Sep 25 2011

Hurricane-Proofing Your Travel Plans#riskymonday

Posted by Emma OFarrell in Insurance Help

Today we share a video that might help you avoid costly rebooking due to bad weather. Risky trips are never advised, but with unpredictable weather during storm season it cant hurt to review airline and hotel policies and stay vigilant. Check out the video and share your thoughts by commenting below or on Twitter using the hashtag #riskymonday.

#riskymonday, brought to you by Bankers Insurance Group, covers one important video highlighting the risks we face each week. Watch the video and join the discussion in the See Through Insurance blog comments, on the Bankers Insurance Group Facebook page or on Twitter using the hashtag #riskymonday.

 

Sep 22 2011

Car insurance: Taxi driver reversed into me – and later said it was my fault

Posted by Emma OFarrell in Insurance Help

I was in my car, waiting for the taxi in front to pick up a passenger, when the taxi reversed into my vehicle. The driver admitted he had not seen me. I told my insurer, LV, which said it wasn’t necessary to get witnesses’ names, although there had been people on the street. I was told that the passenger in the taxi was unlikely to be regarded as an independent witness. LV paid for the repairs and I paid the excess.

A few weeks later LV said it would be settling the case on a 50/50 basis as the taxi driver had produced a witness — the passenger — who said the taxi had been stationary. I have lost my £200 excess, my no claims bonus and my premiums will go up.

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Sep 22 2011

Carpooling can save Americans time, fuel costs

Posted by Bianca Fredricksen in Life Insurance

As gas prices continue to rise and roads become more congested, more Americans are leaving their individual vehicles at home and choosing to carpool to work.

The toll traffic is taking on Americans

According to the Texas Transportation Institute, Americans spent an average of 34 hours stuck in traffic in 2009, burning through about $808 of fuel. Nationally, traffic congestion cost Americans a whopping $87 billion that year, a figure that could be significantly reduced if more people partner up with friends or coworkers during their daily commute.

An overabundance of cars on the roadways is wasting more than money—it’s also eating up chunks of time. F

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Sep 21 2011

Is Your Car Insurance Complete?

Posted by Bianca Fredricksen in Life Insurance

When was the last time you looked at your car insurance policy? Do you know if you have all the coverage you’d need if you got into an accident? Not all car insurance policies are created equal.

  • Does your car insurance policy include roadside assistance, in case you get locked out or get a flat?
  • Does your car insurance policy have towing on it (or do you have AAA)?
  • If you’re in an accident, do you have coverage for a rental car?
  • If you have glass break, does your policy offer a $0 deductible?
  • How about Personal Injury Protection (PIP)? If you’re in a not-at-fault accident (or you’re in someone else’s car), it will protect you from medical bills. We sugges

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Sep 20 2011

Different types of life insurance

Posted by admin in Life Insurance

Life insurance, like many other things in life, is something that many of us don’t really like to think about too much; after all, no-one likes to think about their own demise. However, life insurance isn’t really about you, it’s about the people you leave behind. If you’re one of the 28 million people in the UK who doesn’t have life insurance, there are many reasons why you should consider taking it out. It can be confusing to know what types of insurance to take out, so here is one of the most common types of budget life insurance out there: whole of life insurance.

Whole of life insurance

This type of life insurance policy does pretty much what is says on the tin – it’s valid for the whole life of the policy holder, unlike some types of life insurance which only remain valid for a stated term. Read full post…

Aug 30 2011

Types of Term Life Insurance

Posted by admin in Life Insurance

Life insurance can be a very reassuring thing for many people. The insurance world also provides consumers with many different options in respect to the coverage that they acquire. This is true for cheap life insurance that offers different types of life insurance. One of these is term life insurance. When you purchase this type of life insurance coverage, there still are different types of coverage one can take out with this policy.

When purchasing term life insurance, this insurance remains in force for a specified period of time and may actually end prior to the holder’s death. Read full post…

Aug 27 2011

Points to note with static caravan cover

Posted by Lachlan Bethel in Top Insurance Quotes

If you are looking at a number of quotations relating to static caravan cover, you may be wondering how to choose between them.

Here are a few points that you may wish to keep in mind:

  • some static caravan cover may offer relatively limited protection for your contents and you may find that certain categories of item are excluded or that there are certain maximum payment values applied that may not be reasonable in your particular situation;
  • some policies may offer a range of discount opportunities if you adopt certain good practices these may be worth looking out for, as they may offer you the chance to save some money on your premium;
  • it may be typically advisable to carefully consider any plan to locate your caravan on a site that is prone to flooding, as apart from anything else, this may cause difficulties in the case of some static caravan insurance;
  • wintertime is typically a high-risk period for caravans and insurance companies, therefore, if you store your caravan over the winter in a secure CaSSOA approved facility, you may benefit from lower premiums;
  • not all policies will be happy to cover awnings, so if you have one, this might prove to be something that makes one policy more attractive than another;
  • it might be highly advisable to be sure what sort of replacement would be provided/funded, in the event that your static caravan was completely destroyed some policies may be rather better in this respect than others;
  • finally, some static caravan cover may be very specific indeed as to how your caravan must be anchored and secured make sure that you select a policy where you are confident that you will be able to comply with any such conditions, if they exist.

Aug 25 2011

Medicare Reform and Fiscal Reality

Posted by Emma OFarrell in Insurance Help

   
 

Demographic, economic, and political forces have placed unprecedented demands on Medicare that cannot be met without major program reform. The oldest baby boomers have just turned 65, heralding the start of a 70 percent expansion in the Medicare population over the next two decades (Boards of Trustees, Federal Hospital Insurance and Federal Supplementary Medical Insurance Trust Funds, 2010, Table II.A3). Continued improvement in our ability to diagnose and treat disease has meant greater longevity and better quality of life, but will drive Medicare costs more sharply upward in the years to come (Congressional Budget Office [CBO], 2010a, Box 1-2). Th

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Aug 25 2011

Insurance protection for your valuables

Posted by Lachlan Bethel in Top Insurance Quotes

If you’ve inherited or were given a valuable piece of jewelry or art, you need to do more than find a special spot for safe keeping. You need to make sure you have enough insurance to protect it.

Standard home insurance policies provide coverage for household belongings, but they have limits for precious items, such as jewelry, fine art and furs.

The standard home insurance policy’s coverage limits for theft of jewelry, for instance, is usually $1,500, according to the Insurance Information Institute (I.I.I.).

To increase coverage, you can pay a higher home insurance premium to raise the coverage limit or purchase a “floater” policy. Raising

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