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UK Insurance Directory
Insurance is essential to give you protection from the loss of any money you have invested ins assets such as property and personal protection. Property covers such things as houses, business premises, cars, belongings, electronic items, mobile phones and warranties. Personal protection covers against harm to yourself and other people. The premium to be paid to the insurance company is based upon the insurer’s risk calculations based upon the number claims received in a year to cover the insurance companies losses. The premium may depend on your age, gender, location and health conditions. In short: Insurance is cover for things which may get damaged or are lost and the insurer will compensate your loss for a premium for exactly the event that is covered by the policy. The extent of cover is agreed at the start by both parties. The premium may be lower if the excess limit can be raised. Excess is the sum you have to pay for any given claim. The premium may be also lower if you increase the time you are willing to money from the insurance company. Exclusions in a policy means that you are not insured for that event and will not be paid if those events arise. A claim will be only paid for those items or risk covered by your policy. You will have to complete a claims form and sometimes obtain a crime number from the police within 24 hours. Understanding the claims procedure is essential and vital, do a dry run to understand the claims procedure with the insurance company. The payment amount of your claim will depend on whether it is a fixed lump sum or its market value at today’s prices and not when it was new or replacement cost of a new item (new for old policy). Insurance can help by: • Replacing a large item such as a cargo ship which you could not self insure The level of protection entirely depends on the terms and conditions of the insurance policy. The limit of cover and the excess you are willing to bear. The insurance company will take your premium and provide cover in strict compliance with their conditions. If an insured event does arise, such as flooding and this is covered under your insurance policy the insurance company will pay to you the amount insured after carrying out a full investigation. The sum payable will be subject to deductions called the excess. The insurance company is buying the risk from you in exchange for the premium. Insurance is essential for items where the amounts involved are excessive and where it is not worth self insuring. For example, insurance for a property is important as the amount of money involved is quite high compared to the premium to be paid monthly. Not all insurance policies are the same. They offer different benefits and you need to be satisfied that they cover your needs and wants. There are also a variety of policies to choose from that cover such things as: • Health, life, accidents and sickness Both parties agree to the terms and conditions of the insurance policy in writing with signatures. The insurance policy will state: • The premium to be paid by you There are a few places where you can buy insurance from: • The internet comparison sites Further information can be found on the following websites: Association of British Insurers: http://www.abi.org.uk/ Association of Insurance and Risk Managers (Airmic): http://www.airmic.com/ Association of Consulting Actuaries: http://www.aca.org.uk/ British Insurance Brokers' Association (BIBA): http://www.biba.org.uk/ Chartered Insurance Institute: http://www.cii.co.uk/ Chartered Institute of Loss Adjusters (CILA): http://www.cila.co.uk/ Financial Ombudsman Service: http://www.financial‐ombudsman.org.uk/ Financial Services Authority (FSA): http://www.fsa.gov.uk/ Institute of Actuaries: http://www.actuaries.org.uk Insurance Institute of London: http://www.iilondon.co.uk/ International Underwriting Association of London: http://www.iua.co.uk/ Insurance Industry Internet Network: http://www.iiin.com/ Insurance Links: http://www.insurance‐links.com/ Insurance Times: http://www.insurancetimes.co.uk/ International Insurance: http://www.internationalinsurance.org/international/toc/ Life Assurance Bureau: http://www.life‐assurance‐bureau.co.uk/ LifePro: http://www.lifepro.co.uk/ Where can I buy insurance? |
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| Insurance - Wikipedia, the free encyclopedia - http://en.wikipedia.org Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the ... - Read more |
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| Car insurance quotes, compare car insurance | Insurance.co.uk - http://www.insurance.co.uk Get the best car, motorbike, travel or van insurance quotes from insurance.co.uk. - Read more |
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| AOL Money & Finance - Insurance - http://money.aol.com |
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| bls.gov: Claims Adjusters, Appraisers, Examiners, and Investigators - http://www.bls.gov |
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| A.M. Best - http://www.ambest.com |
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| ArtSure.com - http://www.artsure.com |
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| BlueCollarDollar: Insurance - http://bluecollardollar.com |
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| Business Insurance Oracle - http://www.insuranceoracle.com |
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| Epinions.com: Insurance - http://www.epinions.com |
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| FastQuotes - http://www.fastquotes.co.uk |
How does truck insurance work and protect me?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. |
How does trailer tent insurance work and protect me?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. |
How does tradesman’s insurance work and protect me?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. |
How does taxi insurance work and protect me?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. |
How does surgery insurance work and protect me?Operating a surgery business involves many types of insurance to consider. |
How does student insurance work and protect me?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. |
How does shop insurance work and protect me?Business insurance is important when you have products to sell and customers can choose which product to buy or collect. |
How does structural warranty insurance work and protect me?Structural warranty insurance is normally for a new building project, such as a self build house project. |
How does self build insurance work and protect me?A building protect involves a lot of money and the financial risks are higher. |
How does rigid inflatable boats insurance work and protect me?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. |
How does public liability insurance work and protect me?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. |
How does public house insurance work and protect me?Business owners who have a public house or restaurant will require insurance in place as a legal requirement. |
How does prestige car insurance work and protect me?Prestige cars are luxury cars owned by individuals, business owners and car hire companies. |
How does pet insurance work and protect me?Dogs, cats, horses, mice, birds and hamsters can be very enjoyable pets. Some people have exotic pets such as parrots. |
How does office insurance work and protect me?If you have a business, especially with an office, you will certainly have fitted expensive office equipment and furniture. |
How does motor home insurance work and protect me?A motor home is a single vehicle which will be driven by the owner and the vehicle has typically a single unit. |
How does motor home insurance work and protect me?A motor home is a single vehicle which will be driven by the owner and the vehicle has typically a single unit. |
How does motor bike insurance work and protect me?Motor bikes are important for their users and some motor bikes are rare or expensive which requires insurance to protect your investment. |
How does motor trade insurance work and protect me?A business needs insurance to survive and without insurance the chances of having a successful business will be limited. |
How does minibus insurance work and protect me?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. |
How does lorry insurance work and protect me?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. |
How does landlord insurance work and protect me?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. |
How does Jet Ski insurance work and protect me?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. |
How does imported car insurance work and protect me?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. |
How does home insurance work and protect me?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. |
How does hobby caravan insurance work and protect me?The internet is a great place to find insurance brokers who specialise in insuring hobby caravans. |
How does HGV insurance work and protect me?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. |
How does health insurance work and protect me?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. |
How does business goods transit insurance work and protect me?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. |
How does spectacle or eye glasses insurance work and protect me?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. |
How does fleet vehicle insurance work and protect me?Whether you are an individual or a business having many vehicles, protecting your investment is important together with obeying the law. |
How does exotic bird insurance work and protect me?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. |
How does driver instruction business insurance work and protect me?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 |
How does pet liability insurance work and protect me?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. |
How does dog grooming business insurance work and protect me?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. |
How does dental insurance work and protect me?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. |
How does courier insurance work and protect me?Get the ultimate guide to cheaper courier insurance. Learn about cheaper courier insurance in 3 minutes flat. Cheaper courier insurance tips to save money. How can I get cheaper courier insurance? |
How does commercial vehicle insurance work and protect me?Get the ultimate guide to cheaper commercial vehicle insurance. Learn about cheaper commercial vehicle insurance in 3 minutes flat. Cheaper commercial vehicle insurance tips to save money. How do I get cheaper commercial vehicle insurance? |
How does classic car insurance work and protect me?Get the ultimate guide to cheaper classic car insurance. Learn about cheaper classic car insurance in 3 minutes flat. Ultimate cheaper classic car insurance tips to save money online. |
How does landlords insurance work and protect me?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. |
How does caravan insurance work and protect me?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 |
How does chauffer insurance work and protect me?Chauffer insurance should be obtained from specialist insurance broker who understands the business and its legal insurance implications |
How does cattery insurance work and protect my pet?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. |
How does camper van insurance work and protect me?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 ... |
How does business insurance work and protect me?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: |
How does construction and building insurance work including protecting me?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. |
How does boat insurance work and protect me?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. |
How does 4 x 4 car insurance work and protect me?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. |
How does american car insurance work and protect me?American car insurance - Article on American car insurance - Insurance for your American car |
How does trade insurance alarm installations work amd protect me?Trade insurance alarm installations - Specialist trades and companies will require normally a few types of insurance |
Van and car insurance with convictions or accident recordsMany 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. |
Motorbike insurance with convictions or accident recordsThose 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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