Nov 13, 2011

Business car insurance policy

Why People Prefer Pay As You Drive Car Insurance Pay as you drive car insurance is growing in popularity around the world. Its benefits far outweigh any negatives.
Have you considered a long term care insurance policy but have not committed because you feel you would not use the insurance benefit? Some with this concern have another option that combines a long term care insurance policy with a traditional life insurance agreement to produce a long term care insurance policy that has a return of premium.
It is catching on in the countries where it is illegal to drive without car insurance. People have been growing increasingly agitated with the fact that they have to pay the same car insurance costs as other people, even if they do not use their cars that often. Older people and those who live in two vehicle households do not drive their vehicles as often as others. There are also some people who make a concerted effort to drive less in order to conserve the environment. These people should all be rewarded for driving less, and pay as you drive insurance seems like the best possible way to do this. But what is pay as you drive auto insurance, and how does it work? There is a small set fee that has to be paid towards the premium every month. Thereafter, the premium is calculated on a cent per kilometer rate which is determined by the regular factors such as age, driving history, the type of car being driven and the security on the vehicle. There will usually be an amount of free kilometers that can be travelled each month before the insurance company starts charging the cent per kilometer rate. Once the person travels over the designated free kilometers, they will then start paying for the extra kilometers travelled. The car is installed with a tracking device by the insurance company so that they will be able to monitor how far you travel each month. This also doubles up as an excellent security measure for the vehicle, as the insurance company will have peace of mind in knowing they will be likely to recover the vehicle should it go missing.
This pay as you drive motor insurance idea is very popular with people who do not travel a lot every month. If they are only using their car occasionally, then it seems like a waste of money to pay for full insurance every month. Environmentalists are also raving about pay as you drive insurance, saying that it motivates people to drive less, knowing that they will pay less at the end of the month. If there are fewer cars on the roads, there will be less of an impact on the environment from the carbon monoxide emissions. Some businesses also prefer for their drivers to be on the pay as you drive insurance option, as they are more easily able to monitor where their employees are traveling each month, and how much of the petrol costs they should cover. Pay as you drive is an interesting vehicle insurance option that should be looked into by everyone. Not only to save money, but the earth too!

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Breakdown On Different Vehicle Insurance Packages

The main reason people take out a car insurance policy, is to ensure that should something happen to their motor vehicle, they will be able to get it repaired or replaced without them being out of pocket. Furthermore, insurance cover will protect against any costs one would incur if they hit into another vehicle. With the current statistics on the frequency of collisions on the roads, it is just irresponsible to drive without any insurance.

The first type of car insurance cover that we will discuss is the fully comprehensive option. This cover will protect your vehicle in all types of collisions, theft and theft attempts. The cover will pay out to damages to your car, and also any damages to the other vehicles you hit if you were at fault for the accident. Fully comprehensive insurance is usually the most expensive of the lot, and will cover for all types of accidents, fire and theft.


Third party coverage is the cheapest type of insurance. This insurance will only cover any damages to the car you hit in a collision if the accident was your fault. This can come in handy if you happen to rear end a luxury vehicle. This type of insurance is usually best for much older vehicles, whose worth is not validated in expensive monthly insurance.

There are many different types of car insurance; it all depends on your individual needs. You can take out a simple insurance policy, and add onto it the extras you would need. Some extras include theft damage, fire damage, hail damage and medical and travel cover. Attempted theft can cause grievous damage to your motor vehicle, and the damages can be expensive. This is why it is good to have this cover. If you live in an area that is notorious for bad weather, then Mother Nature cover is good for you. Hail and strong storms can also wreck havoc on your motor car. Another fantastic extra is for a rental car. This is where the insurance company will pay for you to use a rental car whilst your damaged one is being repaired or replaced.

The extras you need are completely up to you. You can start with third party for affordability, and then build on that cover with the extras that you feel you vitally need. When in doubt about the amount of money that you are paying for your policy, then you need to compile as many insurance quotes as possible to make a good, informed decision.


Did you know in a standard homeowners insurance policy, coverage limits for jewelry, furs, watches, and related items is only $1,000 combined? These and other limits are in place to encourage home owners to buy additional insurance coverage for valuable and hard to replace items.

Additional home owners insurance coverage can be purchased through a Personal Articles Form or other additional applicable policy. Below is a list of item categories that may have limited insurance coverage for home owners.

Car insurance accident

Keeping Your Vehicle Insured In A Struggling Economy A lot of people are struggling financially, with the world economy taking a downward spiral. People are looking into any way to lower their monthly costs, but this is not something that can reach into their car insurance policies. Car insurance is an absolute necessity, as protecting your vehicle is one of the most important things you can do. Cars are expensive, and are considered assets, never mind the fact that they are very costly to repair and replace. This all taken into consideration, there are also some countries in the world that have made it illegal to drive without auto insurance.
Rather than running away from your car insurance, it is better to tackle proactive ways to keep your vehicle insured. This is the best thing you can do for yourself is to ensure you stay insured. Firstly, you need to review your car insurance policy and make sure that you are not paying more than you need to be. Every now and then, compiling together some comparative car insurance quotes can help you assess your insurance situation. Car insurance companies come up with special offers and deals at assorted times during the year, so if you are keeping your eyes open and net cast out there, you may find that you stumble into an excellent and competitive premium package. The next thing you can do is to keep the running costs of your car low. The first thing you need to do for this is to ensure that you keep to the car's regular service schedule. If you do this, you will pick up any minor problems before they become something major and costly. Simple things such as checking your oil and water levels and tire pressure regularly, such as when you stop to refuel, can help you pick up any problems. Check the quality of your windscreen wipers and the tread on your tires. Problems with these normal running parts of your car can lead to accidents. Simple maintenance on your vehicle can prevent collisions and save you money in bigger problems later. Lastly, review the security of your vehicle, and overall details of your policy. If you install a good alarm system on your vehicle, you will save a lot of money on your premium by lowering your vehicle's theft risk. Keeping your details up to date with the auto insurance company could also save you money. Simple factors such as your address can affect your premium. Ensure that all the information they have is correct, to prevent any future problems.
Although car accidents are more prevalent in the winter months, what you need to do after an accident never changes. Obviously it is hard to think clearly after a car accident so it is important to know before you get into an accident what to do first and what questions may need answered.
Playing Video Games Can Lower Your Auto Insurance Premium Most of the elder generation will vehemently claim that playing video games is a mind-numbing activity. This all depends completely on the video game being played. What if playing video games could lower your insurance premium on your vehicle? There has been a new trend in auto insurance where the companies send out video games to their clients, mostly their elderly clients in the age bracket of 50 to 75. The reason why they sent the games out to the elderly age group is because they contribute greatly to the number of collisions and claims each year, due to the degradation of their driving skills and ability over the years. These games will refresh a few driving rules and regulations that can be forgotten over the years, and claim to sharpen driving skills and acuity. But why would an elderly person, most of who think that video games are mindless, indulge in this pastime? The lure is the offer of a much lower insurance premium. If the insurance company claims that playing the games will improve driving skills and thus in turn reduce motor accidents, then the activity becomes more attractive. Proven statistics have shown that playing these video games will greatly improve driving skills which directly lowers the collision rate amongst the people who have played them. Everyone knows that a driver with a clear accident history will get the lowest premiums possible. Besides these video games that have been made specifically for the improvement of driving skills, there are other experts who claim that the playing of any video game is good for perception and sensory skills. Anything that contributes to these skills is assisting in driving ability.

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Reasons Why You Have To Have Car Insurance

Statistics have proven that there are thousands of motor vehicle collisions on our roads every single day. This means that every time you get into your motor vehicle, you run the risk of being involved in an accident. The accidents on our roads range from minor to major, and the best thing you can do is to ensure you are financially protected in the event of this happening. No one has the spare money lying around that it takes to repair or replace a motor vehicle, so it is best that you are insured to protect your financial health.


It is not unheard of for the repairs to a vehicle to rise into the thousands, and this can even be for minor repairs. The scenario is even worse when it is a luxury vehicle that needs repairing or replacing, as the costs for panel beating or replacement on one of those can be heart attack inducing! If you are repaying the bank on a car loan, and your car is written off or stolen, you would not want to have to pay for a car every month that you do not have. If you have sufficient car insurance coverage, then they will pay out the book value of your car so that you can settle any outstanding monies with the bank. If you have a fully paid off car but lose it, then at least you will be able to purchase a new one.

Furthermore, you need to consider the repercussions if you are involved in an accident with another person whom does not have auto insurance. What then? What if they are completely unable to pay for the cost of repairs or the replacement of your vehicle? Then you will also have to worry about finding the money for that. If you have a good insurance plan in place, then you will be covered. If you are lucky too, depending on the extent of your coverage, then you will even be allowed a hired car to use whilst your vehicle is being repaired, or until you have a new one.

You also need to consider the consequences of crime. You could walk out of a shopping mall to find that your motor car has been stolen. In addition to that, there is also the possibility of attempted theft on your vehicle. Thieves trying to steal your car, or removing belongings from it, can cause expensive damage. If you have car insurance, your vehicle will be covered against this.

In conclusion, it is not difficult to see why it is so important to have motor car insurance. The risk you take driving every day is not worth the far reaching consequences should anything go wrong.

This guide will help you decide if long term care insurance is a good fit for you and it will educate you on how to choose and shop for long term care insurance. So, if you are thinking about purchasing a long term care insurance policy through your local insurance agent or would like to get an online insurance quote, this guide will steer you in the right direction to find the best long term care insurance policy for you. Let's get started:

1. What Kind of Long Term Care Insurance Coverage Do You Need?: Good question! First, you need to understand how long term care insurance works. Considering Long Term Care Insurance is a great article that will let you know how long term care insurance works and give you the info you need to decide if you should consider long term care insurance. If after reading the article you have decided that long term care insurance is something you would like to consider you next will need to research what company you would like to obtain a quote from.

2. Choosing a Long Term Care Insurance Company: When you are ready to select your long term care insurance provider, besides just looking for the best insurance premium, you will want to take some time to research what insurance company you want to go with by learning about their financial strength. Another important aspect of choosing your insurance provider is knowing if and how they will use your credit score to determine your rate. Take the time to research different companies and then make a list of the providers you are interested in contacting for an insurance quote. If you are looking into a local insurance company or deciding to get an online insurance quote, here are some tools to help you research different long term care insurance companies.

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Your Auto Insurance Policy In The Holiday Season When the end of the year or even Easter break rolls around, people are looking forward to the rest and relaxation they will enjoy after the long hard year of work. It is important that, even though you are now in rest mode, you do not become slack in the important areas of your life. Directly translated, this means that you must not become reckless or careless regarding your driving and traveling on the roads. Doing this can directly aggravate and ruin your car insurance for the year to come. You do not want to be going forth into the New Year knowing you are going to have to pay a higher auto insurance premium because you had an accident over the festive season.
Everyone knows that the festive season brings with it a lot of parties, gatherings and general merry making. This usually involves the consumption of alcohol. Unfortunately, a lot of people find themselves still operating their vehicles, even after having consumed alcohol. Traffic police are becoming stricter and stricter regarding people driving on the roads whilst under the influence of alcohol. This is only because statistics have proved that the majority of vehicle collisions are directly attributed to the consumption of liquor. If you are caught driving whilst under the influence, you will be given a ticket, a fine, and could even be locked up. This will become a black mark on your record which your auto insurance company WILL take into account, and you will therefore have to pay a higher premium as you will be seen as a higher risk driver. This is not even taking into account the risk you run of actually having a collision. There would be nothing worse for the holiday season than to have an accident, where you could hurt yourself, one of your passengers, and also any other parties involved in the accident. This will get you into even further trouble with the law and will just not be worth it! If you have been consuming alcohol, do not feel brave enough to drive, rather leave your vehicle where it is and go home safely in a taxi, or alternatively get someone who has not been consuming liquor to take you home in your vehicle. Holiday time can often mean traveling long distances. People venture down to the coast if living inland, or venture out to far places to visit family or resorts. Whatever your reason for traveling, ensure that you are doing so safely. Have your car thoroughly checked over before you leave on your trip. Faulty tires and brakes can cause an accident. Stop regularly on the road for rests, and perhaps a coffee break. Another leading cause of accidents is drowsy drivers who fall asleep at the wheel. If you start to feel lethargic whilst you are driving, take a break, or get someone else to take over. Do not be impatient and try and rush to your destination. If the drive ranges many hours, take a stop off nap and break, or switch drivers along the way. Speeding will be another cause for trouble too, as you could either get a ticket, which will be a black mark on your name, or you could be involved in a collision. Medical and health insurance provides one of the most important coverage you’ll ever need in your and your loved one’s lifetime. MHI policies ensure that the policy owner has access to private medical care when they need it most, without worrying about not being able to afford it. Get medical & health insurance to take care of you, your loved ones and your medical expenses. Wherever you are going, and whatever you are doing, stay safe on the roads to ensure a lovely holiday season and insurance hassle free forthcoming year!

Insurance for your car's

More than 220 million motor vehicles clog America's roads today, making it likely that someday you will have an accident and file an auto insurance claim. The good news is that in most auto accident claims, personal injury isn't the problem. Every insurance claim requires some kind of proof of damage or injury before a carrier will pay. On auto claims, Eager says, there are five elements of proof that will come into play: what you tell the insurance companies, what the other party tells them, a police report, witnesses and physical damage at the scene.
"There are a lot of jurisdictions where the police officers may try to avoid taking an accident report, assuming that the damage is under $500," a typical insurance deductible, warns retired insurance adjuster J.D. Howard, who co-founded the Insurance Consumer Advocate Network, based in Branson West, Mo. "Insist on a report. If [officers] won't file a traffic accident report, insist on an incident report. You want an independent, disinterested record of what happened. You'd be amazed at how often the other driver's story will change." Finding of fault is very important. Besides the rental car and diminished value issues, the negligent party's carrier might owe you for any time off work, Howard says. In addition, your company cannot raise your rates if you are not at fault.
Also, the majority of states have adopted "comparative negligence," Eager says. This is a concept based on the idea that no one party is necessarily completely at fault, but that fault is just a matter of degree. Your settlement can be reduced based on the degree of fault. Having an understanding of how UK car insurance companies work is vital when searching for the cheapest car insurance quotes.

Just car insurance

The philosophy at Just Car Insurance is that being a new or young driver doesn't automatically mean you are a bad driver. The company doesn't look down on youth, and it doesn't look down on modified, tricked-out, non-standard cars. Just Car Insurance won't automatically turn down drivers with a less than perfect accident record either, as long as the driver honestly informs the company of their history.
This post isn't just a rant though, was also wondering if anyone else can suggest some good insurance companies to try or if I should just suck it up and go with just car?

State auto insurance phone number

You buy health insurance for the same reason you buy other types of insurance – to protect your family.
Primary medical insurance coverage, designed for people who don't have this type of coverage through their employer or another group.
Teenagers Car Insurance Safety Guide

Every year an influx of new teenage drivers come onto our roads. Behind these drivers are a lot of worried parents and suspicious traffic cops. Everyone wants to know that they are safe on the roads, and the reason why car insurance is so expensive for young drivers is because the insurance companies are not yet able to determine the quality of the new driver’s skills.

Teaching a teenager how to drive safely and carefully from a young age is one of the best things that can be done to prevent collisions on the roads, injuries, costly repairs and exorbitant hikes in car insurance. The first thing that needs to be done is to ensure that the teenager has received as many driving lessons as possible. Our society and the younger generation have all become about instant gratification. Most teens want to take the smallest number of lessons necessary for them to pass their driving test. This is never a good idea. Practice makes perfect, and practice under a licensed driving instructor is invaluable. The more the teen drives under guidance and wise teachings, the better their driving will be. With a good instructor and responsible parents, the teen will have good driving habits instilled in them from a young age. Parents should also drive with their children as often as possible, allowing them to operate the vehicle without reprimanding them in a bossy manner should they do something wrong. Faith, support, trust and guidance are key for the developing skills of the teen.
The safety of the vehicle must be emphasized to the teen driver at all times. For the lowest motor insurance premium possible, the vehicle should be fitted with an alarm system, an immobilizer and a tracking device. The teen should be thoroughly trained in activating the alarm system, and should have it instilled that it is imperative that the car remain locked and parked somewhere as safe as possible at all times. They must also be taught that criminals can break into a motor vehicle in only a few minutes!


By teaching a teenager these simple things, they can be protected against having an accident, and will also maintain an excellent driving history, which will go a long way in securing them low car insurance premiums in their life. When insuring a young driver, acquire as many car insurance quotes as possible so that an informed choice is being made.