Short Term Car Insurance

Short Term Car Insurance

blogart   17:05

If you're on the hunt for Short term car insurance, the great thing is that some companies offer immediate cover for 1-28 days. With Temporary Cover Ltd you can even apply and pay online for a policy that is tailored to your needs and valid immediately.

For many people it would be much more beneficial to get short term car insurance rather than car insurance for the whole year. Perhaps you just need it to share the driving for a long journey, or there is no one else who can take you. Or maybe an additional driver needs to use your vehicle temporarily.

Short term car insurance companies also offer similar products for van drivers so you can help out a friend during a move, or take a bunch of people on an overland trip if minibuses are also covered. Just make sure that if you might need short term car insurance for over a month, you take a good look at the prices, because it's only cost effective in small doses.

Luckily though, there are a couple of companies springing up that speciailse in offering car insurance to UK drivers who only need it on a short term basis.

Whatever the occasion, make sure you go to a company that regularly provides short term car insurance as they will be much better equipped to offer a competitive car insurance (or van insurance) deal to suits your needs.

Temporary Cover Ltd
Temporary Cover Ltd

Great value short term car insurance from Tempcover Ltd

* Short term car insurance for 1-28 days
* Immediate Cover
* Apply and pay online
* Cover for cars and vans
* For ages 21 - 69 (or 21 - 75 as an additional driver)
* Comprehensive or third party cover

Home-Based Business Owners, You Need Insurance Coverage

Home-Based Business Owners, You Need Insurance Coverage

blogart   16:44

When you start a home-based business, buying insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens -- and it will -- having insurance coverage may mean the difference between the success and failure of your home-based business.

You may not require all types of insurance listed here, but taking some time now to consider your insurance needs can save you money and headaches in the future. Ultimately, after reading this article, the best way to determine your complete needs is to consult with your insurance agent. Explain to them the details of your home-based business and he or she should be able to determine the best insurance coverage for you (and any employees).
Health Insurance

Health insurance should be the first consideration for yourself and any employees you may have. If you have just left your current job to start your own business, you may be eligible for COBRA, which will provide temporary interim coverage. This will keep you covered while you search for the best health insurance policy.

Disability Insurance

Disability insurance will guarantee that you have some income should you suddenly become unable to work because of injury or illness. Having this extra peace of mind is almost always well worth the extra money you pay.
Life Insurance

Life insurance will help ensure that your family has the money it needs should you meet with an untimely death. Some lenders require that you have life insurance before they'll issue a loan; this guarantees that the loan will be repaid if you meet with an untimely end.
Business Property Insurance

Business property insurance helps protect you against loss of inventory or equipment. If your business equipment or inventory is damaged in a flood, fire, or other disaster, this type of insurance will allow you to recoup your losses.
General Liability Insurance

Comprehensive general liability insurance is necessary for your home-based business if you plan on having clients or customers visit your home. Whether you plan to hold meetings, allow customers to pick up merchandise, or have members of the public enter your home for any other reason, this insurance will protect you if someone is injured while on your property. This insurance will typically pay for your legal defense should you face a lawsuit as the result of a fall or other damage that occurs on your property.
Business Interruption Insurance

Business interruption insurance will help your business recover from natural disasters. It will cover you for income lost during the disaster, and will pay for operating expenses that continue to accrue, even though your business isn't up and running.
Workers’ Compensation Insurance

Workers' compensation insurance is an absolute necessity if you plan on having employees working out of your home. Without workers' comp, you'll be responsible for any medical expenses arising from injuries employees sustain while working for you. Many home-based business owners mistakenly believe that this type of insurance is only required by businesses that have a retail or separate location, but that's not the case. Another mistake is assuming that only ‘dangerous’ employers (such as construction or movers) need this type of insurance. But what if your employee slips on the stairs or their chair breaks? While those are both unlikely, they are possible and the less risky your business, the cheaper the insurance will be.

These insurance plans can help ensure that you are prepared to face any eventuality that might occur while you are running your own business. Disasters, accidents, and crises can strike at any time. By preparing now, you may be saving you and your company significant financial loss, wasted time, and difficulty.

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Shop Around and Save on Home Insurance
Source:http://www.hometownquotes.com/insurance-home-based-business.html

Tips for getting the best insurance quotes.

Tips for getting the best insurance quotes.

blogart   16:41

General insurance tips:

1. Have your current insurance policy with you when requesting your insurance quotes.
2. Consider a higher insurance deductible.
3. Place all of your insurance policies with the same company to qualify for a multiple policy discount.

For car insurance quotes

1. Be sure all vehicle discounts are applied (Anti-lock brakes, Alarm system, daytime running lights, vin-etching, etc.).
2. Take a defensive driving course.
3. Be very accurate about your mileage to and from work.
4. Ask about affinity discounts.

For a homeowners insurance quotes

1. Be sure that your home is insured to its value
2. Be sure all home discounts are applied (Alarm, smoke alarms, fire extinguishers, dead bolt locks, etc.).
3. If your older home has been renovated, tell your agent.

For a life insurance quotes

1. Consider level premium term insurance.
2. If you are a smoker, quit for at least 13 months and request that your insurance company consider you for a nonsmoker insurance rate.

For a health insurance quotes

1. Consider a higher co-payment or deductible.
2. Join a group health insurance plan.

For a long-term insurance quotes

1. Consider a longer elimination (waiting) period.
2. Purchase coverage when you are young (premiums are lower).
3. Pick a daily benefit based on where you live.

Flood Insurance Claims

Flood Insurance Claims

blogart   16:28

If your home has just suffered through a flood, not only will you need to mop up the mess, dry out the home, and repair the water damage, you’ll have to figure out whether or not your insurance company will pay the bill. Insurance companies do cover some types of water damage while excluding other types making it hard for the average homeowner to figure out who should pay.

The first step is to determine if you have insurance for the water damage in the first place. When it comes to water damage claims, two types of insurance are usually involved: standard homeowners insurance policies and National Flood Insurance Program flood insurance policies.

Your standard homeowners insurance policy typically covers water damage claims such as:

· Burst pipes

· Overflowing sinks

· Overflowing bathtubs

· Appliance mishaps such as broken washing machine hoses

· Leaking roofs

However, this same insurance policy won’t cover specific types of water damage such as from sewer backups or overflowing rivers. In the case of sewer backups, you may be able to purchase an endorsement or rider that adds some coverage. In the case of natural floods, you will need flood insurance.

Once you have determined the cause of the flood, you will know who to call, your homeowners insurance company or the National Flood Insurance Program (assuming you have flood insurance).

Filing a water damage claim starts out easily enough. You should have an 800 number on your policy specifically for claims. You may have a separate number for filing flood insurance claims. In addition, you may be able to file a claim on your insurance company’s Web site if available. Simply provide the insurance carrier with the necessary information surrounding your water damage claim and the process begins.

Now, it gets tricky. You are responsible for the “burden of proof” – that is you must prove your loss. This involves taking pictures, separating damaged items from non-damaged items, and documenting everything. Your insurance adjuster may not arrive in time to see standing floodwaters so take lots of pictures and video (inside and out) to back up your claim. Take photos of water levels, structural damage, damaged contents, and so on.

Do not throw away damaged items unless they pose a health hazard. Even then, take photos before discarding and take samples such as fabric swatches as further proof. In addition to photos and other documentation, you must provide an itemized list of all damaged or lost items including the value of these items.

Finally, a “proof of loss” form is usually required. In the case of filing National Flood Insurance Program claims, this proof of loss form must be submitted to the National Flood Insurance Program within 60 days. For standard homeowners insurance water damage claims, you may need to fill out a similar form depending on the procedures of your insurance carrier.

When filing water damage claims, don’t forget to include receipts and seek reimbursement for emergency water damage repairs, temporary lodging, and other related expenses.
source :http://www.articlesbase.com/insurance-articles/how-to-file-flood-insurance-claims-512823.html

Cara internet bisnis untuk pemula

Cara internet bisnis untuk pemula

blogart   17:09

Pertama bisnis internet gak sulit, tapi tetep butuh modal, kalo gak kamu harus menjadi jenius bermulut manis dan jadi makelar, jadi gak butuh modal. Tapi bagaimanapun bisnis selalu butuh modal,, dan bisnis internet adalah bisnis dengan modal kecil cuma 200 ribu saja, masih terlalu mahal.? ya udah gak usah bisnis, mimpi aja dan berharap keajaiban dapat jin yang bikin kaya....oke lupakan soal sarkasme tapi bisnis memang butuh pengorbanan dan JANGAN PERNAH BERPIKIR NEGATIF DULUAN...karena kalo udah berpikir negatif berarti INDONESIA BANGET..aku banyak kenalan bule dan mereka punya rasa ingin tahu yang tinggi dang gak pernah berpikir negatif, berani mencoba walau kadang berhasil kadang gagal..tapi yang penting coba dulu..gitu kata mereka. JADI apakah kamu termasuk PMA (positive mental attitude) atau NMA (Negatif Mental attitude)...? kita lihat aja Baca penawaran INI dan sejauh mana kamu ketakutan hehehee... WISH U THE BEST PAL...

Mengapa bisnis internet menguntungkan daripada bisnis konvensional

Mengapa bisnis internet menguntungkan daripada bisnis konvensional

blogart   16:36

Bisnis internet menguntungkan karena pergerakan uang di sektor non riil lebih banyak daripada di sektor riil. Di dunia saat ini uang bergerak hampir 80 % di sektor non riil dan hanya 20% saja di sektor riil. Pokoke cara bodone Sektor riil meliputi bisnis konvensional, jual beli barang jasa secara langsung baik sekala kecil hingga segedhe pabrik astra. Bayangin aja berapa trilyun uang yang beredar, nah itu cuma 20 %. Sedangkan sektor non riil seperti pergerakan saham dan perputaran uang dalam dunia branch dll jauh lebih buanyaaak uang yang bergerak... so bisnis internet ada dalam sektor itu. Jadi kalo mau menggali dan belajar sektor non riil lebih mendalam maka bisnis internet is good start point. Lha wong 5 orang terkaya di dunia bergerak di sektor non riil kok...