Monthly Archives: June 2015

Holiday Insurance: Five Good Reasons Why You Should Buy Holiday Travel Insurance

There are many things that can happen when you are traveling. In most cases, the most unexpected things happen when you are least prepared for it. To protect yourself while traveling, you should get a holiday travel insurance before you go on a holiday. Never take things for granted. Always remember that it is always better to be prepared than sorry. To give you a better idea about the importance of holiday insurance, here are five good reasons why you should get holiday travel insurance before you go on vacation.

Travel Assistance

Comprehensive holiday insurance can help you find a new flight in case your flight gets cancelled at the last minute. Note that these unexpected flight cancellations due to unavoidable circumstances can drain you financial if you do not have any holiday travel insurance. If you are traveling on a tight budget, a last minute cancellation of your connecting flight can spell a disaster for you if you do not have any insurance.

Help In Retrieving Lost Luggage

Although most airlines are very careful when it comes to loading checked-in luggage, there are times when things simply get out of hand and your luggage gets lost. Losing your luggage during your trip abroad can be very stressful but if you have holiday travel insurance, your holiday travel insurance will take care of your lost luggage so you can go on your way and have a good vacation.

Replacement Of Lost Passport And Money

Most holiday insurance policies cover loss of passport and money during travel so you need not worry if your bag along with your money and passport gets stolen while you are traveling. In cases like these, the insurance company will facilitate the issuance of a new passport and will provide you with emergency cash which you can use during your vacation.

Ticket Refunds

There are some airline companies that do refund unused tickets. In cases where the airline company refuses to refund your unused tickets, the only way to recover the cost thereof is to file a holiday insurance claim. If you did not get any travel insurance, you might as well say goodbye to that hard earned money that you used to purchase your airline ticket.

Assistance During Medical Emergencies

Although you did not plan to get sick during your vacation, there are times when your body is simply too weak to resist certain types of diseases. Without holiday insurance, you could end up spending a lot of money on hospital expenses.

Holiday Insurance – Cheap Holiday Insurance – Travel Insurance – Instant Holiday Insurance

Instant Holiday Insurance is one of the UK’s largest independent travel insurance company selling cheap travel insurance products, holiday insurance, medical and general insurance services. Instant Holiday Insurance is a trading partnered with of Essential Travel Ltd, who are authorised & regulated by the Financial Services Authority No. 300175

Our Holiday Insurance Web combines great value with comprehensive cover. We cover you for lost or delayed luggage, lost cash, passport and other personal documents plus emergency treatment. We established to offer UK customers comprehensive holiday insurance at competitive low prices. The travel insurance policy will cover you for any medical expenses that you incur should you be involved in an accident or become ill and require hospitalisation. Apart from medical expenses the policy should also cover things like; legal expenses, cancellation & curtailment,loss of money, baggage, passport, etc. and personal liability. Probably the main thing to consider is to make sure you are covered for any activity that you intend to undertake so that you and your equipment are covered while participating,e.g. skiing, scuba diving etc. Travel insurance in an instance without any hassle and with totally safe online transaction from start to finish.

We have a range of products including single trip holiday insurance, long stay holiday insurance, annual multi trip holiday insurance, ski holiday insurance and more for individuals, couples and families for a matter of months and need adequate cover at resonable rates.

We have partnered with Essential Travel to offer you fantastic deals on Travel Insurance. Essential Travel has teamed up with AXA Insurance UK plc to help provide you complete peace of mind on your holiday. We also offer family insurance and World Wide Travel Insurance online for UK holiday makers. Single Trip travel insurance is perfect cover if you are off on one holiday or escaping on a short break. If you are planning to travel a few times this year then an annual policy offers you both convenience and value for money. Our service specialist was set up with one main aim to provide convenient high value cover at the lowest prices possible.

You can easily get instant online holiday insurance quote where you can select your insurance package, date of travel, which could be for Europe or worldwide. Once package is selected,you can then enter your credit card details and get print off of your travel insurance policy and cover details immediately. Insurance certificate will reach to you either by email or by regular post.

Enjoy your holiday and be safe during holiday by getting insured with instant holiday insurance.

Holiday Insurance

Holiday insurance is also known to some as travel insurance, which is a policy every vacationer should seriously consider taking and include into their travel budget. Having holiday insurance cover will protect you against emergencies and travel delays such as unanticipated illness, injury or death, loss or theft of luggage and personal possessions as well as flight or trip interruptions, including cancellation. These events can cost you a small fortune if you do not take out a policy that provides insurance to meet any financial expenses that may arise unexpectedly during your vacation. Having a holiday insurance gives you the peace of mind, should anything happen help is at hand so you can concentrate on enjoying your vacation.

It is quite an easy process to arrange for holiday insurance – typically you can take one out just before you embark on your journey, covering you for the duration of your vacation, or if you think you may be extending your vacation, find a product that allows you to get continuous comprehensive coverage.

Most travel agents and insurance companies do provide holiday insurance packages that are tailored to suit different levels of requirements. Cheap holiday insurance is easy to purchase online and the added bonus is that you can compare different quotes online very quickly to find the best package that suits your needs. Although the cheapest holiday insurance does not necessarily mean the best insurance for you. Shop around for a good deal rather than leaving it until the last minute. Special packages normally are on offer for a limited time only so start hunting early.

For those who travel extensively, holiday insurance is an essential expenditure. There is a wide variety of packages for the different types of holidaymakers including backpacker travel insurance, discounted annual cover, ski or snowboarding holiday insurance plans as well as just the one off single trips, catering to single or ad-hoc journeys. The backpacker package is particularly useful for those who are travelling to Europe, taking an extended holiday overseas or gap year students as some products provide cover valid for up to a year irrespective of what the person does during that period. Some holiday insurance for backpackers even covers temporary holiday jobs such as fruit-picking on a farm or bartending work. Ski or snowboarding holiday insurance plans cover you against any threats or danger while skiing and mountain rescue operations by helicopter or air ambulance. Ask yourself how much cover do you need realistically? Generally for a healthy customer looking for cover for a short holiday to a single destination will cost less than a multi-destination holiday that lasts for over 6 months.

Familiar yourself with the claim procedures and the keep important numbers such as your holiday insurer’s contact number, along with your membership reference code close to hand. Be sure to disclose any pre-existing medical conditions to the holiday insurer as failure to do so may invalidate your claims. It is quite probable that an old illness may flare up during your vacation or journey, some policy does not cover this but others, for a fee, will cover a sudden or unexpected recurrence of a pre-existing illness.

Holiday Home Insurance One Of The Decisions Associated With Buying A Holiday Home

Buying a holiday home has never been easier. Today, you can hop on the Internet and find the home of your dreams without even leaving the comfort of your living room. Even better still, you can then use a search and compare website on the Internet to find you the best possible deal for a second home mortgage. There is nothing to it with very little time and effort to put in unless you wish to. However, you need to make a few decisions that are associated with buying a holiday home before you can put in an offer and get a mortgage and one of those is holiday home insurance.

Holiday home insurance is different to both traditional home insurance and buy-to-let insurance, so don’t make the mistake and think that you can cut costs and corners by getting the wrong type. A specialist broker will be able to help you find the right type of holiday home insurance.

Other considerations when buying a holiday home include the following: Where is the first place that comes to mind when you think of buying a holiday home? Although gut instincts are not always correct in terms of buying a house, there must be reasons behind considering buying a holiday home in a certain area. When you have the reasons why you would want to live in a certain are then you can begin to build upon that.

You should consider both popular locations and other locations that resemble them because individuals buy homes in certain areas for a reason. Crime rate, natural environmental hazards, proximity to the beach, proximity to shops and climate are all factors that should be considered when buying a holiday home, but the list is not limited to them. For an idea of where Britons choose to look into when buying a holiday home, the facts and figures are worthy of consideration.

Approximately 30% of all holiday homes are in the UK, 16% are in Spain and 7% in France, with the remaining 47% being spread between countries like the USA, Italy, Australia, Ireland, Greece and other similar countries. After deciding upon the country, your choice of area will largely depend on what kind of place you would wish to live in beach, town, city or quiet village?

You final decision when buying a holiday home should depend on what kind of home you would like to live in. Whether your choice is a bungalow, condo, apartment or cottage, you can find the perfect house for you and then get on with the easy part of buying a holiday home.

Then all you need is the right holiday home insurance.

High Risk Home Owners Insurance – How To Avoid Being Labeled As High Risk

Homes, and their contents, are expensive investments, so you can imagine repairing or replacing them is expensive, as well. All homes, and the contents within all homes, are at risk for experiencing situations which cause them to need to be repaired or replaced, regardless of where the home is located. You see, weather elements such as hurricanes, floods, and earthquakes aren’t the only factors that can damage or demolish a home and everything within the home. Homes, and especially the contents within the homes, are at risk for vandalism and theft, too.

If you live in an area that is considered high risk for crimes such as vandalism and theft, you are probably going to be labeled as high risk when you set out to purchase homeowner’s insurance. However, if this is the case for you, there are ways to avoid being labeled as high risk or, at least, lower your risk. You can avoid being labeled as high risk by making changes to your home that make your home and its contents safer and less susceptible to vandalism and theft.

Below are just a few ideas to help you avoid being labeled as high risk by homeowner’s insurance companies, regardless of how safe or unsafe your neighborhood is.

Purchase a high quality safety alarm system.

Install sturdier, more durable windows. This includes windows in the basement and the attic.

Invest in new, safer locks. This includes locks for doors in the basement. Purchasing deadbolt locks are a great idea, as they are much more difficult to break through than the normal door knob and chain locks.

Set up motion lights around your home.

Keep your most valuable possessions somewhere other than your home. Very expensive items should be kept in a safety deposit box.

By making these safety improvements to your home, you can avoid being labeled as high risk by homeowner’s insurance companies.

High Risk Home Owners Insurance – Avoid Being Labeled As High Risk

Home owners insurance is one of several types of insurance that isn’t legally required unless you’ve borrowed money from a lender in order to pay for your home. Yet, having a home owner’s insurance policy is one of the most important steps any home owner can take.

If adding another monthly bill to your list doesn’t sound very appealing, rest assured there are ways to save money on a home owner’s insurance policy. The best way to save money on a home owner’s insurance policy is to avoid being labeled as “high risk.” From car insurance to health insurance, if the policyholder is labeled as high risk, the insurance policy is going to cost more.

The first step any home owner can take to avoid being labeled as high risk is to make sure his or her home is a safe as it can possibly be.

Make repairs. Making repairs to a home includes fixing anything that’s not in 100% working order. Examples of making repairs includes replacing weak steps, tightening hand rails, making sure all carpeting is properly stapled down, replacing loose roof shingles, etc.

Update electrical wiring and plumbing systems. Fire and water damage is very common among homes, and many cases of fire and water damage are results of faulty electrical wiring and leaking plumbing systems. Depending on the age of the home, the home owner may want to completely replace all electrical wiring and plumbing systems.

Clear the yard. A home’s yard can have a variety of things that don’t belong there. Gardening tools and power tools belong in the garage, a shed, or in the home. Car tools and parts should be stored, as well. All debris belongs in the garbage.

Install safety devices. Safety devices go beyond alarm systems, though installing an alarm system is a good start. Home owners should check the sturdiness of their doors, locks, and windows, and replace weak links.

High Risk Home Owner Insurance Weather And Crime

Did you know that home owner insurance policies are generally higher for those of us who live in high risk areas than for those of us who don’t? It’s true. The two major high risk factors that can cause your insurance rates to be higher than normal are weather and crime.

Living in an area that is commonly afflicted with dangerous weather elements such as hurricanes, tornadoes, snow storms, and earthquakes can cause your insurance rates to be much higher than the rates of someone who does not live in an area prone to that kind of weather. If you live in an area that is commonly affected by severe weather, your insurance company knows that your home is at risk for much more damage than the homes of people who do not live in those kinds of areas.

Living in an area that is commonly afflicted with crime such as vandalism and theft can cause your insurance rates to be much higher than the rates of someone who does not live in and area prone to that kind of crime. If you live in an area that is commonly affected by crimes such as theft and vandalism, your insurance company knows that your home and your possessions are at risk for much more damage and property loss than the homes and possessions of people who do not live in those kinds of areas.

Home owner insurance does not just cover the cost of repairing or replacing your home; it also covers the cost of repairing or replacing the valuables within your home that are insured. If you live in an area that is prone to severely damaging weather or an area that increases the risk of your home being vandalized and your possessions being stolen, your home owner insurance rates are going to be much higher than the rates of people who do not live in those high risk areas.

Here’s Why You Need Data Insurance …

My friend Bob called me the other day. He was frantic…

“Albert” he cried, “My computer just crashed. I think it was my hard drive, but I am not sure.

It won’t turn on or boot up. It just keeps making this weird sound. I think I lost everything. All my pictures, and

my taxes, totally completed and ready to file.

Also, all of my email addresses and email that I had saved. Plus lots of other important data. The worst thing is I don’t know if I

will ever be able to get my computer running again.”

“No problem,” I replied. “Just use your back-up drive to restore your data.”

“Back-up drive?” he asked, “What’s that?”

“Bob, Bob, Bob,” I lectured.

“You wouldn’t think about driving your car without insurance. If you own a house or apartment,

you absolutely need insurance. You probably have some type of life insurance. Why is your computer any different?

If you have a computer: you need insurance. Data Insurance.

You need to have a back-up drive to save all of your important data!”

Do you have insurance for the important information on your computer? On my computer I have all of my

websites, personal emails and essential documents. I also have software and e-books I purchased.

I even have the beginning of the Great American Novel.

I purchased a back up drive for my computer.

You need one, too!

What do you have on your own computer? Think about the important files,

pictures, programs and other priceless information…

Some of the stuff you have may be irreplaceable.

Sure you can use a jump drive to save and move data. The biggest jump drives will

not back up your entire system, however.

You invested hundreds of dollars in your computer. For Bob, the data he lost was priceless.

Don’t be like my friend, Bob. You need to invest in a total back up system.

You need a back-up drive.

Here’s what I did:

I was able to find a Back Up Drive on-sale for a little over $100 The back up drive is 300 GB. That’s way more than I need. Since I installed it, I have much more peace of mind. The great thing is, once I installed the software, it continuously makes new back-ups of all my recent data.You should be able to find a back-up drive at a reasonable price as well. Check out big box computer stores as well as Office Supply stores.

So don’t be like Bob. He lost everything. Remember, it’s not if your computer will crash, it’s when.

So take out some Data Insurance by purchasing a back drive for your computer. Remember to back up all of your data.

Here’s why:

You will be prepared if your hard drive crashes

You will have another copy of all of your important files and programs

You will have total peace of mind

Most back up drives come with software, which will back up you data automatically. So you will be able to “Set it and forget it”.

Be well. Stay well.

And don’t forget to back up all of your data!

Help In Finding Affordable Whole Life Insurance

Many people need help in finding affordable whole life insurance, as it is extremely important decision to have to make. The following suggestions will make shopping for a whole life insurance policy a much easier process.

The internet is a great place to begin looking for a whole life insurance policy. There are many great websites that could give you life insurance quotes from several different companies at once. Just remember while filling out the initial questionnaire that you answer all questions honestly in order to get the most accurate quote. You should also be sure to follow up with the insurance company to make sure that no further information is needed to process your whole life insurance policy.

If the internet isn’t accessible all you need to do is pull out your phone book and look up that names of local insurance agencies. They can be a great help for those looking to find affordable whole life insurance and most all local insurance companies will be happy to walk you through everything that a whole life insurance policy covers in order to make sure you get the policy that will meet all your unique needs.

Make sure to do some comparison shopping when you are looking to find a reasonably priced life insurance policy. Most people that need help in finding affordable whole life insurance policy need to keep this in mind so they make sure they purchase the best possible policy for the best possible price.

Do not feel by any means that you need to purchase the first whole life insurance policy that is offered to you. Ask plenty of questions and make sure that you understand every last part of the insurance policy. If the insurance agent or insurance company that you are working with are not answering your questions clearly enough or are pressuring you into purchasing a policy that you are unhappy with then move on.

Keep all these tips in mind if you need help in finding affordable whole life insurance. This way you will be able to find the policy that will meet all you needs at the best possible price.

Heavy Drinking Can Increase Life Insurance Costs.

Britons are drinking too much, shout the headlines. Out of those who live in Great Britain, two thirds say they drink to excess at least once a week and almost a quarter hurt themselves while they are intoxicated. This is according to a report by the Drink Aware Trust and the British Chiropractic Association.

But binge drinking is not just a health issue, but a financial one as well. It hits you not just in the pocket through the excess weekly spending on alcohol, but it can drive up the cost of your Life Insurance premiums too.

Talk to the Association of British Insurers and they will tell you that in fact yes, years and years of heavy drinking will be taken into account when calculating your premiums on your life insurance policy. On the Life Insurance application form a questions asks about your alcohol and tobacco consumption. And as with all sorts of insurance products, the underwriting is done at the point of your application.

You might think you can get away with not declaring the fact that you have been drinking excessively for a certain period of time. After all, no one is really going to know when you die right? And of course, you plan to cut down your alcohol consumption in the years to come. Yet a spokesperson for the Association of British Insurers says that it is best to tell the truth. If you die, the medical experts can often tell from the post mortem examination if you are someone who has been drinking for a time frame that extends back before you made your life insurance application. They can refuse to pay out if you did not reveal the truth about your drinking at the time.

The spokesperson says: “The point here, as with any deliberate non disclosure, is there is a strong chance that if you do put down something that is not accurate on your application form and if you do have to claim on that policy, the insurance company may say that your policy was rendered invalid because you deliberately failed to disclose something.”

However, if you develop an alcohol problem after you have made an application for Life Insurance you are most certainly entitled to a policy payment. He adds: “Your death might be related to some sort of alcohol consumption issue, in which case the policy will pay out. It is only things that are such at the time that you apply that are taken into account.”

Most insurance firms ask you to disclose your average weekly consumption of alcohol, asking how many units of alcohol you consume each week. But this does depend on the individual company. Most look at the NHS guidelines with respect to deciding what is a normal and safe level of alcohol to consume and what is considered to be potentially dangerous. The firm will weight their premiums accordingly.

Direct Line insurance company charges a 30-year old who does not drink monthly Life Insurance premiums of 14.88. For someone who does drink the payment is 15.37. Over the years, this can make quite a difference.

A spokesperson for the ABI says alcohol consumption is one of a number of factors insurers will look at when they are establishing whether or not to take on an insurance risk and what the level of premiums for that person will be.

“From a public health perspective, there will be medical practitioners within insurance companies who will have concerns about this issue,” he says. But he goes on to add: “The insurance companies must look at that factor dispassionately as they do with all of the other factors that they look at when they are calculating premiums.”