UK Car Insurance - Making A Claim


UK Car Insurance - Making A Claim

If you are unlucky enough to have an accident in the UK, you will need to know some of the basics ins-and-outs of how to make a claim on your UK car insurance.

Personal Injury

The first thing you should do following a car accident is to check and see if anyone in your car or any of the other cars has been injured.  If they have, you should immediately call for medical assistance (ambulance).  Once you have done this, keep in mind that you may need to include a medical report as part of the accident claim.

Call the police

Depending on the seriousness of the accident, you may know need to call the police.

24-Hour assistance

By law you should have a copy of your car insurance certificate with you in your car at all times.  Included in this will be a 24-hour hotline contact number that you can call if you happen to be involved in an accident.  You need to ring this number and ask them what the procedures are you should take.  Remember, in the UK you can have one of several different classes of car insurance (for example, third party or fully comprehensive), so the steps you will need to take will vary depending on this and the procedures put in place by your specific car insurance policy provider.

While on the phone with your car insurance company, remember to ask them to send you an accident report form.  The accident report form should be fairly self-explanatory, but if you have any problems completing this, then it is a good ideal that you call your insurer and clear up any misunderstandings before you submit this form.


Collect evidence of the accident

Having called your insurance provider and asked for assistance, it is a good idea to collect some evidence about the accident.  This can include taking the names of any eye witnesses and/or taking photographs of the accident (mobile phone cameras are useful for this purposes).

Repairs to your car

It is very important that you understand that any costs you incur with respect to your car following an accident are for your own account (i.e. you pay) unless you have agreed these beforehand with your insurance company.  As such, it is not a good idea following an accident to just take your car off to a garage and have the repairs done – as you may well find your car insurance company will not agree to reimburse you.  Far more sensible is to phone the car insurance company first and ask them if there is any specific garage in your area where you need to take the car for repairs.

Keep receipts for all expenses

Even if you think that it is unlikely you’ll be reimbursed for the cost, if you have an accident and are going to make a claim with your car insurance company then it is vital that you keep a receipt of all the expenses incurred.  Keep in mind that if you do not have a record of the expense, it is highly unlikely that your car insurance company is going to reimburse you.

Universal Life Insurance


Universal Life Insurance

Universal life insurance is just one of several types of life insurance policy available through life companies today. Unlike term life insurance or mortgage (reducing) life insurance, universal life insurance gives your insurance policy a cash-in value, allowing you to withdraw funds accumulated on your universal policy as and when needed.

This flexible approach to life insurance is very popular in the US and offers a real alternative to standard term & mortgage life policies where the policyholder does not normally get to benefit directly from the life insurance funds, unless they are diagnosed as being terminally ill. Universal life insurance also provides policyholders with the ability to accrue interest on their life insurance premiums - something that a standard life insurance policy does not offer.

How universal life insurance works
Universal life insurance works in a similar way to a high interest long-notice deposit account. When an insurance premium payment is sent to the life company the company deposit the funds into an interest account after deducting a nominal expenses charge per deposit. The funds then gain interest, with interest accrued being credited to the account on a monthly basis. Each premium payment made of course increases the fund, while compound interest is earned on the account month upon month. The cost of maintaining the insurance product or products purchased through the universal insurance scheme are also deducted from the universal account on a monthly basis.

Should the insurance policyholder wish to withdraw funds from their universal life policy then they can do so from the cash surrender value of the life policy. Withdrawals are normally controlled / limited to a set number per year. Depending upon the policy provider there may also be caps on the amount of money that the universal life policyholder can withdraw and a stipulation on a minimum amount of funds that should remain in the universal life account.

It should go without saying that withdrawals from a universal life insurance policy will reduce the overall amount of funds available when a lump sum claim is made upon death or terminal illness diagnosis. It is therefore important to manage the universal life account to ensure that there is sufficient coverage for your family and dependants in the event of your death. If you don't have the time to carefully manage a universal life product then you may end up with little to show for your life insurance premiums if and when a lump sum pay out is triggered.

Dental Insurance


Dental Insurance

Dental costs are becoming an increasingly significant health care expense and more and more people are making sure they are protected against these costs with a dental insurance policy. Dental insurance policies typically work in the same way as any other medical insurance policy. You will pay your monthly premium and this will entitle you to specific dental care procedures such as checkups, cleaning and x-rays. You will also be covered for other procedures that are deemed necessary to keep your teeth and gums in good health.

Comprehensive

As with all insurance policies, they will vary in what treatments they cover and how much they cost. While more expensive policies will give you greater benefits and allow you access to a greater range of services, cheaper ones will be restricted in what they cover and you will be required to contribute to the cost of procedures you require. If you think you will need dental surgery, oral implants, the services of an orthodontist and other more expensive forms of treatment, you will probably want to go for a more comprehensive policy.

One of the main differences between medical and dental health care is that children generally require far more treatment and expense than adults do. This is true right up through your child’s teen years when orthodontists’ bills can often be extremely expensive. You may therefore wish to cover only your children with dental insurance and you should check with your insurer to see if this is possible. While some insurance companies will allow children to have their own dental insurance policies, others will only insure them as part of an adult or family plan and if this is the case you will require to insure them with your own dental insurance provider and this may mean taking out dental insurance for yourself if you do not already have it.

Discounts

Another option offered by some insurance companies is to take a form of dental discount card. This is not dental insurance in the strict sense of the meaning but does provide you with discounts on dental treatment when you require using them. They can be a cheaper way of obtaining limited protection against dental costs and for this reason are growing in popularity. Not all insurers will provide them so shop around and see what’s on offer. As with all insurance, there can be great differences is what you will be offered for your money and considering that dental insurance can be a significant expense, it is wise to make sure you know what is available before you decide to opt for any policy.

Flood Insurance


Flood Insurance

There are many risks that people are accustomed to insuring against. These will include, health insurance, auto insurance and fire insurance. There are others that are less familiar, such as dental and flood insurance but there are many reasons why you should reassess the insurances you currently have in place and perhaps consider relocating them to cover the risks that you are most afraid of experiencing.

For example, did you know that losses due to floods are thirty times more likely to occur than fire losses? This is especially true if your home is located in a flood prone zone. While flood loss is generally less devastating than fire loss, if your home is located in a flood prone zone, the chance of even experiencing catastrophic damage is still 25% greater from flood than from fire.

Flood loss

Most basic home insurance policies do not automatically include flood loss as standard. Commercial property policies are the same, with flood loss only being covered if it is specifically mentioned in the policy. If the flood is extremely severe, it may be classified as a disaster site by the federal government. This will cause some protection to be made available in the form of loans. These loans, which come through the Federal Emergency Management Assistance program, are not like insurance however, as you are required to pay back the loan that they give you, as well as any other home loans you already have. They will also require you to carry flood insurance in the future. The other thing about the Federal Emergency Management Assistance program is that it only kicks in if your area and flood are declared a federal disaster site. This can be fairly rare when compared to the amount of floods that are experienced annually.

Flood insurance will be offered by various insurance companies but should be backed by the National Flood Insurance Program. This type of coverage, which is supported and regulated by the federal government, is the only type of flood insurance that will fully protect your home and contents from rising water flood insurance.


Shop Around

If you are considering taking out a policy of this kind, shop around for the best rate and find out what is covered and what is excluded. It may be that a specific company’s exclusion is exactly the situation in which you require coverage and other companies may not have the same exclusion so you are wise to shop around. Also, all insurance companies vary in what they offer and what they charge. Do not accept the first offer or quote you receive and do not expect all companies to provide the same deals. You should always shop around when it comes to insurance and find yourself the best deal available.

Business travel insurance


Business travel insurance

Traveling is a part of our day-to-day life. We all travel because of one reason or other and can be national or international. Traveling always involves risk. So, whether you travel for pleasure or business, it always safe to travel with proper travel insurance. If your are properly insured, there is no need to worry about the risks involved in traveling like loss of luggage or baggage, flight delay, accident, medical emergency or evacuation.

Formerly, Travel Insurance was considered as a luxury. But now travelers are aware of factors that are not under their control like trip cancellation, medical emergency, evacuation, flight delay, loss of baggage etc.

There are many kinds of insurance policies. Travel Insurance comes in front of you in different shapes like Travel Health Insurance, Travel Medical Insurance, Vacation Insurance etc. Whether it a business or leisure trip, proper Travel Insurance is crucial because of many reasons. It protects your travel investment, belongings and health. You can hold travel insurance for personal and business purpose it is always true that a proper Travel Insurance makes your trip memorable.

Apart from personal insurance, Business Travel Insurance also covers computers and other business equipment of businessmen or travelers who travel for a business purpose.  Business Travel Insurance makes perfect sense and is always a policy or contract under which the insurance company agrees to pay a sum of money to the insured for a damage or loss or injury as a result of some uncertain event during his trip. This can include flight delay, baggage loss, medical emergency, accident or disasters. Under a Business Travel Insurance contract, the insurer pays for business loss or damage faced by the insured during his trip.

Many things can go wrong during your business trip. This can be your baggage loss or a flight cancellation, or your destination become unreachable due to bad weather, or even you can fall ill and have to postpone the trip.  You cannot control such events, but with the help of proper Business Travel Insurance, you can minimize their outcome. Whether it is a small enterprise or a large corporation, the success of a business is largely based on the dedication and hard work of the members of that organization. But it doesn’t matter how industrious you are, because one disaster or catastrophe can destroy your business and wipe out all the profits. The only way to make sure that the effort and money that you invested doesn’t fade away when a disaster smacks is by protecting your business with appropriate insurance.


About Author:

Adrian Rogers - For related articles and other resources, visit : www buy travel-insurance com

Car Insurance Basics


Car Insurance Basics

Car insurance is basically insurance that drivers can purchase for any kind of vehicle in order to protect against losses sustained in traffic accidents.  Auto insurance policies are, in reality, a bundle of different coverages.  This insurance will usually cover the insured party, the insured motor vehicle, and any third parties involved.  Different policies will identify the situations in which each of these entities is covered.

Below are the specific coverages involved when you purchase car insurance.

- Liability Insurance: Liability coverage is the most basic and foundational coverage in car insurance policies and is required in most states.  This coverage ensures that if you are the one at fault in an accident, your liability insurance will pay for the physical injury and property damage expenses of any third parties involved.  This coverage includes legal bills.  Remember that third parties can sue you for “pain and suffering” damages.  Minimum insurance may not sufficiently cover you in more extreme cases, which is why many people recommend that drivers purchase more than the state minimum required.  Liability coverage limits are usually conveyed with three numbers.  For example, liability limits of 20/50/10 indicate that there is coverage of $20,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $10,000 in property damage coverage per accident.

- Collision Coverage:  In the case that you are in an accident, collision insurance will pay for the repairs that your vehicle requires.  Collision coverage is usually the most expensive coverage that you will have to pay for.  Insurance companies will declare a vehicle “totaled” or a “write-off” if the replacement would be cheaper than the repairs needed.

- Comprehensive Coverage:  This coverage will pay for any damages to an automobile that were not caused by an accident.  Qualifying damages include damages arising from carjackings, vandalism, natural disasters, and hitting an animal.

- MedPay, PIP, and No-Fault Coverages:  MedPay will pay for the medical expenses of you and anyone else in your car after an accident, regardless of whose fault the accident was.  PIP (Personal Injury Protection) and “no-fault” coverages are other forms of medical payment protection.  They are broader than MedPay and may be required in certain states.  These expanded coverages cover child care and lost wages.

- Uninsured and Underinsured Motorists Coverages:  UM (Uninsured Motorists) coverage will pay for injuries you have sustained if you are involved in a hit-and-run by a driver who does not have auto insurance, and is mandatory in many states.  UIM (Underinsured Motorists) coverage will pay for you if the driver who hit you creates more damage than their liability insurance can cover.

- Supplemental Coverages:  Rental reimbursement is an add-on that will cover rented vehicles in case of damage or theft.  Auto replacement coverage ensures that your automobile will be fully repaired for replaced even if the costs are more than its depreciated value.  Coverage for towing and labor covers you in case of an auto failure on the road where towing is necessary.  These supplemental coverages are usually offered as separate items or included in larger policies.

What is Travel Insurance?



What is Travel Insurance?

Many of us take out holiday insurance, but few know really what it is and how it can be defined. If you know what is included, you will be able to make the most of your protection.

In general terms, holiday insurance protects a traveller’s holiday costs against adverse events such as cancellation and interruption and also reimburses medical expenses, the loss or damage of property and transit delays. Travellers are compensated if they have to cancel or interrupt their travel, they will also be covered should they need emergency medical treatment, medical evacuation and other situations.

The main categories of holiday insurance:

Delays and cancellation – including curtailment

Delay: This reimburses travellers for hotel, food or clothing expenses in the event of a flight delay. Some plans also cover costs associated with catching up with a cruise should another delay cause the traveller to miss embarkation.

Cancellation: Reimbursement comes into effect if travellers have booked and paid for a holiday, but are unable to embark because of personal illness or injury, death (of the individual or of a family member), adverse weather conditions, airline strikes, terrorism, bankruptcy, sudden unemployment, jury duty or by sustaining serious damage to their home causing it to be uninhabitable due to fire or flooding.

Interruption: Insurance companies pay money to policy holders abroad if they have to cut short their trip due to illness, death (of the traveller or a family member), weather, airline strikes, terrorism, bankruptcy, becoming unemployed, and other adverse conditions which mean that, due to events outside the control of the holiday-maker, a trip has to be curtailed.

Medical reasons

Medical and health reasons: Reimburses medical and emergency dental costs. Almost all holiday insurance plans work by reimbursing the traveller after they have paid locally for treatment. Claims are usually paid within 7 – 10 days. Pre-existing conditions are covered by most policies if the policy is purchased within (at the most) 21 days from the date the traveller made the first payment or deposit.

Medical evacuation: This provides emergency transportation to either a local hospital in the event that the traveller is unable to get there by themselves or back to a hospital near the traveller’s place of residence. If family members are covered on the same policy they can return home also.

Death of traveller

Air Flight accident – this covers death or dismemberment during an air flight only. Usually provides the highest amount of coverage due to fairly low likelihood of this occurring.

Common carrier – Covers death or dismemberment while travelling on public transport such as a plane, ferry, train bus or taxi.

Accidental death – covers death or dismemberment at any time of your trip. Usually provides the lowest amount of coverage due to a higher risk

Loss or damage of personal effects

Baggage loss – reimburses travellers for lost, stolen or damaged personal items. This coverage is usually restricted to the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total claim and per item maximum. Some policies also place limits on the type of items that can be claimed for – such as precious jewellery, laptops and sporting goods

Rental Car damage – Reimburses travellers for damage or loss to a rental vehicle. It is designed to allow the traveller to decline collision damage waiver (CDW) coverage offered by the car rental companies. Liability coverage should still be purchased through the car rental company. Rental Car Damage coverage is also often included with the credit card used to pay for the car rental which is often matches the coverage provided in the policy.

Assistance services – provides a 24-hour collect telephonel advice and assistance service to travellers. This service can be used anytime a traveller needs advice. Make sure you don’t leave home without it.

In conclusion

holiday insurance is the one product in the modern insurance-saturated world that really is essential. You will not regret taking it out, but not being insured for your travel mishaps is a source of huge regret for far too many holiday-makers every year.

Don’t leave home without your toothbrush, a sketch pad, a bar of scented soap and a holiday insurance policy!

Florida Health Insurance



Florida Health Insurance

Florida health insurance costs can prove to be a very real obstacle to many Florida consumers that are searching for a comprehensive and affordable Florida health insurance policy. Florida health insurance premiums can be pricey at first glance. However, when you consider that even some routine surgeries plus a week or more in a Florida hospital could cost upwards of six figures then the importance of finding a Florida health insurance policy that is both comprehensive and affordable cannot be underestimated.

   The Florida health insurance market is a very competitive market. This is at once a very good thing and a very bad thing for the Florida health insurance shopper. The competitiveness of the Florida health insurance market is good for the Florida consumer because it forces the top companies to drive down their rates in an effort to maintain affordable health insurance policies as they compete against each other for your business. The negative aspect of the Florida health insurance market’s competitiveness is that many insurance companies are attracted to the strong demand for health insurance in the state of Florida and not all have the sterling reputation of an Aetna, Humana, or a United Healthcare.

   Without mentioning names, this strong demand for Florida health insurance will attract health insurance companies to Florida that are forced to put calendar year limits in their policies or only cover benefits up to a certain amount (an indemnity style policy) in order to try and compete with stronger, more established companies.

   Just to contrast the seriousness of this, imagine that you blow out your knee as you are exercising and you have to have arthroscopic knee surgery and a week plus in the hospital brings the total bill to $100,000.

   With a strong reputable Florida health insurance company with an established dependable network such as one of the Florida health insurance “Big 3” (Aetna, Humana, and United Healthcare) you will have coverage of anywhere from $3,000,000 to $5,000,000 per person without any calendar year limits and without limits on benefits payable for certain procedures. That $100,000 hospital bill is whittled down to your maximum out of pocket cost of probably around $3,000 to $5,000 depending on your policies deductible and coinsurance amount.

   Now imagine that you had decided years back that you wanted to go with a Florida health insurance company that you had never heard of until then and purchase a seemingly attractive indemnity policy or a policy with a calendar year limit: if the limit on the policy is for say $10,000 for that particular procedure or maybe only up to $200 a day for every day in the hospital… guess what? Once you reach that limit threshold you are stuck with the rest of the bill. It is as if you do not even have insurance once you reach the limits in the policy.

   The different Florida health insurance policies can be difficult to navigate without the assistance of an expert independent insurance agent. View Florida health insurance quotes from the top companies side by side and compare them to ensure that you have both affordable and comprehensive Florida health insurance.

Cheap Car Insurance


Cheap Car Insurance

Yes! It is possible to get cheap insurance. The best way to find low cost insurance is to get insurance quotes from several different companies and then you can see what the cheapest rate is. Here is a list of some things that contribute to the cost of your insurance.

The first factor would be the area in which you reside. Insurers look at your neighboring area. If your area has many accidents it will affect and increase your premium rate. Most of the time, you will find more fender benders in inner city area. In rural areas you might find more severe accidents. The reason for this would be because of the higher speeds on the open highway.

The second factor would be the type of car you own. If you have an older vehicle with some damage your insurance will obviously be cheaper. Owning an expensive sports car will surely increase your insurance rate.

The third factor would be young driver discounts. Some companies offer discounts for good students with a 3.0 grade point average as well as drivers training discount. If you put the two together the discount can be quite significant.

The fourth would have to be matured driver and retired discounts. Some companies can offer retirement discounts and mature driver discounts to lower the rates for senior citizens.

These were just a few things that can contribute to your insurance rate. Be sure to ask about any discounts when shopping for your car insurance. Think about where you live, your vehicle and how you arrange your coverage. If you do a little more research and educate yourself it will help you get the insurance that is right for you, and an insurance that will save you more money. So go out inform yourself and save money on your car insurance!

Car Insurance Top Tips


Car Insurance Top Tips
The car insurance industry has got really competitive in the last few years, so prices haven't really changed much. There are now over 100 car insurers to choose from, so there are some very good deals out there for those who are prepared to shop around. 23% of motorists still choose to insure with the same company as the year before, but they could undoubtedly save money if they did check out some other companies.

Motorists could be forgiven for not getting other quotes, it used to be a very laborious exercise involving long waits while getting routed through the call center, and boring repetition of facts to sales advisers. Now, thanks to the internet, it's all a lot more simple. Car insurers also offer extra discounts to people who buy online.

However, you need to consider the quality of the policy, not just the price:

• Check that your low quotation is not due to an extremely high excess.

• Check that you will get a courtesy car if your car needs to be taken in for repairs.

• Check that legal insurance cover is included, if you want it, and automatic windscreen replacement.

• Find out if there is an accident help line in case of an emergency.

It's a good idea to ring the insurer direct to talk through the policy in detail before signing up online.

Money saving tips – recommended!

You can get a quote with over 40 car insurers if you input your details into a good car insurance broker's website. You'll only need to give your details once. Call the insurer with the quotation to check exactly what is and isn't covered.

If you have a garage, then you'll save by keeping your car there overnight. You'll also make savings if you can keep your car on a driveway. This is because there is more chance your car being broken into or vandalized if it's kept on the road.

Give your insurer an accurate picture of how many miles you do each year – you will save if you travel less.

Some occupations, like being a landlord, journalist or professional footballer (if only) attract higher premiums. You can save money if you work in finance or the civil service.

Get married! Men under 30 pay more if they're not married – it's just the excuse your girlfriend is looking for!

Under 25's pay more, but you can get lower premiums if can put a driver over the age of 25 with a good driving record on your policy as a named driver. That person must be under 60 though, as premiums rise again at that age.

Agreeing to higher excess (the average cost is £100) will help lower your premiums.

If your car is not of a high value, you could get third party cover and make quite a saving compared to fully comprehensive insurance.

Pay as you go insurance is a new option for 18-21 year olds. It's a recent development introduced by Norwich Union, in which you pay a unit cost per mile. The cost per mile is more between 11 pm and 6 am. You pay an initial fee of £199 to have a Global Positioning System fitted to your car, and then it transmits details of your mileage direct to Norwich Union. They send you a monthly invoice and you pay for the miles you've done!

Taking Pass Plus lessons to improve your driving abilities could save you around a third on your premiums. They cost £15 - £30 an hour and cover driving at night, in busy rush hour jams and fast motorway driving. You can find out more at www.passplus.org.uk . You can also improve your driving skills and make insurance savings with the Institute of Advanced Motorists ( www.iam.org.uk ).

Find out the insurance group of a car before you make the purchase. There are twenty insurance groups – the slower and less desirable the car (to criminals) then the lower the rating. You could make considerable savings by choosing a car in a lower insurance group.

If you want a high spec or performance car then you can expect to pay a lot more on your insurance. They're a lot more likely to be stolen or involved in an accident. Making the sensible choice might be a bit boring, but it will be a lot cheaper.

Watch your speed. Most insurance companies will let you get away with a single fixed penalty fine but if you repeat the offence then your premiums will rocket.

Protect your no claims discount as soon as you can (usually after four years). It costs a bit extra but it's well worth it.

Satellite navigation in your car will lower your premiums. Insurers have found that people concentrate more on their driving and less on trying to find their way, which means less chance of having an accident.

It's a good idea to have an engine immobilizer or alarm fitted not just because it could help you keep hold of your car, it will also make you a saving of 5-8%.

If there's two or more cars in the household, get them on the same policy to get a good discount.

Car Insurance Explained


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Finding the right policy and the cheapest insurance cover can be a tricky process; drivers use the Internet, by telephone, read magazines, watch TV advertisement to get information on savings and offers on car insurance.

Owning and driving a car means taking on many risks to yourself and others. When a traffic accident happens, damage, injuries, loss or all of these factors may be inflicted upon you and others. Damage and loss of your property may also occur. Fire, theft, vandalism and natural disasters are other possible risks.

Car Insurance protects motorists and drivers against liability in the event of accidents they may cause. It can also provide cover for the motorist's own vehicle.

Many different types of cover are available, ranging from third party cover which protects individuals against liability should they injure a third party or cause damage to a third party's property, but does not provide any cover for the individual's own vehicle or property, through to comprehensive cover, which can offer protection for accidental damage, theft, fire damage as well as liability towards third parties. The minimum legal requirement for car insurance to drive in the UK is Third Party Only.

Here are 5 steps to follow to find the cheapest deal:

STEP ONE: EXCESS
Voluntary excess – the easiest way to cut your insurance premiums is to accept a higher voluntary excess.  An insurer's standard excess may be £100; but if you meet the first £250 of any claim, you'll see a reduction in your premium.  This is simply because you are more of the risk so you get a discount by your insurance company.  This however is a gamble, insurer should be aware that they may have to meet the cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a car park crunch.

STEP TWO: SECURITY
One way to get cheaper insurance premiums is to fit a security device.  Many insurers advise insurer’s to use Thatcham rated security equipment, usually minimum of an alarm.  If you are living in a high-risk which may be known for car crime it would be useful to fit an extra security such as steering lock.  This will save you money when your insurance renewal is due and gives you extra peace of mind.

STEP THREE: NAMED DRIVERS
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. When adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is a female.

STEP FOUR:  ANNUAL MILEAGE
If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions, as some insurance companies do give discounts for restricted mileage. However many insurers won't offer this option as standard but will agree a discount if you ask.

STEP 5 - SHOP AROUND FOR GOOD RATES
The biggest potential savings come from shopping around. This has been made much easier with the explosion of the internet. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s).



California strengthen health reforms



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While Massachusetts previous year became the first state wanting each one to purchase health insurance, the proposals in California could come up with an even bolder trial, because the Golden State's problems are so much larger. "It's now a bigger face in California," says Marian Mulkey, a senior program officer at California HealthCare Foundation, a non-profit organization think tank. "That's not to say it's insurmountable."

California health insurance, for example, a predictable 4.9 million people are short of health insurance. That compares with a forecast 500,000 in Massachusetts before its plan began. That's why politicians from other states — along with policy specialists and officials in Congress — are watching the California try closely, with its latent to set a nationwide model. Some desire a worldwide program paid for and overseen completely by the government. Some states all individuals must be obligatory to purchase health coverage, while others say such a go-ahead is draconian when premium costs are so high.

Health insurance in California hit a barrier surprises few. The challenge is huge and the solutions are contentious, splitting lawmakers. Republicans devastatingly do not support the two Democratic health-improvement measures, which are in play in California, nor did any back the governor's plan. While their suggestion shares some of the governor's ideas, Democrats part with Schwarzenegger in two important ways: They do not desire to need individuals to purchase health insurance, and they wish employers who do not provide insurance to pay more than the governor proposes.

"Any development in California would make a considerable dent in the problem of the uninsured nationally," says Larry Levitt, a health insurance policy forecaster for the Kaiser Family Foundation, a non-profit study group based in Menlo Park, Calif. "Action in California would make genuine momentum, both in the presidential debate and in other states."

In Massachusetts, years of preparation went into the health-reform attempt before the government — overpoweringly in agreement — passed its measure. "If you are going to refinance one-sixth of the world economy, you would better not do it on a 50-to-49 vote," says Jon Kings dale, head of the state agency overseeing rollout of the program in Massachusetts. "Enacting something is only semi the challenge."

Canadian Travel Health Insurance

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With Canada so close to the US, it is easy to forget that Canada is another country and even though we feel at home when we go there, there are formalities one must have in mind – like having a travel health insurance because the American healthcare system does not pay for treatment outside the US.

There is hardly anything special in purchasing a travel health insurance plan when going to Canada that is very different from doing it for any other part of the world. Maybe one difference is that Canada has a high standard of living and therefore you can reasonably expect that there, like at home, medical and dental services will be more expensive than those in some Third World countries. And this is one more reason to look for the best, not the cheapest travel health insurance plan.

As far as money is concerned, a regular basic plan usually provides coverage for you and your family amounting about $50,000 CAD (about USD 43,000), which is usually enough to cover ambulance service, laboratory examination, doctor’s fees, a short stay in the hospital, etc. But if you are afraid that this is not enough, there are companies that offer over USD 1,000,000 as coverage. And if you go to ski in Calgary, for example, or go on a fishing trip to Ontario, do not let a broken limb ($400-500 with therapy, crutches, etc.) break both your mood and finances.

There are many Canadian companies that offer travel health insurance to Americans and there are many American companies that offer the same for Americans going to Canada, so the choice is unlimited. Just visit their sites and spend some time with the online calculators that allow to enter your age, the duration of the trip, the destination province and your medical condition, and in no time at all you will have plenty of offers to choose from!

Car Insurance



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Nothing is easy even in today’s one-click world.  Buying car insurance can be a big hassle, and take most of a day calling around, talking to different companies to get quotes.  A lot of people don’t have the time to waste to call several different companies out of the phone book, haggling for the best deal and the lowest car insurance rates.  Yet everyone still wants to find the best deal, whether or not they have a lot of time on their hands to shop around with.  If you’re a bargain shopper, then you know the Internet is your best bet to find the greatest deals – on anything.  If you buy your car insurance online, you’re liable to come away with a great deal.

Every car insurance company says they can offer you the best deal and the lowest rates, and it seems almost impossible to get a straight answer when you get a quote over the phone.  Many shoppers feel more comfortable buying car insurance online, in a quick and easy process that doesn’t mean sitting through a long series of automated questions and answers.  By gathering quotes on the Internet, you won’t have to talk to anyone on the phone, answer any questions posed by automated voices, or sit and wait for a human to have the time to talk to you.  The Internet allows you to move easily through the process of getting quotes, and many consumers prefer this method.

If you want to get quotes online, the first rule of thumb is not to go to car insurance company’s web site.  This will limit your quotes and your options.  There are tons of sites out there that allow you to fill out a single questionnaire and then compare quotes side-by-side.  You can, in this fashion, look over the rates and coverage of several different companies at once.  Using the phone as your only tool, getting that many quotes could take hours.  With the Internet, you can compare a large list of quotes, immediately weeding out companies whose prices don’t fit your budget.  Any Internet search will produce web sites that offer comparison-shopping and multiple quotes for your car insurance needs.

Another good way to go when it comes to buying car insurance is to buy through an independent agent.  Independent agents do not work for any one company but for you, the consumer.  They do all the work of comparing quotes for you, and in the end they can usually provide you with a much better deal than what you can find on your own.  Independent agents are offered select deals through car insurance companies, policies and rates that aren’t available to the average person.  You will never have to talk to your car insurance company, and will only have to send them a check every month or six months (depending on your payment plan).  If there is any problem, simply contact your insurance agent and they’ll take care of everything.  The best part is, there are no fees involved with using the independent agent – you only pay your car insurance bill.

Most people have to have car insurance because of state laws, and others just know that having car insurance is a good idea.  Just because you have to have it doesn’t mean you can’t get a great deal at the same time, and the less you have to pay, the better.  You can find the best car insurance rates without wasting a ton of time or staying on hold for hours.  Really, doesn’t everyone deserve the best possible deal on affordable car insurance?

Business Insurance


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There is no denying the fact that success of a business depends on the hard work of the team but one disaster can wipe out your efforts and bring down the profits to dust. So, to avoid such an instance, you need to insure your business, whether it is a small enterprise or a large corporation. There are insurance companies, which have policies that combine protection for all major property and liability risks in one package. You can also opt for separate coverage. Such a policy is called a business owners’ policy (BOP). Larger companies may purchase a commercial package policy. BOPs include property insurance for buildings and equipments owned by the company. If there is any loss of income due to disruption of operation and business because of accidents like fire, it can be covered under the Business Interruption Insurance. There are liabilities, which cover the company's legal responsibility for the harm it may cause to others. It is the result of your company’s failure to do the business operations. It can also be the bodily injury or property damage caused due to defective products, faulty installations and errors in services provided. However, BOPs don’t cover professional liability, auto insurance, worker’s compensation or health and disability insurance. Separate policies are needed for professional services, vehicles and employees. Generally, floods, earthquakes and terrorist attacks are not covered in the business insurance. Protection Against Flood Damage If your office is in the flood zone area, you must definitely go for a policy, which provide coverage against flood. Try to find out whether the place had been hit by flood in the past. Make sure you do something in advance to make up for the loss. Otherwise you may face trouble. Protection Against Earthquake Damage Earthquake is also not included in most property insurance policies such as homeowners and business owners’ package policies. Special Earthquake Insurance Policy or Commercial Property Earthquake Endorsement can cover you if you live in an earthquake-prone area. However, earthquake policies have different deductibles. Business Interruption Insurance, which reimburses you for the lost income during a shutdown, applies only to the damage covered under your business property insurance policy. There won’t be reimbursement for the loss caused due to the closure of business because of the earthquake. For it, you must have an earthquake coverage policy. Protection Against Terrorist Attack Losses In the US, loss due to any terrorism is covered only for those businesses that have optional terrorism coverage. It comes under the Terrorism Risk Insurance Act 2002. Still, there are exceptions in workers’ compensation, which include injuries and deaths due to acts of terrorism.

How to Get Picky Eaters to Eat Healthy Foods



How to Get Picky Eaters to Eat Healthy Foods


When you have children, one of the biggest challenges is making sure that your child eats all of the food that he or she needs to grow in a healthy way. Healthy eating is important from birth! If your child doe not get the right nutrients in his or her food, it is possible that his or her growth will be stunted or that he or she will become ill. However, if you have a child, than you also know that getting your young one to eat healthy foods is many times met with resistance. While it is easy to get a child to enjoy chocolate cake, broccoli is another issue! Here are some tricks and tips to helping your child get all the nutrients he or she needs.

A great way to teach your children new skills as well as get them to eat healthy food is to get them to help you in the kitchen. Children as young as three and four love to help with simply things like stirring and pouring, while older children can learn to crack eggs, measure ingredients, and teens can even help to cut vegetables and cook entire meals. When a child sees what is going into food, he or she will be more likely to eat it. Children also will be more likely to eat foods that they help to cook because they are proud of their accomplishments.

Another great way to get a child to eat healthy foods is to look for kid-friendly options. For example, if your child is not getting enough dairy foods, low-fat string cheese is a healthy snack option that is also very fun to eat! You can also find crackers that come in kid-friendly shapes and finger foods.

If you are extremely worried about your child getting enough of the proper nutrients he or she needs for daily life, you can also find vitamin supplements to help your child’s diet. A number of brands makes vitamins that come in fun shapes and sizes so that you can convince your child to take them. There are also powered drinks and other enriched foods you can give to your child in order to make sure they get all of the nutrients they need.


The bottom line is that you need to make sure that your child is staying safe and healthy, no matter how picky they may be. If you child refuses to eat a specific food, he or she probably simply does not like that food, and you should provide another choice. However, if he or she is refusing most foods, you must be firm about eating nutritious foods. Talk to your pediatrician in order to find out proportions and types of foods that your child should be eating. 

Carbohydrate Craze


Carbohydrate Craze


Carbohydrates have been put into the spotlight ever since diets like the Atkin’s Diet and the South Beach Diet have recommended cutting carbohydrates out of your meals as much as possible. However, before you make an drastic decisions about what foods to include and not include, it is crucial to learn about carbohydrates and what they do for your body.

In short, carbohydrates can be good or bad for your body. It is necessary to eat enough good carbohydrates, because that is how our body has enough energy for low-intensity activities during the day. Carbohydrates are famously found in breads and grains, but actually they are also found in a number of other foods as well, such as fruits and vegetables. When keeping an eye on your intake of carbohydrates it is important to distinguish the good from the bad.

All carbohydrates are basically sugars. Complex carbohydrates are the good carbohydrates for your body. These strings of sugar are very difficult to break down and trap over nutrients like vitamins and minerals in the sugar strings. As they slowly break down, the other nutrients are also released into your body, and you can provide with fuel for a number of hours.

Bad carbohydrates, on the other hand, are simple sugars. Because their structure is not complex, it is easy to break down and holds little nutrients for your body other than the sugars from which it is made. Your body breaks down these carbohydrates rather quickly and what it cannot use is converted to fat and stored in the body. Staying away from simple carbohydrates is what most diets recommend, since they have little nutritional value when compared to complex carbohydrates.

More importantly than how carbohydrates work in the body and the difference between good carbohydrates and bad carbohydrates is how you can actually eat these carbohydrates! First, eat plenty of fruits and vegetables. These foods include carbohydrates, but also a variety of other nutrients needed by your body. Another great tip is to cut the white bread and bread products out of your diet and replace then with whole wheat or 12-grain breads instead. Look at the packaging. Foods rich in fiber are probably a source of good carbohydrates.


Learning the difference between good and bad carbohydrates is very important if you wish to have a healthy diet. It is not good for your body to cut out carbohydrates completely—in fact, that is very difficult to do unless you only eat meat! Eating a healthy and balanced diet means including good carbohydrates into your meals. 

Healthy Eating with Little Money


Healthy Eating with Little Money


If you are interesting in eating a healthy diet compared to your current diet, I have good news or you—you don’t have to be rich to do so. It is fully possible to involve yourself in healthy eating, even if you are on a very tight budget. This may require a little bit of extra time and effort to plan your meals, but you can make good and inexpensive food choice in order to provide your body with excellent nutrition.

First, it is important to plan for your healthy diet. When you go shopping, take a list with you of the healthy foods you need to purchase instead of walking up and down the aisles without a plan. When you have a shopping list, you are less likely to purchase random junk foods that you do not need, and so you’ll save money as well as be good to your health. Planning ahead with a list also allows you to look through store sales fliers in order to choose healthy foods that are offered at discount prices that week in particular. When you do go shopping, make sure that it is not on an empty stomach, when you will be craving fatting foods and will be more likely to overspend and waste money on unhealthy products.

You should also consider purchasing items in bulk. Many club stores have a membership fee, but you can save a lot of money if you have an adequate amount of freezer and pantry space. Look at the healthy foods you need, and then head to the bulk-food supply store in order to grab enough of the item for the next month. Remember to choose foods that are both healthy and the freeze readily.

Eat at home as much as possible. When you go out to eat or stop at a fast food restaurant on your way to and from work or during your lunch break, you will pay extra money for the convenience of someone else preparing the food. These foods are also usually high in calories and low in nutrients. Instead, calculate the money you would normally spend to eat out and then use it to buy more expensive healthy ingredients at the supermarket. You can make breakfast and dinner and also pack a lunch to carry to work or school.


Purchase foods that are in season. Fresh fruits and vegetables are usually very high in nutrients, but when you want strawberries in January, you’ll end up paying the extra price. Learn when fruits come into season in your climate and purchase them at those times of year. You can learn to can or otherwise preserve these fruits and vegetables if you want to have them all year round! Of course, heading to your local farmer’s market is a great way to purchase these items and save money. Healthy eating on a budget is all about being creative with the money you do have.

Why Breakfast Really is the Most Important Meal of the Day


Why Breakfast Really is the Most Important Meal of the Day


By now, I’m sure you’ve heard people say that breakfast is the most important meal of the day. However, that doesn’t stop millions of Americans, and people around the world, from skipping breakfast or opting for only a drink of coffee. The truth is that breakfast really is the most important meal of the day, and you will have a much more healthy diet if you include breakfast in your daily life.

Breakfast is rightly named—break fast. When you sleep, you are not eating for 6 to 9 hours at least, and more if you haven’t eaten since dinner the night before. Therefore, breakfast is the first time you’ll be eating anything for a very long period of time. Some nutrients, like proteins, cannot be stored in the body and are therefore not present, so the body needs you to replenish the “low” levels of such nutrients. Breakfast is like the match that lights the fire. It truly is a very important source of energy for your body in the morning.

Eating breakfast in the morning also helps you avoid some illnesses and disease. For example, your sugar levels are probably out of whack from not eating for many hours, so having breakfast levels out the amount of sugars in your body, helping to prevent diabetes. Eating a healthy breakfast also helps you to provide food to your stomach so that you don’t overeat at lunch because you are so hungry. Overeating leads to obesity, which comes with a whole host of problems, including heart disease.

Healthy breakfast foods, like eggs, fruit, or bran cereal are also a good source of many of the vitamins and minerals a person needs during the day. If you don’t eat these things in the morning, it will be hard to make up for that loss later in the day. Remember that without the proper amounts of nutrients, you body will not function correctly. When you eat a healthy breakfast, it also makes you choose healthier foods during the rest of the day, so that you continue to get the proper nutrients needed for your body.


Setting aside 15 minutes in the morning to eat breakfast every day can truly make a great different in your diet. In the best case, your breakfast will include foods from at least three different food groups. For example, you can have whole grain toast (bread food group) with peanut butter (protein food group) and a banana (fruit food group). Top that off with a glass of milk to drink, and you’ve even hit a fourth food group. Breakfast does not have to include a heavy pancakes and sausage meal every day to be healthy, and even grabbing a single piece of fruit or a muffin is better than skipping the meal completely. Breakfast is important to your health!

Prevention for Healthy Eating



Prevention for Healthy Eating 

Eating healthy foods will help you to boost your immune system, but what if it’s the foods themselves making you sick? Foodborn illness can cause food poisoning and a variety of other more dangerous diseases, so they are a real threat to our bodies. Luckily, there are a number of things you can do to prevent foodborne illnesses. Following safety tips when handling, preparing, and storing food is very important.

First and foremost, you should be concerned with the temperature of your foods. When cooking meat, make sure to use a thermometer in order to make sure that you meat is reaching to proper temperatures inside. Some meats, like beef, can be served rare safely, but proper temperatures are crucial. This kills any bacteria that may be growing on the meat. In the case of burger and other loaf meats that have been ground and formed into patties, you should not eat rare meals. The bacteria then easily is found inside the meat as well as on the outside, and you are at risk if you do not cook these meats for a long period of time to kill any bacteria.

After your food is cooked, you should continue to monitor temperature. Simply put, keep hot foods hot and cold foods cold. Hot foods should be kept at temperatures above 140 degrees Fahrenheit, while cold foods should be kept at temperatures below 40 degrees Fahrenheit. The range between that is where bacteria can grow. When letting food cool for refrigeration, place in the refrigerator after no more than two hours, and when thawing meals, do so in a bowl or pan in the refrigerator, rather than at room temperature.

Cross contamination is a huge culprit when you are concerned with preventing illness and your food. Cross contamination is basically the moving of bacteria from one dish to another. This happens when you use dirty cutting boards, don’t wish your dishes properly, and use the same utensil for all of your foods. If you use, for example, a knife to cut raw chicken and then use that same knife to cut your food after it has been cooked, some of the bacteria from the raw chicken has probably remained on the knife, which can make you very ill. Make sure that you are using a clean work space and clean tools whenever you cook.


Along with using a clean environment, you should make sure that you are washing you hands regularly. Every time you touch raw foods, you should use disinfecting hand soap and hot water to make sure that no bacteria remains on your hands. Making sure that your food is safe is one of the most important parts of healthy eating, so don’t overlook this step the next time you prepare a meal.