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This UK Insurance Directory and money saving magazine provides an excellent series of guides, articles and links to the field of money, news, loans, risk, value and savings as research journalists. Note: Original directory articles relating to money or insurance will only be accepted.
There is much uncertainty in our daily lives. We should endeavour to mitigate our losses and expand our opportunities.
This money saving magazine directory website does not give financial advice. However, we only provide journalistic views and reviews to help our website visitors.
Always ensure that you consult an Independent Financial Advisor (IFA)/Insurance Broker before taking up and signing any contracts.
Mobile Phone Insurance - Special Directory Article
Mobile phones are a must have item for most people whether for business or the home. Since there are so many new luxury mobile phones bought every year, it is important we do not loose them. Mobile phones can get damaged, lost, dropped in water or stolen.
Importantly, those who have contract phones who loose their phones will have to replace the phone from their own funds if it is not insured. The phone provider will take out a monthly contract amount from your bank account. Network providers give a free handset if you take-up a contract with them. However, since these handsets are expensive, if you loose the handset you will be personally liable and will have to pay for a replacement handset. So the handsets are not really free. You will need to take up insurance. Check the insurance policy terms particularly the exclusions and see whether it meets your personal circumstances.
Most handsets are:
-Dropped in water.
-Go around in the washing machine.
-Take a tumble on to concrete or hard surfaces.
The simplest form of cover for your phone is to add it to home contents cover policy but you need to check:
-That it includes cover away from your home.
-It covers for such events as accidental damage, theft and loss.
-What the excess is?
-When the phone will be replaced after filing a successful claim.
-Whether it will the same model and specification.
-Whether you will receive a cheque or a replacement phone.
-The replacement of the SIM card.
-Charges because of fraudulent calls.
-Whether the cover included extended warranties.
Fraudulent claims are increasing all the time and the police are aware of this. Just losing your phone and not remembering where you left it may not be a good reason for a loss and may annul your claim. Real forceable theft has to occur before the insurance company may pay out. Make sure that your insurance policy covers for loss.
RISK: If you loose you mobile and if you are on a contract you will still have to pay for the monthly contract and replace the handset at your own cost. If you have a short time left before the expiry of your contract it may not be worth claiming.
Lastly, Report your phone stolen using which applies to all
Trucks are expensive and need protection from theft, fire and general road side accidents. Most trucks owned by businesses of various sizes and business insurance.
We all like our vacations or short holidays in the country side, where the children are free to play and the outdoors can be enjoyed by all.
All businesses need to have one or many types of insurance and it does not matter whether you a single man enterprise or a large group company.
Having a taxi business is a worthwhile endevour but as most businesses have risks which must be protected. Insurance is therefore required to protect the taxi business.
Operating a surgery business involves many types of insurance to consider.
Students normally don’t have lots of money to spend on insurance and special incentives are required to make their financial circumstances a little easier.
Business insurance is important when you have products to sell and customers can choose which product to buy or collect.
Structural warranty insurance is normally for a new building project, such as a self build house project.
A building protect involves a lot of money and the financial risks are higher.
Boats can inherently be lost at sea and therefore are risky objects to possess. There are many types of small boats such as rigid inflatable boats that can be used on the water whether for recreation or business.
It is a risk mitigation policy that where the public visits a business whether at home, shop, store, factory or warehouse, that the owner protect any harm coming to the visitors or damage to other property which they do not own.
Business owners who have a public house or restaurant will require insurance in place as a legal requirement.
Prestige cars are luxury cars owned by individuals, business owners and car hire companies.
Dogs, cats, horses, mice, birds and hamsters can be very enjoyable pets. Some people have exotic pets such as parrots.
If you have a business, especially with an office, you will certainly have fitted expensive office equipment and furniture.
A motor home is a single vehicle which will be driven by the owner and the vehicle has typically a single unit.
A motor home is a single vehicle which will be driven by the owner and the vehicle has typically a single unit.
Motor bikes are important for their users and some motor bikes are rare or expensive which requires insurance to protect your investment.
A business needs insurance to survive and without insurance the chances of having a successful business will be limited.
Minibus can be owned privately or many can be owned by businesses. Whichever is the case, the vehicle owner must have insurance to protect his vehicles.
Large vehicles such as lorries are very expensive to purchase and the risks imposed from loss is very high to the lorry owners and the owning companies.
If you are a property business owner and are letting properties for rent, you will definitely need to consider landlord insurance, which will cover the owner for fire, theft and other hazards which may happen to the property.
Sports equipment cannot be readily available from online comparison websites. You will need to investigate the internet for a specialist insurance broker for this type of insurance.
There are many cars which have to be imported every year, due to personal reasons of for collection. These imported cars are expensive and their parts are rare to obtain.
If you are a home owner, home insurance is a must and will stay with you as an expense until you no longer need a home.
The internet is a great place to find insurance brokers who specialise in insuring hobby caravans.
Most businesses which rely on heavy goods vehicles (HGV) to transport their own products or customers products will need to take precautions which will minimise losses to the business and their profits.
If we don’t have our health, we cannot function well and our potential to lead a good long life will be diminished. Private health insurance is an option available to those who can afford it.
Businesses are of many types but without goods they don’t have a way to make money by selling to customers. Goods have to be carried from one place to another, from the factory to the warehouse or the shop.
If you didn’t know, there is insurance available for those occasions when your expensive prescription sunglasses or ordinary eye spectacles go a miss or are damaged by some unfortunate accident beyond your normal control.
Whether you are an individual or a business having many vehicles, protecting your investment is important together with obeying the law.
Having pets at home is quite common and in some homes when the owner can afford it, they may buy exotic animals and birds. These owners may keep exotic animals as pets, such as birds, for the sake of their enjoyment or for their children.
Business insurance for driving instructors is important to ensure that the lesson or instruction is covered against things happening which is not his fault at all
Some pets especially dogs can cause harm to people and property. The owner of these types of large pets will need to insure that any claims by third parties for damage, bites and personal injuries can be defended by insurance.
Running a pet care business such as dog grooming requires certain types of insurance to be taken as part of your business expenses. Insurance is essentially a risk minimization exercise in order to reduce your losses.
Dental insurance is important for all of us and we must consider the best dental plans on the market. The various dental plans are not all the same and a comparison should be made.
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If you own a property to let or rent whether it’s a home or office or some kind of industrial premises insurance should be the second expenditure after paying the loan on the property.
There are normally two types of caravans: Static, which you don’t take on the road; Touring, which you tow with a car or a van
Chauffer insurance should be obtained from specialist insurance broker who understands the business and its legal insurance implications
Having a business will require legal and essential insurances in order to look after other peoples’ animals. Caring after many cats and having to manage a business is not easy.
Most camper vans have to be insured independently similar to the car counter part. As a car insurance policy, camper van insurance covers the owner or business for eventualities ...
When setting up a business. Advice from your local insurance broker should be sought as to whether which combinations of insurance policies are mandatory and which are optional. Legal responsibility makes the following types of insurance compulsory:
When planning on having any major construction or building work being carried out, insurance is essential due to the amount of money involved in having the construction works carried and paying professional fees. If anything goes, it could be very expensive to resolve.
Insurance of boats is important to protect our investment. Boats should be insured as soon as possible when you have purchased it, whether the boat is new or a second user version.
Many people prefer to have a larger car for those times when your family or business needs to have more room for luggage or storage needs. These heavy duty 4 x 4 cars can be fun to use and you can be prepared for that adventure you always promised yourself. The prices of second user 4 x 4 vehicles are now quite reasonable.
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Many people have some sort of motoring (car or van) convictions. These car and van accidents normally result ins an insurance claim by onside or the other side, with some witnesses involved. Whether the claim may be minor or major right-off, your future insurance premiums will be affected. Your no claims bonus may also be affected, unless you have a no claims protection option.
Those who have existing convictions or accident records can apply for motorbike insurance. It is best to search the internet using the keyword “motorbike insurance conviction accidents”. This will list a number of insurance brokers who can provide you with a quotation. The insurance company or brokers have standard set of questions for different types of insurance policies and this insurance risk management will allow them to provide the right amount of premiums taking into account your personal
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