at least 6" from the steering wheel to avoid serious injury caused by the airbag crushing into your chest. If you're too short, get pedal extenders.
3. The headrest must contact the area just above your ears. Most are set too low and act as karate chop when you're struck from behind.
4. Never place the shoulder harness behind your back. This puts the stress on the lap belt causing spinal cord injuries. If you're large breasted, use a shoulder strap cushion such as lambs wool. 5. Put a cushion on the glass in old pick-up trucks whose rear window acts as the head restraint.
6. Changed seatbelts every 10 years and after major car accidents.
7. Service and check the ABS (antilock braking system) every time you change your pads (must be requested).
8. Do not pump your ABS! This can cause your car to flip over. Just hold the brakes to the floor. It will naturally grab, grind and feel jerky but it is supposed to do this. Practice the feel of abrupt braking in a vacant lot.
9. Carry high "med pay" coverage (minimum $25,000). It's fairly inexpensive and will free you from having to sue your insurance company to have your treatment covered.
Accidents are nearly inevitable so share this information. It may lead to a more "pleasant" accident experience.
When you're injured, ALWAYS have yourself evaluated at my office so that your alignment can be returned to a healthy and normal function--not just temporarily pain-free. Often the effects of an accident don't fully reveal themselves for months and sometimes years later (when the degenerative changes develop). We make certain to check for their signs and usually prevent them from developing.
About the Author
Dr. Rick Morris is the founder of the The Morris Spinal Stenosis and Disc Center in Santa Monica, Ca. You can read more of his health articles or contact him at his website and find out about his non-surgical treatment of low back pain disorders
You're stopped at the corner of Dunn and Bradstreet listening to your latest empowerment tape when, out of your rear-view mirror, you spot a Seville preparing to redesign the back of your car. Quick, what should you do?
Lawrence Nordhoff, Jr., D.C., accident reconstructionist and author of two texts on vehicle collisions makes the following suggestions for that split second when you see the car approaching:
1. "Tighten up and brace yourself holding on firmly to the ten o'clock and two o'clock position of the steering wheel."
The idea of remaining loose and relaxed is wrong! Contracted muscles protect the bones, discs, ligaments and nerves.
2. "Keep your wrists flat, not bent," to prevent wrist injuries such as carpal tunnel syndrome.
3. "Face forward, look straight ahead and sit squarely against the back of your seat." Never allow passengers to bend forward in airbag-equipped cars. If you are about to be rear-ended, press your head firmly against the headrest.
4. "When stopped, keep an eye on your rear view mirror." You have a better chance of not being injured if you're aware of the oncoming collision.
According to Dr. Nordhoff, the average person will be in a car collision once every ten years. Practice these four points upon entering your car will make them "instinctual" when the situation arises. Before the "big day" there are a few things to keep in mind.
1. "Buy Big! Size counts!"
Gas economy is great for our environment and small cars look cute, but when you're watching an S.U.V. drive into the back of your Hyundai, you'll wish you had a Suburban.
2. Sit at least 6" from the steering wheel to avoid serious injury caused by the airbag crushing into your chest. If you're too short, get pedal extenders.
3. The headrest must contact the area just above your ears. Most are set too low and act as karate chop when you're struck from behind.
4. Never place the shoulder harness behind your back. This puts the stress on the lap belt causing spinal cord injuries. If you're large breasted, use a shoulder strap cushion such as lambs wool. 5. Put a cushion on the glass in old pick-up trucks whose rear window acts as the head restraint.
6. Changed seatbelts every 10 years and after major car accidents.
7. Service and check the ABS (antilock braking system) every time you change your pads (must be requested).
8. Do not pump your ABS! This can cause your car to flip over. Just hold the brakes to the floor. It will naturally grab, grind and feel jerky but it is supposed to do this. Practice the feel of abrupt braking in a vacant lot.
9. Carry high "med pay" coverage (minimum $25,000). It's fairly inexpensive and will free you from having to sue your insurance company to have your treatment covered.
Accidents are nearly inevitable so share this information. It may lead to a more "pleasant" accident experience.
When you're injured, ALWAYS have yourself evaluated at my office so that your alignment can be returned to a healthy and normal function--not just temporarily pain-free. Often the effects of an accident don't fully reveal themselves for months and sometimes years later (when the degenerative changes develop). We make certain to check for their signs and usually prevent them from developing.
About the Author
Dr. Rick Morris is the founder of the The Morris Spinal Stenosis and Disc Center in Santa Monica, Ca. You can read more of his health articles or contact him at his website and find out about his non-surgical treatment of low back pain disorders
Auto Insurance Online - The Most Convenient Way to Buy Auto Insurance
Auto Insurance Online - The Most Convenient Way to Buy Auto InsuranceBy Cesar Diaz
As the internet gains popularity, more people are gaining the confidence of using the internet to make important financial decisions such as purchasing auto insurance online. The internet gives us tools and resources that in the past, we did not have instant access to. The internet allows you to instantly access important information such as company background, legality, feedback and any there information you desire. At our fingertips, the internet allows us to make more financial decisions online than ever before because we have more information than we've ever had instant access to .
The. In 1999, auto insurance agencies were limited to looking up contact information online; now, the amount of online interaction with the client has dramatically increased. Based on the pace that online auto insurance has progressed, experts foresee the future of auto insurance dominantly online.
Because of the convenience, consumers will increasingly realize all the benefits buying auto insurance online carries. In regards to buying auto insurance online instead of buying auto insurance the traditional way, not only does the internet allow us to:
* Make Auto Insurance Policy Changes Online
* View your Payment History
* Inquire on Billing History
* Submit Questions Instantly
* Request Online Auto Insurance Quotes
* Buy Auto Insurance Online
* Make Auto Insurance Claims Online
Managing your auto insurance will make your life easier. Imagine getting home to your computer and managing your bank account , paying your bills online, managing your auto insurance online, and booking your favorite restaurant for dinner. Well, you can say the future is here. Today you can manage most of your accounts online, including your auto insurance.
There are many websites out there that offer online auto insurance. Be sure to look into the background of a website before purchasing auto insurance online. Make sure the company is properly licensed.
This article was written by the authors of OnlineAutoInsurance.com. With one simple process, you can compare online auto insurance quotes from companies like Progressive, GMAC, Infinity, AIG and more.
Want to see a funny auto insurance commercial? funny auto insurance commercial
Article Source: http://EzineArticles.com/?expert=Cesar_Diaz
As the internet gains popularity, more people are gaining the confidence of using the internet to make important financial decisions such as purchasing auto insurance online. The internet gives us tools and resources that in the past, we did not have instant access to. The internet allows you to instantly access important information such as company background, legality, feedback and any there information you desire. At our fingertips, the internet allows us to make more financial decisions online than ever before because we have more information than we've ever had instant access to .
The. In 1999, auto insurance agencies were limited to looking up contact information online; now, the amount of online interaction with the client has dramatically increased. Based on the pace that online auto insurance has progressed, experts foresee the future of auto insurance dominantly online.
Because of the convenience, consumers will increasingly realize all the benefits buying auto insurance online carries. In regards to buying auto insurance online instead of buying auto insurance the traditional way, not only does the internet allow us to:
* Make Auto Insurance Policy Changes Online
* View your Payment History
* Inquire on Billing History
* Submit Questions Instantly
* Request Online Auto Insurance Quotes
* Buy Auto Insurance Online
* Make Auto Insurance Claims Online
Managing your auto insurance will make your life easier. Imagine getting home to your computer and managing your bank account , paying your bills online, managing your auto insurance online, and booking your favorite restaurant for dinner. Well, you can say the future is here. Today you can manage most of your accounts online, including your auto insurance.
There are many websites out there that offer online auto insurance. Be sure to look into the background of a website before purchasing auto insurance online. Make sure the company is properly licensed.
This article was written by the authors of OnlineAutoInsurance.com. With one simple process, you can compare online auto insurance quotes from companies like Progressive, GMAC, Infinity, AIG and more.
Want to see a funny auto insurance commercial? funny auto insurance commercial
Article Source: http://EzineArticles.com/?expert=Cesar_Diaz
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