Understand the Umbrella Insurance Policy Umbrella Insurance is a liability insurance policy that goes above and beyond what typical insurance policies do. It actually protects the assets and potential future income of the policyholder more than a regular auto or health insurance policy would. While many companies offer a similar product in their excess insurance policies, an umbrella policy is actually different from the type of...more
Understand the Wedding Insurance Policy Preparing for the big day can be very stressful on a couple. Wedding insurance, however, can help ease the bride and groom's minds by protecting their financial well-being. Most policies can be purchases for under $500, which helps in the event of a tight wedding budget.Whether or not to buy wedding insurance is an important decision for every couple. Weddings are becoming increasingly more...more
Gender-less insurance: women will pay up to 25% more Motor insurance companies have long taken a driver's age, gender, location and driving habits into consideration when offering insurance. But with a ruling by the European Court of Justice declaring a ban on taking gender into consideration in insurance policies from December 2012, younger female drivers can expect a rise of up to 25%. Personal finance website, SimplyFinance.co.uk, has produced a guide to help people make the right decision when it comes to selecting motor insurance, with a list of things to take into consideration to make sure coverage is adequate.Maggie Craig, Association of British Insurers (ABI) Acting Director General, said: "This gender ban is disappointing news for UK consumers and something the UK insurance industry has fought against for the last decade. The judgment ignores the fact that taking a person's gender into account, where relevant to the risk, enables men and women alike to get a more accurate price for their insurance.ABI commissioned research by Oxera in late 2010, and found that the possible impact of removing gender from assessing risk included women under the age of 25...more
How Do I Become An Insurance Attorney? There are many different types of lawyers, or attorneys, in the law field. Some specialize in divorces and other civil actions. Others specialize in criminal, medical, or insurance law. There are many different steps a person must take in order to become an attorney. This is true regardless of...more
Dump Truck Insurance Tips - Sealing the Deal on Affordable Dump Truck Insurance Dump Truck Insurance policies can be purchased in varying prices. Well several factors account to this. One can be the state where you belong and intend to drive the car. One would be surprised knowing that the same amount of coverage from the same dump...more
Maternity Insurance - Words of advice from a Broker in HK After 20 years in Hong Kong as an insurance broker, I and my clients have learned the hard way the importance of the 'fine print' in insurance policies.The insurance policy contract wording is really important because, in the end, this is all we have to protect ourselves and/or your loved ones; in case the insurer wants to rely on the contract.Questions which we at Navigator Insurance Brokers think are really important that we ask include:What is the history of the company?How long has it been in business?Who owns the company?In the even of a dispute, where would a court hear our case?Are we dealing with the underwriter, the company that is ultimately responsible to pay claims, or are we dealing with a Managing Agent, that administers the business on behalf of the insurer?Is renewal guaranteed? Only the underwriter, the actual holder of the risk can make this guarantee. Always ask to see the guarantee in writing.How long is the waiting period before we can claim maternity costs? Is it say 12 months and a day, before we can begin to claim, or can we not fall pregnant until after 12 months?Most...more
Commercial Truck Insurance Varieties To Be Aware Of Commercial truck insurance can seem overly complicated at first glance, but it's only because the truck industry itself is so diverse. It's not so complicated; there are just many...more
Commercial Truck Insurance: Bobtail Coverage For Independents Different commercial truck drivers have different needs. Some driver work part-time; some work full-time. Some drivers own their trucks; some don't own. Some work for large...more
Are You Tired of Overpaying for Insurance? Are you tired of overpaying for insurance? Have you thought there's probably a better deal or alternative out there? If you've had any of these questions, visit ZipQuote® today and get...more
Where Did Insurance Come From? The concept behind life insurance is pretty simple, really. When the person who has a life insurance policy dies, the people that the deceased has designated as beneficiaries will receive money from the...more
Staying In Business With NJ Insurance There are many kinds of NJ business insurance to take care of commercial insurance needs. Policies will vary from any number of factors such as industry and the specific type of policy needed...more
Insurance In One Cost-Effective Plan When you are looking for insurance, it is a good idea to see if you can get the polices that you need lumped into one plan. It will be much more cost-effective this way because the company will be...more