Archives for May 2012

Personal Liability for Pets

  • If your pet damages another person’s property, you could be liable for the damage. Whilst you think that your precious dog is capable of no harm, you may find they create accidental damage that leads to significant financial responsibility.

As the pet owner, you are responsible for your pet’s behaviour. If your pet dog is unruly or dangerous, for example, you could find that you are to blame for any damage or destruction that they cause. Your dog might not intend to break a precious vase in a house your visiting, or knock over a small child– but these accidents can happen.

Out of character:

You may find that your dog behaves out of character if they are taken to new surroundings – this can include destructive or dangerous behaviour. Your dog might never urinate inside in your home, for example, but if your dog is put in an unusual place with people and surroundings he doesn’t recognise – he could cause damage and embarrassment with destructive behaviour.

Behavioural training:

If your dog is deemed to have antisocial behaviour, you may want to take them for behavioural training. “But that’s so expensive!” you may reply – what many people don’t realise, however, is that good pet insurance can sometimes cover the cost of behavioural training. Contact your pet insurance provider to confirm how much they can support the cost of behavioural training, as long as it is deemed necessary by a recognised vet.

The cost of bad behaviour:

If your dog does misbehave, you could incur significant costs for the damage they cause. Dogs can be particularly exuberant and energetic; and if that energy is misdirected, it can cause more damage than you might expect.

Pet insurance:

Pet insurance can help prevent damage from arising from bad behaviour, by financially supporting your animal through necessary behavioural training. If your dog still causes damage, then pet insurance could cover you for that cost too. Good pet insurance could protect you against 
legal liability for up to £2 million. This could cover your dog injuring, killing or passing an illness to someone not employed by you or a member of your family. This personal liability protection would also cover damage to another’s property, as long as the property isn’t not under your care or belonging to your family.

You should personally take direct responsibility for all your pet’s actions, as he or she could unwittingly cause damage and destruction. By taking out pet insurance, you may find that you can also protect yourself financially.

About John Lewis Insurance

 

With John Lewis Pet Insurance you can choose from four levels of cover for vet’s fees so you can find the right level for you and your pet. Visit www.johnlewis-insurance.com/pet for further information and a quote.

 Terms, conditions, limitations, exclusions and eligibility criteria apply. A full copy of the policy wording and the insurance complaints procedure are available on request.

If you are disabled and would like to drive what is the first step?

If you have a disability, depending on it’s severity, you may well be used to facing challenges in your day-to-day life. Having a disability can be restrictive and frustrating. However, learning to drive, despite your disability can provide a kind of freedom you may not have experienced before. The feeling of freedom one feels when out on the open road is something that can bring real pleasure and joy. Depending on the severity of your disability, learning to drive is mostly exactly the same as it is for everyone else; take your lessons, take your theory and practical test and hey presto!

Age restrictions

The minimum age to learn to drive in the UK is 17, but if you receive the higher rate of Disability Living Allowance, including the mobility component you can start to learn to drive at 16. Furthermore, if you are aged between 16 and 24 you can get financial support to put towards the cost of driving lessons from a scheme called Motability.

Specialist instructors

When you have decided to learn to drive your fist step should be to seek out a professional driving instructor. Of course, all drivers should seek professional driving lessons, but as a disabled person, you may want to think about seeking out an instructor who has specialist knowledge of your specific needs. If possible try to find a driving instructor who has taken a specialist course in teaching disabled people. Always ask to see accreditation; instructors often take their special courses at Banstead Mobility Centre or the Transport Research Laboratory. Specialist instructors can teach you more than just how to drive. They can teach you how to get in and out of the car easily, how to get your wheelchair in and out of the car if you have one and how to use any adapted controls you may have. If your disability is minor, you may be able to learn in an unmodified car, or one that needs only minor alterations, making your search for an instructor and suitable vehicle slightly easier.

Insurance

Once you have learnt to drive and have passed your test, you may want to buy your first car. Buying your first car is one of the most exciting things to do in life, but it comes with a big responsibility and considerable cost. Once you have decided on the car you want, adapted it where necessary and informed the DVLA of your purchase and circumstances, you will need to insure your car. It is unwise to assume that a regular insurance policy will meet the needs of a disabled driver. There are some insurers that specialise in insuring disabled people; Chartwell insurers are experienced and knowledgeable in the field of disabled motorist insurance. Their ‘Freedom’ range of disabled motorist policies offer highly competitive rates.  More so, you will not be asked to answer invasive and irrelevant questions about your disability .You can learn more about disabled motorist insurance by vising chartwellinsurance.co.uk

Hidden costs of car insurance uncovered

 

Buying car insurance can be tricky, especially with the amount of different companies in the market and the range of different policies available to you. We all want to find the best car insurance quotes and may spend hours searching for what we think is the best deal, but what many of us may not realise is there can be significant costs hidden within your policy. So what are they and how can we avoid them?

Speeding Offences

In recent years car insurance companies have started to penalise drivers who are convicted of driving offences such as speeding or using a mobile phone whilst driving.

This can mean that on top of a paying a fine for such offences, drivers could face a considerable increase to their insurance premium in the months following their conviction. Drivers can help reduce, or in some cases even stop, this price hike by completing a speed awareness course or similar course depending on the nature of the offence.

Aside from driving offences, checking your insurance quote thoroughly before you buy could mean you avoid costly and unnecessary charges. Quite often quotes will be shown as a total price per year. However, be aware of interest rates if you decide to pay in instalments. Car insurance can be a costly affair so many people chose to pay in instalments, but if you can afford to pay for the year’s cover in one fell swoop then you could potentially save over £100.

Policy Adjustments

Policy adjustments are also an area where car insurance companies may charge you more than you’d expect. A simple change of name or address could cost you over £50 for each change made. Around Two thirds of car insurance companies will charge you for making any changes to your policy after you take it out.

Although this may seem steep, it is essential that you do tell your insurance company about any changes that affect your policy. It could prove to be much more expensive if your policy is incorrect as the insurance company could refuse to payout if you need to make a claim.

Cancellation charges

Finally, if you have to cancel your insurance policy mid way through the year, you may find that you get the remaining month’s payments back, but you could be charged a fee for cancelling your policy. On top of this you may also face increased premiums later on because you don’t receive any no claims discounts on future policies. By transferring your car insurance to another vehicle you could avoid these charges and also continue to build up a no claims bonus.

Other charges you may want to look out for are renewal or re-activation fees, which car insurance companies, justify as administration fees. These are uncommon but are definitely something to be aware of when you’re looking for car insurance quotes.

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.