Why is Taxi Insurance essential?

Why is Taxi Insurance essential?
By: Falcon Insurance
| Posted: Jul 19, 2011

Well, it's the law that each vehicle that is intended for hire and reward needs to have satisfactory and suitable taxi cab insurance coverage as defined by the Road Traffic Act of 1988. The standard type of vehicle insurance coverage doesn't protect you and your travellers as a business.

Regardless of whether as a full time taxi cab or part time mini cab, you'll need taxi insurance coverage. Taxis need to be covered for any accident or even passenger injuries they suffer in the course of your duties as well as their property as well as third party property. Taxis have to be covered for the "carriage of persons for hire or reward".

Public and Private Hire Taxi Insurance

There are quite simply TWO kinds of taxi insurance policies – ‘public hire', which is usually associated with black cabs, which permit customers to ‘hail the cab' and be picked up anyplace, and ‘private hire' which requires just about all journeys to be pre-arranged with a taxi cab booking office.

This is where you initially telephone to make your booking, then the taxi cab office will arrange with their available drivers to collect an individual from your home or predetermined pick up place.

For more information please see our Public Hire Taxi Insurance and Private Hire Taxi Insurance pages.

What exactly does Falcon Insurance Taxi Insurance cover?

Like traditional car insurance coverage, taxi insurance is available in 3 levels: Third party, third party fire & theft, and comprehensive.

Third party taxi insurance is the basic entry level and, whilst protecting your passengers, it does not cover your actual vehicle if it is stolen, catches fire, you cause damage to it or it is involved in an accident. Only your passengers are protected, and your vehicle cost of repair or replacement will be down to you.

Third party fire & theft is the same with the added benefits of covering your vehicle for fire damage and for theft. Comprehensive taxi insurance is the best and the most expensive, but it does mean your vehicle is covered for all accidents for damage repair and for replacement, no matter whose fault the accident was.

Like all policies, Taxi Insurance has an initial excess amount that is your financial responsibility to pay for in the event of a claim. There may also be stringent restrictions as to who can drive your vehicle and, to keep the costs lower, it is cheaper to keep just you as the named driver. Taxi insurance carriers will usually only provide taxi insurance cover to the proposer and not extend cover to spouse or even partners. Should they drive your vehicle they'll simply be covered as a regular non taxi driver and mustn't pick up passengers? The cover may also revert to third party only basic insurance, but in numerous instances the vehicle will not be covered at all and anyone else driving your vehicle is going to be driving illegally, so you should speak with the insurance provider about this.

Taxi Insurance coverage is certainly more costly than traditional insurance and, on average, it is certainly much more than £1000 a year for 3rd party fire & theft private hire insurance and more than £2000 for comprehensive taxi insurance.

When arranging taxi insurance coverage you need to check all questions and look out for things such as high excess amounts, driver restrictions and windscreen cover. It's quite common that taxi insurance won't cover your vehicle for theft if you leave your keys in the vehicle, so you should always lock up even if you go to the petrol station to fill up.

A worthwhile addition is legal protection insurance to your taxi insurance, which will provide you with legal advice and representation in the event of a litigation claim and also help you to recover your uninsured losses if you have an accident which is not your fault. You could also consider purchasing discounted breakdown insurance together with your taxi insurance, which could get you back on the road quicker so that you can resume making money.

For more information regarding our Taxi Insurance services please see our main

Falcon Insurance site.

About the Author

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http://www.articlesbase.com/insurance-articles/why-is-taxi-insurance-essential-5041382.html

Why Do You Need Insurance?

Why Do You Need Insurance?
By: Runright Insurance
| Posted: Feb 26, 2010

You've worked most of your life to give your family a comfortable house to live in. You want your children to live happily and contented with the business that you've built through the years. Yet accidents do happen. When it does happen, the first question will be, are you protected to ensure that what you've built through the years won't easily be blown with the wind? If your answer is yes, then congratulations! Yet then again, what if you're not protected to ensure everything that you've worked for including yourself? You need to think it over. Remember, even the most careful person needs insurance. They can't prevent accidents from ever happening. Although, having insurance is not a substitute for risk management, yet it's designed to help you absorb any responsibility that may occur.

Hopefully as you read on, this article will let you realize the importance of having insurance. Not just for your protection, yet for the protection of your loved ones and the dream that you've built. If you do have insurance and you're tempted to put it off, don't. Insurance helps you pay for everyday expenses and provides you a back-up in case of serious illness.

First, what is insurance? Insurance, according to the dictionary, is a promise of reimbursement in the case of loss or is an amount paid to people or companies after a disaster or accident. In short, insurance is a policy designed to make sure that you are no worse off after an accident or disaster than you were before it happened. Insurance is designed to protect you and your family from unforeseen disasters and financial burdens. Insurance comes in all shapes and sizes. It runs the extent from personal insurance to corporate umbrella liability plans, as well as auto and homeowner's insurance plans. Knowing what types of insurance you need is also important to make sure that you don't overspend on things that are unnecessary.

There are different types or kinds of insurance for every type of situation. Here are some important types of insurance: Disability insurance, life, health, long term care insurance, auto, homeowner's insurance and liability insurance. Consider your needs and what you need to protect. These are the most common types that anyone may need in case something happens to your property, to your loved ones and most specially to you.

Disability insurance. Did you know that a person like you is more likely to be disabled for sometime before you die in case of a serious accident? Ask yourself, if you become disabled, how can you cover your expenses? How will you be able to save for your retirement? Since majority of disabilities are health related, can you afford the risk of being without earnings and having increased healthcare expenses? If you are someone whose income is required to maintain your lifestyle, then protect your income by purchasing this type of insurance as this is a vital risk management strategy for all wage earners.

There are 2 types of disability: short-term and long term. Short term coverage will provide income replacement protection, usually after one week of disability, and will pay up to six months. Long term, on the other hand, is the type of disability that starts generally at the six-month mark and continues until age 65. 24.5% of American household no longer have health insurance when they lost or changed their jobs.  The sad part about health insurance is that if you can't afford to pay the premium, you definitely won't be able to afford bearing the risk yourself. If you contract an illness while being uninsured, you may not be able to buy insurance later because you will have a pre-existing condition or would likely end up paying more than what you should.Health insurance.

Almost one out of five Americans has no health insurance. Most of these people state that cost is the reason. Life insurance. On most occasions, life insurance protects your surviving family in the event of your death.

This type of insurance offers protection to the family you leave behind and serves as a cash resource to deal with money owed, payment of mortgages, and other living expenses. Also, life insurance can have a savings or pension component that provides for you during your retirement. It also protects your hard earned possessions by providing tax free cash which can be used to pay estate and death duties and to tide over business and personal expenses. In case of bankruptcy, the cash value as well as death benefits of an insurance policy is exempt from creditors, if any.

Auto insurance. Imagine you were to be involved in a car accident with another car and was found out that it was your fault, you need to pay for all the damage done would you be able to pay for repair or replacement of the other car and pay for the medical bills of the other driver and their passengers? Owning a vehicle and letting it out of the garage would definitely mean you should have auto insurance. Depends what state you're located and the brand and make and model of your vehicle as well as your age, would depend on the amount of premium that you need to pay.

Having insurance is important to good financial planning and security, yet you need to assess your personal risk and long term commitments. Insurance gives a person a heads up throughout life and can be used in cases of emergencies during a life time by requesting a withdrawal or loan. If you are still having second thoughts of getting insurance, you may want to think again. Having insurance is an investment, you'll say you don't need it so why pay for something you don't need? Remember there is always something that you need yet you can't see - protection and knowing it's just there when you need it.

Homeowner's insurance. Having a beautiful home and furnishing it doesn't stop there. If you have a home and you have a mortgage, you must have homeowner's insurance protection. First, your mortgage company would require you to have it and second, even if you own you home outright, you still need to have homeowner's insurance to replace or fix the things that are too expensive or impossible to pay for yourself.

About the Author

Fred Williams
RunRight Insurance
www.RunRightInsurance.com
(888)RUN-1120
runright@att.net

Source:
http://www.articlesbase.com/insurance-articles/why-do-you-need-insurance-1912970.html

What is Wichita Insurance and Why Do We Need It?

What is Wichita Insurance and Why Do We Need It?
By: Wichita Insurance
| Posted: Oct 07, 2010

1. Intro

Prior to I introduce this month's insurance plan subject, I need to level out a bit of irony that took area at the end of last 30 days. Following composing an article about what to do in the event of a winter car accident, I discovered myself slipping on ice, heading sluggish-motion towards one more automobile at an intersection. I was driving at the proper velocity for the situations. At times nonetheless, activities are just out of your management. As I slid little by little toward the other vehicle that day, I was glad of two issues, I was sliding Little by little and that the two I and the other driver have been safeguarded against the monetary reduction that was rather actually coming our way. We've all been there; composing the monthly examine for the automobile or household insurance coverage, considering to by yourself, why do I have to shell out cash to a firm for the promise that they'll spend out when I will need it. That day, I was happy I acquired it, but relaxation assured there are many days I don't experience people identical emotions. My purpose in this month's write-up is to present you with fundamental differences between the primary types of insurance policy and some causes for its existence.

2. What is Wichita Insurance?

Place basically, "Insurance" is the payment of a tiny predictable quantity of cash ("premium") to defend in opposition to a bigger unpredictable expense ("damage/claim").This transfers the danger from you to the insurance policy company for a fee. This protection comes in several techniques.

Legal responsibility Insurance policy:

Everybody talks about our "litigious society". We all know folks who are sue-content. You could say that liability protection is for other people. Legal responsibility insurance coverage is the defense afforded to you by the insurance plan business, telling you that they'll compensate the volume you turn out to be legally obligated to compensate. Sometimes this could imply a court situation but far more often the problem is "settled" for you by the insurance plan business. Envision that your houseguest trips and falls on the ice on your walkway, and blames you for not placing out sand or salt. Your insurance business responds by paying for her healthcare charges, lost wages and possibly pain and suffering simply because of the accident.

House Insurance:

This type of insurance coverage safety is a lot more tangible than legal responsibility. House insurance coverage protects physical things against injury or damage of use. Most policies will contain and exclude particular sorts of activities, referred to as "perils". For instance Battle is excluded on almost every policy; which is why on 9/11, when President Bush declared warfare, he simultaneously voided coverage for all of reduce Manhattan. Fire on the other hand is included on nearly every insurance coverage policy due to the fact fire insurance plan is historically in which house insurance has its roots.

Expert Insurance coverage:

You can think of this type of insurance plan as liability insurance coverage for certain professions. Health professionals, Attorneys and Engineers have to have this sort of insurance policy in situation they make a negative choice or give poor suggestions. This type of insurance coverage is costly, particularly in areas like the health-related area in which experts are creating judgment calls numerous occasions a working day.

3. Why Do We Require Insurance plan?

Numerous of us have never ever experienced to make a claim on our insurance plan. As a result when we carry on to write the examine calendar month after calendar month, we experience as if we are pouring cash proper down the drain. Even although you've in no way experienced to make a claim on your insurance coverage, there is a excellent cause that its there. Naturally insurance is there to shield your self and your funding, but let's face it; numerous of us wouldn't bother with insurance coverage if it wasn't essential by law or the lender.

Not only does insurance plan shield you and people all around you, it is an unsung hero of America's economic achievement. Assume about it for a 2nd, who else has a stake in defending your house; if you lease your car or home loan your property, then the financial institution does. They want to make certain that their investment is guarded. Banks wouldn't want to lend out cash except they knew that there was a actually excellent likelihood that they'll get their cash back again. Consequently, insurance plan provides defense for the customer lending process which is the backbone of the American economic system. You may say that insurance plan greases the wheels enterprise.

About the Author

John Guthery has the best rated Insurance <a href="http://www.wichitasInsurance.com" target="_blank">Directory</a>in Wichita, KS.  Wichita Insurance is the only directory for finding help with your <a href="http://www.wichitasInsurance.com" target="_blank">Insurance issues.</a></p><br />

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What Is Property Insurance?

What Is Property Insurance?
By: Runright Insurance
| Posted: Feb 26, 2010

They say when it rains it pours. Accidents happen when you least expected it. A fire breaks out and you lose precious inventory. A hurricane sends a tree smashing down into your office; your business gets robbed. For you to be able to claim for these mishaps, you need property insurance.

Property insurance protects your business against any physical damage to, or loss of your assets. Assets also include the area in which the business runs and the property furnished there. In disasters like, fire, theft, explosion or vandalism, having property insurance help you recover your loss – whether it's to repair damaged property or replace what you've lost.

Every business owner must have property insurance to protect his assets. Although business property insurance isn't required by law, it's a very wise investment to limit your obligation in the event of a natural disaster or other calamity. Without it, it may cripple your business financially. Most business property insurance are tailored fit to the business and can cover a variety of losses, including damage from fires, electrical surges, or even theft by an employee.

Business owners can purchase additional types of coverage depending on their need. For example, a business in the mid west or in the east coast may want to purchase coverage for snow, sleet damage or ice. On the other hand, businesses in the west coast may consider an earthquake-insurance policy for them.

Property insurance can be insured in 2 ways namely: open perils and named perils. Open perils covers all the causes of loss not specifically excluded in the policy. Common types include damage resulting to earthquakes, floods, nuclear incidents, acts of terrorism and war. Named perils on the other hand, require the actual cause of loss to be listed in the policy for you to be able to claim insurance. These are the examples of named perils: damage causing events like fire, lightning, explosion and theft.

In addition, there are 2 lines of property insurance: commercial and personal lines. Commercial lines covers the following: automobiles, business owners (property and liability combined for smaller commercial customers), capital assets, crime and fidelity, electronic commerce, employment-related practices liability, equipment breakdown (known as boiler and machinery), farm, financial institutions, general liability, inland marine, management protection, market segments, medical-professional liability, package policies, property, umbrella, and workers compensation.

On the other hand, personal lines cover the following: automobile, dwelling property, homeowners (property and liability combined), inland marine (diverse personal goods), personal liability (including personal umbrella).

Tenants can also buy property insurance. Commercial and industrial tenants also purchase insurance so that in the event that their inventories are damaged, they can replace them. Since businesses can have large amounts of capital tied up in inventory and equipment, such damage could be disastrous without insurance to cover them.  Residential renters can also benefit from property insurance, even many are uninsured. Renters are sometimes overwhelmed to learn how much it will cost to replace their possessions after a flood or fire without insurance to cover their loss.

While many businesses purchase their property insurance policy through a business owner's policy (BOP), these bundles property and liability insurance into just one policy. However, since the amount of coverage available in a BOP is generally lower than in a standard property insurance policy, companies usually require a lot of coverage that stick with a separate policy. Business interruption insurance and extra-expense insurance are 2 types of optional coverage in a property insurance policy that protects your business after a loss occurs. Business interruption insurance provides payments for expenses such as salaries, taxes and debts, as well as any loss of profit due to the interruption of business.

Extra expense insurance, on the other hand, pays the costs of temporarily relocating a business when a covered peril occurs. For example, if a fire destroys a shoe store, extra-expense insurance will pay for the business to resume operations and cover such expenses as buying or leasing equipment, buying new merchandise and informing customers about changes that have occurred.

Knowing you have to back up in times of emergencies or disaster situations is important for any property owner, whether it's business or personal property. Everyone has the right to be insured.

About the Author

Fred Williams
RunRight Insurance
www.RunRightInsurance.com
(888)RUN-1120
runright@att.net

Source:
http://www.articlesbase.com/insurance-articles/what-is-property-insurance-1913597.html

What Is Commercial Insurance?

What Is Commercial Insurance?
By: Runright Insurance
| Posted: Mar 05, 2010

Are you new in business? Or perhaps have been running it for years? Whether it's a new one or already existing, you need to make sure you know how to protect it. If accidents happen, are you ready? Are you protected?

Commercial insurance is an important protection from theft, property damage and liability. It is your protection against large out-of-pocket expenses. It also provides coverage for business interruption and employee injuries.

There are a lot of types of insurance yet here are the most popular ones: Property insurance, general liability and worker's compensation. Get to know more about these common types to ensure that the business you've started to grow will be protected.

Property insurance pays for losses or damages to real or personal property. It protects against physical damage or loss in the case of theft or other catastrophes. An example, property insurance would cover fire damage to your office space or business. It would also cover damage as a result from earthquakes floods or demolition.

Although it is not limited to these damages, you can also get additional coverage that would suit your growing business needs. These are additional coverage for your business property: Boiler and machinery insurance, debris removal insurance, builders risk insurance, glass insurance, business interruption coverage, ordinance or law insurance, tenant's coverage, crime insurance and fidelity bonds.

Boiler and Machinery insurance is also known as equipment breakdown or mechanical breakdown coverage. It provides coverage for the accidental breakdown boilers, machinery and equipment. With this kind of coverage you can get reimbursed for property damage and business interruption losses.

Debris removal insurance is exactly what you think it is. It covers for the cost of removing the debris after a fire, flood, earthquake or windstorm. Your regular property insurance may cover for the costs of the rebuilding, but not for the removal of the debris.

Builders risk insurance will cover buildings while it's on the construction phase. Glass insurance would cover broken store windows and plate glass windows.

Business interruption coverage covers losses that result from property damage or loss. This insurance would pay for salaries, taxes, rents and net profits that would have been earned during the time it was closed.

Ordinance or Law insurance covers any demolition and rebuilding costs if your business comes into violation of code when your building (about 50%) has been destroyed. Tenant's coverage would cover negligence on the part of your employees on your property.

Crime insurance on the other hand, would cover theft, burglary and robbery of money, securities, stocks and fixtures from employees and outsiders. Fidelity bonds would cover losses due to an employee's theft of business property and money.

We also have liability insurance. This covers injuries that you cause to third parties. If somebody sues you for personal injury or property damage, this type of insurance will cover you for the cost of defending and resolving the suit that may arise.

There are 4 specialized kinds of liability insurance. They are as follows: Errors and omissions insurance, malpractice insurance or professional liability insurance, automobile insurance and directors and officers' liability insurance.

Errors and omissions insurance is covered when the act is an accidental error and not just because of poor judgment or intentional acts. Malpractice insurance is commonly known as professional liability insurance, will pay for losses resulting from injuries to third parties when a professional's treatment falls below the profession's standard of care.

Commercial automobile insurance covers the cars, vans, trucks and trailers u [removed][removed] sed in your business. This covers damage, theft or if the driver injures a person or damages a property. Directors and officers liability coverage covers any lawsuit against the directors and officers of a company.

Lastly, there is the workers' compensation insurance. This covers you for your employees on the job accidents or even death. Some state laws require businesses with employees to carry some type of workers' compensation insurance. Most of the time, workers comp prohibit the employee from bring a negligence lawsuit against an employer for work-related injuries.

If you would like to take care of your business, make sure that you are covered. Whether its property, general liability or workers compensation insurance. Business and commercial insurance go hand in hand as this is a necessary investment for you and your company. It is also important to know the insurance agent or broker that you can depend on when these trying times arise. Just like any business transaction, buying commercial insurance should be done with care. Check the insurance company or broker if they're registered with the Better Business Bureau. If they're graded A+, the better you can rely on them.

About the Author

Fred Williams
RunRight Insurance
www.RunRightInsurance.com
(888)RUN-1120
runright@att.net

Source:
http://www.articlesbase.com/insurance-articles/what-is-commercial-insurance-1944138.html

Understand the dangerous risks inherent in insurance

Understand the dangerous risks inherent in insurance:
By: Insurance Quotes South Africa
| Posted: Dec 14, 2010

There are a number of very important concepts that you must understand when purchasing insurance. If these aspects of insurance are ignored, YOU will not simply be wasting your money; you will be exposing yourself to even greater risk.

First and foremost, the greatest danger by far is not taking out any insurance at all.

The rule of thumb is that if you can easily afford to replace an item of property, then insurance is unnecessary. It is however where the cost of replacing a property item such as a motor vehicle is massive, that insurance becomes critical for most consumers.

Insurance is primarily a risk sharing contractual relationship between the insurer and the insured. The insurance relationship assumes that the contractual partners manage the risk by taking all reasonable precautions to protect the insured property against loss.

For example, if you don't keep your motor vehicle in good repair, such as having worn tires, the insurer will be entitled to refute a claim on the basis that you contributed to the loss in the event of a car accident. Another example would be having an accident while driving under the influence of alcohol or drugs.

The next problem is when consumers do not insure their property adequately and end up being under-insured.

The danger here is that at claim time when the value that is insured is less than the value of the loss experienced. Should you be found to be under-insured, the insurer will apply a formula that will reduce the amount paid out in the case of a claim by the percentage that you are underinsured.

There are many ways to save money on insurance premiums without cutting corners. The few cents you save today could cost you thousands of Rands in the future.

Another aspect of your insurance policy is the amount of risk you carry in terms of the excess payable in the event of a claim. The greater the excess, the more risk you carry.

Another common problem is not checking that your policy premium has been paid. The fact that the debit did not go through at the end of the month on your bank account, because of some unrelated reason, is not the problem of the insurer, it is YOUR problem. Although a short grace period is normal, most policies will lapse after this grace period and insurers will decline to pay claims filed after this.

Another issue is the timeframe you have in which to file claims. Most insurance policies insist that claims are filed very soon after an accident or loss, at least within a month. For example, in some cases such as with insurance on heavy haulage trucks, the claim has to be filed within 24-48 hours. This is so that the insurer can attempt to minimize the loss by instituting own recovery processes and deploying recovery experts.

A neglected aspect is the fact that most insurance claims require that you report a loss in the event of criminal acts to the police. Without a police report, most insurers will not pay out.

And talking of criminal acts, don't dare make the mistake of lodging a fraudulent claim, you will be found out.

Insurers are very experienced in investigating insurance claims and sifting out the legitimate from the fraud. Not only will you end up with a criminal record, your ability to purchase insurance in future will be severely restricted if not impossible.

Don't make the mistake of not understanding the terms of your policy. Although, you should insist on the terms and conditions being explained to you, the insurer has no further obligation in this regard. And you must understand the policy before signing on the dotted line.

Incredibly important here are terms that people often overlook. An example is when the policy requires a burglar alarm in working order and switched on. Neglecting these conditions would make for an extremely unpleasant surprise in the event of an insurance claim. Make sure that you comply with all the conditions of your insurance policy.

A regular review of your insurance is essential. This is very important if you are making changes to your lifestyle such as buying a new home, moving home, changing careers or getting divorced.

Couples staying together will need to make sure their joint assets are properly insured.

Ask in whose name the insurance policy has been issued? Whether people are cohabiting or sharing a house, it is important that the policy is issued in the joint names of the partners, or at least that the interest of the partners is acknowledged on the policy document. This must not be confused with the standard contract wordings whereby most family members are included on the insured's policy, because this assumes a marriage contract or a civil union.

When it comes to the issue of underinsurance a partner's additional contents in the household will obviously increase the joint value of the assets significantly. The sums insured on the policy must be adjusted to avoid reducing claims payments due to underinsurance.

Consider the question of 'insurable interest'. This may have implications in the event of an insurance claim, even if the level of cover is adequate. Establish and agree on the extent of the insurance company's liability.

Consumers should take cognizance of any possible increase in risk created by the arrival of additional household contents; examples include expensive jewellery, firearms, or artworks.

Many of the above issues and more may be affected by the principles of disclosure. It is the duty of the insured to disclose material information to the insurance underwriter to allow the risk to be assessed correctly.

"While insurers are generally relaxed in issuing policies in joint names, it remains the duty of the client to disclose this change in the risk profile, and to ensure cover is increased adequately.

Many of the above problems could be avoided if full honest disclosure is made from the beginning.

Many negative perceptions about insurance stem from disappointments at claim stage, because consumers were less than candid about their insurance requirements with their broker.

Sure there are instances where brokers and insurers can be held liable for not acting professionally and fairly, and we are lucky to have consumer protection institutions in South Africa such as the FAIS and Short Term Ombudsmen, but non-disclosure of material facts that could influence the purchase of the insurance product are the main reason why insurers do refute claims.

Not insured, or not sure if you are insured correctly? Then get an insurance quote now.

 About the Author

Source:
http://www.articlesbase.com/insurance-articles/understand-the-dangerous-risks-inherent-in-insurance-3844926.html

Tips for California Auto Insurance drivers

Tips for California Auto Insurance drivers:
By: California Auto Insurance
| Posted: Sep 09, 2010

The state of California requires all car owners to have auto insurance for licensing, registration and operating a vehicle. Purchasing auto insurance with adequate coverage at the lowest price can be difficult.

With many preferred insurance carriers, California Auto Insurance searches and gets quotes for each consumer because the types of freight companies can be very difficult to deal with on your own. Insurance rates are based on the experience of past losses and expenses. These can be very different for each insurance company, even within a given town, city or metropolitan area. To make insurance shopping an easier experience fill out some basic information on a single form to get car insurance quotes from multiple agents instead of one carrier. The right California Auto Insurance agents can help you get the best coverage at the best price. So take some time to shop before you buy. You can save money and get better coverages by finding the right agent.

The required auto insurance coverage in California includes:

•Bodily injury coverage with a minimum of $ 15,000 for an individual and $ 30,000 for all persons in any accident.
•Property damage liability with a minimum of $ 5,000. This pays for damage to property of others.
Shop Around for Auto Insurance. You may not realize it, but the insurance rates you pay for on your car can vary greatly depend on the company that you choose. You should always compare before deciding on a policy. California also has what's known as the California Low Cost Auto Insurance Program. This program helps reduce the number of uninsured drivers on the road, providing low-income good drivers with affordable auto insurance options. Qualifications are based on household income, good driving record and the value of the vehicle at the time of purchase. Here are some examples of what determines the cost of your auto insurance premium.

•Type of vehicle - car insurance is more expensive for newer cars, because it costs more to repair or replace. Car insurance varies from car to car, so before buying or leasing a new vehicle, check to see how much the car insurance will cost.
•Use - The more miles you drive, the more your insurance will cost.
•Deductibles - You can increase your deductible to reduce your auto insurance costs, but make sure it is financially viable and the right decision.
•Driving record - Many companies offer discounts on auto insurance for consumers without accidents and violations. Drive safely and pay less on your auto insurance.
•Multi-Policy Discount - Some insurance companies offer a discount to consumers who purchase both auto insurance and home insurance from them. This also makes it easier for you to have one insurance agent to work with.
•Group Discount- Some companies have discounts available if you are a part of a specific group- for example, the employer, association, occupation, etc. Be sure to ask your California Auto Insurance agent about group discounts.
•Good student – Teenage drivers on your policy can increase your auto insurance rates. If the teen is a good student, most companies offer a discount on your auto insurance.
•Restraint systems and anti-theft devices - Many companies offer a discount on your auto insurance if your car is equipped with safety devices, such as certain anti-lock brakes, air bags, anti-theft and / or vehicle recovery systems.
About the Author

We at California Auto Insurance are providing excellent service, coverage and prices for all your insurance needs. We are dedicated insurance experts in all lines of insurance products. We have over 10 years of insurance experience and provide excellent protection from the nation's top carriers.

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http://www.articlesbase.com/finance-articles/tips-for-california-auto-insurance-drivers-3238066.html

Texas Home Insurance Renewal Premiums Are On The Rise

Texas Home Insurance Renewal Premiums Are On The Rise:
By: Jackson Insurance Services
| Posted: Aug 13, 2010

Are you getting sick of your Texas home insurance premium increasing with no idea why?

This article explains some of the factors that can affect your homeowners insurance in Texas.

There is going to be a surprise waiting for you in your mailbox and it is not the kind of surprise that you are going to like. Texas home insurance premiums are going up this year at a pace I have not seen for more than 20 years!

Not every one is going to get hit with big rate increases, but if you do get hit, there are ways for you to minimize the overall impact to your budget and still keep your coverage. But before we get into that, lets try to figure out what is happening here.

Providing the best Texas homeowners insurance quotes online.

Are the Rate Increases Caused by Natural Disasters?

To a certain degree, yes. I have to believe that some of the increase can be traced to the catastrophic losses of 9/11 Attack on the World Trade Center. It is estimated that the total losses from the tragedy will go over $70 Billion Dollars, that is $70,000,000,000. There is no question that the money necessary to pay for the destruction and losses will come from almost every insurance company in one way or another. But the premium increases forhome insurance had started long before that fateful day.

Insurance Premiums on Homeowner Policies Have Gone Up Less Than 2% Per Year the Past 10 Years.

I am sure you are saying, How can that be, it seems that my rates have gone up every year? You are partially right. The total premium may have gone up, but the amount of coverage has also gone up to keep pace with the increasing cost of construction and materials used to rebuild houses. Inflation has continued to increase and push the cost of replacing homes and property higher year after year. Your policy adjusts the coverage on your home each year in an attempt to make sure you have enough coverage in the event of a catastrophic loss.

It's a Fact: Insurance Companies Made a Lot of Money in the Stock Market During the 1990s and That Was Good For You.

Insurance companies invest their money just like everyone else. During the 1990's they made money on their investments just like everyone else. In fact, many home insurance companies were willing to write insurance at a loss because they knew they could make it up on investment income.

For most of the 1990's, insurance companies were able to keep your premiums lower than they would have been because investment income they earned more than offset the losses they paid out. As consumers, we really shouldn't have a problem with that, part of our premium is offset by the insurance companies investments, resulting in lower premiums.

Then...the Stock Market started to fall apart in the middle of 1999.



All of a sudden, the investment income fell off, but the losses didn't. Insurance companies were now faced with the prospect of mounting losses if they kept the rates at the low level. One of several options was to increase premiums across the board and increase they have.

No Loss Discounts and Loss Surcharges Affect Your Premium

Clients that do not turn in claims make insurance companies lots of money and should be charged lower rates.

Sounds pretty simple doesn't it? Unfortunately, the rule works the other way, too. Insurance companies are going out of their way to give clients without losses discounts and premium credits to reward them for not having a claim.

If you have a claim or two, you can expect to pay a higher premium for a few years. We know no one plans to have a claim, in fact it's a real pain to go through the process, but it's no different than auto rates going up if there is an accident.

One other problem is the size of losses have gone out of sight! We have seen the average size of closed claims in our office go from $2,350 in 1993 to over $6,425 in 2002. The fact is that it just costs more money to make repairs to houses today than it used to.

Big changes are happening in the insurance market.

Deductibles Can Save You BIG Money!

Back in the days when I first started in the business, homes were insured for $35,000 and the policies had a $50 deductible. In the late 1970 the value of homes headed towards $75,000 and the deductibles went to $100. By the end of the 1980's a $250 deductible was standard on almost all policies written for homes valued over $100,000. Today, with the values of many homes costing more than $175,000 many of our clients are using $500 to $1,000 deductibles to keep the cost of their insurance down.

If insurance companies want to reduce your premium for not turning in claims, you might as well save even more money by increasing your deductible. While you wont save enough to make up the deductible in one year, you will be surprised how much you do save over a few years.

How Much Homeowners Coverage Should I Have?

So how much insurance should you have? Basically, unless you want to pay some of the costs yourself, you should insure your home for what it would cost to rebuild it if your residence were destroyed.

How do you find this out? In the home construction world, building costs are calculated on a square foot basis. We can calculate the estimated replacement cost for your home. Give us a call and we will be glad to update our records and send you a copy for your review.

Your possessions are also insured on a replacement cost or actual cash value basis. Again, unless otherwise specified, the coverage in your policy is actual cash value.

Homeowners policies also have limits on coverage for such items as jewelry, fine art or collectibles.

•For example, the standard policy will provide a maximum of $1,000 coverage for your jewelry if it is stolen. If you have lots of jewelry, fine art or collectibles, you should consider purchasing a special personal property endorsement or floater that provides the coverage you need.
8 Ways to Save Money on Your Insurance Year After Year

Now that we have given you the bad news, here are 8 ways you can pay less for your texas home insurance.

In many cases, you can get the same level of coverage for fewer dollars.

1.Take advantage of multiple policy discounts!
1.Do you have a auto insurance Texas policy?
2.Texas home insurance policies.
3.If so, is it with the same insurance company that provides your homeowners insurance?
4.Many insurance companies offer multi-policy discounts.
5.Usually, these discounts are at least 10% and at the most 27%.
6.some insurers apply the discounts to both the auto and the homeowners or any other Texas property insurance policy.
2.Raise Your Deductible
1.The deductible is the amount you pay before insurance kicks in if you have a claim.
1.For example, if you have a $250 deductible and you file a claim for $1,000 in damage to your home, you pay the first $250 and your insurer pays the balance, $750.
2.The higher the deductible you choose, the more you pay out of your pocket.
3.However, the higher the deductible, the less you have to pay for your policy.
4.Depending on the insurance company, you can save between 12% and 37% if you change a deductible of $500 to $5,000.
3.Newer Homes Are Rated Better
1.Insurance companies really like newer homes.
2.Recently built homes equals lower premium because there is less likelyhood something will go wrong with the electrical, heating and plumbing systems.
3.In addition, the structure itself is in better shape.
4.Insurers offer discounts of as much as 8% to 15% if your residence is new.
4.Insure the replacement cost of the house itself not the land.
1.There have been times when mortgage companies want us to increase the amount of insurance to be equal to the mortgage on the property.
2.You want to insure the rebuilding cost of the house and without including the value of the land in the in the total replacement cost.
5.Don't insure more than you own.
1.If you have made a major purchase, you will want to increase your limits of coverage, but what if you sell something? You don't need as much coverage.
2.Pay particular attention to items that are covered by endorsements or added floaters to your policy, items such as jewelry and computer equipment.
6.Do not leave your house unprotected.
1.Smoke detectors, burglar alarms and deadbolt locks are usually worth discounts of at least 2%.
2.You can get even bigger discounts, 8% to 10%, if you install a sophisticated sprinkler system or an alarm system that rings at the police station or a security company.
3.Before you install one, check with your insurer to find out what type of system qualifies for a discount and how much you would save on your premium if you installed the system.
7.If your dog bites, beware of lawsuits.
1.If you have a dog or dogs, particularly if it's a more vicious breed, you will pay more for Texas liability insurance coverage.
2.More and more dog bite claims are being presented, which has some insurers not exactly eager to provide coverage to homeowners who have.
1.for example, Rottweilers, Pit Bulls and Dobermans.
3.If you are considering getting a dog, keep this in mind: If you own dogs of certain breeds, your premium will probably go up.
4.Your insurer could decide to cancel or non-renew your policy.
5.For that matter, if your dog is likely to bite someone - of any breed - you are risking higher premiums and cancellation
8.Keep Your Credit Score in Top Condition
1.Insurance Companies are relying more and more on credit scoring to determine insurance premiums.
2.They have found that people with low credit scores have almost three times the losses than people with top credit histories.
3.Get rid of unused credit cards and pay your bills on time. It will pay off in the long run.


I wont kid you. There is more to this insurance game than saving money. In fact, while it's nice to lower your insurance costs, it's probably even more important to make sure you, your loved ones and your assets are covered adequately. It's not a pleasant thought, but insurance is about worst-case scenarios. It's also about peace of mind, knowing that you have the worst-case scenarios covered.

Do you have Texas insurance questions?

We are here to help you manage your insurance protection. We promise that we will be honest with you and try to get you the best insurance coverage for your dollar. We cant always have the cheapest rates around, but I can guarantee you that we will do everything possible to make sure that you are getting all the discounts you deserve and have your insurance with one of the top insurance companies doing business today.

About the Author

At Insurance Over Texas, we take a personal interest in our customers. We like to share information that comes to help you protect yourself and your family from financial loss. If you have any questions, regarding this information or your current insurance coverage, please do not hesitate to give me a call, shoot me an Email, or contact us.

Source:
http://www.articlesbase.com/insurance-articles/texas-home-insurance-renewal-premiums-are-on-the-rise-3035778.html

Texas Home Insurance Money Saving Tips

Texas Home Insurance Money Saving Tips:
By: Jackson Insurance Services |
Posted: Aug 13, 2010

How would you like to save money on your Texas homeowners insurance

As a Texas insurance specialists we understands that your home is probably your most valuable asset. It is also a huge risk for you financially. What if a catastrophe strikes? What if you suffered from a fire, flood, vandalism or any other catastrophe? What if someone visiting you slips falls and suffers a serious injury? And sues you? An accident like that could put a real big dent in your financial security.

For most people, insurance is a mystery. They know they need to have insurance for their homes (mortgage lenders require it), but they don't understand the coverage provided by the policy. And they don't know which insurance companies offer the best prices. Because most people don't fully understand the insurance policy they are purchasing, many people think insurance is a rip-off.

Texas home insurance is not created equal. In fact, almost none of it is. There are thousands of different products out there, from hundreds of insurance companies. How do you find the insurance and the insurance company that is best for you? You read this special report and tap into my vast knowledge of the products and the companies that offer them.

Insurance Over Texas is a local Houston insurance agency specialized in Texas home insurance. With over 20 of Texas insurance experience I know what kind of insurance fits your needs best. I also know what insurance companies sell quality insurance at the lowest price. Since I am specialized in the insurance needs of homeowners and their families for over two decades, I have decided to dedicate myself to solving some of the mysteries of homeowners insurance quotes Texas.

Texas flood insurance and earthquake coverage are two perils for which there is no coverage.

•You can get coverage for earthquake and flood damage in a separate policy or as an endorsement to your homeowners insurance Texas coverage.
Replacement Cost or Actual Cash Value

Your Texas home policy does not provide coverage for all potential catastrophes that could damage or destroy your home. Earthquake and

There is also no coverage for damage caused by water that seeps into your home from the ground.

You do have coverage for losses related to fire, smoke, lightning, wind storms, hail, explosions, vandalism and theft.

There are different ways to insure your home. Generally you insure both the structure and your personal property. Let's take the structure first.

There are two types of coverage: replacement cost and actual cash value.

Replacement cost coverage is highly recommended for all Texas homeowners. Under replacement cost coverage, the insurance will cover the cost of replacing the part of the structure that is damaged, up to a maximum dollar amount.

Under actual cash value coverage will cover the cost of replacing the damaged structure minus the depreciation. If you have an older home, this maybe the coverage you want. Unless your policy specifically says it provides replacement cost coverage, the coverage is for actual cash value.

So how much insurance should you have?

Basically, unless you want to pay some of the costs yourself, you should insure your home for what it would cost to rebuild it if your residence were destroyed.

How do you find this out?

Your insurance agent can provide you with this information. If you don't have an insurance agent and you should, you can contact your local builders association. In the home construction world, building costs are calculated on a square foot basis. As such, to determine the cost to rebuild your home, take the square footage of your house and multiply by the average per square foot building rate in your area.

Your possessions are also insured on a replacement cost or actual cash value basis. Again, unless specified otherwise, the coverage in your policy is actual cash value.

Home insurance policies also have limits on coverage for such items as jewelry, fine art and computer equipment. Read your policy and see what these limits are. For example, the standard policy will provide a maximum of $1,000 coverage for your jewelry if it is lost or stolen. If you have lots of jewelry, fine art or computer equipment, you should consider purchasing a special personal property endorsements or floaters that provides the coverage you need.

Speaking of needs, you need to take a written and a visual (still pictures or video) inventories of everything you own in your home and in other buildings on the property.

•Include all furniture -
?Indoor and outdoor, appliances, stereos, computers and other electronic equipment, hobby materials and recreational equipment, china, silverware, kitchen equipment, linens, jewelry and clothing. For the major items (computers, televisions, stereo systems, etc.).
?Write down the serial number, make or model number, purchase price, present value and date of purchase of each item.
?If you have the receipts for the items, attach them to the inventory.
?Make at least two copies of the inventory and store one of those copies offsite a safe deposit box is a good place.
?Store the pictures or video of the inventory offsite as well.
10 Ways to Save On Your Texas Home Insurance

Now that you know the basics of a homeowner's insurance policy, here are 10 ways you can pay less. In many cases, you can get the same level of coverage for fewer dollars.

1.One Insurer, Multiple Insurance Policies - Do you have a Houston auto insurance policy?
¦Is your auto insurance insured with the same company that provides your home insurance?
¦If the answer's no, you're paying too much for both policies. Almost every insurance company that sells home insurance wants its policyholders to also buy auto insurance from them. These insurers offer so-called multi-policy discounts. These discounts can be as much as 27% and some insurers apply the discounts to both the auto and the homeowners/renters policy.
2.Raise Your Deductible! - The deductible is the amount you pay before insurance kicks in if you have a claim. For example, if you have a $500 deductible and you file a claim for $1,500 in damage to your home, you pay the first $500 and your insurer pays the balance, $1,000. The higher the deductible you choose, the more you pay. However, the higher the deductible, the lower your policy premium. Depending on the insurance company, you can save between 12% and 37% if you have a deductible of $1,000 to $5,000.
3.New Is Better! - Insurers really like newer homes. That's because it's less likely something will go wrong with the electrical, heating and plumbing systems. In addition, the structure itself is in better shape. Insurers offer discounts of as much as 8% to 15% if your residence is new.
4.Location, Location, Location! - Where do you live and what is your home made of? If you're in the Eastern United States, it's better from an insurance perspective to have a brick or masonry residence because such a structure has a greater resistance to wind damage. By contrast, frame homes are better in the earthquake-prone West. The right structure in the right region can save you 5% to 15%. Further, if your home is near a fire station, you will pay less for homeowners insurance. If you live in an area that is prone to flooding, you may be required to buy a flood insurance policy. If you are not required to buy the coverage and still live in a flood-prone area, your Texas home insurance policy will not provide coverage for losses arising from flooding.
5.Insure the House, Not the Land! - Nobody is going to steal your land. Fire and high winds won't destroy it. As such, when deciding how much homeowner's coverage to buy, don't include the value of the land. You should only cover the value of the house and any other buildings on the property. If you include the value of the land, you're paying too much.
6.Don't Insure What You Don't Have! - Each year, you should review your policy to see what coverage you have for your possessions. If you have made a major purchase, you will want to increase your limits of coverage, but what if you sell something or something's? You don't need as much coverage. Pay particular attention to items that are covered by endorsements or floaters to your policy, items such as jewelry and computer equipment.
7.Better Safe Than Sorry! - Smoke detectors, burglar alarms and deadbolt locks are usually worth discounts of at least 5%. You can get even bigger discounts, 15% to 20%, if you install a sophisticated sprinkler system or an alarm system that rings at the police station or a security company. However, not all of these systems qualify for discounts. Before you install one, check with your insurer to find out what type of system qualifies for a discount and how much you would save on your premium if you installed the system.
8.Where There's Smoke There's fire! - Smoking (unattended cigarette butts, etc.) produces more than 23,000 residential fires in this country each year. That's why some insurers have discounts if all the residents in a home are nonsmokers.
9.Group Discounts! - Some insurers offer discounts to certain business or alumni associations. If you are a member of such an association or associations, ask the directors of the associations if there are any insurance companies providing discounts to members.
10.Don't Jump Around - If you've been with an insurer for a while and you like that insurer, stay put. Some insurance companies automatically have discounts for policyholders who have been with the company for a certain number of years. For example, 5% for at least three years, 10% for at least five years.
About the Author

At Insurance Over Texas, we take a personal interest in our customers. We like to share information that comes to help you protect yourself and your family from financial loss. If you have any questions, regarding this information or your current insurance coverage, please do not hesitate to give me a call, shoot me an Email, or contact u            s.

Source:
http://www.articlesbase.com/insurance-articles/texas-home-insurance-money-saving-tips-3035788.html

Small Business Health Insurance Problem

Small Business Health Insurance Problem:
By: Health Insurance
| Posted: Sep 09, 2010

Through the debate on reforming health insurance for small businesses, an important piece of information was missing: Policymakers had little data on why only some young companies offer their employees health insurance. Common sense and much research indicate that cost plays a big role in business owners' health insurance decisions. Why do some entrepreneurs choose to incur this cost while others do not?

Back in March, Congress passed the Affordable Care Act, which in 2014 will require all Americans to have health insurance or pay a penalty. Although many people would now like to put discussion of employer health insurance behind them, the question of why only some founders of small businesses offer insurance remains an important one. Its answer will influence how much of a role government will play in providing employee health insurance for years to come.

One part of the new law is a set of tax credits and penalties designed to encourage employers to provide insurance.The problem is that for most young small businesses, it won't work.That's the conclusion I reached, based on research I conducted with Alicia Robb of the Ewing Marion Kauffman Foundation.We examined the decisions of founders of young companies on whether or not to offer health insurance, using information from the Kauffman Firm Survey, which tracks a cohort of nearly 5,000 new businesses started in 2004.

The data show that very few new businesses offer employee health insurance. Nearly two-thirds of companies with employees did not offer employee health insurance at any time during their first five years of operation. Moreover, only one in five offered insurance to their workers in all of the years.
insurance: no performance benefits

The few young small businesses that offered health insurance differed dramatically from those that didn't: They tended to be larger and higher-paying, structured as partnerships and corporations, and they offered their employees a wide variety of benefits. Most young businesses don't fit this profile. The majority are sole proprietorships with few, modestly paid employees. Only a handful of young companies grow dramatically. A minority shift from sole proprietorships to other legal structures. Few ever add a lot of benefits. This means that only a small portion of young small businesses are health-insurance-providing types. Most are not.

One argument that's often made to justify giving employees health insurance is that doing so helps companies perform better. Those that offer employee health insurance, the argument goes, get better and harder-working employees. We examined whether the provision of employee health insurance provides any performance benefits to young companies. We found that it does not.

Controlling for a variety of other firm and founder characteristics, we saw no significant effect from providing employee health insurance on firm survival, growth in assets, growth in sales, growth in profits, or growth in employment during the first five years of operation. Stated differently, offering employee health insurance doesn't appear to do anything to improve the performances of young companies, despite what some observers argue. We shouldn't claim that the new law will benefit small business owners by making their companies more successful.
low-paying, sole proprietorships

The data offer three key takeaways for policymakers. First, only a minority of new businesses offer health insurance to employees, even by age five. Fewer still move from not offering insurance to providing it. When thinking about how to manage small business health insurance, policymakers need to keep in mind that offering insurance isn't something that young companies naturally evolve to do as they mature. Consequently, most of the employees at new businesses that don't offer health insurance will need to be covered by government programs and state exchanges.

Second, new companies that don't offer insurance tend to be smaller, lower-paying, sole proprietorships with a large share of part-time workers. These offer employees limited benefits. Policy makers need to recognize that offering employee health insurance is something that fits certain kinds of new companies and not others. Small business owners who don't offer employee health insurance aren't being heartless. They are responding to the economics of the industries they are in and the business models they are pursuing.

Third, offering employee health insurance doesn't improve the financial performance of new companies. Policymakers need to understand that despite the many reasons why they want the founders of all businesses to offer health insurance to employees, requiring that entrepreneurs provide such insurance won't benefit many of the business owners.

Hundreds of thousands of new businesses with employees are founded in the U.S. every year. Few of these companies are large enough, pay enough, or are structured in a way that would lead them to offer employee health insurance. Moreover, few will turn into businesses that provide health care coverage to their workers. As a consequence, most of the several million workers hired by young businesses annually will be getting their insurance from government programs and state exchanges for years to come.

About the Author

<a href="http://www.easytoinsureme.com/north-carolina-health-insurance.html">North Carolina health insurance</a>
<a href="http://www.easytoinsureme.com/tennessee-health-insurance.html">Tennessee health insurance</a>


Source:
http://www.articlesbase.com/insurance-articles/small-business-health-insurance-problem-3235227.html

Life Insurance Universal

Life Insurance Universal:
By: Insurance
| Posted: Nov 19, 2011

Today you are living in the world that does not guarantee you of your life. This is a scary thought yet very provoking because it is true. The view of life insurance universal is to acknowledge the bad times you are living in today; life insurance is a policy that will guarantee protection and financial stability for your family in long term.

Life Insurance has become necessity today, without a life insurance policy, it is hard to stabilize your family's future. You want to be sure to give your family the best of future. Life Insurance can help you to protect your family, take care of your estate planning needs, look at retirement savings and even protect your home mortgage.

There are different types of life insurance policies for example: whole life insurance, universal life insurance, children's life insurance, senior life insurance, mortgage protection life insurance and term life insurance. The role of each of these life insurances is different because it entirely depends on each policy. 

Some of the important things you can remember when you are thinking of buying insurance such as, stick to one insurance policy as it will cost you heavy sums if you think of leaving the policy in between months. Think twice before you make a decision on any insurance policy; read your insurance policy thoroughly and underline the important segments in your policy that can help you to take a right decision. Forget not to do your homework thoroughly on the insurance company before you buy a policy from them. Let your agent explain the pro's and con's of every policy. Get a clear understanding about the policy from your agent and do not act hastily on getting the policy quickly. These are some of the important factors that need to be considered when you think of buying a policy from the insurance provider.



Life Insurance Quotes are unlike any other type of insurance. There are multiple factors involved in determining a person's correct rating. Here at the Life Insurance Quote Center we have streamlined the entire process for you. Our quoting engine is designed to ask all necessary questions to obtain a Life Insurance Quote without the hassle of having to leave your computer. We also have experienced life insurance agents available during standard business hours to help in any way necessary in the process of obtaining a Life Insurance Quote and/or processing a life insurance application.

We offer all types of life insurance including hard to place life insurance policies. If a person has been declined elsewhere for things such as Diabetes, Cancer, HIV, etc. we are able to find them an approval. Sometimes people are unaware of the type of life insurances available to them. When running a Life Insurance Quote with us we are sure to explain and describe all options you are eligible for. A quote is the first step in the process of obtaining a Life Insurance policy. We believe that making this service available online to the public expands the common knowledge of what life insurance is.

There are some very important factors that considered when obtaining a Life Insurance Quote. Height, Weight, Gender, current Health Status, and current Medications if any. These are all taken into account by an underwriter during the underwriting process of any Life Insurance application. However taking medication is not always a bad thing. Depending on the age of the person certain maintenance medications are looked at as good. For example a person over 55 years old that is taking cholesterol or blood pressure medications are likely to receive higher ratings than those that are not with higher cholesterol/blood pressure levels.

Our quotes are always instant and free! No waiting. Most insurance shoppers are online because they want to avoid having to wait for a quote. It is our goal to make sure your experience with us is fast, easy and painless. We understand that Life Insurance can be a personal and sometimes invasive process so we do our best to make it a positive one. In the event that you have any questions about your Life Insurance Quote we encourage you to call and speak to one of our experienced agents. We are available Mon – Sat from 8am – 6pm PST.


About the Author

The view of Life Insurance Universal is to acknowledge the bad times you are living in today;http://www.workinglifeinsurance.com/universal-life-insurance.php life insurance is a policy that will guarantee protection and financial stability for your family in long term.

Source:
http://www.articlesbase.com/insurance-articles/life-insurance-universal-5410061.html

Learning How to Choose Insurance that Meets your Needs

Learning How to Choose Insurance that Meets your Needs:
By: Insurance Quotes.us
| Posted: May 27, 2011

We will all over time need insurance, when you learn to drive you have to have insurance, when you go to work you are insured under your employers workmen's compensation, when you buy your first home you must have insurance on it. While sometimes you may have no choice about the type of insurance that you need, other times you will have to choose your own insurance, learning to choose the right types of insurance depending on the needs you have, is important and a skill you will use over and over again throughout your life.

Knowing how to choose the right insurance starts with understand what insurance does and how much insurance you really need. This will vary depending on your circumstances and what your budget it. For instance if you have a car that is not worth a lot of money, there is no sense in putting coverage on it, however you will still need liability and medical to cover any damages that may arise if you have an accident.

The Same is true for your other belongings, if you do not own a house you may not need home insurance but you may wish to insure your belongings especially if you have a lot of expensive electronics. This insurance is called renters insurance and it protects you even if you are not ready to buy a house.

Other insurance you may wish to consider is insurance on your recreational vehicles, life insurance, health insurance and if you work for yourself you may wish to get business insurance as well. All these types of insurance vary depending on your circumstances, such as age, health and the possessions you want to insure and as always your budget. While you may not be able to buy all of them it is important to get the ones that are most applicable to your life, as well as those that may be required such as home insurance if you are buying a home and car insurance.

It is important to take some time to read about the insurances you are getting ready to buy, you should at least know the differences between liability, collision, comprehensive, as well as when you need them for your car. This is true for all insurances, you can make costly devastating mistakes but not understanding insurance terms such as those that tell you the type of insurance you are buying.

Life insurance is a good example of that, since there is a huge range of prices for the different types of insurance, but how they cover you and how much they pay out ranges just as widely. Does your policy stay the same or can your insurance company change it, does it have a cash value? These are all questions that you will need to know the answer for if you are going to buy life insurance.

There are plenty of resources on the Internet that will give you the basic information you will need, to be able to make choices for your insurance needs. In fact many of the free quote sites that offer you quotes for your insurance needs can give you all the basic information you will need to make informed choices about your insurance. You will also find that many of the insurance company sites will explain all of their policies in full at their websites as well.

You can also go to talk to your agent once you have chosen one, they can answer any questions you have and help you to decide the insurance you should have. If you choose to use one of the quote sites you will have agents in your area contact you with your quotes, before you decide on your insurance be sure to take the time to carefully review the quotes and take care of any research you need to do before you make your final decision.

Once you have an agent or two, they will help you to make your final decisions and take care of all the paperwork. You will have the satisfaction of knowing you took your time and made an informed decision no matter what type of insurance you are trying to buy. One of the best places to start your search for information and for the quotes you will need to complete the process is at Insurance Quotes, we offer a wide range of information about all of your insurance needs and have a free quote form that will allow you to compare your insurance quotes before you buy.

About the Author

Be smart, save money and get low insurance rates today with free online insurance quotes. Compare rates for all types of insurance quotes.

Source:
http://www.articlesbase.com/finance-articles/learning-how-to-choose-insurance-that-meets-your-needs-4825892.html

Irish Construction Insurance

Irish Construction Insurance:
By: Keystone Insurance
| Posted: Jun 16, 2007

One of the most interesting facts about the Irish Construction industry is that there is no legal requirement for a construction company to hold any from of construction insurance! In fact, the only insurance an Irish contractor is legally obliged to have is basic motor insurance on his/her motor vehicles!

Although there is no legal requirement under Irish law for a contractor to hold adequate Construction Insurance it is extremely important that adequate cover is in place.

One of the most important reasons is the high injury & mortality rate on Irish Construction sites. One major positive of the recent construction boom is the fatality per thousand ratio has fallen in recent years although it is still at an unacceptable level.
For example, in 2001 28% of workplace fatalities were Construction related and the Irish Construction industry is consistently second only to the Irish Agriculture& Forestry Industry.

As many primary contractors require their subcontractors to hold Construction Insurance the reality is that although Construction Insurance is not a legal requirement it is usually a prerequisite to obtaining work on the majority of the countries construction sites so the need for construction insurance is a necessity in everything but law!

Although Construction Insurance is quite a complex field the four main areas of cover are as follows:
• Public Liability Insurance
• Employers Liability Insurance
• Contractors All Risks
• Personal Accident
Public Liability Insurance
Public liability insurance [PL] provides cover in the event that the policyholder is sued by a third party who feels that they have suffered injury or loss as a result of the policyholders negligence (lack of care).
Consider the following examples where Public Liability Insurance will provide cover:
• You run a plumbing company. One day you are called to an office to sort out a problem in their kitchen. Accidentally, you burst a pipe, and flood the office. Your client then makes a claim against you for the damage to their carpet and computer systems which have been damaged by the water.
• You are a building contractor. While walking along scaffolding one of your men drops a piece of equipment which falls to the street, injuring a passing pedestrian. The pedestrian makes a claim against your firm.
Obviously these are very simplified examples and we haven’t discussed the complexities of Products Liability/Liability Law/Duty of Care etc however it should provide a basic understanding of Public Liability Insurance.

Employers Liability Insurance

Employers Liability Insurance [EL] provides cover if any of your employees suffer physical injury or death, and it is proven that as an employer you acted negligently and subsequently could have prevented their loss. If they then decide to pursue you for compensation the insurer will pay the cost of the claim.
Consider the following examples where Employers Liability Insurance will provide cover:
• You run a carpentry company. One of your employees loses a finger while using a chop saw and decides to claim against you for his injury
• You are a scaffolding contractor and are erecting scaffolding around an apartment block. While erecting the scaffolding one of your employees falls and suffers severe bodily injury. He decides to claim against your firm.
Please note that Public & Employers Liability is offered ‘hand in hand’, that is when arranging construction insurance you will need to arrange both Public Liability & Employers Liability Insurance together [Also known as Combined Liability Insurance] as Employers Liability Insurance is not available on a ‘Stand Alone’ basis..
Contractors All Risks Insurance

Contractors All Risks insurance (also known as Contract Works insurance) is an insurance policy specially designed for builders and a number of other trades working at a contract site. Contractors All Risks insurance can include cover for contract works, own plant, hired-in plant and employee's tools. The main part of the contractors all risks insurance is the contract works section which provides cover for the property being worked on (e.g. new house, etc.). However, cover for the existing property is excluded (e.g. the existing structure when building an extension) and must continue to be insured under its own insurance cover.
Consider the following examples where Contractors All Risks Insurance will provide cover:
• You are a building contractor and are building a house for resale. So far you have spent €200,000 on materials and labour. The property catches fire and is destroyed before it has been completed. • You are groundwork’s contractor and are presently digging foundations for a new housing development. Naturally you leave your excavator on site until the contract is completed however one night your excavator is stolen.
Personal Accident Insurance

Personal Accident Insurance [Also known as Income Protection Insurance] is highly recommended for a sole traders, business partners and company directors as a combined liability policy does not cover any injury caused to a sole trader/business partner while it is extremely difficult for a company director to sue his/her own company. A policy can be tailored to your exact needs and policies include a tax free monthly benefit, a lump sum [capital benefit] and hospital cash.
Consider the following examples where Personal Accident Insurance will provide cover:
• You’re a self employed carpenter with no employees. You cut your hand and are unable to work for eight months. As you have Personal Accident cover you receive a tax free benefit of €1,500 after one month and continue to receive this amount until you return to work.
• Although Personal Accident/Income Protection insurance is no substitute for full time earnings it will provide you with an income if you are unable to earn and it will reduce your financial worries at a time when your recovery should be your number one priority.

Machinery & Plant Insurance
Machinery & Plant Insurance is normally arranged on a case by case basis and provides Accidental Damage Fire & Theft Cover on Machinery. This policy is normally taken by contractors who wish to cover a specific number of items.
Health & Safety Executive

In Ireland the HSE [Health & Safety Executive] have the ultimate authority over Construction Sites and have the ability to close a site if they feel it is a safety hazard. Their primary initiative is the ‘Safe Pass’ – a one day site safety training programme.
Who needs to do Safe Pass awareness training?
Safe Pass is a one-day safety awareness programme aimed at general construction workers, craft workers and "on site" security personnel in the construction industry. The aims of the programme are to:
• raise the standard of safety awareness in the construction industry
• ensure that site personnel after completing the one day awareness programme can make a positive contribution to the prevention of accidents and ill health while working on the site
• maintain a register of personnel who have received training
• provide participants with a FAS Safe Pass registration card, indicating that the holder has attended a formal course in health and safety awareness
Under the Safety Health and Welfare at Work (Construction) Regulations 2006 Safe Pass / Safety Awareness Programmes applies to -
(a) craft and general construction workers,
(b) persons undertaking on-site security work, and
(c) persons or classes of persons as may be prescribed by the Minister.
For more information on Irish Site Safety please visit the website of the Health & Safety Authority www.hsa.ie while for more information relating to Irish Construction Insurance please visit the website of Keystone Insurance www.keystone.ie, Ireland’s premier supplier of Construction Insurance

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Source:
http://www.articlesbase.com/insurance-articles/irish-construction-insurance-165902.html

Insurance Savings Guide For All

Insurance Savings Guide For All:
By: California Auto Insurance
| Posted: Jan 10, 2011

Homeowners insurance and automobile insurance are 2 types of insurance that almost all individuals need to have sooner or later. If you have a number of different insurance plans, the price of premiums can easily become a financial difficulty. With regards to insurance, everybody wants to have the cheapest price and also the best coverage. The best method to reduce costs on your insurance premiums is to merge your home and automobile insurance with one insurance carrier.

Merging your home and car insurance policies with one carrier could lower your rates. According to the Insurance Information Institute, combining your property and car insurance can save you up to 25 % on both premiums. To compete for your business, numerous insurance carriers offer discounts to consumers who buy both home and car insurance.

Combining both home and car insurance could significantly lower your payments to insure the belongings in our properties from fire, theft the structure of your house in case of fire, wind, and other types of damage covered under the terms of the policy. In addition, you'll have insurance on your auto in case of an incident, liability, collision, theft, and vandalism. Many insurers that provide combined home and car insurance coverage will bill you for both policies at the same time. Therefore you'll make one monthly payment.

The easiest method to get a cheap home and car insurance rate is to look online. The quickest and easiest method to locate a combined low cost home and car insurance will be to compare quotes using an online insurance comparison tool. There are numerous insurance sites that provide this comparison tool totally free without any obligations. All you need to do is complete a quick quote form and you receive a number of quotes. You could then select the best insurance plan that meets your wants.

Whenever you merge your home and car insurance, you won't just lower your expenses, but you would have the added convenience of one insurance package, one payment to make every month, one renewal date, and a single deductible which would apply in case of a claim.

Just like any type of insurance, it is very important to shop around. You need to learn how an insurance company ranks when it comes to how well they pay their claims and how strong they are financially. Additionally you need to read the insurance plan very carefully so you know exactly what you are protected for and how much the insurer pays for a claim. It's crucial to remember that getting the correct amount of coverage outweighs the cost of inadequate coverage.

Anybody with a home and auto should be covered by insurance. With the present unpredictable financial economy, it's simply smart to save cash by merging both your home and automobile insurance policy.

About the Author

We specialize in personal and commercial insurance types. When you're ready to save on your car insurance or homeowners insurance, we are here to help you. In addition to personal policies, we will guide you through the process of obtaining protection for your business. Insurance for business should not be expensive; we work with numerous highly rated companies, who will cover every type of business with the most affordable prices. General liability or Workers Comp, commercial auto or Surety bonds. We cover every angle.

Source:
http://www.articlesbase.com/insurance-articles/insurance-savings-guide-for-all-4005434.html

Individual Health Insurance Effects

Individual Health Insurance Effects:
By: Health Insurance
| Posted: Oct 25, 2010

The Patient Protection and Affordable Care Act, otherwise known as the health reform bill will impact almost every American. One of the most important ways it will affect individual health insurance is that insurance companies will not be permitted to deny insurance to those with preexisting illnesses. Another important affect is that all Americans will be required to hold insurance. Insurance companies will be prohibited from placing annual and lifetime limits on coverage. Group health exchanges may also help to reduce the cost of insurance plans, giving individuals the buying power of large companies. You will be able to purchase insurance through a state exchange from 2014. The exchanges have yet to be formed, but the intended goal is to provide more affordable and subsidized individual plans. The Obama effects on individual health insurance addresses the biggest weaknesses in the individual health insurance market. Easy To Insure Me

As the reform bill was passed policy rates were climbing. A report revealed that members of the middle class were losing health insurance faster than any other income group. Those who missed the Government provided safety net because of their income were thrown on the mercies of the individual market. Here, insurers have been denied coverage based on preexisting conditions and are vulnerable to charges of high and ever increasing premiums.

The limits insurers placed on who gets coverage is one of the three major problems that needed to be addressed in the individual market. The other two are the affordability and whether the policy would pay for what is needed when the insured gets sick. A study found that excluded conditions varied by insurer. In a 2001 study by the Georgetown Health Policy Institute, researchers 37 percent of applications were rejected. There were insurers who would turn you down if you had hay fever. The public thus was a victim of a roulette insurance market. How easy is it for individuals to wade their way through the market to insurers who would cover them is a question. Although federal law requires insurers to sell policies to certain people who lose group coverage, including those who lost their jobs due to lay offs; but places no limits on what an insurer can charge. In February 2010, Connecticut announced that health premiums for individual medical plans rose in price by 20 percent over in 2009. In this void have stepped some states in varying degrees. Maine, Massachusetts, New Jersey, New York and Vermont required insurers to sell individual policies to everyone, irrespective of their health. Washington state required insurers to take individuals with some health problems. While, Iowa required insurers to cover preexisting conditions in new applicants, if they had insurance previously for those conditions and did not let the insurance lapse.

Of those who do buy their own insurance the health insurance market works well for some; but, not for others. In the individual market prior to the reform bill, in order to lower their risks insurers preferred the healthiest applicants. In most states, insurers may consider the health history of the applicant in deciding coverage and its cost. Unlike group plans offered by employers which provide coverage to everyone, there is no guarantee in most states individuals can obtain insurance. It has been realized that solving problems in the individual market would improve the health care crisis. In California, Connecticut and several other states regulators have taken actions against insurers who revoked individual coverage after policyholders fell ill. Before the President won the election Senators Ron Wyden, a Democrat from Oregon, and Bob Bennett, a Republican from Utah were supporting a bill that would shift workers getting coverage through employers to purchase their own insurance. The intention of their proposal was to break the link between employment and insurance. The two supporters of the bill believed this would let people keep their coverage even when they lost or switched their job. The proposal would have required everyone to have coverage and insurers to sell insurance to all applicants. The health reform bill has addressed these failings. Both presidential candidates had expressed the desire to improve options for people who buy their own coverage. Candidate Obama wanted to allow individuals and small firms to have the bargaining leverage and purchasing power of latge firms by creating ways for individuals to buy insurance in groups. Advisors to candidate McCain had acknowledged the current system was broken. Douglas Holtz Eakin, who was a senior policy adviser noted that he did not want to give the impression the individual or small group market is a good place to be, as it was not

The public hospitals have been at the vanguard of the victims of inadequate and absent coverage. They have provided for the uninsured and those under insured by Medicaid, that reimburses them at below cost. They are also unable to compete with private and nonprofit hospitals for patents with private health insurance coverage. Yet, the cost of providing care to the uninsured and under insured has climbed and taxpayer support remained static.

Currently employers are looking to shift more burdens to their employees due to rise in the cost of health insurance. A Reuters research team in analyzing claim data has discovered that smaller employers saw costs rise the most. According to a report released in March 2010, the cost for an employer to offer individual plans to workers increased by 43 percent over a eight-year period. The amount employees paid for the single plans increased over 64 percent.

Large corporate employees have enjoyed the most secure and highest quality coverage in the nation during their employment. They have not been victimized during their employment with revocation or denial due to preexisting conditions. Nevertheless, a recently released annual survey by the National Business Group on Health has indicated that the impact of rising costs means this island of safety is about to be buffeted. This surveyed large employers indicated they were considering shifting more of the cost on their employees.

Harvard researchers looking into what portion of bankruptcy filers filed for medical reasons found some enlightening information. They found that illness caused the majority of filings. The study looked at a year that preceded the housing bust; but reveals what is the general scenario absenting this reason. The larger segment of filers were covered by insurance they lost or proved to be inadequate. Majority of these were middle class homeowners who had college degrees. The study revealed the vulnerability of Americans who were literally one major illness from bankruptcy. There are big Obama effects on individual health insurance coverage. Certainly there are due to be major Obama effects on individual health insurance.

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health insurance quotes Health insurance quote individual health insurance

Source:
http://www.articlesbase.com/insurance-articles/individual-health-insurance-effects-3542695.html

How to shop around for general insurance?

How to shop around for general insurance?
By: Insurance Matter UK
| Posted: Aug 14, 2010

Types of general insuranceGeneral insurance only pays out when an insured event occurs. It includes:home insurance (contents and/or buildings)car insurancetravel insuranceprivate medical insurancepet insuranceaccident, sickness or unemployment insurance to protect your income, mortgage or loan payments (also called 'Payment protection insurance')critical illness insurancelong-term care insurance

How to shop around for general insuranceWith so many insurance deals on the market it's worth shopping around. Key points to compare include:suitability for your particular needscostflexibility: what happens if you miss a payment or wish to cancel or switch?terms: when does the policy pay out/are there restrictions?'Keyfacts' documents to help you shop aroundWhen you contact an insurance provider, they will give you details of the service they offer. This can normally be found in the 'about our service document'.Once you've discussed what you need and answered all the questions about yourself and what you want to insure, the intermediary, insurance company or the firm selling you the insurance will give you key policy information. This sets out the essential facts.

1. Buying insurance - learn more on Moneymadeclear from the FSA:
Getting helpYou can buy insurance yourself or with the help of a broker, but either way you'll get key policy information about the insurance and what it covers.Generally, firms selling insurance and those providing insurance cover (underwriting the risk) have to be regulated by the Financial Services Authority (FSA), the UK's financial services regulator, or be the agent of a regulated firm. There are some exceptions, for example the sale of extended warranties on non-motor goods (such as on electrical goods) where the person selling the insurance is also providing the goods.Regulated firms and their agents are put on the FSA Register and have to meet certain standards. Always make sure that the firm you use is on the FSA Register before handing over your money. If they aren't regulated by the FSA, you won't have access to complaints and compensation procedures if things go wrong – see If things go wrong. To find out if a firm is on the FSA Register, see Check the FSA Register.Your friends or family may recommend an insurance broker or insurance company or you can find one along your high street.

Alternatively there are organisations that can help you – see Useful links. But remember, always check that the firm you use is on the FSA Register.If the firm is not on the FSA Register, or if you have been contacted by or dealt with an unauthorised insurance firm or broker, it would help the FSA if you would provide some information on your dealings with that firm or individual. See its list of Unauthorised firms/individuals and report any dealings using its Unauthorised firms reporting form.Buying without adviceYou don't have to get advice before you take out an insurance policy, and UK firms that sell insurance without advice still have to follow the FSA's rules. But it is up to you to decide whether the policy is suitable for you. You may have less grounds for complaint if the product turns out to be unsuitable.Comparison websitesComparison websites will ask you several questions and then provide you with quotes from various brokers and insurers. None of the websites cover the entire market, and some larger insurers are not represented on any of the websites, so you may wish to contact them directly. The comparison website should contain a list of the brokers and insurers they search.Some insurance comparison websites may ask you fewer questions to speed up the process, and instead make a number of assumptions about you. Always check the assumptions made about you and correct them where necessary.Most comparison websites will automatically pass your information on to a broker or insurer.

Although this means you don't have to provide them again, you should check that the correct information has been provided to the broker or insurer. If anything is incorrect you should either change the information on the broker or insurer's website, or contact them and ask them to change it.The Association of British Insurers (ABI) has a voluntary good practice guide for insurers, brokers, software houses and insurance comparison websites when providing online price comparison quotes for insurance.This will mean that you'll get information to help you understand more about the policy you're being offered. It also says that insurers who are unable to provide a quote to a customer (for example due to age or health) should refer them to another provider who may be able to offer them cover.When using a comparison website make sure:adverts about the site don't make misleading claims about their market coverage – none of them covers the whole market, so if they claim to, this is unlikely to be true;you fully understand what savings you can make if the firm is advertising what looks like an attractive rate;the assumptions made about you are accurate and the same as the ones on the insurer's quote; andyou understand what excesses you might have to pay.See our Shopping around guide for more information.What information will you get?When you contact an insurance broker they will give you:details of the service they are offering you – see Step 1; andinformation about the insurance policy being offered to you – see Step 2.Step 1 – Getting the KeyfactsWhen you contact an insurance provider, they will give you details of the service they offer. It may be in a  about our service document, but doesn't have to be.

They will tell you:whether they're offering you advice or just information about the product;whose insurance policies they offer – it may be from one company or many; andhow much you'll have to pay for the service.Use this document, or information to shop around to get the service you want at the price you're happy with.Step 2Once you've discussed what you need and answered all the questions about yourself and what you want to insure, the intermediary, insurance company or the firm selling you the insurance will give you key policy information. This sets out the essential facts. Ask questions if you don't understand anything as misunderstandings could lead to the insurance company refusing to pay out when you claim.The policy information will set out:what the insurance policy actually covers;what it doesn't cover;any limits or restrictions; andother important features you need to know before you make up your mind.Make sure you get this and that you read and understand it. Ask the provider or insurance company to explain anything you don't understand.Use this document to shop around and compare like with like. Another policy may be cheaper but does it offer the same cover?
2. How to check if a firm is FSA authorisedYou can check whether a firm or individual is FSA authorised by using the FSA online 'Check our Register' service.Find out how to use the FSA Register and what to consider when looking for a firm or individual.
Firms are put on our Register once we have given them permission to carry out a particular activity. Firms that work as ‘agents' for other firms are also on our Register and are also known as ‘Appointed representatives' or ‘Tied agents'. After that we monitor that they follow our set standards, known as being ‘regulated'.
Always make sure that the firm you use is on our Register before handing over your money. If they aren't regulated by us and things go wrong, you won't have access to complaints procedures and compensation schemes, for example the Financial Ombudsman Service and Financial Services Compensation Scheme (FSCS). Some payment services firms do not have to be on the FSA register until May 2011, but you can still take complaints against them to the Financial Ombudsman Service.
3. The difference between information and adviceYou can buy insurance after getting advice, or based on information after shopping around. Read our related article to understand the difference between buying with or without advice and the relative pros and cons.
The difference between advice and informationWhen you get insurance advice, the broker or adviser looks at your individual circumstances and needs and recommends a policy to meet them. This often involves a face-to-face meeting, but you can get advice in other ways, for example by telephone, email, or through the post. Under FSA rules, if the advice turns out to be unsuitable you have the right to complain and, in some circumstances, may be able to claim compensation.Buying without adviceUK firms that sell insurance without advice still have to follow FSA rules, for example by providing you with certain information about their service and products (see next section). But if you buy this way it's for you to decide whether or not you think the policy is suitable for you. If things go wrong it may be harder to complain.Information the insurance broker must give youFSA authorised firms must follow certain rules and standards when dealing with you, including giving you certain information.Information about a broker's serviceWhen you contact an insurance provider, they will give you details of the service they offer. It may be in an 'about our service document', but doesn't have to be.They will tell you:whether they're offering you advice or just information about the productwhose insurance policies they offer - it may be from one company or manyhow much you'll have to pay for the serviceUse this document, or information, to shop around to get the service you want at the price you're happy with.Information about the insurance policyOnce you've discussed what you need and answered all the questions about yourself and what you want to insure, the intermediary, insurance company or the firm selling you the insurance will give you key policy information. This sets out the essential facts.For investment-type insurance they must give you a more detailed key features document which includes an illustration of how your investment might perform over time.

About the Author

Insurancematter.co.uk is a categorized and easy to use directory of the best online insurance sites available for British Customer. Each insurance site in our directory has been reviewed and placed in a proper category to make it easier for online shoppers to find at home or at the office and buy their desired cheap insurance online. In addition, for your convenience and in order to have more choices when buying online, we have added some great international insurance web sites that are mostly located in the USA & Canada and they deliver insurance service to the UK.

In order to help British Insurance Shoppers to shop at home and buy their favourite products online, we've also added some popular Comparison website that offer best deal like Gocompare.com, confused.com, moneysupermarket.com etc. In fact, you can use this site as an online Insurance mall with a variety of online and high street insurance providers.

We have done our best to make this directory the best online insurance source for British shoppers who want to buy cheap and best affordable deals at home or at work.  you have any suggestions about how to improve our website, please do not hesitate to contact us. We would be happy to hear from our visitors.

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http://www.articlesbase.com/insurance-articles/how-to-shop-around-for-general-insurance-3040526.html