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No.1 in Google UK natural listings for the search ‘car insurance’!

OK, so Moneysupermarket are getting the top Google rankings and driving a lot of unique visitors to their website. Without doubt a real profit booster for their business!!

Question is: Do they deliver real value-for-money motor cover, and the lowest possible premiums combined with exceptional levels of cover?

Answer: Good Question!

Well, we can see that Moneysupermarket.com claim that: 99% of consumers can save with Moneysupermarket car insurance††

A BIG claim (definitely) then!!!

One is not doubting the claim – but in what context – lets say in our opinion it’s a rather ‘vague’ claim.

Their is no doubt however that the Moneysupermarket.com website is one of the best laid out and usable car insurance comparison websites on the Internet. Average time to quote is very quick so there should not be a problem with spending endless minutes completing the quote process.

The company can also boast a terific roster of over 100 leading providers and UK insurers including: Churchill car insurance; The AA; Swinton; Esure; Swiftcover; LV and Admiral amongst others.

MoneySupermarket car insurance App
Their are great initiatives from this company too. Motorists can download a FREE copy of the new Moneysupermarket car insurance App for the iPhone or Android phone. This is the first free car insurance App in the UK!

We could go on………….

The bottom line is: Hop on over to their website and get a new motor quote and see for yourself whether you can save money on your new Money Supemarket car insurance quote!

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Product developments, multicar policy, and some great advertising helping to drive market share for the old ‘Norwich Union’ brand! And yes they can deliver a great, competitive quote for women car insurance:

15 weeks’ worth of free car insurance to new customers who buy online and have at least four years’ no claim discount on their existing car insurance policy.*

• Up to 70% no claims discount**
• Personal belongings in your car covered up to £150.***
• Child car seat replacement if you have an accident, even if it’s not damaged. Up to £100 per child seat.
  Driver’s support session following an accident.
• Claims line open 24 hours a day, seven days a week.
• Optional breakdown service prioritises those in a vulnerable situation.

*Proof of no claim discount is required. Offer excludes any optional extras. Minimum premium applies. Offer may be withdrawn at any time.

**Does not apply to the administration costs or any optional covers that you might choose to include.

***Excludes: money, stamps, tickets, documents or securities (such as share and premium bond certificates), goods or samples carried in connection with any trade or business.

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Admiral insurance has operated a very successful multicar product for a number of months now. This policy enables you to insure multiple cars on one Admiral policy and receive great discounts. Importantly, more cars mean bigger discounts!

Admiral now has some stiff UK competition

Aviva Multicar insurance
Their standard third party and fully comprehensive motor insurance policies seem to be popular with motorists up and down the UK. It would be no surprise to us at Homeapproved if their new Multicar insurance policy delivers equally impressive cover combined with competitive premiums.

Get the Aviva deal by insuring a second vehicle on their MultiCar policy.  The aim of this product is to deliver the flexibility and convenience you need to fit with your lifestyle!

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To get adequate protection, you will have to obtain a few more insurance policies such as worker’s compensation insurance, professional liability insurance, property insurance and directors and officers insurance etc. Not only can they protect your business premise, but also they would prevent you from financial loss in the event of fire, vandalism or theft. Unfortunately, more often than not, business owners overlook the importance of workers compensation insurance.

What is workers compensation?

Workers compensation insurance, also referred to as workman’s compensation insurance or employer’s liability insurance, is mandatory in every state in the United States. This type of insurance is aimed to cover your employee’s medical and disability expenses or at least some portion of their lost wages due to work-related illness and on-the-job injuries.

Basically, a worker’s compensation policy covers a variety of areas, including:

1. Medical treatment, which pays for your employee’s physical therapy, hospital stays and travel expenses caused by work-related injuries;
2. Occupational hazards such as disease exposure;
3. Rehabilitation that makes sure the employee can return to their original profession or be placed in a different field;
4. Lost wages (normally, two-thirds of the employee’s salary);
5. And death benefits.

What kind of protection does workers compensation give you?

Mostly, business owners think workers compensation as a kind of overhead expense that won’t bring them any benefits. But the fact is that it’s an inexpensive benefit that protects both your employees and your small business.

Firstly, this policy can effectively prevent you and your business from financial loss. Once you purchase workers compensation insurance, the insurance company will award the employee monetary sums if his got injured or became disabled while on the job. Thus, you don’t need to pay a penny out of your own pocket.

Secondly, workers compensation helps you avoid lawsuits and unnecessary problems in the event that any of your employees were injured or died, since the basic coverage is offered in exchange for your employee’s right to take legal action against you and your company.

Besides, when your employee makes an inappropriate claim for on-the-job injuries or work-related illness, the policy will get your legal expense covered. Through eliminating unnecessary losses, workers compensation can surely help you improve your cash flow.

In the long run, workers compensation helps both employees and employers. If you are ready to buy a policy, keep in mind the following tips. For different insurance policy, the amount of employer’s liability coverage varies a lot. When purchasing, try to get one that best suits your budget and provides as more coverage as you need. And, always remember to shop around to grab a great deal. You can also take advantage of online quote estimators to calculate how much your coverage will cost.

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Whether it is Personal Insurance, Business Insurance, or Financial, Professional & International Insurance, Travelers Insurance is your solid choice.

auto insurance

Auto policy at Travelers renders you and your family peace of mind. Such a policy protects you from unexpected an unwanted loss, including Bodily injury liability, Property damage liability, Medical payments and more.

You may ask, what exactly can these help you in event of accidents? Well,

1. Medical coverage pays for the expenses of treating injuries, rehabilitation and even lost wages and funeral costs.
2. Property coverage pays for damage to your car or theft.
3. Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Can you enforce your auto policy? Yes, you can. Extended coverage features transportation expense coverage, repair or replacement collision coverage, auto death indemnity, towing and labor charges coverage, auto loan and lease protection and more.

auto insurance at Travelers also comes with a line of money-saving discounts and advantages:

1. Paid in Full DiscountA discount of up to 5 percent is available if you select a paid in full bill plan and pay your auto policy premium in full.
2. Safe Driver AdvantageYou are able to benefit from Travelers Safe Driver Advantage if no accidents, violations or major comprehensive claims occurs in your household.
3. Multi-policy DiscountYou can save up to 15 percent if you combine Traveler auto, home and boat insurance.

home insurance

There is no place like your home. That is why you will spare no efforts when it comes to protect this place. Travelers home insurance can help! Travelers provides financial protection for your home, its contents and other values against disasters.

home insurance at Travelers not only suits your special needs but also fits your budget. It can cover:

1. Damages to your home’s physical structure
2. Damages to other structures like sheds or garages
3. Your personal belongings, whether they are in your home or placed elsewhere
4. Your personal liability in case that someone else is injured or his property is damaged
5. Temporary living expenses in the event your home becomes uninhabitable due to a covered loss

Just like auto insurance, you can also add additional coverage on your policy. Available add-ons include valuable items coverage, extra coverage for your belongings for full replacement costs regardless of depreciation, replacement cost coverage for your belongings and more.

Wedding Insurance

Of all days, wedding day must be perfect and flawless. Travelers knows this and that is why it offers wedding insurance products and services to put your mind at ease by helping you protect against the unexpected.

The Wedding Protector Plan from Travelers, costing as little as 160 dollars, is the safeguard you need. It is a special event insurance coverage for your special day, your rehearsal and rehearsal dinner, providing different types of coverage and coverage enhancements.

The Wedding Protection Plan covers:

1. Cancellation/Postponement
2. Lost Deposits
3. Event Photographs & Video
4. Event Gifts
5. Special Attire & Jewelry
6. Liability Insurance

Any effort is worthy on your wedding day, not to mention the 160-dollar insurance that offers protection for your financial investment as well as peace of mind.

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More often than not, we prefer not to spend extra money on renter’s insurance since we don’t believe anything bad will happen to us or just because we don’t have expensive stuff. Just imagine the following scenarios to figure out whether or not renter’s insurance is a necessity for you.

1) One of your guests has broken his ankle at the party held in the home or apartment you rent. The worst thing is that his health insurance doesn’t cover all the expenses caused by co-pay, X-rays and medication. Thus, you will have to pay hundreds of dollars to make up for those costs.

2) You return home and just find the refrigerator, along with microwave oven, flat screen HDTV and couch have been stolen. It will cost you at least $2,000 to replace all those items.

3) In the event that a fire starts when you are cooking in the kitchen, you might also have to spend substantial bucks repairing or replacing utensils and cabinets.

You know, unexpected emergencies might come up at any time, and they may lead to severe consequences. If you cannot withstand the potential financial losses, it’s better to purchase a renter’s insurance.

What does renters insurance cover?

Basically, renter’s insurance isn’t expensive. However, it can provide full coverage for your personal items and yourself. But when you move from one apartment to another, you need to readjust your renter’s insurance policy. You should also notice that other people living in the same rental unit are not covered by your renter’s insurance. Besides, a standard insurance policy doesn’t protect animals. So, for those that aren’t included in your renter’s insurance policy, you will have to purchase other types of insurance.

In general, typical items inside the rental apartment like electronics, jewelry, clothes, books, sporting equipment and furniture are covered by a standard policy. As your property is insured, anything that is lost, stolen, damaged or destroyed will be repaired or replaced by the insurance company. You won’t need to pay a penny out of your own pocket.

Also, a number of perils such as fire, wind, lightning, smoke, vandalism and accidental water damage are included in a renter’s insurance coverage. But if you happen to live in an area where earthquake or flood is likely to occur frequently, you will need to get additional coverage, as a standard policy might not cover losses caused by these events.

Renter’s insurance policy covers liability as well. That means when someone get injured or their property get lost, stolen or damaged in the rental unit, you don’t need to take responsibility for that. The renter’s insurance liability coverage will pay for medical or other costs.

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The interest arising when one person has a reasonable expectation of benefiting from the continuance of another person’s life or of suffering a loss at his or her death.  In life insurance, a person generally is considered to have an unlimited insurable interest in himself or herself.  However, a person must have an insurable interest in another person at the time of application in order to insure the other’s life.

From the definition above, it’s clear that a spouse and children would have an insurable interest in the life insurance policyholder’s life.  They would most probably suffer a financial loss if their spouse or parent passed away.  Sometimes a client will want to list a sibling or friend as a beneficiary and, in these situations, the insurance company will typically ask what insurable interest the proposed beneficiary has in the policyholder.  Usually, if there is no clear interest, the insurance company will question it and sometimes disallow the beneficiary designation.

I just read an interesting news story concerning beneficiaries of the life insurance policies of Susan Powell, the missing Washington woman whose husband, Josh Powell, recently killed himself and his children by setting his house on fire.  Susan Powell’s policy is under question for the obvious reason that she is still missing and hasn’t been officially pronounced dead.  However, Josh Powell’s policy is under investigation because of the number and timing of changes that occurred shortly before he committed the murder-suicide.  Apparently, he made changes to his beneficiaries in late 2011, naming his siblings and father as beneficiaries rather than the trust overseen partly by his father.  Aside from the timing of the changes and all the other questions that come to mind, the question of insurable interest will certainly come up.

According to the Salt Lake Tribune, given the number and timing of changes that occurred shortly before Powell carried out the murder/suicide, “New York Life also has concerns regarding Joshua Powell’s competency at the time the beneficiary changes were made,” the court filing states. It also says “doubtful questions” exist regarding payments being made to a “slayer’s siblings and/or father.”

Obviously, there are many morals to this story, but the one I want to point out in this post is to make sure the beneficiaries you designate have insurable interest in your life.

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