There are various kinds of insurance covers available for automobiles. You need to pay yearly premium on the cover. This involves a huge amount of money and the duration of cover is also lengthy. This is the usual type of cover. In contrast to this is day car insurance which is meant for a very short period of time.
One day car insurance policy is available for:
A period of 1 to 28days
Any car you can drive with a standard driving licence
Drivers with no more than 6 penalty points on your licence in the last 3 years
Drivers who have not been disqualified from driving in the last 5 years
You may be faced with a situation when you need to situations may arise where you need to drive an additional vehicle for a short period of time. This could be due to your main vehicle getting repaired or the need to borrow a van when moving home. Whatever your circumstances short term daily cover is the ideal solution, with cover from 1-28 days available. One day car Insurance advice will help you find the right One day car insurance policy.
The facility can also be used by people who own cars of their own and need to borrow a car from a friend or relative to travel for short distance. If you are faced with a situation wherein you have to drive an additional vehicle for a short period of time, you can do so with this cover. This may happen due to your main vehicle getting repaired or the need to borrow a van when moving home.
You could make use of the facility even if you wish to insure your vehicle to allow another driver not listed on your existing insurance policy, a visitor, a friend or other family member in need. You may not be able to drive yourself and would rely on someone else driving you for a time.
It is an economical choice. What's more! You can also sign up for day car insurance rather than a long term plan. Without worrying about paying yearly premium, you can use this kind of cover to keep yourself protected against any kind of risky situations. Irrespective of the fact whether you wish to travel for a day or two, you could use this over. You can benefit in the following ways with this facility:
Avail an affordable daily pricing structure
Benefit from a flexible cover
Cover available for family, small business group, large business group
Become eligible for a no obligation free quote
Thursday, July 2, 2009
Best Resources For Insurance Quote in Chicago
Get fast service, multiple selections and great packages on an insurance quote in Chicago. Should you reside in Chicago and you must find a place, ideally online, so| you can get multiple insurance quotes so that you can choose the one that has the best options, obviouslylof course at the best price for your needs.
The web is the modern place to uncover an insurance quote in Chicago or any other place or state. Online you can even find the best rates for any kind of insurance you might desire even if you happen to have your home in Canada. It's so easy to get an insurance quote on the internet.
When your getting a life insurance quotation or any other insurance quote, make sure you don't just accept the insurance quote chicago 1st suppliers quote as the best there is, you'll want to shop several sites before you make a decision to buy. There are several online insurance quote on the web that brag they've a special database and they do all the purchasing for you and bring you back the best insurance quote for the best price, but in my personal purchasing an insurance policy I have noticed that this is just not the case.
These online insurance quote sites are just like any other retailer in any other industry; they can only sell it as inexpensive as they get it plus the profit they need to make.
I say monetary advisor, but that is for things like motorcycle insurance, house owners insurance, renters insurance, van insurance...you get the point. I might suggest if your looking for health insurance plans you do your homework even consult with your physician. Had they been more careful in choosing a good medical plan this kind of disaster wouldn't have happened.
One additional tip, I might counsel you not to purchase insurance policies strictly established on price, you make get an incredibly low cost deal but then if something where to happen to you, heaven forbid, you will find that your present policy does not support your requirements.
The web is the modern place to uncover an insurance quote in Chicago or any other place or state. Online you can even find the best rates for any kind of insurance you might desire even if you happen to have your home in Canada. It's so easy to get an insurance quote on the internet.
When your getting a life insurance quotation or any other insurance quote, make sure you don't just accept the insurance quote chicago 1st suppliers quote as the best there is, you'll want to shop several sites before you make a decision to buy. There are several online insurance quote on the web that brag they've a special database and they do all the purchasing for you and bring you back the best insurance quote for the best price, but in my personal purchasing an insurance policy I have noticed that this is just not the case.
These online insurance quote sites are just like any other retailer in any other industry; they can only sell it as inexpensive as they get it plus the profit they need to make.
I say monetary advisor, but that is for things like motorcycle insurance, house owners insurance, renters insurance, van insurance...you get the point. I might suggest if your looking for health insurance plans you do your homework even consult with your physician. Had they been more careful in choosing a good medical plan this kind of disaster wouldn't have happened.
One additional tip, I might counsel you not to purchase insurance policies strictly established on price, you make get an incredibly low cost deal but then if something where to happen to you, heaven forbid, you will find that your present policy does not support your requirements.
Guide to Home Insurance for Home-Based Workers
What cover do you need when working from home? Working from home - it's peaceful, productive and free of responsibility... or is it? If you're one of the growing number of people who now work from home, you're responsible for making sure any home office equipment is safe and secure. That means it's down to you to organise insurance against theft, loss and damage. But with this guide to home insurance for home-based workers and businesses, your contents could be insured in no time.
Types of contents insurance
There are two types of contents insurance:
* The cheapest type is an 'indemnity' policy, which takes into account an amount for wear and tear. * The more costly type is a 'new for old' policy. This means you'll be paid the full amount for any item lost, stolen or damaged.
Do I need additional insurance when working from home?
Your standard home contents insurance policy may not be adequate to cover you while working at home, as domestic insurance generally only covers 'administration' duties.
You may want to supplement your standard contents insurance by adding an 'all-risks' policy for business equipment. An all-risks policy can cover loss or damage, including for when a business item is taken away from home (e.g. a business laptop).
Also, if your type of home work requires visitors to the house for purposes related to the business, you should consider Public Liability Insurance. Though not compulsory, public liability cover protects you from loss or damage resulting from claims made by anyone who visits your home in connection with your business. It also covers legal fees and other expenses to do with defending a claim.
In short, read your existing contents policy and check out the level of administration duties that are covered in relation to home work, and upgrade if necessary. And if your job means occasional visitors to your home on business grounds, then consider an adequate level of public liability insurance.
What items are covered?
A typical contents insurance policy will include electrical goods (hi-fi, TV, DVD player etc), your CD and DVD collection, furniture, carpets, clothes, ornaments and paintings. Some insurers automatically cover up to £5,000 of home office equipment, but be aware - you may need additional cover for specialist items such as expensive audio visual equipment, photocopiers etc.
Contents insurance can also be extended to cover items that you leave home with, such as a laptop, computer or mobile phone. Alternatively you can insure such items separately with an 'all-risks' policy for business equipment.
How much cover should I have?
Keep receipts as proof of purchase and be honest with your insurance company as to how much items cost. If you under-insure your contents, you won't receive the full compensation if you need to make a claim. Over-insure and you'll be wasting money by paying a higher premium than needed.
Ask for advice
If you need contents insurance, or to review your policy now that you're working from home, start by comparing quotes - you could save over £180* on home insurance.
Once you've found an insurer that meets your needs, get answers to the following questions before signing up to a policy:
* What exactly will it cover? * How much will premiums cost? * Is there a no claims bonus? * Does the insurer provide a 24-hour legal and emergency advice helpline? * What is the level of excess (the amount of the claim you'll have to pay)? * What is the level of excess to be retained by your business?
Do I need other insurance if I'm working from home?
As mentioned earlier, you may want Public Liability Insurance if you expect visitors to your home for reasons of business. You may also be legally required to have Employer's Liability Insurance if you have employees. There are a few exceptions to this, details of which can be found here.
There are other types of insurance you may wish to consider such as travel insurance, which is essential if you or your employees ever travel abroad.
Also, if required, make sure you upgrade your car insurance to cover business use for you and any employees who might use the vehicle. And likewise, if you use a van, you will need van insurance.
*24% of customers who received a home insurance quote between January and March 2009 and provided a best alternative price saved over £180.74.
About the Author
Types of contents insurance
There are two types of contents insurance:
* The cheapest type is an 'indemnity' policy, which takes into account an amount for wear and tear. * The more costly type is a 'new for old' policy. This means you'll be paid the full amount for any item lost, stolen or damaged.
Do I need additional insurance when working from home?
Your standard home contents insurance policy may not be adequate to cover you while working at home, as domestic insurance generally only covers 'administration' duties.
You may want to supplement your standard contents insurance by adding an 'all-risks' policy for business equipment. An all-risks policy can cover loss or damage, including for when a business item is taken away from home (e.g. a business laptop).
Also, if your type of home work requires visitors to the house for purposes related to the business, you should consider Public Liability Insurance. Though not compulsory, public liability cover protects you from loss or damage resulting from claims made by anyone who visits your home in connection with your business. It also covers legal fees and other expenses to do with defending a claim.
In short, read your existing contents policy and check out the level of administration duties that are covered in relation to home work, and upgrade if necessary. And if your job means occasional visitors to your home on business grounds, then consider an adequate level of public liability insurance.
What items are covered?
A typical contents insurance policy will include electrical goods (hi-fi, TV, DVD player etc), your CD and DVD collection, furniture, carpets, clothes, ornaments and paintings. Some insurers automatically cover up to £5,000 of home office equipment, but be aware - you may need additional cover for specialist items such as expensive audio visual equipment, photocopiers etc.
Contents insurance can also be extended to cover items that you leave home with, such as a laptop, computer or mobile phone. Alternatively you can insure such items separately with an 'all-risks' policy for business equipment.
How much cover should I have?
Keep receipts as proof of purchase and be honest with your insurance company as to how much items cost. If you under-insure your contents, you won't receive the full compensation if you need to make a claim. Over-insure and you'll be wasting money by paying a higher premium than needed.
Ask for advice
If you need contents insurance, or to review your policy now that you're working from home, start by comparing quotes - you could save over £180* on home insurance.
Once you've found an insurer that meets your needs, get answers to the following questions before signing up to a policy:
* What exactly will it cover? * How much will premiums cost? * Is there a no claims bonus? * Does the insurer provide a 24-hour legal and emergency advice helpline? * What is the level of excess (the amount of the claim you'll have to pay)? * What is the level of excess to be retained by your business?
Do I need other insurance if I'm working from home?
As mentioned earlier, you may want Public Liability Insurance if you expect visitors to your home for reasons of business. You may also be legally required to have Employer's Liability Insurance if you have employees. There are a few exceptions to this, details of which can be found here.
There are other types of insurance you may wish to consider such as travel insurance, which is essential if you or your employees ever travel abroad.
Also, if required, make sure you upgrade your car insurance to cover business use for you and any employees who might use the vehicle. And likewise, if you use a van, you will need van insurance.
*24% of customers who received a home insurance quote between January and March 2009 and provided a best alternative price saved over £180.74.
About the Author
Subscribe to:
Posts (Atom)