It's an accepted fact. There are things in life that we have no control over. Death is one. Unless we are planning a suicide, the where, when, what and how of our life's end are things we simply have no prior knowledge of or power over. The same is true for accidents and illness. We don't know when they will hit us. Of these three risks, however, death is more devastating as its effect on our family's future is permanent.Does this mean therefore...more
Everything in life is uncertain that people should prepare for any eventuality. In fact, the only things certain in life are taxes and death. One or both of these things are bound to happen at some point in a person's life. While taxes will always be present in every society, death can come like a thief in the night.Sickness and death are frightening as it is. They become all the more frightening when a person has not prepared for such an...more
Although these days it's pretty easy to arrange your car insurance online, comparing quotes at the click of a button and paying by credit card for instant cover, one ever present difficulty still remains: the high cost of insurance policies. The fact that having car insurance in place is both a legal requirement and a sensible idea doesn't detract from the annoyance of having to pay what seems to be an exorbitant sum, and most of us would jump at the chance of reducing the bill.To do this we need to know what factors insurance companies use when deciding how much our premiums will be.Perhaps the most important influence on the level of your premium is your own history as a driver. If you've a history of having accidents, then naturally you're a higher risk to the insurer and so they'll charge you more. Worse, if you've been convicted of a motoring offence such as speeding or driving while under the influence, then your insurance will cost you even more - especially if your licence was withdrawn.On the plus side, a history containing no black marks such as accidents will result in cheaper insurance as you build up a 'no claims' discount over the years.The next most important factor...more
With you being able to insure just about anything now, you may view dental insurance as a way for greedy companies to take yet more money out of your pockets for something you do not really need.However, you are wrong. We all know how dentistry costs can mount up - even a routine check up can easily cost you $80- and that is without you actually...more
Most people who own a caravan avoid taking out caravan insurance to reduce their expenses. Some owners may reap short-term benefits, however in the long run this could prove to be expensive. If you have decided to get insurance for your caravan, it is important that you get the right insurance policy. To avoid future loss it is imperative that you...more
Planning a driving holiday can be a lot of fun, especially if you have a motorhome. You have the freedom to go where you want for as long as you like. If you don't like a particular spot, just drive away to a new place. Camping grounds are plentiful in holiday destinations, and offer all the facilities you need. With all the planning that you do before you leave, looking at maps, plotting your journey, booking camping grounds, cancelling the milk deliveries, etc don't forget to include ensuring that your motorhome insurance is adequate.Any insurance claim can be fraught with complications, so take the time to compare the different types of policies on offer from various insurance companies. There are risks associated with owning a motorhome, so make sure you are covered for all possible eventualities. Accidents do happen, even to the most careful of drivers.Make sure your policy covers you for replacement of the big windows that motorhomes have, and the special parts specific to your motorhome. The parts on equivalently priced vehicles are not as expensive as those on a motorhome. Motorhomes have valuable contents, which are at risk from thieves. Make sure your level of contents...more
If you are one of those well-conversant with motor homes, then you would know what kind of insurance would suit you the best and you may have no trouble renewing it year after year. However, if you are new to this and are about to take out your first...more
My father died when I was nine. He left behind my mother and four children aged between seventeen years and nine and no money. Sure I missed him but at nine I didn't really have much idea about death or loss. I know it sounds selfish but what I...more
Caravan insurance cover protects your prized caravan and all its contents. Though not a legal requirement, the policy is important to ward off possibilities of financial losses due to accident, theft and other mishaps. There are a number of factors...more
Every driver is unique and has their personal reasons for why, when, and how much they drive their car. Because it is the law that you have to have insurance before you drive a car, it is important that you find the best policy that meets your...more
3 Tips About Errors And Omissions Insurance Obtaining a professional license of any sort should be a time to celebrate. However, working in a professional environment in which you serve others can often lead to a great deal of liability. As...more
When you own a car what easily comes into our minds is car insurance. The law requires insurance for all vehicles. Legal actions will be taken to drivers who dont have car insurance. Sanctions involved paying around $500, 000 for penalties. Not only...more