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by . SantiMB .

Why does my travel Insurance cost more than my Holiday?

Having worked in the Travel Insurance industry for many years I have often heard the phrase “that’s more than my holiday” when I tell someone the price of their insurance. There seems to be a general misunderstanding of why Travel Insurance is so important. A standard travel insurance policy would include cover for cancellation, emergency medical cover, hospital benefit, personal accident, baggage, money, delayed departure, missed departure and legal expenses. The two most commonly used sections of a travel insurance policy are cancellation/curtailment cover and emergency medical expenses cover. Let’s take a look at these policy benefits individually to see what they actually cover.

Cancellation and Curtailment cover

In most cases you plan and book your holiday in advance, to give you something to look forward to! At the time of booking your trip you would normally purchase your travel insurance as this would provide cancellation cover if you were unable to travel due to a covered event which would normally be if you where ill and unable to travel, had a accident or passed away before your trip, the insurance would then reimburse you for the cost of the holiday up to the policy limit. Do consider that you may have booked your holiday some time in advance and cover would apply from the time of taking out your policy.

Emergency Medical Expenses & Repatriation

This is the most important reason why you need your travel insurance. Emergency medical expenses is usually the biggest and most significant part of a travel insurance policy as it will cover for any emergency medical treatment required whilst you are on your holiday. It’s very difficult for UK residents to envisage how much medical treatment is abroad as we are fortunate to have the NHS and never have to think about how much it costs to treat a broken leg or a heart attack.

To give you an indication here are some estimates of the cost of treatment abroad which have been provided by our claims assistance company.

1 night stay on a Spanish/Turkish hospital ward = £600

1 night stay on a Spanish/Turkey ICU =  £1500

Air Ambulance from Spain = £20,000 / Canaries £25,000

Please consider if you are travelling further afield like the USA the costs will be

1 night stay on an ICU in USA = £5000+

CABG in USA = £20,000 – £50,000 CABG =heart bypass

Air Ambulance from USA = £60,000 – £70,000

As you can see there could be some serious cost’s involved.

You need to bear in mind, that 99% of people will pay their premium for their travel insurance and have a great holiday and not require their travel insurance, however no-one wants to be in the 1% that has a medical emergency, which results in the claim of more than £100, 000 you would then be grateful for paying your travel insurance premium.

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Tags: Cost, Holiday, Insurance, More, than, Travel
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by Z33 art centre, Hasselt

Why Get a Commercial Van Insurance

It is just common for many people to have the need for vans to be able to carry out movement for their business. If this happens to be the situation you are in, then you should really think about if you will get a commercial van insurance or not. In doing so, it is fairly important that you choose the right type of insurance since you would need to do everything to protect it out well for you will never know when an accident happens. It is essential that you will declare to the insurance company to what purpose will you use your van.

To tell if you really need to get commercial van insurance is not so much of a difficult task to do. You simply would have to start at the usage before you are even led to the decision making process. Here are some tips that you can consider to convince you more of the benefit that commercial van insurance can do for you.

Who Registered Your Vehicle

The very first thing that you may want to look at would be who registered the van. If it happens to be registered under your business name, then it is commercial van insurance only which can be available for it. Hence, it is much better that you clearly choose a policy that would be precise in covering your vehicle and you according to the purpose it would serve, whether commercial or personal.

Consider All Employees Involved

If your van is used by many of your workers during their working hours, then you definitely need to get commercial van insurance since most these insurance types already include in their policy the protection of the individuals at risk. Take a good list of all of them and make sure that you include them in the commercial van insurance policy.

The Frequency of Use

If you use it regularly which means you put it out for more risk, then you must surely invest on commercial van insurance. This is also true if you happen to use it regularly for your business operations like deliveries of goods and other products. Also, the more prized the kind of goods that you will carry in your van, then all the more that you should be convinced to get a commercial van insurance for the safety and benefit too of your customers’ things.

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Tags: Commercial, Insurance
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by gregwake

Van Insurance UK — a Few Tips for New Business Owners on Van Insurance

First of all you will want to make sure that you fill out the forms honestly and accurately. If you do not, the inaccuracies may come back to haunt you at a later date and cost you a great deal of money. Being totally honest can definitely help you to save. And by the way you don’t need to fill out long forms online.

Next of all you may want to consider having an insurance broker help you shop around for the best company. You may not have enough time to do all the research required yourself, so having a good insurance broker can be a huge help. They can help you find the best policies for the best price so you can save money.

It is also very important that you carefully choose the provider for your van insurance in the uk. While some people choose local suppliers, there are others that choose larger companies and go through insurance brokers. You will want to be sure that you pick out a provider that will provide you with the insurance that you need. Look for a company that will understand what you need and offer you the best insurance for the best price.

Another thing you can do to save some money is to increase the amount of your excess. If you can afford to do this, this is an excellent way to reduce what you pay on your insurance premium. If you choose to do this, make sure that you will have the needed money if you ever need it.

Deciding to have all of your insurance policies with the same company or insurance broker can help you save as well. Most van insurance uk companies offer a discount when they carry more than one policy for you, so this is an excellent way to save while making it easier to keep track of your insurance accounts.

Make sure that the provider you choose will offer you helpful advice as you are considering the options for your new business. You want to be sure to have the right policy and the comfort of knowing that your vehicles are protected no matter what. Finding the right van insurance uk company that offers you the best coverage can help to give you the peace of mind you need.

Tags: Business, Insurance, owners, Tips
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by Luke Redmond

Public Liability Insurance: How Much Cover?

In the United Kingdom, if members of the public or customers come to your premises or you go to theirs, it is advisable to take out a public liability insurance policy.

Generally speaking, public liability insurance is not compulsory although horse riding businesses must have a policy in place. This type of insurance may not usually be essential but is highly advised because without it, a business will be fully liable for any injury or damage caused to a member of the public. In Great Britain alone, over £1 billion is paid annually in public liability claims so it’s worth investigating the options available to you and your business.

Public liability insurance covers any compensation paid to a member of the public because of an injury or damage to them or their property caused by you or your business. Items covered by public liability insurance include legal fees, expenses and medical costs that the National Health Service (NHS) may claim.

Public liability claims tend to be fairly high therefore insurance policies tend to have a minimum cover level of £1million, extending up to £5million.

If you are trying to decide what level of cover you need for your business, check with local authorities as they often state their preferred minimum amount of liability. Checking customer contracts is also advisable as this will usually hold information about minimum levels required for public liability insurance.

Premium levels are also based on the type of business in question and are then set depending on the level of activity of the business, most often annual turnover.

When obtaining public liability insurance quotes, shop around to find the best policy for your requirements and give the insurer as much information as possible about the nature of your business. The type of business will have an impact on the premiums payable for the insurance so ensure this is made clear to the insurer in order to secure the most appropriate type of policy.

It is likely there will be many more exclusions and endorsements on a public liability insurance policy, compared to a personal car or home insurance policy, so spend some time looking over these areas in particular and make sure you fully understand the conditions, exclusions and warranties that are applied.

If you are in any doubt about what specific parts of your insurance policy mean then consult a professional to ensure the policy fits your needs.

When dealing with an insurer, check they are a member of the Association of British Insurers (ABI). The insurance industry is regulated by the Financial Services Authority (FSA) who holds an online record of all registered insurance advisers so it is worthwhile checking here too when searching for your public liability insurance provider.

The author of this article is a part of a digital blogging team who work with brands like Gladiator Insurance. The content contained in this article is for information purposes only and should not be used to make any financial decisions.

We are a nationwide & independent insurance brokerage house who offer specialist construction insurance solutions to the Irish Construction Industry.

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Tags: Cover, Insurance, Liability, Much, Public
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The importance of professional indemnity insurance

Ever felt the need to protect your business from reputation-damaging claims made by dissatisfied clients? Professional indemnity insurance is ideal in a scenario like this. It is a must to protect your business. As a matter of fact, even the most reputable companies find themselves in legal wrangles with clients. You may be held accountable for negligence, dishonesty, loss of documents/data, etc. Professional indemnity insurance can help you in more ways than one. It will cover you in the event of a mistake made by you while offering professional services. It can save you a great deal of stress in the event of a nasty dispute. It can cover for damages that you are liable for.

Professional indemnity insurance can help you seek direct access to specialist advisors who have a thorough understanding of your business. Advisors can help you avoid enormous legal costs you would otherwise have to pay for. Not only do they offer protection in terms of providing a cover but also protect your reputation. Moreover, you will be at peace with your business. Clearly, the importance of professional indemnity insurance cannot be undermined. Get your cover online!

The advantages of holding professional indemnity insurance are multifarious. Not only does it handle the compensations you might have to pay, but also covers all the legal cost borne by you in case of a suit filed against you. However, it is important to note that professional indemnity insurance does not provide the cover for an unlimited amount or an unlimited period of time. The policy operates for a definite period. This period is categorically stipulated in the terms and conditions of the agreement. Moreover, the cover is provided for a set limit of amount decided during the course of the agreement.

As a professional, you are expected to discharge your duties diligently. You can be held liable for negligence in the delivery of duties. Get professional insurance online at the touch of a button! Also, get the cheapest professional indemnity insurance quote online. You can expect to get the same product and same level of service that you would get at a brick and mortar high street office. The internet has opened up exciting avenues for service providers and service seekers. Imagine organizing your insurance from the comfort or your home or office! It cannot get easier than this!

Log on to the web to get your professional indemnity quote. You can expect to get the cheapest quotes online. It is important to note that cheap professional indemnity doesn’t imply second best professional indemnity. On the contrary, you can look forward to impeccable service and professionalism online. Your cover can be arranged in a matter of a few minutes. You can expect complete peace of mind in return for your money. Be fully protected in the event of any claim for negligence made against you.

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by Bart van Damme

Three Types Of Van Insurance

Van insurance is a very important thing especially in UK. The motoring law of the UK has made it mandatory for every vehicle to get insured. This has been done for our safety. Van insurance proves to be extremely beneficial in case of some mishap. The owner of the van does not face any kind of financial difficulty if the owner has insured his van with a proper insurance cover and he has been paying for the insurance premiums on time. Just as you have to make s choice about the model and other details of van before purchasing it, in a similar way you also need to make a choice about the kind of insurance policy that you need for your van. There are many kinds of van insurance policies that are prevailing in the UK market. There are so many insurance companies that are dealing in the van insurance and providing their services online. Now it has become really convenient to insure a van as you don’t need to personally visit the insurance offices or indulge in long telephonic conversations with the insurance agent
s in order to find out the right kind if insurance policy for your van. You can do all this work sitting in the comfort of your home and that too in a short period of time. This thing has also increased the competition among the different insurance companies dealing in van insurance. There are many kinds of insurance policies in the market that can be broadly divided in three parts. These are as follows:

1. Comprehensive van insurance: This kind of van insurance policy provides full coverage to the van. It covers all kinds of losses that may be incurred upon van in case of accident, fire, theft, robbery etc. if there is some accident of the van and there is some kind of injury to the driver or passengers or any third person than in such circumstances this kind if van insurance also provides the medical expenses of the driver and the third party. The only drawback of this kind of policy is that it is costly in comparison to the other types if van insurance. It is costly because it covers every kind of the risks that are associated with the van. 

2. Third party fire and theft van insurance: this type of van insurance provides cover to the van in case of fire or theft or any other natural calamity such as lightning or blasts or any other harm. This policy does not cover the losses that may take place due to some road accident. It also does not cover the loss that may take place in case your van collides with some uninsured vehicle. This is a cheaper van insurance policy comparative to comprehensive van insurance policy.

3. Third party van insurance: This type of van insurance policy is the cheapest of all the other kind of policies. But this policy provides the least insurance cover to the van. This type of van insurance policy only covers those damages that are inflicted upon a third party. But this is the most affordable policy among all.

Tags: Insurance, Three, Types
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by Bart van Damme

Van Insurance Policies The Extra’s

When purchasing commercial vehicle insurance there are many different options to choose from, do you need breakdown insurance, towing insurance or windscreen insurance? These different commercial van insurance extra’s will affect how much you pay for your insurance, and while you do want your insurance policy to be affordable you need proper protection for your transit vans and other commercial vehicles. That’s why its important to read the insurance policy carefully, look at a variety of insurance policies and decide what is best for you and your company.

The Types of Extra Commercial Vehicle Insurance

There are a number of insurance policies that can be purchased alongside the three main policies of ‘Third Party Only’, ‘Fire and Theft’, and ‘Comprehensive’. These minor insurance policies depend on the insurance company but usually involve things such as ‘towing insurance’, ‘windscreen repairs’, additional ‘auto-theft insurance’, and ‘breakdown insurance’.

Towing Insurance can be used when your commercial van is towed for a parking violation or needs to be towed due to a breakdown. In most cases a regular insurance policy will not cover this fee unless the transit van was in a accident. For a regular breakdown or a parking violation the Luton vans owner must cover the cost.

A windscreen repair policy covers all the problems you may have with your windscreen ranging from repairing basic cracks to replacing the entire windscreen in your transit van. Most comprehensive van insurance policies will cover windscreen repairs, but some do not. Anything less than a comprehensive insurance policy will not repair your windscreen regardless of how it happened.

Breakdown insurance covers minor breaks that occur from the usual wear and tear on your Luton van. If a fan belt breaks, rust damage needs to be repaired, the steering wheel is out of alignment and so on this insurance policy will help pay for repairs. Often this is combined with towing insurance. Again comprehensive insurance policies often cover for this type of repair but not always and it can raise your insurance premiums more extensively than having a separate insurance policy.

Additional auto-theft insurance should definitely be bought if you only have ‘third party only’ insurance for your commercial van. Auto-theft can and does happen so having an auto-theft insurance policy makes sense, and having insurance specifically for auto-theft rather than fire and theft insurance will help keep your insurance costs a little lower.

Why Purchase These Commercial Van Insurance Policies?

These minor van insurance policies can be very helpful and since they are fairly distinct they are individually cheaper than buying a large insurance policy that covers all possible problems that may happen to your Luton van.

The advantage of these commercial van insurance policies is that if you do have a frequent problem with your transit van, these policies provide extra insurance at an affordable price. If your commercial van is in a high risk area having additional auto-theft insurance on top of your regular insurance can provide you with a larger safety net for a cheap price. If your Luton van needs to be repaired slightly more than usual breakdown insurance will help with the minor costs that can quickly add up, and towing insurance will help get the Luton van to the repair shop without hurting your wallet.

Problems with Purchasing these Van Insurance Policies

However these commercial van insurance policies do add up and purchasing every commercial vehicle insurance policy in an attempt to cover all possible problems can become quite costly. A well thought out comprehensive insurance policy can insure against most of these problems for the same or slightly cheaper price.

The important thing to consider when looking at these different types of additional commercial van insurance policies is your needs. Do you need them? If you have a ‘Third Party Only’ insurance policy on your transit van, these additional commercial van insurance policies can help you weather misfortunes without substantially adding to your costs. If you have comprehensive insurance these insurance policies could help with minor costs and unexpected damages, but you should ensure they are not already covered by your commercial vehicle insurance.

Camper vans allow you freedom to travel the country at your own speed with all the comforts of home. For short trips, short term van insurance with Van Insurance Britain is just the thing to make sure your journey is a dream come true, without breaking your budget.

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Tags: Extra's, Insurance, Policies
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Compare Van Insurance – How to Get Van Insurance Exactly the Way Your Want It!

When you compare van insurance rates there are a few things that will remain the same.  Most companies will have certain exclusions and limitations that they will refuse to add into the policy unless you want to pay very steep additions with your monthly rate.  Many of the exclusions include young drivers, damage, normal depreciation, confiscation, and third party property limitations.

The biggest exclusion that might be noted in fine print is that of young drivers.  If you have young drivers under the age of 20 or even under 24 and they have been in an accident then accidental damages might not be covered. If they are covered the coverage will be limited because of the age of the drivers.  You will not receive much of a benefit and your claim may seem as if you have basic liability insurance after all is said and done. 

It is not recommended that if you have a business that you allow anyone under the age of 24 drive your company vehicles.  This is because you will suffer in the long run if they are in an accident and cause major damage to your company equipment and property.

If you suffer from loss or damages while the key is left in the ignition then the van insurance company will consider it to be your fault.  This is a common sense issue.  The reason this exclusion came about was because many people would go outside to warm up their vehicles in the winter time and allow the frost and ice to defrost off the windows before they went outside. 

In doing this, vehicles were being stolen because they were left outside running leaving you the owner out of pocket.

Don’t let this happen to you….

You can compare van insurance and…

Tags: Compare, Exactly, Insurance, Want
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Compare Van Insurance UK and Avail the Best Available Deal

If you have a van you would definitely like it to be insured against damages either small or any collateral damage incurred through accidents, fire or theft. Well availing van insurance is not a big deal but availing the same at lower price is surely a tricky affair. You can avail low cost and comprehensive coverage when you are willing to compare van insurance UK.

The first thing that is required in comparison is a little bit of patience. You must be willing to devote some time and effort in comparing. You can start the comparison by individually collecting the data from the concerned insurance agencies and if you are smart enough then you will choose the online way to do so. The smarter persons go for the comparison portals to carry out the comparison in lesser time with lesser efforts and negligible cost

. There are plenty of comparison portals in UK and you can search them through major search engines. Just feed the relevant keywords and you will be provided the leads to the portals. Once inside the insurance section of these portals you are supposed to feed information about the make and model of the van along with some personal information. You should remain assured that the information is highly protected and they are not leaked to third parties under any circumstances. You will get an assorted result of various van insurances and then it is entirely on your prudence to choose the reasonable cover. You must seek others opinion while you compare van insurance cover UK. There are various experts that these portals provide and you can seek their valuable suggestions so as to zero on to the appropriate van insurance.

These portals also have the users or customer’s sections wherein you can gain knowledge abut their experience with a particular cover from particular insurance agencies. It has to be verified whether the agency has been proactive in disbursing insurance claims or not. So, give your van the much needed coverage and stay relaxed because if a genuine insurance has been availed then all your tensions will be taken care off.

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by familymwr

Three Important Factors to Consider When Shopping for Army Kit Insurance

An ever increasing number of military servicemen and officers are taking up army kit insurance cover. Before the advent of such army kit insurance cover, military life for many soldiers was fraught with unspoken anxiety, as one had to live with the knowledge of the fact that they were fully responsible for their army kit, and would have to pay for it were it to get lost or damaged in one way or another. This was an anxiety-inducing thought, as the cost of army kit can be rather high, often running into thousands of pounds (think several months’ pay) for the whole kit.

            Then came army kit insurance. By taking up such army kit insurance, a soldier can live with the peace of mind of knowing that they are covered (at least financially speaking) in the event of their losing their army kit in one way or another. Army kit insurance is one of the specialized military insurance products, alongside military life insurance and personal accident insurance cover (also referred to as pa insurance) which were greeted with the most enthusiasm by both servicemen and officers in all branches of the military. The enthusiasm with which military insurance products like military life insurance like army kit insurance and pa insurance covers were met with led to the growth of specialized military insurance providers like Abacus, which was among the pioneers. Today, as more and more companies offering military insurance products spring up, many soldiers are finding themselves spoilt for choice on which provider to opt for, and what criteria to use in sorting through the various products on offer, as they all look so similar. Here then are three important factors to consider, when you are shopping for army kit insurance.

1.      The cost structure of the cover: Taking any form of insurance cover is seen as a serious financial commitment, and military insurance is no exception. You need to carefully consider the cost of the army kit insurance cover you are taking, and see how that fits into your overall budget. You also need to ensure that the premiums you pay for your army kit insurance cover compare favorably with the benefits you stand to get in the event of your losing or having your army kit damaged. Of course, don’t approach your army kit insurance cover shopping with cost as the only shopping criteria as such an approach often blinds you to other important factors. Simply put, the cheapest is not always the best, though cost is still an important consideration. In looking at the cost, you will also need to consider other elements that are not explicitly mentioned, like annual fees for example. Some army kit insurance providers charge such fees (in addition to the normal premiums) whereas others don’t charge such fees. You need to look at such fees as implicit costs, as they still have to be paid for ultimately.

2.       The benefit-structure of the cover: Alongside the cost structure of the army kit insurance product you are considering taking up, you also need to consider its benefit-structure. This often involves combing through the fine print carefully, looking for catches. Some of the questions you might ask include whether the army kit insurance cover only covers for lost army kit – or whether it also includes damaged military kit for example. You might also want to know whether the army kit insurance comes with worldwide coverage – or whether the coverage is only local (keeping in mind the ever-present possibility of being called up overseas duty).

3.      The product provider: You also need to carefully examine (and compare) military insurance providers providing army kit insurance before committing yourself to one. Some of the things to look at in an army kit insurance provider include their experience (you might, for example consider going for an experienced army kit insurance provider like Abacus, or opt for the relatively newer, less experienced providers), the track record of the army kit insurance provider, and of course the financial stability of the insurance provider you are considering committing yourself to. You might also consider looking at what other products (besides army kit insurance) they offer, and how these other products might appeal to you. As it were, it is often better to get all your military insurance products from one insurer, as they often given great ‘discounts’ for multiple purchases. A company like Abacus for example, offers army kit insurance at greatly reduced rates if it taken alongside personal accident insurance (pa insurance) cover.

Tags: Army, Consider, Factors, Important, Insurance, Shopping, Three
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