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Motorhome Insurance

April 17, 2010 by Leave a Comment

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.

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Car Insurance | Compare Cheap Car Insurance Quotes

April 4, 2010 by Leave a Comment

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.

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HGV Insurance

March 22, 2010 by Leave a Comment

Compare HGV Insurance Quotes Online

Insurance is always necessary for anyone driving on public roads, and HGV insurance is no exception. Anyone driving these types of vehicles need to ensure that they’re adequately covered for all eventualities, and failing to have any in place not only means that they’re breaking the law but also puts themselves, and other people, at risk.

Truck insurance is much like insurance for any other vehicles, in that it essentially means that the vehicle and any costs will be covered in the event of an accident. Should an accident happen where damages need to be paid the insurance will be able to cover it, meaning that the driver doesn’t have to pay out of their own pocket.

The benefits don’t just stop there either. Most insurance policies will be able to offer added extras such as breakdown assistance and replacement vehicle cover, which can be vital for those on an important job. Heading home simply isn’t an option, and having the backup of a new truck means that they can easily get on with their day.

It not only protects the driver financially, but having adequate insurance also means that they can operate the vehicle safely and legally. Many drivers won’t be able to find jobs without insurance in place, and being caught without it can lead to hefty fines, a criminal record and even the loss of the HGV licence.

The most important thing to remember is to get getting the most comprehensive cover possible, and the only way to ensure that is by comparing plenty of quotes. This can seem daunting to some people, as being such a specialised area it can sometimes be difficult to find a well-rounded selection. But, as long as adequate research is done, this shouldn’t pose too much of a problem.

It doesn’t have to be that expensive either, with a lot of insurers being able to offer generous discounts to both new and experienced HGV drivers. Bonuses, such as no claims discounts, should always be taken advantage of, and anything that can lower the price even more should never be overlooked.

So, HGV insurance is an essential consideration for all HGV drivers. It allows them to operate safely and within the law, and will mean that they don’t lose out financially in the event of a claim. Added extras can make it even more beneficial, so taking the time to choose the right insurance policy is essential for drivers who want to be completely prepared for anything the job could throw at them.

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Minibus Insurance

March 18, 2010 by Leave a Comment

Compare Minibus Insurance Quotes Online

Insurance is a legal requirement for all vehicles being driven on public roads in the UK. Minibus insurance UK is no exception, and getting the right level of cover is invaluable for all drivers of such vehicles.

The minimum requirement for minibus insurance is third-party cover. This provides cover and occasional legal costs in the event of damage to someone else’s property or even to themselves, and means that the driver doesn’t have to pay for any damages out of their own pocket. Next up if third-party, fire and theft, which offers the above as well as any cover against costs incurred for damage to, or theft of, the vehicle itself.

However, going for the most comprehensive cover possible is always advisable. A fully-comprehensive insurance policy will not only insure the vehicle and the driver against third-party damages, fire and theft, but will also cover accidental damage to the vehicle along with any costs incurred. This is always advisable as accidents can and do happen, so it’s wise to be prepared.

There are a number of additional benefits that can come from having adequate insurance as well. It not only means that drivers can operate their vehicle within the law, but can also provide added extras such as breakdown assistance, new for old replacement vehicle cover, medical expenses and replacement locks or windscreens, all of which can be invaluable.

People often think that this type of insurance will be incredibly hard to source because it’s so specialised, but in reality it doesn’t have to be that hard. Adequate research will of course have to be done, but this can usually be done by searching online or perhaps by utilising the services of an insurance broker to take the hassle out of searching for quotes.

Comparing several options is always going to be necessary to make sure the right level of cover is provided, but it’s important to always read the small print. The full terms and conditions should always be understood and the policy should always cover exactly what’s required, and if it can’t further research needs to be done to find a policy that can offer the right level of cover.

So, minibus insurance UK is an essential purchase for all minibus drivers. It not only means that they can operate the vehicle legally but also protects them from any financial loss in the event of an accident, so going for the most comprehensive cover possible is always advisable.

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Caravan Insurance Quotes

March 15, 2010 by Leave a Comment

Caravan holidays are growing in popularity, and as such owning a caravan is quickly becoming the dream of many. However, few people understand the insurance implications that surround it, so here’s a quick run-through of everything you need to know about finding caravan insurance quotes and what you should expect from your cover.

First up, you might be surprised to know that having caravan insurance is not always a legal requirement. The only exception to this is if you own a touring caravan and intend to tow it on public roads, and in this case having adequate insurance in place is vital. In a lot of cases this will be covered by your third party car insurance policy, but it always pays to check.

Although this is generally all you have to be insured for, it’s still wise to go for more comprehensive cover. The average caravan can cost up to £20,000, so protecting it against loss, theft or damage is an incredibly wise move. You caravan could easily suffer damage both on the road and on the campsite itself, so if you don’t want to lose out financially it’s always a good idea to be prepared.

Theft of the caravan itself is also an ever-increasing threat. Statistics show that 3,000 caravans were stolen last year, and if you don’t want to suffer the effects make sure to adequately protect yourself. Let’s not forget the potential theft of possessions within the caravan as well – a lot of people take very expensive items in the caravan with them, so it always pays to make sure these are covered too.

So, having caravan insurance is vital to protect you against any losses, but how do you go about finding caravan insurance quotes? Well, because it’s so specialised it could take a lot of research, but don’t let that put you off. It’s essential to compare several policies before you make your decision, so try to seek out price comparison sites to make the process as stress-free as possible.

As you can see, although caravan insurance isn’t always a legal requirement, it’s still a good idea to have adequate cover in place. This protects you against any financial loss, and as your caravan (and indeed your possessions within the caravan) could be incredibly expensive it’s a good idea to protect your investment. Always go for the most comprehensive cover possible, and make sure to compare plenty of caravan insurance quotes to find the right cover for you.

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Boat Insurance Quotes

March 14, 2010 by Leave a Comment

Insurance is a necessity for a lot of things in life, and insurance for boats are no exception. Although not necessarily a legal requirement, boat insurance is often required if you want an inland waterways licence and also if you want to be allowed into a lot of marinas and harbours across the UK. It also protects your boat from loss or damage, so seeking good-quality boat insurance quotes is always recommended.

Boat insurance quotes are intended to protect you from any financial losses if your vessel were to sustain any damage, both when on the water and when in the harbour. Heavy storms can cause an immense amount of damage and your boat will also suffer from the threat of theft, both of your possessions in the vessel and of the vessel itself. Boat insurance can protect you against all of these threats, and if you seek comprehensive boat insurance quotes you’ll be able to hit the waves with confidence.

Boat insurance also covers you against any third-party liability, so if your boat were to cause damage or injury to anyone or anything else you won’t be personally responsible. This can be invaluable as accidents can, and do, happen, so having adequate cover in place is vital. You’ll also find that you’ll often be able to get legal and medical expenses cover, and as these costs can quickly add up it’s always wise to consider these added extras.

However, when looking for boat insurance quotes, it’s important that you do your research. You need to be able to compare several quotes and should never go for the first one that you come across, as if you do you can never be sure that you’ve got the right cover at the right price. You need to consider the price of the policy, the amount that you’re covered for and any added extras that are included, and always make sure that you’re getting the absolute best for your money. It’s also essential that you value your boat and your possessions properly, as you don’t want to come unstuck in the event of a claim.

So, boat insurance is essential for any boat owner who wants to be completely covered for all eventualities. It protects against loss, damage or theft, and also makes sure that you’re not liable for any costs in the event of an accident or injury to someone else. Always make sure that you’re fully protected, and make sure to do your research to find the best quotes possible.

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Landlord Insurance

January 16, 2010 by Leave a Comment

Why Should I Get Landlord’s Insurance?

Landlords’ insurance covers you for any loss or damage to your property for a fixed monthly or annual premium, you can rest assured that you are protecting your investment and that you will be able to meet the costs for any work that needs to be done as a result of possible damage.

The prices of landlords insurance will vary between different insurers, but depending on what you want covered will be a substantial cost each month – the majority of which goes towards protecting the building itself, with possible contents cover as an option. It is understandable that you may question whether this is a worthwhile investment, which is why we have put together this guide to help you make your choice.

Landlord Buddy aims to provide up-to-date landlord insurance information, news and plans for you to compare and find great landlords insurance deals.

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Taxi Insurance Blog

January 16, 2010 by Leave a Comment

Public Hire Vehicle

Taxi-Insurance.biz is the taxi insurance blog where get useful hints and tips when it comes to policies for private hire and public hire taxis, minicabs and minbuses. Feel free to join the discusssion by adding some comments and observations of your own.

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Quotespot Northern Ireland Insurance

January 16, 2010 by Leave a Comment

Quotespot.co.uk is a unique insurance comparison website for Northern Ireland residents that lets you compare your renewal premium to competitive online quotes from our featured advertisers for a range of personal insurance products.

Are there any charges for using the QuoteSpot.co.uk service?

NO. This service is completely free to use for both private and business customers. You are not under obligation to take up insurance with any of the companies that quote for you.

We are here to help you get cheap car insurance in Northern Ireland.

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Boat Insurance Quote

January 5, 2010 by Leave a Comment
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Caravan Insurance Blog

January 5, 2010 by Leave a Comment

At first consideration most people regard the subject of insurance pretty boring, but to those of us in the caravan and motorhome community insurance for caravans and motrorcaravans is essential, to protect our valuable investments, give us peace of mind and maximise the pleasure derived from our recreational vehicles.

CaravanInsuranceBlog.co.uk is THE place to get useful hints and tips when it comes to policies for touring and static caravans, folding caravans, trailer tents and motorhomes. Hopefully you will join the discusssion by adding some comments of your own.

Happy Caravanning!

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Trailer Tent Insurance

January 5, 2010 by Leave a Comment

You’ve bought your first trailer tent, but is there anything you need to consider before heading off on your trip? Yes, trailer tent insurance. There are a number of things that you need to think about when looking for a suitable policy. First and foremost, it is always advised that you read the policy conditions of your car insurance very closely, as sometimes, not always, car insurance policies have a built-in protection for trailers.

If this is the case, it is still recommended that you seek a comprehensive trailer tent insurance policy as the cover provided by your vehicle insurance will only be third party. This means that any theft or damage to your trailer tent is not included, and the costs will have to come from your back pocket.

When searching for the perfect trailer tent insurance policy, you need to recognise the fact that it is far less secure than a traditional caravan. This is something that your policy should specify and relate to. If you are looking for ways to reduce the annual premium associated with obtaining trailer tent insurance, have you considered joining a caravanning club as members are often offered additional discounts. You can also ensure that you have a decent hitchlock connecting your trailer to your vehicle, and insure the contents of your trailer tent just as you would at home.

There usually some general exceptions to your trailer tent insurance, so it is important to be aware of these. Some policies will cover environmental damage from severe weather, but not all providers do, and mildew, rot or fungus is very unlikely to be covered as this is often construed as neglect.

If you are planning a trip, you need to consider how where you are going might have an impact on your trailer tent insurance. For example, if you are thinking about travelling outside of the UK, you will need to invest in European cover. This cover will be written into your policy, but there will probably be a cap on the number of days you are eligible to spend outside the UK per year.. European cover will benefit you whilst touring as it often included breakdown assistance and alternative accommodation should your trailer tent be damaged.

By searching for adequate trailer tent insurance, you can protect yourself from the financial consequences associated with being involved in an accident deemed to be your fault. If you run the risk of using third party cover, you will have to pay out for repairs to replacement to your trailer tent. Be sensible with your insurance cover and contact an experienced provider for protection against every eventuality.

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Dental Insurance

January 5, 2010 by Leave a Comment

My Dental Insurance provides online dental insurance and dental plan quotes for UK residents.

Increasing pressures on the NHS combined with ever more patients to treat means that UK residents are now expected to contribute financially towards the cost of dental insurance cover. As these costs can be significant, especially for families, there has been a big increase in the number of people taking out private dental insurance plans.

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Protection Insurance

January 5, 2010 by Leave a Comment

Accident, sickness and unemployment protection insurance (also known as ASU for short) is an innovative insurance that provides a tax free monthly sum in the event that you lose your income due to incapacity or involuntary redundancy and can be used to cover mortgage repayments, loan repayments or simply replace lost income.

To put it in to context, imagine what would happen if you suddenly were made redundant, without warning, or had an accident that prevented you from working. How would you continue meeting the cost of your outgoings, such as your rent or mortgage; loan repayments; grocery and utility bills etc? Relying on State benefits in circumstances such as this would not be a wise idea. Not only is there strict criteria that needs to be met before you can make a benefits claim, but the amount you would receive would, in most cases, not be enough to meet your monthly costs. This is why you may wish to consider a protection insurance policy.

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Insurance Blog UK

January 5, 2010 by Leave a Comment

InsuranceGiraffe is an insurance blog where you will find Specialist Insurance Articles and Specialist Insurance Brokers for all types of insurance in the UK.

If your insurance related article is “way above the rest” why not submit it for possible inclusion today.

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