Insurance Options and Policies
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At Youi Home & Contents, we ask you more questions about your house, where you live and your contents so that we can give you a tailormade quote. It’s smarter and could save you lots.
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CANSTAR CANNEX expert Steven Mickenbecker talks about the inaugural Star Ratings for home and contents insurance in Australia.
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Article by rhea kaiser
It was an important slow and time intensive process that typically deterred many homeowners from joining the sort associated with critical analysis necessary in order that they bought an appropriate policy at the top price. Into this unique vacuum stepped all the broker, who made factors somewhat better by eliminating the need to visit several distinct companies. Still, most brokers exclusively dealt with many insurance companies, which left the selection for comparison extremely limited.
With the advent within the internet and the particular rise in insurance protection related websites, the current declare of house insurance protection comparison provides more opportunity than you ever have to homeowners who would like to educate themselves around the various options there to them. Many the hands down online brokers usage completely automated methods that guarantee your quotes quickly matter of instances, with the results displayed in your screen or emailed to your account.
Finding motor insurance quotes online put in at home, but finding the least expensive auto insurance rates could be more of challenging. To get the bottom quotes, follow these tips to help you out find ways to help trim possibly many hundreds off your insurance quotes.
Give them details – Neighborhood retailer provide information with regards to your zip program code, marital status, car’s security features, and total commuting miles, by default insurance companies will quote you a higher auto insurance coverage rate. Provide as much detail as possible to guarantee you get each discount which you qualify for.
Do you need to find long period insurance, but are having a difficult time finding what you want for a fantastic price? Then you must know why it is due to your best interest to obtain as many lasting insurance quotes since you can.
There are many why anyone would be smart to begin this. Understanding these reasons will allow you see why getting quotes is so imperative to helping you find the proper insurance.
When you very own a car this can be a necessity to get a car insurance plans. Not only will it really protect you belonging to the astronomical amount it is important to pay if you will enjoy into an vehicle accident but getting automobile insurance is a necessity in certain states. So unless you may afford to pay the fee for the damages if you figure in a car accident or you not have qualms in sleeping in the prison cell then it’s important to get an insurance. If you have difficulty in budgeting the funds you have, there are ideas a cheap insurance for the vehicle.
Switching insurance suppliers can cut car insurance cost but this could only work should you have a good credit record with your ancient insurer. If you’re credit history is not great, you are better off sticking to your old insurance company. Auto insurance expense is reduced by half in case you have a good credit history. If you plan to change insurance vendors, check the record from the insurance company that you will be switching to. Discuss with if the insurance provider you are eyeing is known for a good standing having its customers. Also know this complaint record with the company. What is the utilization of an insurance company where building a claim is very hard.
About the Author
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Stride Limited Launches Insurance Comparison Site for Landlords
(PRWeb UK) September 29, 2009
Stride Limited, a respected name with over 30 years experience within the property insurance market, today launches its new online quote process, which allows landlords to compare and buy property insurance online at http://www.stride.co.uk.
The new site, a rarity amongst other commercial insurance brokers, has been developed by Stride Limited after recognising a gap in the market for a comparison website for landlords property insurance.
Claire Wilson, Commercial Development Manager, Stride Limited says of the new site:
“When we buy our personal lines insurance, we are used to being able to choose from an array of insurers. Our aim has been to emulate this; our clients can now visit our website and we will check cover details and prices from our panel of leading commercial insurers. Landlords are able to insure a portfolio of up to 5 properties online. This simplifies what has historically been an arduous process, having to visit many different websites or ring round brokers for quotes. Crucially, our clients are able to make an informed decision about the policy they are purchasing and make sure that it is the most suitable for them.”
With the deluge of so-called “unplandlords” or “accidental landlords” hitting the UK property market over the last year, the need for affordable property insurance for landlords will increase.
David Salusbury, Chairman of the National Landlords Association (NLA) recently commented of the phenomenon:
“People still need a roof over their heads. We hear that rental demand will remain strong, although there is anecdotal evidence that rents being achieved are reducing, and we hear of more property coming on to the market as a result of the so-called accidental landlords who are unable to sell their property and have decided to rent it out.”
It seems as though Stride’s endeavours have come at the right time. With more people looking for buy-to-let property insurance, a fresh approach to broking and ease of purchase has never been more essential.
In fact, Stride’s forward-thinking approach has already raised a few eyebrows in the Buy-to-Let industry. The scale of the website development has seen Stride short listed for the ‘Innovation’ and ‘Insurance Services’ categories at the ‘Landlord & Buy-to-Let Awards 2009’; the ‘Oscars’ of the industry.
Oliver Romain, head judge for the Awards and editor of Landlord & Buy-to-Let magazine, the leading magazine for the residential letting sector, says:
“We’ve had a terrific response and Stride Limited has done brilliantly to get short listed. The private rental sector gets a tough time in the media, however, the vast majority of people have a positive experience and it’s great that we have the opportunity to recognise and reward the best in the industry”.
Richard Lovegrove, Managing Director at Stride notes that despite recognition and early success in the launch, complacency in this market is not an issue:
“Stride have been successful in the commercial and residential property insurance market for many years; we have always strived to provide a fantastic service so we won’t be resting on our laurels. There are a still a large number of new landlords out there that require assistance when it comes to getting insurance for the first time and we have the experience and range of policies to meet their needs.”
It is important that landlord’s assets are fully protected to ensure that there are no unwanted hiccups in running their business and Stride can help. By offering high levels of service combined with competitive prices, Stride delivers the complete insurance package for landlords. This is now available online at: http://www.stride.co.uk/commercial-quote/ or by phone on 0800 840 6699.
Notes to editors:
1. Stride Limited offers insurance cover for a wide range of commercial property such as blocks of flats; high value housing and let properties.
2. Stride Limited is an independent insurance broker established on the South Coast since 1973. In addition to operating commercial insurance broker Stride, Stride Limited also trades as Computer Quote, now selling motor; home; van; pet & travel insurance by phone and online via http://www.computerquoteinsurance.com
3. Stride has a total Gross Written Premium (GWP) of £15 Million and employs over 55 staff.
4. For more information contact:
Richard Lovegrove
Managing Director, Stride Limited
richard.lovegrove(at)stride.co.uk
Tel: 023 9224 8761
Mob: 077 3606 9151
Fax: 023 9224 8769
Jonathan Walker
Marketing Director, Stride Limited
jonathan.walker(at)stride.co.uk
Tel: 023 9224 8730
Mob: 079 7035 4202
Fax: 023 9224 8769
Stride Limited t/a Computer Quote Registered in England No. 1122247.
Registered Office: 101 London Road, Cowplain, Hampshire PO8 8XJ.
Stride Limited is authorised and regulated by the Financial Services Authority.
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Article by Jason Hulott
Second home insurance should be more or less similar to first home insurance, youd think. Like many things in life, the answers both yes and no. Holiday home insurance bears many similarities to the insurance you have probably already arranged for your principal residence but there are significant differences, too.
The similarities
Just like standard home insurance, holiday home insurance is designed to provide financial protection for your investment in the property in the event of a whole range of risks that could result in loss or damage to the fabric of the building itself or to its contents. If accidents or natural disaster should strike, the insurance is there to indemnify you against the loss or damage. So there are typically two main components:
? Buildings insurance: as the name suggests, this is the element of insurance for the structure and fabric of the building in the event of its damage from storms, flooding, fire, falling debris, vandalism and the like. The actual sum insured might appear to be a relatively high figure since it needs to cover the cost of completely rebuilding the home and this can typically far outweigh its current market value;
? Contents insurance: the contents of even a second home can represent a sizeable investment. The sums youve spent on furniture and furnishings, appliances and equipment, not to mention your personal belongings, can soon mount up and the cost of replacing items lost, damaged or stolen could leave you seriously out of pocket. Second home insurance typically aims to help you make good any such loss.
Do note that any successful claim normally comes with an excess (this is the first part of any claim that you are liable for) and also that policy features and benefits can vary depending on the provider, so never assume that the cover you need is automatically included do check.
The differences
Whilst holiday home insurance is therefore clearly recognisable as a form of otherwise standard property insurance, there are particular considerations attached to insuring what is a second, rather than the principal, home. Second homeowners might want to pay special attention, therefore, to at least the following:
? its probably in the very nature of the second home that there will be times and possibly prolonged periods when the property remains unoccupied. Where standard home insurance on your principal residence is unlikely to maintain full cover during such extended periods, you might want to ensure that the cover on your second home continues to afford the protection required during such times;
? similarly, if your holiday home is likely to be let out to paying tenants, you are likely to want the reassurance that full insurance cover is maintained during periods that the property is let and that the insurance does cover paying guests;
? if your holiday home is overseas, there is the potentially added complication of dealing with local insurers and grappling with policies written in a foreign language. Fortunately, however, there are UK-based, specialist insurers perfectly competent in arranging holiday home insurance on properties abroad, with policy documents written in familiar and readily accessible English.
About the Author
Jason is the Webmaster of http://www.holidaypropertycover.com where you can compare rates for your holiday property insurance as well as take advantage of some excellent policy features.