Archives for 2013

Driving with Hearing Loss

Hearing loss affects around nine million people in the UK in some form, and with around 35 million cars on the roads, that’s a lot of drivers who struggle with some kind of hearing loss. There are usually a lot of evident signs that a driver has an issue, including having the radio up loud in the car, asking their passenger to repeat what they said or the inability to hear a car beeping the horn behind them and the only way that the person might become aware of the issue is when they are encouraged to visit hearing care professional like Hidden Hearing to be tested.

A common belief among road users is that because someone has an issue with their hearing, they simply shouldn’t be allowed to drive on the roads. Many believe that the deaf and hard of hearing are at greater risk of being involved in an accident but this has yet to be proven by any research.

There are a number of factors that lead people to believe that those with hearing lossare actually very good drivers, one of which being that it enhances the other senses such as their all-round vision, helping them to stay alert and conscious of what and who is around them at all times while on the road. There is also a view that those who don’t have issues with their hearing tend to listen to louder music on the radio and are, therefore, less attentive and more at risk of being involved in an accident.

If you are deaf, you may need to inform the DVLA of your condition depending on the type of vehicle you’re driving. According to the Gov.uk website, you don’t need to tell the DVLA to obtain a car or motorcycle license, but you must tell them if you are applying for a bus, coach or lorry license. There are a number of reasons why people should be cautious about people driving with hearing loss, the obvious ones being that they’re unable to hear emergency services behind them and they’re having to rely on their sight. However, some manufacturers are believed to be developing a form of GPS system that sits in the vehicle and alerts the driver to the police, ambulance or fire service that might be coming up behind them.

Nations such as Australia are attempting to bring in regulations relating to driving on the roads with a hearing loss, but at the moment there are no plans in Britain to make any changes to the regulations which currently only require commercial drivers with a hearing loss of more than 40dB to undergo regular checks on their hearing and to be given a conditional license as opposed to the full version.

Ella Mason, an experienced freelance writer, wrote this article. Ella specialises in providing useful and engaging advice to small businesses. Follow her on Twitter @ellatmason

Speeding Prevention Campaign

Many young drivers are unaware of the dangers that face them after passing their test. The responsibility is on your shoulders for yourself and those in the car if you decide to speed, and the lives of yourself or those around you could change in a split second if anything were to go wrong. http://www.ingenie.com/ have released a video of an interview between Gary Lineker and Sophie Morgan, who was tragically involved in a car accident that left her paralysed at just 18 years old. Her brutal honesty about the subject and passion to get the word out about speeding is impacting as she explains why it is so important to slow down on the road.

A Guide to Personal Injury Claims

Personal injury is something we hear a lot about these days with solicitors looking to help those who have been injured by something that was out of their control. The solicitors are able to acquire compensation for their clients if it is proved that someone or something else was at fault, but many members of the public still remain unsure as to the law around certain injuries and when they do and do not have a claim.

The laws around compensation recently changed in the UK with firms who claim to offer 100% compensation having to change their policy after it was revealed that those offers were too good to be true. Some companies like Claim Today on the other hand, continue to offer their clients the full amount of compensation if they’re successful, because they are able to reclaim the fees from the person or company to blame.

Thousands of people each year are injured in accidents that aren’t their fault, ranging from slipping over on wet floors in the office, to car accidents where another hit their vehicle with the other driver at fault.  A lot of people are put off making claims, however, because they think that it’s a long and complicated process that involves filling a mountain of forms and then attending a court hearing, which can be particularly stressful. However, employing a professional personal injury solicitor can take a lot of the stress and hard work away from you – the injured party – and let them handle it all.

The question “how do I know if I have a claim?” comes up a lot, and the simple answer is to go and find out. Many firms offer a free initial consultation service where the solicitor will sit down with you and discuss the events that resulted in your injury and they will be able to tell you if you have a justifiable claim for compensation.

From here, the solicitor will be able to tell you the likelihood of your case resulting in a victory on your part, and also how much compensation you might be able to claim for (although it’s worth noting that this is only a rough estimate, it may not be the actual figure). They will also be able to explain all of the legal procedures involved in the case so that you understand everything about the case and how long it might take. It could eventually lead to a court hearing if you decide to take it to court, although many cases are resolved outside the courtroom with the solicitor working for the defendant advising that they settle the case personally rather than in the hands of a judge.

Types Of Mortgage Rates

When choosing a mortgage option for you, there is one thing that sticks out like a sore thumb; this is the interest rate. The interest rate that an individual will get often determines whether he has a good deal or otherwise. It also determines the amount of money that an individual will end up paying in the long run. This is why it is important for you as an individual to familiarize yourself with the different kinds of rates that the market offers. In the UK, there are three main types of interest rates.

The most common interest rate is the fixed rate. The fixed rate as the name suggests means that an individual will be required to pay a specific amount of money for a specific duration of time. Some people may choose a fixed rate for the entire length of the mortgage. However, in most cases individual have fixed rates for a specific time period after which they revert to lender’s standard variable rate.

The other type of mortgage interest rate is the tracker rates. In this case, the rate that an individual pays is usually attached to another rate. In most cases, it is attached to the Bank of England base rate. As such, this rate is a set margin that can be either below or above the Bank of England base rate for a specific period of time. For instance, you may have a rate that is 1% above the base rate for a period of five years. During this period, the rate will fluctuate depending on the movement of the base rate. This is why you need the mortgage calculator with you; to make these often complicated calculations and give you a simple figure that you can pay when time comes.

Discounted rates are the third type of rates that can be accessed by those seeking to get mortgages within the UK. These kinds of rates have the same working structure as the tracker rates. The difference in this case is that interest rate is often a set margin below the lender’s SVR. This is done for a specific period of time, during which period it moves up and down with the changes in the SVR.

Benefits of the In Car Black Box

Learning to drive is an investment, there are lots of hidden costs and expenses that need to be covered in order to earn that all important driving licence. The cost of lessons, tests, theory examinations soon begin to add up and it doesn’t end once the driving test has been passed. The next step is too cover the cost of the car, road tax, maintenance and most importantly the cost of insurance premiums that will offer a form of protection should an accident happen or any damage is done to the vehicle. Having insurance is a legal requirement and NOT something that can be avoided simply because it is too expensive, instead there are different methods that can bring down the cost of insurance however slight. Additional driving qualifications and an in car black box from companies such as ingenie.com , are the most effective ways to save as much money as possible. The in car black box is a piece of technology which is easily and discreetly installed into any vehicle to monitor the way someone drives in the hope of bringing down the cost of insurance and help new drivers to iron out any flaws or bad habits they may have which will have a direct impact on the insurance premium.

The bigger the risk the driver is considered to be, the higher the cost of the insurance.

The black box is the answer young drivers have been looking for and here is why…

Lower Insurance Premiums

Insurers appreciate the value of the black box and see it as a sign that drivers are making a serious attempt to improve the quality of their driving and ultimately bring down the cost of insurance.

Less Likely to Have an Accident

The black box stores data regarding the way a person drives and regular reports are received with any concerning areas. The driver can then continue to grow in confidence whilst on the road and will be more aware of any elements that could lead to an accident.

Safe Drivers are Rewarded

Drivers that have made no or very few claims on their insurance are not seen as a risk and are rewarded with falling insurance premiums every year they continue to drive safely.

Safer for Other Road Users

Young drivers are a hazard at times, they can lack confidence and be unsure of the rules in each situation, if they are receiving regular reports on where they are going wrong they will rectify this which will greatly benefit other road users.

Safer for Pedestrians

For much the same reason as above, there will be a greater focus on the people and drivers around them and young drivers will amend their driving skills accordingly. The reports will allow them to understand how their driving affects others.

Evidence

If the worst should happen and an accident occurs, the black box will provide evidence to say who was at fault. It will be able to collate the data leading up to the crash for the one vehicle and determine the likelihood of who was at fault.

Red Driving School Road Safety Infographic

Driving safety lessons from RED Driving School

How to Protect Your Lifestyle

Income protection cover

Whatever we might wish to otherwise be the case, the reality of modern life is that an income is necessary to survive.

It may be that you take for granted your income and what it provides you with, such as the ability to pay your mortgage, household bills, food, clothing and children’s expenses etc.

However, there are three things that might quickly and unpredictably remove your ability to earn income for yourself and your family’s needs:

  • accidents;
  • sickness;
  • compulsory unemployment.

In any of the above circumstances, you may find yourself unable to work and therefore obtain income.  Financial difficulties might follow very rapidly unless you have taken steps to protect yourself through an income protection insurance policy of a type offered by Drewberry Insurance and others.

The cover provided

There are a number of options available to protect your income and the basic principles of such policies are very straightforward.

There are short term options, such as income payment protection insurance that offer cover against forced redundancy, sickness and accident. These typically run for between 12-24 months of you being unable to work, or of you being unemployed.

Longer term income protection policies can run for a number of years – up until retirement age – and cover inability to earn an income due to accident or illness. Redundancy is not covered by this type of policy.

How do they work?

If you experience unemployment or the inability to continue working due to an insured risk, then presuming the conditions of the policy have been met, the provider will commence paying you a monthly income at a specified level.  That would continue until you are able to return to work or reach the maximum pay out duration period as specified by the policy which with long term policies could be your normal retirement date.

Of course, this type of cover is meant to protect you against circumstances under which you could have had no reasonable degree of control.  So, as you might imagine, it will not make payments in situations where you have been responsible for events including typically things such as resignations, criminal activities, career breaks and so on.

Is such cover necessary?

It is possible that your employer will have some form of accident and sickness scheme in place.  If so, you may need to inspect it closely to understand both its benefits and limitations.

Typically though, full salary levels are only paid in the event of accidents and sickness up to a limited number of weeks.  After that time, the percentage of salary paid may diminish rapidly until quickly reaching zero.

You may find that such protection would not be able to offer you a relatively normal financial life for more than a short period of time. 

The standard government social help in such situations is also typically extremely limited.  Many people may find it extremely difficult to survive based upon that help alone.

Could it happen to you?

Official figures for 2012 show a total of approximately 595,000 redundancies alone across the United Kingdom.

Of course, some of those so affected may have found alternative employment relatively quickly but these figures also clearly do not include those who were unable to work due to accident or sickness.

The bottom line is clear – losing your income or seeing it substantially reduced is not something that only happens to others nor is it rare.

That’s why it might make sense to find out more about the different variations of income protection insurance available sooner rather than later.

Where Do You Go For a Service or Repair?

Sometimes there’s just no way around it, you need to get some repair work done on your car. General wear and tear damage can lead to more significant problems so it’s often best to nip them in the bud where possible. No matter how important the repair work is, it’s always best that you take your car to a mechanic that you trust.

The question is, how do you know if you can trust a mechanic if you’ve never had to visit a centre for that make of vehicle, such as a Volkswagen service centre, and how do you know that you’re getting the best price? It really is a case of not knowing until you give it a try sometimes, but there are a number of measures you can take to ensure that you’re going to the best people for the job.

One such measure is to speak to trusted friends and family members who may have visited that mechanic previously and find out about their experiences, or you can take to the Internet and try and find some reviews to see how other people got on. You’ll need to find out about the quality of the workmanship, the level of service received and also about the value for money because you certainly don’t want an over-the-top price and sub-standard work.

As you may be without a car for a period of time, whether it’s a matter of hours or a couple of days, it’s worth finding out where the repair or service centre is in relation to your home or work. You may need to arrange alternative transport during that time through family, friends or colleagues and you will also have to get back to the centre to collect the vehicle.

You should also speak to the mechanics rather than a receptionist to get the full detail on the work required and what has been done. A good quality mechanic will explain in detail – but in language you can understand – what needs doing, how long it will take and what was done; and they will also listen to you and your concerns over the job and what you would like doing. For instance, if you only want or can afford a routine service, don’t let them convince you to have further work done that you neither need nor can afford.

Finally, make sure you get a number of quotes and that they all include the cost of labour. Many initial quotes will only include the cost of the parts required to complete the work that can be misleading as you can budget for that price only to have more slapped on top that you might not have been expecting. Also, compare your quoted price with another centre to find out if you’re getting the best deal going – you don’t want to be paying any more than is necessary.

The Benefits of Third Party Insurance

Insuring your car can be one of the most difficult processes you experience each year, and many are already annoyed by the fact that they have to shell out yet more money on a legal requirement just to drive on the roads. With everyone feeling the pinch and trying to keep an eye on their finances, insurance is seen by many as an unnecessary expense, while it should be seen as a necessity and budgeted for in advance.

There are a number of different kinds of insurance policy available, especially for motorists, ranging from fully comprehensive cover that will insure your vehicle against all risks on the road to budget third party car insurance that will cover you for less, whilst still allowing you to drive on the roads. Without any form of insurance policy you need to remember that you are actually breaking the law by driving on the roads.

Third party car insurance, as mentioned, is the smallest form of cover to get you out on the roads. Put simply, it only covers damage caused to other vehicles or property belonging to the other car owner, and any injuries that they suffer as a result of an accident that is deemed to be your fault.

The ‘property’ covered under third party insurance isn’t just the items in the car with the person at the time – such as their mobile phone, contents of their rucksack or their awful CDs – but it can include things such as garden walls or shop fronts, (the things you collide with essentially in the case that it isn’t a car-on-car collision).

The biggest benefit of third party insurance over fully comprehensive, for instance, is that it is often far cheaper making it ideal for new drivers or those strapped for cash. As a new driver, you may have just spent a significant amount on your first car or you might be going onto your own policy for the first time and it is particularly expensive. However, you need to be insured before you can drive so having third party cover makes sense until you can save up more for when your renewal comes around.

With a third party policy in place, you can start to build up your no claims discount which will help to bring your premium down in the future. The longer you spend driving with your policy in place and without making a claim, the greater the discount you will be awarded at renewal time because you’re showing the insurer that you’re a responsible driver and not someone who is reckless and crashing every few months!

The Suzuki Sx4 S-Cross – Facts and Figures

Whether you’re choosing a new car or a used model, you never quite know what you’re going to get until you take a look around the vehicle and take it out for a test drive. Reading specifications online or the brochures at the dealership will give you a feel for the car, but different people look for different things when buying a car.

Some look for the same manufacturer they’ve driven for years because they’re so impressed with the reliability, others look for the most modern tech and gadgets that come with the various models while others will buy from a particular dealership, such as T W White because they find that the service is so good and the cars on the forecourt provide everything they could want.

The latest range of vehicles, known as crossovers, have people scratching their heads for a completely different reason, because they’re so new to the market and people are unsure how the various components work when put together. The Suzuki Sx4 is just one example of a crossover vehicle, incorporating the bets bits of a family saloon and a traditional 4×4.

So why is it so good? Rather than just re-writing all of the various industry reviews or telling you the kind of things you’d hear at a dealership, let’s deal in cold hard facts and figures:

  • There are two main models of the Sx4 – a 1.6-litre petrol engine and a 2.0-litre diesel. The petrol version comes in front-wheel drive OR four-wheel drive, while the diesel model is available in four-wheel drive ONLY.
  • The petrol model has a top-speed of around 115mph, reaching 60mph in around 10.7 seconds, with emissions ranging between 141 and 115g/km depending on the manual or automatic transmission. In terms of fuel consumption, the petrol produces between 42 and 45.6mpg with pricing ranging from just over £11,000 to just under £15,000 depending on the option you choose, with a series of optional extras adding to the standard price.
  • In terms of the diesel, you get better fuel economy, as you would expect, with 53.3mpg and the fewest Carbon Dioxide emissions with 139g/km. It has a top speed of 112mph, going from 0-60 in 11.2 seconds and costing between £16,500 and £17,000.
  • Available in a choice of six colours the choice is yours, allowing you to choose the model that meets your requirements and specifications.
  • All models come with a standard Suzuki three-year or 60,000-mile warranty that you get with all new Suzuki vehicles.

Five Must See New Cars for 2013

Every year, car manufacturers release the latest model to add to their ranges, not only to fall in line with what the consumers wants, to utilise the latest in car technology but also to become one of the preferred car brands in the world. Manufacturers either improve an existing model but adding up to date technology or have a complete new design to add to their expansive list of every day vehicles.

There are so many different car types that manufacturers can focus on to appeal to the target consumer. Whether they look at the size of a car, the effect it has on the environment or even the overall cost of the vehicle, all are appealing to the potential customer.

Cars aren’t just a luxury; they are an intricate part of everyday life and the most popular mode of transport.

2013 has been the year that leading car manufacturers have chosen to launch their newest additions and designs. Below are the 5 I think all car enthusiasts will enjoy…

  1. 1. Peugeot 208 GTI

The lighter more powerful version of the original 208 will no doubt be just as popular as the original model. Peugeot have focused on re-designing and improving areas of the model that proved unsuccessful last time round. Stronger suspension, bigger breaks and a sporty appearance make the 208 almost unrecognisable.

  1. 2. Volkswagen E-Golf

Conscious of the negative effects cars have on the environment, Volkswagen have released the environmentally version of the Golf. By far the manufacturers most popular model, the car now comes with the title of being the best electric car created so far. A longer driving range, different driving modes combined with the standard Golf appearance will ensure this car is a success.

  1. 3. BMW 3 Series Gran Turismo

The 5 door hatchback will easily eclipse the success of the GT model. The car has been made more spacious, faster and sleeker. The features are similar to that of the GT but they have been enhanced to make the ideal family car, just with the edge of a spoiler for increased speed.

  1. 4. Mercedes Benz f125

Labelled as a luxury vehicle, the hydrogen power shows a real advancement in fuel technology with Mercedes joining the attempt to create an environmentally friendly car that doesn’t lose the qualities of a petrol based car. The car is made of carbon fibre and is lightweight and nimble and has an overall sharper appearance.

  1. 5. Toyota Auris Touring Sports

Toyota has launched the estate version of the incredibly popular Auris. The design is incredibly similar with the differences being difficult to identify. Full hybrid power has increased the speed of the vehicle and the rear of the car has been overhauled to ensure it differs from the original model and to allow for the increase speed and space. The Auris Touring Sports is one of the most reasonably priced estate cars available.

Buying a new car is one of the hardest choices, yet one of the most exciting purchases you can make. A new car takes pride of place on the driveway and owners have an overwhelming desire to keep it in perfect condition for as long as possible. One of the best ways to keep your new car scratch and dirt free is to have it delivered to you, car transport on uship is one of the best ways to ensure your precious purchase arrives to you safely and in the best possible condition.

Britain Named Whiplash Capital of the World

In 2011 whiplash claims cost the UK motor insurance industry a staggering £2.2 billion according to The Association of British Insurers (ABI). But it’s not only the insurance companies who are bearing the brunt, as these claims are bringing up the price of the insurance premiums in a desperate bid to reclaim the lost money. But why do we make so many claims in comparison to other countries and what is being done to get this problem under control?

What is ‘whiplash’?

Whiplash is an injury to the neck caused by a sudden collision, e.g. a car hitting you from behind. It has been estimated that 25 per cent of claims may be fraudulent, with people trying to get compensation for suffering a collision in their vehicle – even if they did not damage their neck in any way.

Why are there so many false claims?

It can be difficult for doctors to diagnose whether or not a person has whiplash – especially is a person is looking for compensation at any cost and therefore may be willing to claim their symptoms are worse than they actually are.

What can be done to cut down on false claims?

The government is planning to take measures to bring down the amount of false claims by devising a way for a deeper and more accurate diagnosis by doctors. And of course there’s the extra addition of an average of £90 to insurance policies.

What if I really do have whiplash?

After the extensive media coverage of fake whiplash claims, it can be worrying to think that you may not be believed if you really did get injured. It will involve an accurate diagnosis by your GP and you should take up your accident claims with a personal injury lawyer.

What does the future hold for whiplash claims?

The plan is to deter people from false claims by making diagnosis more difficult, the process more thorough and to question claims that do not add up. This will make it less straightforward for people to make a claim and hopefully put people off for fear of being caught out.

All in all, whiplash is a huge concern for the UK as there are people who have genuine injuries as a result of an accident, yet due to the number of fraudulent claims, their claims are taken less seriously. The Government is taking this issue seriously in order to minimise the amount it is costing the motoring insurance each year, which is impacting on higher premiums for drivers – many of whom have never made a claim.

If you want to know more about the Government’s plans to tighten up on whiplash, visit Gov.uk.

Household Saving Tips for Families on a Budget

Despite encouraging economic news with the UK manufacturing industry reporting record growth in the past two years, the fact remains that standard of living for most British families has continued to fall.

With the costs of basic goods and services such as food, fuel and transport continuing to rise, this year it’s important to gather as much information as possible on how to save money in your household.

Check out these how-to tips for saving money if you’re on a budget.

 Change supermarkets

You may be used to shopping at one of the more expensive or middle-range supermarkets like Waitrose or Sainsbury’s, or you might even shop at a lower-priced store, but always buy branded goods.

Whatever your situation, there is always room to slim down the cost of your weekly shop. First, try shopping around different supermarkets each week to find out which ones have the best value quality goods for you.

Another way forward is to save money by purchasing your fresh goods from the more expensive supermarket and then your longer-life items from the cheaper one, as the quality of such things is not impaired in the same way.

Shop online

Whether it’s clothes, makeup, books, records, furniture or DVDs, there are always fantastic deals to be had when you shop online.

Not only do you cut out the hassle of physically looking around the shops on the off-chance you’ll actually find what you want (and then queuing for a lengthy period to pay for it), you can check out what’s available on the websites of shops you want to visit, and see at the click of a mouse which of them has the best deal on the product you’re looking for.

Often, retailers offer online discount, which happens less when you’re shopping in-store unless there’s actually a sale on.

Use comparison websites

From car insurance to paying for your next holiday, comparison websites offer the most quick and effective way to find out what the best deals are, instantly.

Do an online search for the best tried and trusted price comparison sites, and enter your search terms. You should then see a comprehensive breakdown of the difference in prices for whatever it is you’re thinking of purchasing.

Get a cheaper car

One of the most expensive products we own are our cars. From making repayments on a new car, to the £3,000+ average yearly cost of running them, if you have the wrong car you can seriously dent your pocket.

Do some research to find out if the car you own is currently economical. Add up all your yearly costs, then look at your car’s emissions, insurance bracket and miles per gallon to see if you’re actually paying over the odds.

If you discover that to be the case, then you could do worse than check out the best car finance deals to see what options you have on getting yourself funds for a new (or new to you) set of wheels.

A guide to collecting evidence at the scene of an accident

If you’ve been involved in a road traffic accident that wasn’t your fault then it’s quite likely you’ll be entitled to a claim. However, for your road traffic accident claim to have the best chance of success, you need to be able to provide sufficient evidence to back it up. The best place to start collecting this is at the scene of the accident.

Photographic evidence

This is the best way to start when gathering evidence. If you can, you should take pictures of the accident immediately after it’s taken place. Luckily, most of us carry phones with built-in digital cameras and picture phone photos should easily suffice.

One thing you should be concentrating on is the view that both you and the third party had when approaching the accident scene. This is probably the most effective way of helping an impartial inquiry establish fault. It’s also very useful to capture an overall view of the road lay-out, focussing on any road markings or traffic signs that may have be relevant to the accident. Try and make these as clear as possible.

Creating a record of debris on the road is also necessary. However, it’s not the debris itself that you need to focus on, but rather its position on the road. Ensure that you do not clear it from the road or move it until you have a photographic record, taken from a good distance so you can tell its relation to the road and possibly even vehicles.

In addition, skid or tire markings on the road are usually a good way of piecing together an accident after it’s happened. Like the debris, you want to get a good shot of them from a distance, showing their relation to the road. It’s a good way of telling the speed of the vehicles, or the intent or concentration of the drivers.

Obviously, you also want photos of the damage to the vehicles involved. Both close-ups conveying the extent of the damage and angles showing the positioning of the damage on the car are important for your claim.

Statements

It’s important that you note down the name, address and other contact details for anyone that witnessed the accident.  These can prove invaluable when making a claim. If any police were present and any reports made, then even better. Ensure you record the reference number and pass these on to your representatives as soon as possible.

Injuries

Photographing these at the scene may or may not be relevant, depending on the injury. Whatever the injury, though, at some stage you will want to create photographic evidence of any injuries to go with your claim. Bruises can take a while to come up, but cuts, grazes and other such damage can be recorded instantly. Photos of injuries should be taken close up and at various angles, and should be taken in natural light.

For more serious injuries, you will need to obtain medical reports from professionals as evidence. You can also keep ‘pain diaries’ that record your healing process. For less serious injuries, like bruises or cuts, it might be worth taking follow-up photos showing how long they take to heal – perhaps a photo once a fortnight.

Hypnotic Health Insurance

Spiralling costs of living and changes within the NHS mean that health insurance is now more important than ever. Private medical Insurance (PMI) can offer a full alternative to the NHS in case of serious illness. A cashplan on the other hand covers day to day costs of regular care such as dental and optical. They can be purchased separately according to your budget and needs or in conjunction with each other to provide comprehensive cover. People are more aware than ever of the impact of lifestyle, diet and exercise on their health and are increasingly looking for alternatives to drug-based treatment. This is leading to a growing understanding of the benefits of complimentary therapies, such as Hypnotherapy. But, are insurers keeping up with these changes by including cover for such treatments and therapies in their policies?

If you’ve been looking for health insurance that covers hypnotherapy you’ll know that a lot of insurers do not cover it as standard. Most major health insurance plans don’t cover any treatments that could be classified as unproven or experimental but hypnotherapy isn’t an alternative therapy. It is an approved complimentary therapy that is becoming increasingly popular and well recognised by the medical profession. Some top health insurance providers that cover hypnotherapy, in their PMI and/or in their cashplans, are:

• PruHealth
• Westfield Health (as part of its corporate package)
• BUPA
• AXA PPP Healthcare

Under their policies hypnotherapy is covered for the treatment of certain conditions including:

• Depression (combined with Cognitive and Behavioural Therapies)
• Smoking Cessation (for more info please see http://www.thetherapylounge.com/hypnotherapy/stop-smoking)
• Stress related illnesses
• Palliative care

As with all insurance there will be clauses. Most insurance providers limit cover to a list of approved practitioners, or stipulate which professional bodies the hypnotherapy provider needs to be registered with if they are to recognise them for reimbursement. The Therapy Lounge, for example, is a member of The General Hypnotherapy Register (GHR). The GHR is a professional body recognised by health insurance that covers hypnotherapy. Membership of these recognised professional bodies also means that GPs, hospitals and other NHS services can refer patients for hypnotherapy treatment.

Before purchasing a policy, or paying for any form of treatment, you should always check the terms and conditions of the policy. It is recommended you check the following:

• Does it require a GP or clinical psychologist referral
• What is the timescale of your cover
• Does hypnotherapy cover your given diagnosis
• How many visits are allowed in a year as some treatments consist of several sessions
• Is there a cap on cash back claims

Whatever type and level of health insurance cover you opt for, if you are interested in having the benefits of complimentary therapy alongside your dental and optical, and if you are in any doubt as to whether or not your health insurance provider covers hypnotherapy, always contact the insurer directly for details.

Spiralling costs of living and changes within the NHS mean that health insurance is now more important than ever. Private medical Insurance (PMI) can offer a full alternative to the NHS in case of serious illness. A cashplan on the other hand covers day to day costs of regular care such as dental and optical. They can be purchased separately according to your budget and needs or in conjunction with each other to provide comprehensive cover. People are more aware than ever of the impact of lifestyle, diet and exercise on their health and are increasingly looking for alternatives to drug-based treatment. This is leading to a growing understanding of the benefits of complimentary therapies, such as Hypnotherapy. But, are insurers keeping up with these changes by including cover for such treatments and therapies in their policies?

If you’ve been looking for health insurance that covers hypnotherapy you’ll know that a lot of insurers do not cover it as standard. Most major health insurance plans don’t cover any treatments that could be classified as unproven or experimental but hypnotherapy isn’t an alternative therapy. It is an approved complimentary therapy that is becoming increasingly popular and well recognised by the medical profession. Some top health insurance providers that cover hypnotherapy, in their PMI and/or in their cashplans, are:

  • PruHealth
  • Westfield Health (as part of its corporate package)
  • BUPA
  • AXA PPP Healthcare

 Under their policies hypnotherapy is covered for the treatment of certain conditions including:

 As with all insurance there will be clauses. Most insurance providers limit cover to a list of approved practitioners, or stipulate which professional bodies the hypnotherapy provider needs to be registered with if they are to recognise them for reimbursement. The Therapy Lounge, for example, is a member of The General Hypnotherapy Register (GHR). The GHR is a professional body recognised by health insurance that covers hypnotherapy. Membership of these recognised professional bodies also means that GPs, hospitals and other NHS services can refer patients for hypnotherapy treatment.

Before purchasing a policy, or paying for any form of treatment, you should always check the terms and conditions of the policy. It is recommended you check the following:

  • Does it require a GP or clinical psychologist referral
  • What is the timescale of your cover
  • Does hypnotherapy cover your given diagnosis
  • How many visits are allowed in a year as some treatments consist of several sessions
  • Is there a cap on cash back claims

 Whatever type and level of health insurance cover you opt for, if you are interested in having the benefits of complimentary therapy alongside your dental and optical, and if you are in any doubt as to whether or not your health insurance provider covers hypnotherapy, always contact the insurer directly for details.

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.