For most of us mere mortals, the monthly budget is a bit of a juggling act. You need to keep an eye on your groceries, only put $10 petrol in the car some days, put off buying birthday presents for a little while, and always, ALWAYS look for a cheaper option! What this usually means in the context of both home/contents insurance and car insurance, is that you end up sacrificing some of the extra cover items so that your entire budget can look a...more
Fast is best, right? Well, if you're a racing car driver, yes. For those of us that have to weigh up a whole variety of different factors, every time we choose between speed and another benefit .. the answer is not so clear cut! For example, a slow-cooked roast is much more delicious than a hurried one .. explanations definitely do not improve with speed .. and who wants their weekend to go by in the blink of an eye?! Strangely enough, the same...more
Things aren't always black and white in this crazy world! Even the simplest things can get a little complex - and that includes your car insurance. What defines private or business use can get a little blurry, as most would know. It is actually rather unusual to have a car that is used purely for commuting to work, and never for work related tasks! Today we are looking at a few different scenarios that may match, or nearly match, yours, and whether private or business use applies to them. We'll also look at why you should run a mile from car insurance companies that ask you nothing more than "Is this car ever used for business purposes?"! So, what if...I'm a tradie and use my car to go from job to jobThis scenario is fairly clear-cut. You'll normally be carrying tools that are used in the regular course of your business, possibly carrying other people's goods and supplies, and generally doing plenty of driving during the day. These activities indicate business use and you'll definitely need to indicate this on your car insurance quote form.I'm a caterer and use my van for private use as well as carrying suppliesIn cases where the car is used for both private and business use, the...more
In the world of pistons, panels and petrol, modifications equal sex appeal. You don't see music videos with beautiful women draped all over a stock-standard Holden Commodore that has just rolled off the factory floor. Unfortunately, though, the advertisers never indicate what it costs to insure those hotted-up rides. Probably because people...more
When it is about choosing an insurance company, reliability should be given more importance as against your expenses. Be it a general insurance or a life insurance that you need, reputation of the insurance company should be the main criterion to choose the best company for your needs. This article talks about things to be kept in mind before...more
Getting over a serious illness or injury becomes more difficult when you have to fight with your insurer at the same time. Most insurance companies are enforcing tough rules and regulations for demanding your claim rights. Health insurance companies are known for their notorious character as they delay the process of claim which means the receiver will not avail the rightful benefit at the time of need. So, the insured person has to be really patience to wait for the getting over of the procedure. However, there are ways that actually simplify the health insurance process and the claim can be easily given to the rightful owner. Here are a few tips that may help you to get your rights in case of health insurance denial;Obtain a bill:You will need to get a proper bill for all your medical services. Ask your physician to provide you a bill for their service that highlights and each and everything that you"ve availed during your treatment period.Pay a portion of your treatment costs:In normal cases, insured people will not get the entire treatment plan, they will get a sum of money that can be calculated after deducting everything such as co-pays, co-insurance, and other costs that...more
You know that medical bills are generally so higher and you may not really disregard the fact that anything can happen to your health. The simplest way to take care of this issue is to possess medical insurance policy. Because there are types of...more
The most affordable kind of life insurance has constantly been term life insurance, at least ever since it came on the marketplace in the 1970s. But even while the insurance alone is the lowest priced life assurance you are able to buy, there are a...more
Anyone looking for health insurance will certainly want to make sure that they get it as cheaply as possible. Health insurance is only going to be applicable if you find yourself in some sort of medical problem, and as such most of time it will seem...more
What is reverse mortgage insurance? What are the requirements in order to take advantage of reverse mortgage? First and foremost, the term reverse mortgage must be defined in order to answer both of these questions. To put it briefly, it is a type of...more
"The trouble with always trying to preserve the health of the body is that it is so difficult to do so without destroying the health of the mind." said G.K. Chesterton. Not anymore. Obtaining the most ideal health insurance plan is now very easy. If...more
There's been a lot in the news about how exactly the BP oil disaster the Gulf of Mexico has seen landfall in certain beach communities and turned the air around there directly into an unbeatable toxic cocktail. Well, while that is certainly one of...more