Insurance Blog

Recent research by Zurich Insurance has found that tenants across the UK are gambling nearly £8billion of personal possessions by not protecting themselves against bad weather or crime.

Almost a million private renters (37 per cent of those surveyed) have confessed they have no contents insurance, despite the fact that a third (33 per cent) of private renters surveyed said that they estimate their possessions to be worth more than £10,000 in value, with some individual items worth over £1,500.

More worryingly, a fifth (22 per cent) admit that it would take over two years to replace all of their possessions if they were stolen or damaged and a third (32 per cent) think that they would never be able to afford to replace all of their personal belongings.

One in 10 (eight per cent) of those who do not have insurance mistakenly believe that their landlord’s insurance policy covers their contents, while a quarter (24 per cent) believe that their risk is simply not high enough to make insurance worthwhile.

For some renters it’s other financial priorities taking over. The pressures of paying bills (56 per cent), debt repayments (36 per cent) and pension contributions (12 per cent) are seen as more important than taking out cover for their home possessions, despite the fact that this attitude could cost dearly in the long-run.

Frivolity could also be to blame for tenants forsaking contents insurance, as some respondents said that they saw spending their money on luxuries such as holidays (10 per cent), socialising (9 per cent) and buying new clothes (7 per cent) as higher priorities than insurance.

Steve Gilbert, home underwriting manager for Zurich Insurance said: “At this time of year, when many households are still recovering from the cost of Christmas, contents insurance is often seen by renters as non-essential, and can slip down their list of priorities. Be it funding other financial priorities, their lifestyles or even perhaps saving to get a foot on the property ladder themselves, they need to be aware that not having insurance could cost them dearly in the long run – especially if faced with the daunting prospect of replacing all their possessions.

“Whether renters are simply willing to risk their goods, or if it’s a matter of confusion over who’s responsible for cover, we urge all renters to take some time to investigate their position, consider their risk and see if they can really afford not to be covered.”

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[Via ArticleCube.com: Finance | Insurance]

With both the credit crunch and food prices starting to bite, it’s a relief that when it comes to financial products such as insurance, the news is a bit better. According to recent research, home and car insurance prices have stalled rather unexpectedly. Even better, policies for travel and life insurance are now cheaper than ever.

Home insurance premiums were widely expected to go up following last year’s disastrous floods. However, according to the latest British Insurance Premium Index from the AA, these price rises haven’t happened. In the first quarter of 2008, average buildings insurance premiums actually fell by 0.2%, and they’re still only 4.5% higher than when the Index started in 1994.

Average combined home and contents insurance premiums fell by 1.4% during the same period.

Andrew Strong of AA Insurance says that the slight fall in premiums for buildings cover can be explained by a rise in the number of risks not being quoted by some insurers, as they become more sensitive to flood risk. The floods were also expected to affect the price of car insurance - and the AA’s index report reflects this: In the last year, the average annual premium quoted for comprehensive car insurance has risen by nearly 6%.

But there is hope: the latest figures show a slight reversal in the trend with average comprehensive car insurance premiums falling by 0.5% in the first quarter of 2008. According to AA Insurance, this is largely due to the time of year. Because it’s currently a ‘peak period’ for car insurance sales, many companies are holding rates down to try and gain market share.

Home and car insurance premiums are expected to rise again over the coming year, so act fast.

On a more positive note, if it’s travel insurance you’re after, there’s some good news. A recent report by financial research company Defaqto has found that most travel insurance policies have never been cheaper.

The vast majority of single trip and annual travel policies have fallen significantly in price in the last year alone. For example, the average premium for a single, week-long, family trip to Europe has dropped by 6.2% since 2007.

Furthermore, the average annual cover premium for a single person travelling in Europe has dropped by 6.7%. Increased competition for travel insurance can be thanked for these falls. The large number of policies available online has triggered a price war between insurers, turning it into a real buyer’s market.

If you’re looking for life insurance, you’ll be pleased to know that these premiums have plummeted in recent years. The average cost of life cover has fallen by 50% over the past decade so it might be worthwhile to trade in your existing policy for a new, much cheaper one.

Two main factors have caused these price falls: The life insurance market has become fiercely competitive, and people are living longer (therefore posing much less of a risk to term-assurance companies and helping to drive premiums down).

It seems that now is a good time to take out a new insurance policy. This is particularly true of car and home insurance, as premiums are likely to rise - possibly steeply - in the months to come.

If your current policy is up for renewal, remember to shop around rather than automatically renewing with your existing company. You’re likely to get a much better deal as a new customer. And if you are thinking of switching policies early, make sure you check what cancellation or early termination fees apply.

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[Via ArticleCube.com: Finance | Insurance]

Whether you are first time car buyer or collector of classic automobiles, it is important – and mandatory - to get your car insured. However, most of us end up paying far too much for car insurance because we haven’t spent enough time researching car insurance quotes.
Fortunately, finding cheap car insurance quotes from reputable companies is easier than you think. CarInsuranceQuotes.com has partnered with companies like AIG, Nationwide and Progressive which helps our customers get car insurance quotes and, ultimately, low prices on their car insurance.
A common misconception about getting car insurance quotes online is that it needs tiring hours of visiting company websites to find cheap car insurance quote. With CarInsuranceQuotes.com, this process has become hassle-free. All you need to do is enter your Zip code and answer a few general questions and CarInsuranceQuotes.com will search our partner companies to find you the lowest car insurance quotes available. And the entire process takes less than five minutes!
The site offers various other benefits to our customers besides just finding car insurance quickly and easily. Some of these benefits include:

• Quote Comparisons- You wouldn’t buy your car without finding out if you can find the same model cheaper and shopping insurance quotes should be no different. CarInsuranceQuotes.com provides multiple car insurance quotes for you to look at and then make the decision on which company you like the best.
• Lower prices- By getting cheap car insurance online, you cut out the middle man. This allows companies to offer lower prices to their customers.
• Convenience- By shopping for car insurance quotes online with CarInsuranceQuotes.com you can find the best car insurance rates from the comfort of your own home. No more phone calls or personal meetings with pushy insurance agents trying to sell you coverage you don’t need.

And these are just a few of the many benefits you will discover when you shop car insurance quotes online. It doesn’t matter if you are looking for car insurance for a new car or a better deal on the vehicle you already own, CarInsuranceQuotes.com is your one stop shopping experience when you’re looking for car insurance rates and more.
Besides these, CarInsuranceQuotes.com offers informative articles that will help you make the best decision possible on car insurance quotes. Some of these articles include:

• Car Insurance Resources - Information on different resources for car insurance.
• Car Insurance FAQ - Commonly asked car insurance questions
• Car Insurance Tips - Tips to lower your car insurance cost today and for the future.

And many more!
Visit CarinsuranceQuotes.com to find out for yourself.

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[Via ArticleCube.com: Finance | Insurance]

Retiring often means living on a fixed income, something that wasn’t always the case when you were younger. It’s not an easy adjustment, and it often means that watching pennies becomes a daily event. When it comes to important issues like health care insurance, though, you want to know you have the coverage you need when you need it.

You also want to know where to get the most cost effective health care insurance and still be covered for all contingencies. This isn’t as difficult as it sounds, as you can take advantage of the parts and plans provided by the government under the auspices of Medicare and the Medicare supplements – designed to fill in the gaps the original health care insurance was supposed to provide.

While you may know about Medicare as it’s in the news more often than not when the country’s debt is discussed, you might not know that much about the parts A – L that are supplement choices to augment your Medicare coverage. With a combination like this, not only can you budget in advance, you will save money on health care coverage.

Another little known resource available for you is a tool that will help you save money on drugs over the year by showing you which pharmacies in your area are offering good rates for the drugs you are taking. You can find this tool at: http://www.medicare.gov/pdphome.asp. Look for the title that says “Medicare Prescription Drug Plan Finder.” You will need your red, white and blue Medicare card and the best option to choose is Personalized Plan Search.

Knowing where to find the best prices for drugs, whether it’s through an approved pharmacy or a mail-order drug company, makes cost effective sense. It’s also a way to find out what other choices you have in terms of generic, less expensive drugs that will work just as well for your condition.

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[Via ArticleCube.com: Finance | Insurance]

How can you lower your car insurance rates? Most of us are curious to know the secret behind cheap car insurance quotes. Here are few tips that you can consider to reduce your car insurance rates.

• Raise your deductible- increasing the amount you are willing to pay at the time of an accident will help lower your car insurance rates by as much as 40%.
• Drop unneeded coverage- If you’re not required to have full coverage on your vehicle, switch to liability. Dropping full coverage can cut your car insurance by as much as 50%.
• Take a walk- The less you drive your vehicle, the lower your car insurance rates will be. If you don’t need to drive your vehicle and can walk or take public transport, insurance companies will take this into consideration and lower your car insurance.
• Take a safety course- Car Insurance companies love safe drivers. Taking a safe driving course, even if you don’t think you need one, is a great way to lower your car insurance rates.
• Install an anti-theft device- Not only will installing a car alarm deter thieves from stealing your vehicle, your insurance company will take the device into consideration when determining your car insurance rates.
• And the most importantly - Shop around. Cheap car insurance rates are available if we are ready to spend time and make serious effort.

However, most people don’t want to spend hours searching for low insurance rates and that where CarInsuranceQuotes.com comes to the rescue.
CarInsuranceQuotes.com has partnered with a number of highly reputable car insurance companies to help lower costs. When you enter your information into our system, CarInsuranceQuotes.com searches car insurance rates from companies such as Nationwide, Allstate and Progressive. This allows you to see and compare multiple low car insurance quotes from different companies and then make their own decision as to which company they want to go with. No waiting at a desk and no pushy agents trying to get you coverage you don’t need.
Visit CarInsuranceQuotes.com the next time you purchase a new or used vehicle or are thinking of finding cheaper insurance rates for the vehicle you currently own. The process is simple and you will have car insurance from highly respected companies in less than five minutes.
And best of all, the service is free!
Save money and visit CarInsuranceQuotes.com today.

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[Via ArticleCube.com: Finance | Insurance]

The good news is that you will actually save money on health care insurance, or to be more specific, save money on Medicare supplements. This is just about the only area in the whole Medicare health insurance business where you will save money by calling around for quotes. And not just save nickels and dimes either, but enough to make a difference over the year.

It’s possible to save money on Medicare supplements and still be able to get decent health care coverage. Without getting too complicated here, this is possible because in all states Medicare supplements are priced the same. Yes, priced the same, however, insurance companies don’t have to offer anything more than Part A – period. The other letters of the alphabet B-L are optional. And since Medicare supplements parts B-L are optional, insurance companies tend to charge what the market will bear if they offer them at all.

Sometimes the market will bear a higher rate and sometimes not. While this may sound a bit capricious, it’s actually more of a business decision, rather than an effect of market competition. But business decisions made in corporate boardrooms have a way of trickling down to consumers. Say, for instance, you are 70 years old and are asking about Part F or J (which covers all expenses). Call big brand name company number one and the quote is $115 a month. Call slightly less well known company two and the quote is $100 a month – and two simple phone calls garner a savings of $180 a year.

Of course, this is just an example of savings that can be had by calling around for rates on your Medicare supplements. What you may actually discover is that the monthly savings could be larger, racking up a bigger amount by the end of the year. So it’s really well worth your while to make a few calls and get some quotes. Really, saving money in this day and age is a delightful bonus while still getting good health care coverage.

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[Via ArticleCube.com: Finance | Insurance]

Car insurance for woman in UK in definitely cheaper than car insurance for their counterpart male drivers.

But do women really make better drivers? Insurance companies seem to think so. But why? Simply because they are much more careful compared to men! They have fewer accidents according to statistics , and even if they do have accidents they are mostly minor. Consequently, they file lesser number of claims and when they do, it is for lower amounts. Women drive lesser miles and so, their cars have lesser mileage. Women also usually don’t drink and drive. Therefore the need for special female car insurance in UK, which is at reduced costs in contrast to normal car insurance policies.

There are insurance companies that specialize in car insurance policies for women. As this type of insurance is gaining more popularity and makes more sense for both the women consumers and the insurance companies, all major car insurance players are offering lady car insurance in UK as a separate option.

Car Insurance for woman in the UK can be for Third Party Only (which covers car damage and injuries to third party), Third Party Theft and Fire (which covers car damage and injuries to third party; damage to your car due to theft and fire) and Comprehensive Car policy (which covers car damage and injuries to third party, your car damage due to any cause like collision, theft or fire and your injuries too).

Usually, female car insurance in UK has some special offers like courtesy car that can be used while your car damage is being fixed on condition that the repair is done by a garage appointed by your insurance provider, free 24 hour emergency help line to aid you if you are stranded on the road after an accident, flexible payment options, handbag coverage when the contents of your handbag are stolen or damaged, car stereo coverage etc.

Insurers have gone out of their way to attract women drivers by offering car insurance for woman in the UK which is attractive and affordable.

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[Via ArticleCube.com: Finance | Insurance]

With 266 years of experience and over 60,000 miles behind them, a unique breed of motorcyclists, who are quite literally ‘barking about biking’, have been unveiled today by Bennetts. Whilst most dogs remain confined to a lead, these pet-rol heads live life in the fast lane and have been chosen by the insurance provider to launch an online initiative that identifies some of the UK’s weird and wonderful motorcycle riders and celebrates the passion for biking that they all share.

In the next few months Bennetts, the UK’s number one for bike insurance, will be conducting a nationwide search to discover the UK’s wackiest motorcyclists, which has kicked off with a search for the top canine cruisers. After being inundated with photographs and stories from across the country, they whittled down the entries to five top dogs who will be profiled on the company’s website to encourage other bikers to send in their stories and photographs.

Sharing a passion for motorbikes and riding with the wind in their ears, the Bennetts Barking Bikers are:

Boxer Slobber, aged 8 (56 dog years) from Salisbury

Terrier Pepper, aged 10 (70 dog years) from Cheltenham

Border Terrier Minnie, aged 9 (63 dog years) from the New Forest

Terrier Ronnie, aged 2 (14 dog years) from Warrington

Jack Russell Rocket, aged 9 (63 dog years) from Grimsby

With an array of compartments and harnesses to carry the dogs, together with goggles and accessories to ensure they look the part, these howling Hell’s Angels are kings of the road. Having covered over 27,000 miles in her lifetime, Border Terrier Minnie is the most experienced rider, travelling an average of 3,000 miles per year with her owner Peter Garner. With regular journeys of over 50 miles, Minnie is desperate to accompany Peter whenever he goes out on his bike.

Peter says, “Minnie has to be one of the nation’s top barking bikers as there aren’t many places I have visited without my favourite riding partner! Positioning her on the back of my Honda 500 complete with Doggles to protect her eyes, we have great fun on the road and attract a lot of attention from other road users!”

Bennetts Marketing Director, Mark Fells said, “We wanted to launch a section on our website that celebrates the passion for motorbikes which all bikers share and we’re always looking for unusual biking stories - the barking bikers definitely fit the bill! By featuring them on our website, we hope many more bikers share their stories, photos and love of biking with us.”

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[Via ArticleCube.com: Finance | Insurance]

A leading Personal Finance Expert has today revealed that Brits can save a staggering £337,700 over a lifetime by swapping their car for a motorbike.

The study, conducted by Chartered Financial Planner Martin Bamford, was commissioned by Bennetts, the UK’s number one for bike insurance, to investigate the cost difference between commuting to work in a car versus a bike.

With the increasing cost burden on motorists in mind, the research shows that car drivers could save over £6,500 a year (£130 per week) by riding a motorbike, when costs including finance, tax, depreciation and parking are taken into consideration. An easily overlooked expense highlighted in the findings is time – with riders able to save four and a half years over a lifetime from beating the traffic jams on a motorbike as opposed to a car.

The overall findings suggest it costs a staggering 47% more to drive a car to work rather than using a motorbike in the current economic climate. The saving is particularly relevant for Londoners, with those riding a bike in the capital saving a massive £1,920 a year getting to work by escaping the £8 a day congestion charge to enter into the central congestion charging zone.

The research was commissioned by Bennetts to support Ride to Work Day which falls today (16th July). Ride to Work Day is a national campaign introduced by the Motorcycle Industry Association (MCIA) to encourage all motorcyclists to get out and about on their bikes and ride to work, ideally with a pillion.

Endorsing the cost return in riding a motorbike, Martin Bamford found that bikers can make substantial savings of over £6,500 per year which include savings such as;
• Depreciation – £2,074
• Tax – £97
• Finance - £2,255
• Parking – £2,328

*Based on the average commute of 39 miles, five days a week, over the course of a year.

Martin Bamford says; “Running a car is significantly more expensive than riding a motorbike and with government plans to increase Vehicle Excise Duty, 55% of car drivers will be even worse off when new prices are introduced in 2009/10.”

The Personal Finance expert continued, “People tend to have various misconceptions around biking and often forget about the burden of depreciation - cars plummet in value shortly after you buy them and are an expensive to buy in the first place. The credit crunch is making it much more expensive to borrow money, so financing is likely to be made a lot cheaper if people decide to purchase a motorcycle.”

Mark Fells, Marketing Director at Bennetts says, “It’s incredible to see just how much bikers can save on the roads by travelling around on two wheels. We hope that these findings will encourage people to review their personal transport methods in an effort to lower costs and reduce the hassle of commuting.”

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[Via ArticleCube.com: Finance | Insurance]

Cheap auto insurance is the major issue for most of the peoples as cost of auto insurance is increasing day by day. So you would spent some time for searching the auto insurance company that will offer you the cheapest auto insurance quote for your car.

Auto insurance constitutes the largest market of insurance in almost every country. As it’s required by the state laws in some of the countries and also safeguards the interests of the policy holder against the financial losses that may be incurred by him during his involvements in an accident.

So you can find a variety of auto policies that are available in market but opting for cheap auto insurance you should consider some tips. There are legion of ways to get the cheap auto insurance for your car.

You can switch to auto insurance companies in order to obtain cheap auto insurance for your car or you can go for making some safety changes to your car in order to get cheap auto insurance for your car. Whatever you want to do, you would spent some time for searching the auto insurance company that will provide you the cheapest auto insurance quote for your car.
But when you are buying a new car, the situation can change. You may or may not have any insurance policy. So whatever the case, when you are shopping for a new car is to make sure you have an auto insurance policy before you drive it.
Prior selecting any insurance company compare as many cheap auto insurance policies are possible. If you really want cheap auto insurance then it would be worth giving your time to look at some auto insurance companies and reviews.
While looking for cheap auto insurance for your car doesn’t stop your search at the cheap premium as these cheap premiums may not be as cheap in the long run if the auto insurance company wouldn’t come through for you when you need them.
Another factor to consider about cheap auto insurance is the amount of money a company spends on its advertising. Just remind you that the money that a company spends comes out of its customers pockets. A company which spends a lot of money for advertising cheap auto insurance may end up costing more money later also.
You should visit to ZipMeInsurance as we make shopping for all types of insurance. So don’t worry about cheap auto insurance as ZipMeInsurance is here for you.

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[Via ArticleCube.com: Finance | Insurance]