When it comes to car insurance or indeed any type of insurance, many people ask what the term 'excess' means on a policy as they find that they can save money if they have an excess applied, but do not quite understand whether it is safe to do so or not.

In short, if you have an excess clause on your policy, this means that if you have to claim on your insurance for any reason, then you will have to pay out a certain amount for the claim before the insurance kicks in, that is, they will not pay out against the whole of the value of the claim.

Put simply, imagine you have £100 excess on your car insurance and you have an accident. Let's say the damage comes to £500, then you will have to pay the first £100 against the damage and the insurance company will 'hopefully' pay the other £400. (more...)

There are just some people that are cut out to work in insurance and everything they do and everything they say screams out what sort of business they are in. I certainly do not mean this in any nasty way as I know many insurance men and I have a lot of respect for them, but it is the same in any profession, there are often certain characteristics that mark out their field of business.

Many insurance men eat, live and breathe their trade. They never take a rest from it. Beyond the standard short-sleeve wash-n-wear shirt and tie and insurance-speak language, the very best of them have custom leave-behinds. Sure, you'll find your standard business card, insurance rate sheet, and maybe some slick promo from the home office. But the best of them -- certainly a large percentage of the most successful -- have their own custom "bling". I got one myself the other day and could hardly believe it. Seriously, this guy gave me a small figurine, dressed like him. It was from an ornaments collection (see: Insurance for Christmas Ornaments ) that he said come in both female and male, brunette and blond varieties.

Maybe it is a touch of the envy speaking here, but I never had that kind of sales tool when I was coming up the ranks. I'm here thinking about my retirement and life insurance now in my "almost" golden years, things I might have taken more care of had I had the kind of office support and sales tools available to these guys today. (more...)

Whether you live in Dublin or one of the smaller towns, one of your priorities when it comes to everyday living should be good insurance, whichever part of your personal life you need it in.

Some people think that house insurance and clicking here are a waste of money – until they need to claim on it and realise that they would have been in dire trouble without it.

That is the point of insurance – you never know you need it until the worst happens and it is designed to take care of life's little accidents. Payments are annually or monthly, so you can budget up front and sit back without worrying. (more...)

If you own a business, any type of business, you need to make sure that the pest control is taken care of. This can be especially important in bed and breakfast locations and hotels, as well as places that are selling food.

It can become a huge liability for any business that does not maintain a clean and orderly appearance for the customers and patrons that go there. Not only that, but it can be a liability if anyone is bitten or becomes ill because of the pests on the property.

Making sure that bugs like a cockroach flies, spiders and other pests are maintained is so important. It can mean the difference between a successful business and one that fails. No one will want to go to a location where they see pests and bugs everywhere. (more...)

Question #1: Who is covered by my car insurance policy?

Answer #1: Anyone who has permission to use the vehicle is covered by your insurance. Even someone who can prove that they reasonably believe that you, as the policy holder, would allow them to use the vehicle, is covered. Be sure to check with your individual car insurance policy for exclusions. It is very important that everyone living in your household who could possibly drive your vehicle should be listed on the policy, or they might not be covered. This could include a girlfriend or wife, a boyfriend or husband, kids, aunts, uncles, nephews, grandparents, roommates, etc... whoever lives with you should be included on your car insurance policy. Strangely enough, if those people live seperately from you but drive your vehicle with you permission, even if they are not on the policy, they will be covered.

Question #2: What is the difference between collision coverage and comprehensive coverage? (more...)

Sometimes it is difficult to appreciate the importance of something until you lose it. In the case of home contents insurance, it is difficult to appreciate its importance until you wish that you had it!

Home contents insurance allows you to insure valuable property in your home. Policies protect against theft, burglary, loss or damage. There are a number of different home contents insurance policies provided by various insurance companies. Insurance comparison websites can help you compare different insurance policies and different providers to choose one that suits you best. The premium usually depends on several factors such as locality, value of the insured property, condition of the house etc.

Insurance, especially home contents insurance, can seem like an unnecessary outgoing cost. But it is only when there is an emergency that we realise the importance of taking steps to protect your belongings from theft, loss or damage. The cost of replacing property can be huge and sudden, and this is the time when insurance can come in useful. (more...)

The financial market is humongous both in terms of the variety of products available, as well as the value in terms of money. When it comes to personal financial management, there are a number of products available, from insurance to loans, mortgages, investment products, and others.

Looking for a financial product such as insurance can be a chore thanks to the large volume of providers and the variety of policies and products available. Someone once said, choice doesn't make the consumer happier, it makes them more miserable as no matter how much they shop around they will always feel like there was a better option out there!

But there are helpful tools out there that can make the process of finding the right insurance policy less taxing. Websites like go compare that allow you to compare different products, better known as comparison sites can be very helpful, provided they are unbiased and accurate. (more...)

In a world that has become much more digital than it is human, it is no surprise that the Internet is now available to the many ranges of the planet, no matter where you may reside. With Internet providers bringing the marvel of the World Wide Web to many people across the globe, if you have a computer then the chances are you can also have the internet and quite possibly at an affordable price as well.

The residents of Ireland are discovering this in full. There are many different Broadband Providers Ireland that residents can now choose from that offer you a reliable contract that will allow you to join millions online. As mentioned above there is a decent amount of providers one can choose from so that you can choose the one that will benefit you the most and that will fit perfectly in with your wants and needs. If you are interested in obtaining a phone plan as well then some companies can do a deluxe type package which can sometimes be more expensive alone then if you went ahead and bought the deluxe.

Many broadband providers offer an optional insurance scheme when you sign up for a broadband contract. This is especially the case for mobile broadband dongles. If it is stolen or lost during the broadband contract period, you will not need to personally pay for the replacement. It will be covered by the insurance scheme. (more...)

There is one thing in this world that can get you whatever you may require during your entire existence on this planet. No matter if it is something that you will have to have in order to continue living such as food and water or if it is an item that will only serve you with entertainment purposes.

From medicine to electricity everything in this world requires that you have the one thing that seems to powers this planet, money. If you are lucky enough to make it to sixty years on this beautiful planet then you will be given the opportunity to enjoy the permanent vacation known as retirement.

In order to get your long wanted reward for a lifetime of dedicated, mind -numbing hard work, you are going to have to play your card’s right. By investing in annuities you can guarantee that you have a proper income for whenever that excellent day of retirement finally arrives. But just like everything in this world it will take hard work, careful planning or budgeting, motivation, and self-discipline to actually save money. If you do your homework you can acquire the best annuity rates that you can. (more...)

Typical discount landlord insurance has three components which are buildings cover, contents cover and public liability insurance. Buildings cover provides financial protection against damage to a property resulting from a flood, earthquake, lighting, fire, smoke or other natural disasters. Based on the amount for which your property was insured, the discount landlord insurance will provide you with the funds needed to cover these damages.

It is common for loss of rental income to be a part of buildings cover when the damage to the property is so extensive that the property becomes uninhabitable resulting in the tenants having to move out. It is very important that you file a proper claim to make sure that you get as much funds as possible to fully rebuild your property. Sometimes the money received from discount landlord insurance are not enough the cover the rebuilding costs and all other related costs such are architect fee, site clearance and surveyors.

Contents cover provides financial protection for the loss or damage of possessions within a property. Possessions can become lost or damaged as a result of accidents in the property, theft, or leaking pipes. (more...)

After booking your flight and a hotel, the next most important thing on the travel preparation itinerary is CoverMore Travel Insurance, which will ensure that you have a trouble free trip. Travel insurance comes with many added benefits, and this should not be a bargain when you are traveling abroad.

People often buy insurance for their health life and property, and the same case applies to travel insurance. This cover reimburses you on costs incurred unexpectedly or when trouble arises and you have to spend out of the pocket. A typical cover will include cancellation fees, overseas medical treatment, accidental disability, and death, stolen cash and hijacking among others.

Often times you get the insurance as one package, however you have the option choose particular riders if they are not included in the main package. One of the most serious risks you face when travelling is trip cancellation, which can cost you a lot of money eventually. In case you have to cancel a trip, the cover will reimburse you on any deposits you had made as well as other non-refundable deposits like hotel room booking fees and air tickets. However, it is imperative that you read the policy carefully and ensure that the said cancellations are a part of the cover. You may find that risks like terrorism and unrest are exclusions from the policy, hence the need to confirm all the details early enough. (more...)