Professional Indemnity Insurance for Architects, Architectual Technicians & Draftsman If they are a practising architect they must hold PII cover and indeed continue to hold this type of insurance for 6 years from the point of retirement or stopping to trade. Some may argue this is an unecessary cost, however, from our first hand experience, over 28 years as a specialist PII broker many, many claims have come from this sector and...more
The Pitch - A Tale of Insurance A Tale of Insurance"The Pitch" Sometime before the age of 25 you will probably find yourself sitting across from a friend or friend of a friend that is trying to sell you life insurance. The pitch will sound compelling and if you are married rest assured that there will be a love component to the sales presentation. You will hear the classic, "Carlos, if something were to happen to you wouldn't you want...more
All About Taking Out Payment Protection Insurance Some people who want to claim PPI compensation find they have paid too much for their protection. It is important to realize that when you get payment protection insurance you are not paying too much. When you purchase it from the company who gave you the credit card or mortgage, you are likely paying much more than you need to. There are PPI policies available from third parties that will not cost as much while still providing the payment protection you want. It is amazing the amount of money you can save by shopping around a bit before you purchase. In order to make sure you do not pay too much for PPI protection, you need to contact the government's independent website for financial advice. There you can compare PPI products and find the right provider and price for your situation. They will ask you for information such as age and employment status. Once you provide that information, they will give you a list of providers along with the estimated costs. You may be surprised at the differences between providers. One provider may give a quote for £15 a month while another gives a quote for £75 per month. The coverage is...more
Insurance quotes of modern days Getting a proper insurance needs a lot of market research. There are hundreds of insurance on companies available in the market and that is why the choice is tough. You just cannot opt for any of the insurance company. The insurance quotes from different companies need to be compared first. Once you check and...more
Having insurance for your business vehicle is very important especially today since there are many reckless people driving around. Anyone can get their license at any time and you have a lot of people on the roads that simply do not know how to drive.There are numerous types of liability insurance. Employer's insurance is compulsory if your...more
A Better Way to Deal with Insurance Claims Disputes The following scenario is all too common: a homeowner's home is damaged extensively, a contractor performs the repairs, and the insurance company decides to pay the contractor whatever it wants - shortchanging the contractor in the process, often by thousands of dollars. For example, it's not unusual for a water damage or sewage backup claim to cost $10,000. Nor is it unusual for the insurance company to pay half that amount to the contractor. "We've even seen cases where the insurance company sends a check to the homeowner and the homeowner keeps the money." Whether the homeowner's aware of the contractor's plight or not, the contractor has little recourse other than taking the insurance company to court. Unfortunately, legal fees quickly add up, potentially wiping out any recovery if the contractor prevails. If the insurance company prevails, the contractor is out even more money because, now, the attorney needs to be paid. Many contractors do not pursue legal action because it's simply not worth it. Others discuss their options with attorneys only to find out that legal fees would cost more than the case is...more
Tow truck insurance coverage comes in a wide array of shapes and sizes, with premiums that can range from very high amounts to more affordable ones, depending on a number of factors and amount of coverage applied for. Factors such as a car owners...more
The Newly Insured - 2nd Part In a few years form now, many slashes will be made to the health insurance system. It will not be implemented right away but they will certainly take place. What will we be left with in the end? This will lead to...more
Why an Individual Disability Insurance Policy Is Higher Than Cluster LTD However are you?Let's contrast some of the more necessary contract provisions in a very cluster LTD plan and a private policy. You can return to your own conclusion.Can...more
Understanding Social Security Disability Insurance Benefits The Distinction Between Social Security Disability (SSD) and Supplemental Security Income (SSI) Social Security Disability Insurance Edges (DIB) are on the market to disabled workers...more
Will You Justify How Incapacity Coverage and Incapacity Insurance Work? The Drawback - Not Understanding Your Disability Edges Three in 10 workers entering the workforce nowadays will become disabled before retiring. An illness or accident...more
Motor insurance, does it need to cost a fortune, what are my options? One of the major factors behind car accidents may be the increasing variety of cars in the world. Today, car travel would be the the majority preferred mode associated with...more