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Insure Your Homes With Cheap Home Insurance Cover

Article by Henry Bell









You home is perhaps the most important financial investment that you will ever make. Therefore it is quite understandable that such an investment needs care. Apart from that, it is our duty to make sure that our homes are secured against any mishaps. For this reason, home owners should consider purchasing home insurance policy with a suitable cover.

For many people, paying for home insurance means a mere wastage of money. This is because of the amount of money that one has to pay as premium. But with the coming up of many insurance companies in the market, the rate of premium of home insurances have also come down to a great extent. So you can definitely avail a cheap home insurance cover if you search the market properly and thoroughly.

Although everyone takes proper care of their homes, but sometimes such circumstances occur that are beyond our control. These circumstances can cause a severe damage to our homes and its building structure. Again there may be the probability of thefts in your household. Can you really afford thousands and thousands of pounds more to repair your building structure or to replace the stolen items? A proper yet cheap home insurance cover can give assist you in this situation.

There are four basic types of cheap home insurance cover:

*Building structure: This will cover the damage done to your building structure including the sheds, garages, fences of the house.

*Contents of the house: This cheap home insurance cover will pay for the cost of replacement of the contents of the house if they get stolen or damaged.

*Public Liability: This will cover up the cost if anyone who is not a member of your house gets injured in the premise of your house.

*Living cost: If for any reason you have to leave your house and live outside, your home insurance cover will pay for the cost of living.

But before the purchase of any home insurance cover; you should carefully do your homework. The first thing that you need to do is to look out for potential home insurance providers. Decide properly which company will provide you the best home insurance cover. Online method of locating and buying home insurance covers has made the work of the people easier and comfortable. So without any delay go get your cheap home insurance cover now!



About the Author

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb.co.uk endeavors to find the best possible deals for its customers. To find cheap home insurance cover, break down cover, mobile phone insurance, motorcycle insurance, medical insurance visit http://www.insuranceb.co.uk










Despite having moved into his “dream house” only in September, Sachin Tendulkar has already secured his five-story Bandra residence with a staggering Rs. 100 crore insurance cover, one of the biggest insurance deals by an individual. The cricket icon has bought the insurance from a consortium of general insurers, according to industry sources.

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Protect Your Business from Liability Claims Using Public Liability Insurance

Article by Keystone.ie









Businesses that are directly associated with public are prone to liabilities as there are chances of accidents, even after making a conscientious effort to avoid them. If your customer or any other person sues you for death, injury or property damage at your premises and if you do not have public liability insurance, you may face significant costs that can cripple your business.

These liabilities pose a severe financial threat to the businesses. Apart from the claimed amount, the high legal costs incurred in defending the cases filed by the third-parties are also to be paid by the company. Hence, having public liability insurance is very important to get out of these unexpected heavy expenses.

Read on further to know about the frequency of personal injuries at business places and how the public liability insurance helps in protecting your business from these claims.

Statistics of injury claims: According to the reports released by the Injuries Board of Ireland, there were 8,645 personal injury claims lodged in the year 2009. Among them, one in six (17%) were related to public liability, with an average award amounted to 23,143 Euros for each claim. Nearly 51% of these accidents took place in privately owned establishments, 25% in retail/shopping outlets and 19% in pubs/night clubs or restaurants. With this high rate of accidents, businesses are required to take a public liability insurance to stay guarded of future legal claims.

Listed below are the benefits of having public liability insurance.

Reimbursement of claimed amount along with legal fees: Public liability insurance compensates you with the amount of reimbursement claimed by the third-party and also the money paid as legal charges for fending such claims. This is especially significant since you are required to pay large amounts of money as legal fees.

Covers expenses related to property damage: In addition to death and injury, the damage or loss caused to the property of the third-party is also covered. Hence, a public liability policy provides the third-party with the repairing costs of the damaged property or the cost needed to buy a new property.

Offers recovery expenses: Another good thing about the policy is that it offers recovery expenses. Along with the claimed amount and legal fees, the policy also provides medical aid to the injured person. This insurance covers costs related to hospitalization, treatment cost, medical bills, rehabilitation, and other damages. Some policies also offer domestic help and other aids to help the victim recover quickly.

Provides assistance in legal dealings: The main advantage of liability policy is that the business owners do not have to constantly worry about the legal fights. The insurance company deals with all the legal complexities associated with the claim. For instance, if you lose the case, the insurance company pays the compensation and the legal fees, and if you win the case, it collects the legal fees from the injured party. This way the insurance company eliminates your legal hassles.

Protects the employees: Public liability insurance cover helps and protects the employees in case they are responsible for any accident that injures or damages a third-party or his property due to negligence at work. As they represent the company, the policy indirectly protects them from legal costs. This shows the company’s concern towards its employees.

In order to survive in this litigious society, every business needs public liability insurance to protect itself from the risks, costs and compensations associated with accidents.



About the Author

Keystone Insurance Group is Ireland’s premier supplier of public liability insurance and business insurance solutions to Irish industry. We offer a broad range of builders insurance, construction insurance, and business liability insurance products. Our public liability insurance Ireland and business insurance Ireland products offer great value to contractors and general business customers. Our experienced and professional team quickly arranges quotes for all classes of business insurance.










www.peter-aston.co.uk Cottage Industry are a 4 piece ceilidh & barn dance band from Dorset specialising in song and dance from England, Ireland & Scotland plus medieval banquets, shanty sessions and Dorset, St. Patrick’s & Burns’ evenings. Cottage Industry were established in 1976, since when the band has been on one long rollercoaster of a tour! Gigs across the country have included theatres, castles, country mansions, hotels, boats, clubs and pubs – and leaky barns! It also seems like almost every village hall in Dorset & Hampshire has echoed to the sound of the band’s driving jigs & reels! Highlights of the past 30 years have included a ‘medieval banquet’ broadcast live from the BBC studios in Southampton and playing aboard a schooner owner by an exiled Cuban goldminer – with a crew of 10 Swedish girls! Over the years the band has done quite a lot of recording – starting in about 1978 in a 4 track garage studio owned by photographer Roger Holman, to BBC Maida Vale Studios in 1981 & 1982 which produced a release “We’re All for Swanage”, a song about Swanage Railway that made us famous on TV and radio – well, for about half-an-hour anyway! In recent years Cottage Industry have recorded in Peter Aston’s 16 track studio. Cottage Industry are available for engagements in England & Wales. A quick way to check our availability is to click on “Bookings” in the left hand menu. As Peter Aston is a member of the UK Musicians’ Union, engagements carry automatic public liability …

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