Posts Tagged ‘insurance’
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Essential Preparations For A Flight
Author: stephenmorgan
Source: articledashboard.comAre you planning on taking a family holiday this year or even expanding the number of business you take? If the answer to any of these questions is yes then the chances are that somewhere along the way you’ll be flying.
This is not a problem; flying is one of my favourite methods of travelling and is by and large a relatively safe easy and convenient method of travelling
However, before you leave for the airport, you are advised to start preparing for your flight, well in advance. Unfortunately, many travellers do not realize that preparing for your flight does not just include packing your bags. Thanks to new air travel rules and the enforcement of them, preparation now includes more than you could ever imagine.
As previously mentioned, it best that you start preparing for your flight early. In fact, you should start preparing as soon as you buy your airline tickets, whether that be two weeks before you leave or two months. The first step that you will want take is to familiarize yourself with the airline that you are flying with and the airport which you will be flying out of. You can easily do this research online. You will want to determine how early you should leave for the airport and what items you will need to bring along with you, such as personal identification.
It is also a good idea to review the list of banned items. These are items that you are not allowed to have on the airplane or past certain points in most airports. The most commonly banned items include sharp objects and flammable items, but there other items included in these bans, items that you may have never even thought about before. That is why it is best that you learn what you can and cannot bring on your next family vacation or business trip. In the event that you try to bring along items that are prohibited, you may have them confiscated.
If you are planning on familiarizing yourself with banned items and other airline rules, it may be a good idea to print off a list of what you find. Printable lists of items that are banned in airports and on airplanes can be found online from a number of different websites. One of those websites includes the Transportation Security Administration (TSA). A printable list is ideal, especially if you do not need to start packing for your trip right away.
After you have familiarized yourself with the air travel rules, including the ones that were recently implemented, you will need to start packing, whether you do so right away or not. When packing, you will want to remember everything that you learned, although, if you printed off a list, your packing will be much easier. In the event that you are not sure whether or not an item can be brought on an airplane, you are advised to leave it at home. Banned items can not only be confiscated, but they could cause you to miss your flight. That is why you are advised against taking any unnecessary chances.
Once your bags have been packed and all your travel plans are in order, you will need to head to the airport. It is advised that you arrive at the airport, at least, two hours in advance. It is important that you check with your airport, because some airports have different restrictions. Depending on the size of your airport or the number of flights going in and out, you may find that you need to arrive three or even four hours in advance. It is also important to make sure that you not only have your plane tickets with you, but the proper forms of identification.
Once at the airport, it is important that you remain calm at all times, even if you are approached by airport security. In today’s world, it is not uncommon for you to be subject to a random bag check or search; therefore, you should not fret if you are asked. Instead, just remain calm and, in no time at all, you should be on your way to enjoying your vacation or your business trip.
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Insurance Matters To A Home Office
Author: Jim Christian
Source: isnare.comThe home office is fairly commonplace these days as more people choose to work from home, either telecommuting or starting their own businesses.
Several things need to be considered when setting up a home office, not the least being how to insure it. If you are working at home under a telecommuting arrangement with your employer, the risk will be borne either wholly or partially by them. You will need to clarify exactly who is responsible for what before entering into the arrangement.
If starting a business from home, you are responsible for ensuring that the insurance coverage is adequate. Some different types of insurance for the home-based business operator to consider are:
? Office equipment
? Inventory (if stock kept on the premises):
? Public Liability
? Professional Indemnity
? Workers’ Compensation
? Personal Accident/Income Protection
Many small or “micro” business operators may feel they need little, if any, additional insurance. Picture this?
Your home is struck by lightning during a major storm and all of your electrical equipment is “fried”. Your Home Contents Policy will cover replacement of household electrical appliances destroyed as a result of the lightning strike but does not cover equipment used in the operation of a business. Some companies do offer limited cover for home office equipment?yours doesn’t.
Do you ever consult with clients at your home office? If a client trips on one of your children’s toys and is injured, don’t expect to be indemnified by the public liability section of your household policy. Any liability arising out of your business activities will be borne by you.
Think about this for a minute. Medical expenses, loss of income due to incapacity, not to mention legal expenses if the matter goes to court plus any judgement that may be awarded. Without Public Liability insurance for your business, one claim is all it would take to ruin you financially.
If you keep inventory on the premises, remember that it is not covered under your household policy. A separate policy to insure your stock will be required.
Perhaps you don’t handle stock. Your product may be your expertise and talent such as a business consultant or financial advisor. What if your advice is proven to be wrong? A financial advisor whose clients lose a lot of money because of his advice may well sue him for that loss. Without Professional Indemnity insurance, another small business folds.
Another question to ask yourself is this: What effect would losing my home-based business income have on my current lifestyle? If the answer is anywhere from “hardly any” to “catastrophic”, some form of Income Protection or Personal Accident insurance is recommended.
Then there’s Workers’ Compensation. “Workers’ Compensation?” I hear you incredulously ask. “But I don’t employ anyone!”
Consider this ?
You’re a graphic designer and very, very busy. Demand for your services has grown so much that you occasionally subcontract out some of the work.
On one particular occasion, you contact another designer with whom you’ve worked before. He meets you at your favourite coffee “haunt” and you go over the job specifications with him. The meeting ends well and you look forward to receiving his part of the project in due time. He can’t wait to get started (or to receive your cheque).
On the way home from his meeting with you, the other designer is involved in a car accident and seriously injured. He will be unable to work for at least eight weeks and has no Personal Accident insurance.
His was the only vehicle involved so there’s no recourse there either. His only alternative to keep life in some kind of order is to claim Workers’ Compensation?from you. Since the accident occurred on his way home from his meeting with you – someone who has offered payment for a service provided – it would be difficult to successfully dispute his claim.
Regardless of what type of business is being operated from your home, it is imperative that the correct insurance type and level of cover is obtained. As is illustrated by the examples given, it only takes one incident, giving rise to one claim that can ruin, not only a business, but also lives.
And it is not just the business operators who suffer. The injured parties who are themselves unable to earn a living, through no fault of their own, also suffer – as do their families. Even if a judgement is awarded in favour of an injured party, the now bankrupt home-based business operator involved would have no means by which to pay it.
Bottom line? Talk to an insurance broker today!
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A Step by Step Guide to Test Driving a Motorhome
Author: Ross Hinton
Source: articlerich.comThe purchase of a motorhome, the same as any significant investment, takes time and planning. Whether it is your first motorhome or whether you are a seasoned tourer, the importance of taking your chosen motorhome for a test drive is paramount and so Sureterm Direct, one of the UK’s leading specialist motorhome and RV insurers have come up with a step by step guide on how to test drive a motorhome.
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Insure a Static Caravan
Author: Jo Carthew
Source: ezinearticles.comAdvice on what to consider when Insuring your Static Caravan.
Now you’ve decided its time to indulge you and your family with your very own static caravan. It is such an exciting time for you all. To make the process easier here is a straightforward question and answer guide to insuring your static caravan.
After looking at a variety of caravan sites and parks you’ve found the ideal caravan, on the perfect park, and in your favourite location. You might have chosen a lakeside, busy seaside town or maybe a peaceful countryside setting. It’s a thrilling time, I’m sure you are picturing all the wonderful times you will share with your family and friends at your new holiday haven. But before you start preparation for the next barbeque or trip to the beach, it’s time to think about protecting your static caravan and finding out how to insure your investment.
You have, of course insured lots of things before and may think the static caravan insurance is just the same, but there are certain specific things to think about and to ask your prospective insurers. Here are some of the common questions people consider when insuring a static caravan
Do I have to use the company recommended by the caravan park?
You probably shop around for car and home insurance, so remember to shop around for this product too. The site may recommend an insurer, and they may be the one for you, but do shop around first. Online comparison sites are available and it only takes a few extra minutes, and should reassure you that you are buying the best product for your needs.
Is there a choice of cover available?
It is important to think carefully about the value of the cover you choose. If the caravan is only a few years old then new for old cover is available but on older vans the market value is usually the only option. Remember any extras on the caravan such as decking must be considered when you decide on the value of the cover.
Yes and like all policies…read the small print! It’s important to check what is covered and more importantly what is not. Check the level of contents insurance and single item limits, your perfect caravan may be furnished with flat screen TV, music system, cycles etc so check the policy covers these added items.
Can I let other people use the caravan?
Thinking of hiring the caravan out? Static caravan insurance generally allows for the caravan to be hired out, but if you aim to do this then do check and make sure you disclose this to the insurer. There should also be public liability insurance in case someone gets injured. Also consider whether or not you need to cover any loss of income you might suffer if the caravan was damaged and could not be rented out.
Do caravan policies like home insurance policies give benefits for installing extra security?
Insurance providers like security, so be sure your caravan meets their requirements. If you do not comply with them you may find your insurance void. I’m sure you have asked your park manager, but if not then its important to know the security measures within the park. Maybe ask some current owners if there have been any break-ins or vandalism.
With those points in mind you should be very well prepared to insure a static caravan. So shop around, ask the questions and protect your static caravan for years of happy holidays.
I am a mum to one gorgeous little boy and we are lucky enough to have found our perfect holiday caravan in Somerset. I hope you found the information on insuring a static caravan useful. You can learn more about buying and owning a static caravan here http://www.insure-a-static-caravan.blogspot.com/
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Pet Insurance. Podgy Pets Need A Diet Plan
Author: Michael Challiner -
Source: articledashboard.comIs your pet overweight? Four out of every ten pets are obese says one of the UK ’s largest pet insurers.
Owners are overfeeding their dogs and cats with massive portions and fatty foods as well lots of treats from the table. This had led to a huge increase in the number of pet insurance claims for health problems brought on by obesity.
Petplan has revealed that during the last five years it has seen a 60% increase in obesity related claims amongst the 800,000 pets it covers. As a result there are reports that some pet insurers are looking at cutting payouts if your pet is obese.
Obesity in pets causes many of the same problems it does in humans. An overweight pet is prone to many weight related conditions including: joint, ligament and tendon difficulties, breathing and heart problems and diabetes. Obese cats can also contract skin disorders from not being able to groom themselves thoroughly. The overall impact of obesity on your pets’ comfort and longevity could be catastrophic.
But perhaps there’s good news. It’s easier for you to trim down your pets weight than it is for you to fight the battle of the bulge. After all, your pet can’t grab the car keys for a trip to the chippy or phone out for a Chinese. They can’t even open the refrigerator door on their own! Your pet eats what you give it – so you’re in control. So if it’s fat, that’s your responsibility. Equally, the remedy is in your hands. Although exercise might not be your bag, your pet will always be up for a walk or a game with a toy on a string, or most popular of all doggy games, fetch the stick.
So how do you know if your pet is overweight? A healthy pet will always have some padding on them – but a little is quite enough! Start off by gently rubbing your hands over their ribs. You should be able to feel their ribs and the skin should move easily back and forth. Then step back and look at your pet from the side – if your pet looks pregnant and it shouldn’t be, it’s overweight! Your pet should also have a obvious waist at the base of the rib cage, a small tuck-in around the stomach area. Now look at your pet from above – it’s equally bad news if you can see a bump out from its middle into an apple shape. Birds too can be obese. Examine polly for rolls of fat or a thicker breast.
Certain breeds and species of pet are more likely to develop weight problems. In dogs, labradors and spaniels are especially liable to fatten up, as do beagles, corgis and retrievers. In cats the less-active breeds such as Persians are far more likely to gain weight than the go-go breeds such as Abyssinians and Siamese. And in birds, Amazon parrots are special contenders to expand into perch potatoes.
Please be aware that crash diets aren’t a good idea for pets. Be especially careful with cats who can develop a fatal liver problem if they’re forced to lose weight too quickly. Pets don’t get obese overnight and it should not be forced to slim down too quickly. Only feed at set meal times and be sure to cut out those tip bits. Then introduce more exercise. Your vet should also advise you on a regime of special diet foods. Be sure to do all of this gradually but please, be committed – your pet’s life may depend on it.
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Traveling With Family? Cover Them!
Author: Chris Snow -
Source: articledashboard.comIf you are traveling, alone or with your family, it is essential that you get adequate risk cover for everyone. Travel insurance is a must, since it covers you for all exigencies during your trip. Having said that, there are some important things that need your attention.
If you are traveling with your family, you should take a family travel insurance plan that covers your spouse and children. In case you have an extended family, you can go for either the extended family plans or the group travel plans. These work out to be far cheaper than individual coverage plans. However, the actual policy that a travel company offers would depend on the number of members traveling with you.
In case you have missed out on an extended plan, do read the offer document carefully and check if your family members are included in the plan. Since the insurance companies look out for ways and means for offering less for more, it is up to you to ensure that you have adequate insurance and that you have seen and checked the fine print in the offer document, something that most of us miss to do.
To ensure that you are getting value for your money, read the exclusions and restriction clauses carefully. Some of the common exclusions are sporting risks like bungee jumping, mountaineering, etc., recurring treatments, particular age groups and specific cases of pregnancies. The standard policies also exclude use of alcohol and drugs, any terminal illness not reported at time of taking the policy, self-inflicted injury, AIDS, etc. If you are a sports freak, please have a look at the extreme sports insurance cover. Though the premium will depend on the activities included and the provisos, it will cover you while you enjoy your favorite sport. However, check for the exclusions here also.
If you have read these terms and conditions carefully, it will help you if you need to file a claim. Since the insurance company looks for the smallest of the reasons to disqualify your claim, it is in your interest to know what is covered and what is excluded and also the correct procedure for making a claim. Be sure that you send a completed claim form along with all the relevant receipts including medical reports, police reports and others, to ensure that your claim is processed in your favor. Since the insurance company will look out specifically for false and misleading information in the exclusions and also the paperwork submitted with the claim, it will help if you have read and understood all the procedures beforehand.
Misfortune can strike anyone. Even a seemingly innocuous activity like camping can turn dangerous since you are staying outdoors and there may be wild creatures in that part of the country! Hence it is better to be safe than to be sorry afterwards. If you are a frequent traveler, you can opt for an annual plan. And if you travel once in a while, you can take the temporary policies that cover you for the duration of your travel. Whatever the case, it is prudent to be insured and wise to know the details of your policy.
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Some Points about Child Health Insurance Policy
Author: Alien
Source: articlesbase.comChildren are more prone to bumps, bruises and scrapes, colds and runny nose, not to mention by their very nature. Dr
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