Archives for April 2010

Truck Insurance Quotes

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Truck insurance is going to be an essential purchase for all truck drivers, but for many people the prospect of searching through numerous quotes can be daunting. This is truer still if they’re new to the industry and don’t know where to start, as being such a specialised area it can often be difficult to know where to look. However, finding truck insurance quotes doesn’t have to be that hard, and there are plenty of ways to find a great deal.

Of course, going online will always be recommended. Searching for truck insurance quotes this way saves a lot of time and hassle, and because everything’s so easy to see it’s more convenient than phoning around each and every company for a quote. All it usually takes is a simple form, and if it doesn’t offer what’s required the page can easily be closed to continue the search.

It can be even easier than that if price comparison sites are consulted. There’ll be plenty of insurance quotes to consider simply by filling in a single form, and with everything being shown so easily comparisons can quickly be made. That brings us to another important point – comparisons. It’s always vital to compare several quotes as that’s the only way to guarantee that the right policy has been chosen, so remember to look at the level of cover, the price and anything else relevant when deciding what one to go for.

However, there’s a final way that can completely remove all the hassle of searching for quotes – going to an insurance broker. Brokers will be able to find many more quotes than could be found individually, and because they do the searching there’s absolutely no time wasted. They’ll even be able to offer help and advice on the quotes that should be considered, and while comparisons will still need to be made the whole process will be a lot simpler than going it alone.

So, to make searching for truck insurance quotes as easy as possible, it’s always best to go online. Price comparison sites and online insurance brokers will be just a few clicks away, making the whole process of finding quotes incredibly quick and simple. As long as proper research is done and comparisons made there’s no reason why the best possible quotes can’t be found this way, so anyone looking for insurance policies should always bear this in mind.

Dog Grooming Insurance

People are all too quick to blame these days, making insurance for just about everything an essential consideration. Dog grooming insurance is no exception. If you’re a dog groomer it’s vital that you’re completely insured against anything that could happen to the dog whilst it’s in your care, as you don’t want to be personally liable for any financial implications.

Running a dog grooming business takes a lot more consideration than would originally be thought. The dogs you’re looking after are someone’s pride and joy, and if anything went wrong you’d be liable to suffer great consequences. Accident or injury to the dog itself is always a risk no matter how careful you may be, as is losing the dog when it’s in your possession. It’s never nice to think about, but it pays to be prepared.

Dog grooming insurance covers you against any such eventualities. If you’re completely insured you won’t suffer the financial consequences of injuring or losing a dog, and a lot of the time the equipment used in your business can be insured as well to make sure you don’t lose out if anything were to be damaged, stolen or vandalised in any way.

A lot of policies also include employers and public liability cover, which is essential to protect you against any implications if a member of the public or an employee were to be injured on your property. Personal accident cover is also often included, sometimes as an added extra, which should always be considered just in case an accident or injury left you unable to work.

Many dog grooming insurance providers will let you tailor-make your policy to suit you and your business. Some will offer certain aspects as standard while with others they’ll be an added extra, but always make sure that you’re getting the level of cover that you need to suit you.

This type of insurance is incredibly specialised, and often you’ll have to do much more research than you normally would for other policies. It’s often advisable to seek out specialist pet insurance providers or even niche insurers, as it’s at these places that you’ll be able to get the level of cover that you’re looking for.

So, dog grooming insurance is essential for anyone who runs a dog grooming business. It protects your interests on the off-chance that the worst were to happen, as no matter how much we try to be prepared accidents can always happen. If you don’t want to suffer the financial consequences always make sure you’re covered, so spend the time to find the dog grooming insurance that is right for the needs of your business.

Cattery Insurance

Owning a business comes with numerous financial risks and obligations, and that’s why insurance is an essential consideration. Cattery insurance is just as vital, as if you’re looking after someone else’s pet you need to be prepared for anything that could happen.

Cattery insurance should, at the very least, include public and employer’s liability as well as buildings insurance. This protects you in the event that any employee or third party were to be injured whilst on your property, and buildings insurance covers the cost of any damage that could occur to the business itself be it through fire, theft or some other disastrous event.

Another essential consideration when it comes to cattery insurance is of course the cats themselves. People trust you to look after their valued pets, and if anything were to happen they’d be looking to blame someone – you. Now, insurance to cover the animals isn’t technically required as a lot of cats are already insured, but it gives you valuable peace of mind that everything’s covered.

Vets bills can quickly add up, and if a cat was to become ill or injured whilst in your care you need to be able to solve the problem as quickly as possible. Although the cat may well already be insured it’s still a good idea to have a cat insurance policy of your own, as vets bills need to be paid upfront either out of your own pocket or by passing the bill onto the owner. But, if you did that, would they use your services again?

Having adequate cattery insurance in place is a great way to encourage interest in your business. Owners will be safe in the knowledge that their pet is being properly taken care of, and if anything were to happen that was your fault they know that they won’t have to pay out of their own pocket. Theft is also often included in such insurance policies, and a lot of them will even offer extras such as advertising or rewards costs if a cat were to go missing.

So, cattery insurance is always worth having for anyone who owns a cattery business. It’s there to protect your financial interests as well as those of the owners, and can give both parties valuable peace of mind that everything’s under control. As long as you do your research you’re bound to be able to find the right policy, just make sure to check the small print to ensure you’re getting just what you’re looking for.

Dog Liability Insurance

Third party liability cover is included in most insurance policies these days, but what you might be surprised to know is that it’s covered in dog insurance policies too. There’s extremely good reasoning behind that fact, and dog liability insurance can actually be incredibly advantageous.

As a dog owner, you’re personally responsible for the actions and behaviours of your pet. If they were to do anything that damaged or injured someone else or their property in any way then, either through charges or compensation claims, you’d be required to pay any costs or damages incurred. That’s where dog liability insurance comes in.

This type of cover protects your financial interests in the event that your dog damages someone or something else, perhaps through personal injury to the individual themselves or even if your dog ran across the road and caused an accident. In some cases the level of cover even extends to the event that your dog caused the death of someone else – in such circumstances the compensation claim made would be extremely substantial, and without adequate insurance you’d have to pay that out of your own pocket.

There are a couple of pieces of legislation that tie in to this type of insurance, the main one being the 1991 Dangerous Dogs Act. This states that an owner of a dog who injures someone else would be liable to fines, a criminal record and even a prison sentence, and of course compensation claims. The dog would also have to be put down, and if you don’t want to suffer the financial upheaval as well as the emotional one it makes sense to be fully insured.

However, it’s worth noting that dog liability insurance tends to be offered in conjunction with a broader pet insurance policy and isn’t usually offered in its own right. This means that you need to check the small print to make sure that adequate liability cover is in place, as you don’t want to have a nasty shock if any claims were to be made against you and your pet.

Owning a dog comes with a host of responsibilities, and that includes keeping your dog under control. The financial (and even criminal) consequences of failing to do so can be severe, so it pays to have adequate dog liability insurance in place to cover your expenses should the worst happen. So, make sure you take the time to find the right insurance policy with enough liability cover so you can own your pet with confidence.

Building Site Insurance

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Building or even renovating your own home can be a great experience. You get the chance to build your dream home making it exactly how you want it, but it can also be a huge financial undertaking. That’s why building site insurance is important.

Building site insurance is important for anyone who’s self-building or undertaking a renovation project. This is because as soon as you buy that plot of land or a run-down house you’re potentially liable for any injuries, damage or financial implications that could occur. If you don’t want to have to pay for these things out of your own pocket it’s essential that appropriate insurance is put in place, as you don’t want to see all that hard work going down the drain.

Building site insurance may cover you against almost anything unthinkable that could happen. It protects you and your family from any possible finacial consequences that could occur on-site, and it protects the structure and the house as a whole from any vandalism, fire, theft or anything else untoward. If your project suffered from any of these things the financial consequences could be disastrous, and if you don’t have insurance in place you may not be able to continue.

As well as that it may also cover any tools, machinery and equipment that are used, and often it covers any site huts or outbuildings (including caravans) as well so you’re completely prepared. It should also include public and employer’s liability cover, as this is the legal aspect of the policy, especially important in self build insurance situations.

Building site insurance in itself is not a legal requirement – although it may be difficult to get a mortgage without it – but employer’s liability cover is. This protects any contractors and even members of the public from any injury that could occur, and as with any business it’s important to be covered.

Of course, the exact level of cover that you get will vary depending on the insurer and indeed the individual policy that’s chosen, but always make sure to do your research and compare several policies before you make your decision. Some companies will offer certain aspects, such as personal accident cover or existing structure cover, as standard whereas others will see them as an extra, so always check you’re getting the best you can for your money.

Self Build Insurance

These days, many of us have the self building bug. Being able to build our own home to our exact specifications is the ultimate dream, but if you’re lucky enough to be able to undertake such a project it’s important to be prepared. Self building comes with inherent financial risks, so if you don’t want to potentially lose money then self build insurance is important.

Self build insurance is desireable for anyone who wants to self build. It protects your interests during the construction process and usually for many years thereafter, so if the worst were to happen you’d be completely covered.

There are normally two parts to self build insurance, and it’s important that you consider both to make sure that you’re fully prepared. There’s site and/or renovation insurance for the construction stage, which usually includes, at the very least, cover against fire, theft and vandalism, with the building as a whole and any tools/machinery used typically being included.

This type of insurance usually includes employers and public liability cover as well. Building site insurance is a legal requirement as you need to protect your interests if you’re hiring contractors.

Then there’s structural warranty insurance. This is completely different from the previous type and again isn’t a legal requirement, but it certainly makes sense to have it there. Structural warranty cover protects your new home against any structural defects once the build is complete, and it’s an essential consideration to make sure you don’t lose out financially should the worse happen.

The specifics of all self build insurance policies are sure to vary depending on the company you go to, but always make sure that you’re getting the best that you can. You need to be completely prepared so you need to make sure, for example, that the existing structure is covered in the site insurance policy (if it’s a renovation), you need to make sure that your public/employers liability cover to a suitable level and you may want to ensure that your structural warranty protects you for several years.

So, self build insurance is an essential consideration for anyone embarking on a self build project. Although not all aspects are a legal requirement it’s certainly advisable to make sure that you’re fully covered, as the financial implications can be severe if anything were to go wrong. It’s never nice to think about but it always pays to be prepared, so make sure you do your research and always read the small print to get the best self build insurance policy that you can.

Motorhome Insurance

A lot of people don’t quite understand the implications surrounding motorhome insurance, with many assuming that it’s quite similar to regular caravan insurance. In a lot of ways it is, but there are certain things that set it apart.

For starters, regular caravan insurance isn’t always necessary. In a lot of cases it’s covered by the insurance of the car that’s towing it, but with motorhome insurance that’s not so. It’s the vehicle itself that’s on the road, and as such it’s subject to the same insurance regulations as cars.

This means that it’s a legal requirement to have motorhome insurance if you’re going to be driving on public roads. This is essential to cover you, your passengers and even third parties and other vehicles/properties in the event of an accident, injury or other damage sustained, and given that so many cars are on the road that’s an ever-present threat.

But, your motorhome shouldn’t just be insured when it’s on the road – it’s a good idea for it to be covered when it’s on the campsite as well. There’s always the risk of damage occurring, perhaps through fires or floods, and the financial consequences can be devastating. Theft is also important to consider as the theft of caravans of all kinds is on the rise, and given that a motorhome can take up a sizeable chunk of your savings it makes sense to be prepared.

It’s also a good idea to think about your possessions. People tend to take quite expensive items on holiday these days, and if you don’t want to have to replace them yourself it’s wise to see if they can be included in your policy. However, there are a few caveats to this – in some cases your possessions will be covered by your home insurance already, but if not some motorhome policies exclude possessions of a more expensive nature, so always make sure you check what’s covered before you start loading up the motorhome.

So, motorhome insurance is vital for all owners of such vehicles. It’s a legal requirement if you’re going to be driving on public roads, but even if you’re not it makes sense to look for added extras so you’re completely prepared. Spend the time to find the policy that’s right for you, ideally by going to niche insurers, and always go for the most comprehensive cover you can afford to make sure that you’re completely financially prepared.

Parrot Pet Insurance

More and more of us are catching on to the idea of having pet insurance, and when you consider the financial costs of owning a pet it’s certainly wise to do so. However, if you’re new to the concept you may be surprised to know that it’s possible to get specific parrot pet insurance, and if you’re a parrot owner yourself this can be hugely beneficial.

Parrot insurance should always be considered for all parrot owners, especially given the fact that these birds can often be quite expensive to begin with. They’re prized animals and can command a high price on the black market, and as such there’s always the risk of them being stolen – if that were to happen the emotional damage would be bad enough, so it makes sense to be covered against the financial damage as well.

Then there’s the cost of vets bills. Anyone who owns a pet of any kind is sure to know that they can quickly add up, and given that parrots are so specialised their bills can easily sky rocket if they were to become ill or injured in any way. It makes sense to be prepared for that fact, as no matter how much we try to avoid it there’s always the chance that something could happen.

That is, after all, the whole point of having parrot pet insurance in the first place. There’s always the risk of your pet becoming ill, injured or even stolen, and if you don’t want to have to worry about the financial implications as well as the emotional ones it makes sense to be prepared, even if we don’t like to think about it too much.

That’s why it’s so essential to choose your insurance policy carefully. Different insurers and even policies will include different things as standard, so make sure you do your research to make sure you’re getting what you need. It’s often a good idea to go for specialist or niche insurers, ideally those that specialise in exotic birds or animals, as they’ll know just what you need to be adequately covered.

So, although parrot pet insurance is by no means a legal obligation, it’s certainly wise to invest in some. It can protect you against any financial costs should the worst happen to your pet, so always spend the time to choose wisely to make sure that you’re completely prepared for anything that could occur.

Exotic Bird Insurance

Having pet insurance is becoming more and more common, but one of the more specialised areas has got to be exotic bird insurance. At first glance it seems highly unusual, but if you think about it, why should it be? Exotic birds are pets too, and given that they can often be quite expensive it makes sense to have them fully insured.

Insurance for exotic birds should always be sought to cover things like vets bills, theft of the bird and injury to it, as the costs incurred from any of these things can quickly add up. Although this type of insurance is by no means a legal requirement it certainly makes sense to have cover in place, as this will protect against any financial loss in the future.

Vets bills can be incredibly expensive, so cover for this should be the very least that’s offered in a policy. The theft of exotic birds is also on the rise, with the price of many birds being increasingly high on the black market. Because this is becoming a frequent problem having cover against the potential theft of the bird should also be included, particularly when you consider the amount it could cost to replace it.

It’s never nice to think of anything happening to a beloved pet, but unfortunately things can and do happen. The emotional strain is going to be bad enough so it makes sense to prepare for the financial strain as well, as having a combination of the two can be an awful lot to cope with. That’s what makes exotic bird insurance so important – it protects families from financial strain during difficult times.

The price of such insurance is sure to vary according to the company chosen and indeed the level of cover, so it’s wise to do adequate research. Make sure to carefully read the small print so as not to have a nasty surprise in the event of a claim being made, and always make sure the policy is as comprehensive as possible. This could result in higher premiums, but in the long run the money saved will be well worth it.

So, although not legally required, exotic bird insurance should always be considered for owners of these pets. It can take the financial strain away from a difficult situation and can give exotic bird owners valuable peace of mind, so adequate insurance should always be sought as soon as possible.

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The Problem of High UK Car Insurance Premiums

Anyone that’s tried to insure a car elsewhere in Europe is sure to have found a huge difference in prices. Invariably, UK car insurance always comes out more expensive. But why is that, and is there anything that can be done to get around it?

UK car insurance is often more expensive because of the different insurance rules involved in each country. Elsewhere in the EU you’re often able to insure the car alone, meaning that as long as you have the right papers and insurance in place anyone can drive it. In the UK, however, you insure the driver as well as the vehicle, but you’ll often be able to get much more comprehensive cover as well.

But, as is often the case between different countries, sometimes you simply have to pay more for a similar level of cover and there may not be any obvious reason behind it. So how can you avoid paying such high insurance premiums?

Unfortunately there’s not a lot you can do to get around it. The fact remains that if you want to drive a car legally in the UK you need to get adequate insurance, and that often means you’ll be paying more than in the rest of Europe. But, if you make sure to shop around, you should be able to drive down the prices to something more reasonable.

Every insurance company will be able to offer different policies at different prices, so always spend the time to check. You could do this on your own, or to save yourself the hassle you could always check price comparison sites to find even better deals.

This will be the best way to avoid the often incredibly high insurance premiums that you can be faced with in the UK, and by shopping around you’ll be able to get the best you can for your money. You might also want to consider increasing your excess or going for a more basic level of cover instead of a comprehensive policy, and as long as you’re getting everything you need you shouldn’t have a problem.

So, although UK car insurance policies can often be expensive, there are things that you can do to reduce those premiums. Insurance is an unfortunate fact of life and while we may begrudge paying for it now it could well help us out later on, and if you remember to always do your research and find the best deals you can avoid breaking the bank.

Euroferret.com is owned by Mediamash (NI) Limited, who are an Introducer Appointed Representative of Seopa Ltd. The quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FCA, number 313860. You can view our registration at www.fsa.gov.uk/register/firmSearchForm.do?sid=127135. We do not give financial advice on this website. If in doubt get professional advice and always read the policy information before purchasing an insurance contract.