Offre jusqu'au 15 janvier 2016
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الاثنين، 14 ديسمبر 2015
الاثنين، 16 نوفمبر 2015
Zéro % d'augmentation des tarifs auto en 2016
et baisse tarifaire sur de nombreux contrats auto Matmut
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Réductions Auto spécial Hiver
5% de réduction sur votre cotisation
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الاثنين، 19 أكتوبر 2015
Nouveau : rejoignez notre communauté Facebook #MatmutPrévention
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Protection contre les cambriolages
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Complémentaire santé
Dépassement d'honoraire, optiques, soins dentaires... la protection qu'il vous faut
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الثلاثاء، 15 سبتمبر 2015
Professionnels
La Matmut assure les Pros : des solutions pour vous
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الاثنين، 13 يوليو 2015
e-services mobile
Connectez votre smartphone à nos services
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Étudiants
Assurez votre logement et votre vie étudiante. A partir de 3.50 euros/mois
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الثلاثاء، 7 يوليو 2015
Matmut info
Dossier spécial : les Assemblées Générales de votre Mutuelle !
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الثلاثاء، 23 يونيو 2015
Complémentaire santé
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الخميس، 4 يونيو 2015
3 Types of Traveller Suited to Annual Travel Insurance
The world of travel is extremely diverse. For example, some
people see the beach as a paradise of warm sand and soothing waves,
while others see it as a potential site of sunburn, sweat and dangerous
surf. There are as many different types of traveller as there are
locations to visit, and, in fact, each location can be experienced in
many different ways.
There is also a huge range of insurance policies to cover yourself whilst on a trip. An annual travel insurance policy is a wise choice for certain types of people.
The Business-Class Lounger
Annual travel insurance suits one obvious category: the frequent flyer, the itchy-footed, and the ones bitten by the travel bug, either by choice or obligation. Yet even within the category of those who have to leave home many times a year there are different types. One is particularly suited to this yearly form of cover. You will find him or her in business clothes with a smart suitcase, marching across the terminal with an apparent intuitive sense of where the business-class lounge is to be found, no matter which airport they find themselves in. Those who travel regularly over the year for business need a policy that serves them for the long term.
The Quick Island-Hopper
Business-class loungers may have their cover chosen for them, or they may have to purchase it themselves. In either case, their annual travel insurance can often be written off as an expense. But there is another type of frequent flyer who bears the cost themselves. The 'island-hopper' may travel by bus, train, or even car, and actually travels to many different places, not just tropical islands! They have an innate desire that drives the to escape from the daily grind on as many weekends, public holidays, or sneaky breaks as possible. It simply makes no sense for that traveller to purchase separate cover for each trip, so having a plan that is broad and flexible in place saves time and money.
The Professional Journeyer
The difference between the business-class lounger and the professional journeyer is one of attitude and destination. Many people who leave home on business because they must, for the sake of a meeting, a convention, training or another work-related activity; the professional journeyer travels for more in-depth reasons. Photographers, archaeologists, scientists, explorers, researchers, conservationists, geologists - for these, annual travel insurance covers their long and frequent forays to places that are the goal of their business or study. The glaciers of Greenland, the excavations by the Nile, and the trails of the Amazon are not simply incidental sites - they are often a passion.
There is also a huge range of insurance policies to cover yourself whilst on a trip. An annual travel insurance policy is a wise choice for certain types of people.
The Business-Class Lounger
Annual travel insurance suits one obvious category: the frequent flyer, the itchy-footed, and the ones bitten by the travel bug, either by choice or obligation. Yet even within the category of those who have to leave home many times a year there are different types. One is particularly suited to this yearly form of cover. You will find him or her in business clothes with a smart suitcase, marching across the terminal with an apparent intuitive sense of where the business-class lounge is to be found, no matter which airport they find themselves in. Those who travel regularly over the year for business need a policy that serves them for the long term.
The Quick Island-Hopper
Business-class loungers may have their cover chosen for them, or they may have to purchase it themselves. In either case, their annual travel insurance can often be written off as an expense. But there is another type of frequent flyer who bears the cost themselves. The 'island-hopper' may travel by bus, train, or even car, and actually travels to many different places, not just tropical islands! They have an innate desire that drives the to escape from the daily grind on as many weekends, public holidays, or sneaky breaks as possible. It simply makes no sense for that traveller to purchase separate cover for each trip, so having a plan that is broad and flexible in place saves time and money.
The Professional Journeyer
The difference between the business-class lounger and the professional journeyer is one of attitude and destination. Many people who leave home on business because they must, for the sake of a meeting, a convention, training or another work-related activity; the professional journeyer travels for more in-depth reasons. Photographers, archaeologists, scientists, explorers, researchers, conservationists, geologists - for these, annual travel insurance covers their long and frequent forays to places that are the goal of their business or study. The glaciers of Greenland, the excavations by the Nile, and the trails of the Amazon are not simply incidental sites - they are often a passion.
Patrick Chong is the Managing Director of Insuremore. We provide
low cost travel insurance and offer a range of policies including annual travel insurance,
single-trip, multi-trip and family insurance. For all your travel cover
needs, Insuremore can help you in the quickest and most cost-efficient
way.
Article Source:
http://EzineArticles.com/?expert=Patrick_Chong
Top 4 Reasons to Pick Annual Travel Insurance
Choosing a travel insurance policy is not exactly an exercise one
looks forward to with excitement. You rarely find anyone who is
enthusiastic about premiums, the extent of cover, and the feeling of
putting pen to paper on a policy document! Most people would much rather
be wistfully imagining rolling waves, endless beaches, imposing
monuments and mountains of fun.
But putting effort into finding the right policy is as important as putting effort into the itinerary of your trip, especially if you travel frequently.
Why face risk?
You may be an optimist, feeling yourself impervious to danger or thinking that most hazards in strange places are exaggerated by the fearful; or you may be a pessimist, feeling sure that if the worst could happen, its bound to happen to you. Risk does not care either way. A realist realises that risks are dependent not merely on your outlook, but the nature of your trip and destination. This is why for the frequent traveller, annual travel insurance is never a waste of money. In the event of an accident, injury, mishap or loss that affects you, your family or your belongings, you will not regret having the safety net of a solid policy.
Why waste money?
Once the regular traveller realises, however begrudgingly, the need for a solid policy, attention invariably turns to money. Since it all lies in the realm of risk and potential, you should ensure you only pay for what you need. The benefit of good annual travel insurance plans is that they focus on giving the consumer plenty of options, while making sure that in light of the destination and type of trip to be taken, you're not paying for anything you won't need.
Why waste time?
Your travel time is precious - and so is the time taken to plan every trip. Buying a separate policy every time not only wastes money, it consumes time. This is why annual travel insurance is so helpful. Furthermore, it gives you a chance to focus even more on making the most of a short business hop to Brussels, taking advantage of a regular foray into the Amazon for an ongoing field study, or spending your cash beach-hopping around the Mediterranean.
Why not benefit?
The greatest benefit of annual travel insurance lies in the peace of mind it gives you. But you also have access to extras like free cover for children, free cover for cruises and golf gear, 24 hour contacts, and even bonus access to certain perks. This makes your cover seem less like strain and more like shopping! But all the while you should remember that you can't put a real price on peace of mind.
But putting effort into finding the right policy is as important as putting effort into the itinerary of your trip, especially if you travel frequently.
Why face risk?
You may be an optimist, feeling yourself impervious to danger or thinking that most hazards in strange places are exaggerated by the fearful; or you may be a pessimist, feeling sure that if the worst could happen, its bound to happen to you. Risk does not care either way. A realist realises that risks are dependent not merely on your outlook, but the nature of your trip and destination. This is why for the frequent traveller, annual travel insurance is never a waste of money. In the event of an accident, injury, mishap or loss that affects you, your family or your belongings, you will not regret having the safety net of a solid policy.
Why waste money?
Once the regular traveller realises, however begrudgingly, the need for a solid policy, attention invariably turns to money. Since it all lies in the realm of risk and potential, you should ensure you only pay for what you need. The benefit of good annual travel insurance plans is that they focus on giving the consumer plenty of options, while making sure that in light of the destination and type of trip to be taken, you're not paying for anything you won't need.
Why waste time?
Your travel time is precious - and so is the time taken to plan every trip. Buying a separate policy every time not only wastes money, it consumes time. This is why annual travel insurance is so helpful. Furthermore, it gives you a chance to focus even more on making the most of a short business hop to Brussels, taking advantage of a regular foray into the Amazon for an ongoing field study, or spending your cash beach-hopping around the Mediterranean.
Why not benefit?
The greatest benefit of annual travel insurance lies in the peace of mind it gives you. But you also have access to extras like free cover for children, free cover for cruises and golf gear, 24 hour contacts, and even bonus access to certain perks. This makes your cover seem less like strain and more like shopping! But all the while you should remember that you can't put a real price on peace of mind.
Patrick Chong is the Managing Director of Insuremore. We provide
low cost travel insurance and offer a range of policies including annual travel insurance,
single-trip, multi-trip and family insurance. For all your travel cover
needs, Insuremore can help you in the quickest and most cost-efficient
way.
Article Source:
http://EzineArticles.com/?expert=Patrick_Chong
How to Make Annual Travel Insurance Work for You
Holidays used be a luxury: generations ago, the idea of crossing
nations was intimidating for its expense and difficulty, while the
concept of crossing oceans was only possible for the lucky few.
Nowadays, packing your bags for a trip is almost an expectation for many
middle-class families, and the travel industry is booming.
The need for travel insurance has grown as well and, while many travel now and then, there some families and individuals who can afford regular trips. If this is the case for you and your family, you need to consider how to make annual travel insurance work for you.
Choose the right provider
The first step is probably the most obvious. Choosing the provider of your policy comes with its own set of expectations, including reliability, efficiency, and, of course, value for money. But picking an annual travel insurance policy from the plethora of companies flooding an already bursting market can seem daunting. The key is to focus on the quality of a provider's guarantees, matched with the openness and simplicity of their plans. Solid, small and reliable firms are usually backed up by larger insurers, and offer plans which, while simple to quote and easy to book online, always come with a clear explanation of exactly what you can expect if you plan your regular trips. Choose wisely, and whether you're heading off to Spain on short weekend trips or have a few conventions to cover in Ireland over the summer, you know you have a policy you can trust.
Choose the right plan
Even the smallest providers will offer a range of plans. It's not always a simple matter of narrowing down a number of annual travel insurance plans offered by a few companies and going with your gut instinct. The intelligent way to make your plan work for you is to ensure you only pay for what you need. Year-round cover varies, and whether you are a businessperson, family, couple, or individual will, along with other factors, affect the efficacy and cost-efficiency of your plan. Checking the fine print will save you from paying for things you might never need.
Choose the right extras
The nature of annual travel insurance means that it's is based on the rather pessimistic premise of portentous injury, accidents or loss of valuables. But even if the best-case scenario occurs and you never need to make a claim, a policy can be made attractive with some potential extras. Free cover for children, cover for cruises or golf equipment, 24 hour emergency contacts and other perks can make your plan work for you all the harder even harder - and save you money!
The need for travel insurance has grown as well and, while many travel now and then, there some families and individuals who can afford regular trips. If this is the case for you and your family, you need to consider how to make annual travel insurance work for you.
Choose the right provider
The first step is probably the most obvious. Choosing the provider of your policy comes with its own set of expectations, including reliability, efficiency, and, of course, value for money. But picking an annual travel insurance policy from the plethora of companies flooding an already bursting market can seem daunting. The key is to focus on the quality of a provider's guarantees, matched with the openness and simplicity of their plans. Solid, small and reliable firms are usually backed up by larger insurers, and offer plans which, while simple to quote and easy to book online, always come with a clear explanation of exactly what you can expect if you plan your regular trips. Choose wisely, and whether you're heading off to Spain on short weekend trips or have a few conventions to cover in Ireland over the summer, you know you have a policy you can trust.
Choose the right plan
Even the smallest providers will offer a range of plans. It's not always a simple matter of narrowing down a number of annual travel insurance plans offered by a few companies and going with your gut instinct. The intelligent way to make your plan work for you is to ensure you only pay for what you need. Year-round cover varies, and whether you are a businessperson, family, couple, or individual will, along with other factors, affect the efficacy and cost-efficiency of your plan. Checking the fine print will save you from paying for things you might never need.
Choose the right extras
The nature of annual travel insurance means that it's is based on the rather pessimistic premise of portentous injury, accidents or loss of valuables. But even if the best-case scenario occurs and you never need to make a claim, a policy can be made attractive with some potential extras. Free cover for children, cover for cruises or golf equipment, 24 hour emergency contacts and other perks can make your plan work for you all the harder even harder - and save you money!
Patrick Chong is the Managing Director of Insuremore. We provide
low cost travel insurance and offer a range of policies including annual travel insurance,
single-trip, multi-trip and family insurance. For all your travel cover
needs, Insuremore can help you in the quickest and most cost-efficient
way.
Article Source:
http://EzineArticles.com/?expert=Patrick_Chong
Planning for Overseas Holidays? What About Travel Insurance?
Holiday season is on the cards. So, are you going to travel
abroad this time? If yes, then do not miss travel insurance in any case.
The rates have gone dirt cheap and you can easily get a good level of
coverage at the payment of a few hundred rupees. Yes, that's true.
Sample this: A travel insurance plan of USD 50,000 for a trip to Australia, Belgium or Malaysia can be taken in just Rs 397. Royal Sundaram, India's leading general insurance company, is providing this facility at such a low cost.
The rates of travel insurance premium are more or less the same for several countries other than the United States (US) and Canada. But even for the US and Canada, you can get a travel insurance plan of USD 50,000 in just Rs 600.
If you double the coverage to USD 1,00,000, you just need to pay Rs 150 extra. That's the kind of benefit, general insurance companies are providing to you these days.
Thanks to the highly competitive yet healthy environment created by the Insurance Regulatory and Development Authority of India (IRDAI) that general insurance plans in India have become so affordable.
There was a time when travelling to foreign countries was so mind boggling. Many countries are notorious for theft and loot. People lose their luggage during the travel and end up facing several issues.
But with travel insurance, you can easily secure yourself and your belongings. The peace of mind comes with a cost and that cost has gone negligible. So, why to ignore it and travel without insurance?
There are incidents wherein people have lost their laptops from their side. Recently, a sales director of a consulting company was travelling to Switzerland lost his bag carrying expensive camera, cash, etc. from the airport. That was truly shocking to him. The bag could not be traced by the airlines and the police, and he had to suffer a loss to the tune of Rs 1 lakh. Alas, he did not buy travel insurance this time.
Every time, he bought travel insurance and since nothing unfortunate happened, this time he decided to save some money and forget about insurance.
This can be tempting to a lot of people. But remember that unfortunate incidents do not come calling. You have to stay alert and conscious. There are many things, which are not under your control. Loss of baggage is one of those risks. Thus, it is advisable to take general insurance each time and every time. There should not be any second thought about it.
Especially, during the holiday season from March to September, airports deal with excessive number of people and things tend to go wrong. You may be lucky sometimes but even if something happens even a single time, then several times of what you saved by not buying travel insurance can be lost in a few moments.
It is better to be pound wise and penny foolish, than the other way around. Isn't it?
These days, all online travel portals offer you travel insurance plans on buying tickets from them. But no worries, in case you skip buying it from them or buy through any other mode. You can buy travel insurance plans online, in a few minutes. It is very easy and fast. You can even buy it at the last moment - at the airport or from within the cab while travelling to the airport.
Sample this: A travel insurance plan of USD 50,000 for a trip to Australia, Belgium or Malaysia can be taken in just Rs 397. Royal Sundaram, India's leading general insurance company, is providing this facility at such a low cost.
The rates of travel insurance premium are more or less the same for several countries other than the United States (US) and Canada. But even for the US and Canada, you can get a travel insurance plan of USD 50,000 in just Rs 600.
If you double the coverage to USD 1,00,000, you just need to pay Rs 150 extra. That's the kind of benefit, general insurance companies are providing to you these days.
Thanks to the highly competitive yet healthy environment created by the Insurance Regulatory and Development Authority of India (IRDAI) that general insurance plans in India have become so affordable.
There was a time when travelling to foreign countries was so mind boggling. Many countries are notorious for theft and loot. People lose their luggage during the travel and end up facing several issues.
But with travel insurance, you can easily secure yourself and your belongings. The peace of mind comes with a cost and that cost has gone negligible. So, why to ignore it and travel without insurance?
There are incidents wherein people have lost their laptops from their side. Recently, a sales director of a consulting company was travelling to Switzerland lost his bag carrying expensive camera, cash, etc. from the airport. That was truly shocking to him. The bag could not be traced by the airlines and the police, and he had to suffer a loss to the tune of Rs 1 lakh. Alas, he did not buy travel insurance this time.
Every time, he bought travel insurance and since nothing unfortunate happened, this time he decided to save some money and forget about insurance.
This can be tempting to a lot of people. But remember that unfortunate incidents do not come calling. You have to stay alert and conscious. There are many things, which are not under your control. Loss of baggage is one of those risks. Thus, it is advisable to take general insurance each time and every time. There should not be any second thought about it.
Especially, during the holiday season from March to September, airports deal with excessive number of people and things tend to go wrong. You may be lucky sometimes but even if something happens even a single time, then several times of what you saved by not buying travel insurance can be lost in a few moments.
It is better to be pound wise and penny foolish, than the other way around. Isn't it?
These days, all online travel portals offer you travel insurance plans on buying tickets from them. But no worries, in case you skip buying it from them or buy through any other mode. You can buy travel insurance plans online, in a few minutes. It is very easy and fast. You can even buy it at the last moment - at the airport or from within the cab while travelling to the airport.
PolicyX.com is an IRDA approved insurance comparison portal http://www.policyx.com/
helping consumers compare, choose and buy policies online. We provide
health, motor, life, travel & corporate insurances from a wide range
of insurers.
Article Source:
http://EzineArticles.com/?expert=Naval_K_Goel
Travel Insurance - Yes or No
Most people (and governments) will advise travelers to purchase
travel insurance, especially when traveling internationally. Our
personal insurances (medical and other) do not normally cover us when we
are in another country. Taking out appropriate travel insurance will
reduce the risk of high costs should something bad happen. Most travel
agents will offer some travel insurance and in order to satisfy
yourself, you should review the policy.
What Travel insurance will You Need?
Generally, the two largest risks associated with travel are the medical and emergency assistance risks and the risk of altering your travel plans. However most policies will include other items like lost/stolen baggage, loss of travel documents, flight delays or interruption, death insurance, car rental risk, specialist equipment and other items.
When purchasing our tickets for a vacation, we usually look for the "best price" option. However, the "best price' option is often the one that is most expensive to alter. So, if circumstances change, you look to the travel insurance to support you. There are several clauses in insurance policies that detail the circumstances for support. Be aware that in some cases, if you purchase a discounted ticket and circumstances change, and the discounted fare is no longer available, the support from insurance may fall short of the new price. You should always read the clauses relating to cancellation and change as they impact the cost of the premium, particularly the "deeming" phrases."
Cheap policies may be more restrictive
Medical Care and Emergency Assistance are often expensive in foreign places. Most places have hospitals and doctors of varying proficiency. However, they will most likely want payment in advance. Contact your insurer as soon as you can for advice and direction. Should you fall ill on a cruise, for example, and need to be flown to the nearest hospital, the costs will run into the tens of thousands.
Consider the other items listed above, but if you have the opportunity you may be able to reduce the cost of the premium by lowering the insured amounts and even taking up a small excess. That is, you agree to pay the first $100, say of the claim.
Most times we think of what is the best that can happen. In considering insurance, however, it may be better to ask, what is that worst that can happen. This may be the cancellation of the whole trip coupled with the associated cancellation costs or some emergency medical mishap that will require emergency evacuation or local care. Not good thoughts before a vacation of a lifetime, but necessary, especially when considering that travel insurance is not expensive.
What Travel insurance will You Need?
Generally, the two largest risks associated with travel are the medical and emergency assistance risks and the risk of altering your travel plans. However most policies will include other items like lost/stolen baggage, loss of travel documents, flight delays or interruption, death insurance, car rental risk, specialist equipment and other items.
When purchasing our tickets for a vacation, we usually look for the "best price" option. However, the "best price' option is often the one that is most expensive to alter. So, if circumstances change, you look to the travel insurance to support you. There are several clauses in insurance policies that detail the circumstances for support. Be aware that in some cases, if you purchase a discounted ticket and circumstances change, and the discounted fare is no longer available, the support from insurance may fall short of the new price. You should always read the clauses relating to cancellation and change as they impact the cost of the premium, particularly the "deeming" phrases."
Cheap policies may be more restrictive
Medical Care and Emergency Assistance are often expensive in foreign places. Most places have hospitals and doctors of varying proficiency. However, they will most likely want payment in advance. Contact your insurer as soon as you can for advice and direction. Should you fall ill on a cruise, for example, and need to be flown to the nearest hospital, the costs will run into the tens of thousands.
Consider the other items listed above, but if you have the opportunity you may be able to reduce the cost of the premium by lowering the insured amounts and even taking up a small excess. That is, you agree to pay the first $100, say of the claim.
Most times we think of what is the best that can happen. In considering insurance, however, it may be better to ask, what is that worst that can happen. This may be the cancellation of the whole trip coupled with the associated cancellation costs or some emergency medical mishap that will require emergency evacuation or local care. Not good thoughts before a vacation of a lifetime, but necessary, especially when considering that travel insurance is not expensive.
David from Davids Tours listens to peoples travel dreams and
makes them happen. The special tailor-made tours for small groups with
special interest are a great addition to travelers. For more information
contact David through http://www.davidstours.com.au
Article Source:
http://EzineArticles.com/?expert=David_Nivala
Business Travel Insurance: Important?
Those in the business world can appreciate that hurdles can come
out of nowhere, especially when you have a tight deadline or can't
afford to have any more stress outside of what the job is outlining.
While travel can be smooth, it can also throw some curve balls that can
give you a major bump and headache. Travel insurance for businesses
trips can be helpful to your company.
Like travel insurance that you take out for a personal trip, the coverage is going to depend on the particular plan that you choose. Some plans offer trip interruption but make sure that it's a covered reason. Other plans may have coverage for a trip delay. If so, it's important to know how long that delay needs to be since it can vary from policy to policy and/or company to company. Whatever it is that you are looking for in a policy, make sure that you go over all of the policies and choose the one that best matches your needs. I would strongly recommend that you speak with the insurance agent to get all your questions answered. This is not one of those times where not knowing won't hurt you: it can and will hurt you if you didn't read the fine print or didn't ask all your questions.
Did the business deal fall through and the meeting was cancelled? Many travel insurance policies also have the option to help cover cancelling the already paid trip. Again, always check that this is actually in the policy that you choose. It's also important that you know if there's a specific amount related to this.
Needless to say, you should go with a reputable travel insurance company and ask as many questions as you need answered. Although your travel agent can guide you to a good company, you should still do your due diligence. I would personally go with a larger, well-known company rather than a smaller, lesser-known company tat promises you lower prices. Please also remember that a travel agent is not an insurance agent. They are another person in your corner that will fight for you, but ultimately your questions and concerns should be aimed at the insurance agent that's handling your policies and claims.
In the end, investing in travel insurance for your business trips can be a very great move. While it does require some legwork, it does mean having some comfort knowing that things are not that out of control. It gives you just one more tool to get your job done at the end of the day and one step closer to closing the deal.
Like travel insurance that you take out for a personal trip, the coverage is going to depend on the particular plan that you choose. Some plans offer trip interruption but make sure that it's a covered reason. Other plans may have coverage for a trip delay. If so, it's important to know how long that delay needs to be since it can vary from policy to policy and/or company to company. Whatever it is that you are looking for in a policy, make sure that you go over all of the policies and choose the one that best matches your needs. I would strongly recommend that you speak with the insurance agent to get all your questions answered. This is not one of those times where not knowing won't hurt you: it can and will hurt you if you didn't read the fine print or didn't ask all your questions.
Did the business deal fall through and the meeting was cancelled? Many travel insurance policies also have the option to help cover cancelling the already paid trip. Again, always check that this is actually in the policy that you choose. It's also important that you know if there's a specific amount related to this.
Needless to say, you should go with a reputable travel insurance company and ask as many questions as you need answered. Although your travel agent can guide you to a good company, you should still do your due diligence. I would personally go with a larger, well-known company rather than a smaller, lesser-known company tat promises you lower prices. Please also remember that a travel agent is not an insurance agent. They are another person in your corner that will fight for you, but ultimately your questions and concerns should be aimed at the insurance agent that's handling your policies and claims.
In the end, investing in travel insurance for your business trips can be a very great move. While it does require some legwork, it does mean having some comfort knowing that things are not that out of control. It gives you just one more tool to get your job done at the end of the day and one step closer to closing the deal.
For more help with your next business trip, contact Sabrina Toth at Sabrina@tothinternational.com.
Article Source:
http://EzineArticles.com/?expert=Sabrina_Toth
How To Choose The Right Travel Insurance Policy
Whenever you go on a trip overseas, it is always best to stay
protected, safe and secure. Whether you are going on a business trip or
on a family holiday in a different country, it would be best to be
always prepared in case of any emergencies or untoward incident. You can
do this by investing in a travel insurance policy.
Not all travel policies are the same though. Various companies offer different types of coverage. However, to make sure that you are fully covered during your travel, you have to correctly choose the right type of insurance policy.
To make sure that you choose the right travel insurance policy, consider following the tips below:
Find out if you already have some coverage. Without even knowing it, you might already be covered. This is because some banks now provide free although basic travel insurance coverage for their customers. As such, it's always worth checking this before you start shopping around. While you're doing this, have a look at your home insurance policy as well. This type of coverage will often cover the loss of personal items while away from home.
Make sure the policy covers all the basics. This means that the best travel insurance you should get must cover all the important areas or aspects: medical, luggage and personal items, excess, and cancellation policy. All of these are important and have to be covered by your policy and as such, make sure they are included in the coverage you want to invest in.
Make sure your destination is covered. Unfortunately, not all insurance providers offer coverage for all the countries in the world. You'll find that while the US & Caribbean are frequently not automatically included in worldwide policies, African countries such as Egypt and Morocco are included in European ones. This is important to keep in mind if you're heading to multiple locations or choosing an annual policy.
Lastly, find out if you will benefit more from an annual coverage or single trip policy. If you have plans of taking three holidays or more in the next year, get yourself an annual policy. By doing so, you will definitely save some extra money. However, make sure you check the maximum number of days covered in a single trip since some policies will provide cover for just 45 days, some for just 21. If you're going backpacking, travel insurance experts recommend choosing a specific backpacker's travel insurance policy.
Not all travel policies are the same though. Various companies offer different types of coverage. However, to make sure that you are fully covered during your travel, you have to correctly choose the right type of insurance policy.
To make sure that you choose the right travel insurance policy, consider following the tips below:
Find out if you already have some coverage. Without even knowing it, you might already be covered. This is because some banks now provide free although basic travel insurance coverage for their customers. As such, it's always worth checking this before you start shopping around. While you're doing this, have a look at your home insurance policy as well. This type of coverage will often cover the loss of personal items while away from home.
Make sure the policy covers all the basics. This means that the best travel insurance you should get must cover all the important areas or aspects: medical, luggage and personal items, excess, and cancellation policy. All of these are important and have to be covered by your policy and as such, make sure they are included in the coverage you want to invest in.
Make sure your destination is covered. Unfortunately, not all insurance providers offer coverage for all the countries in the world. You'll find that while the US & Caribbean are frequently not automatically included in worldwide policies, African countries such as Egypt and Morocco are included in European ones. This is important to keep in mind if you're heading to multiple locations or choosing an annual policy.
Lastly, find out if you will benefit more from an annual coverage or single trip policy. If you have plans of taking three holidays or more in the next year, get yourself an annual policy. By doing so, you will definitely save some extra money. However, make sure you check the maximum number of days covered in a single trip since some policies will provide cover for just 45 days, some for just 21. If you're going backpacking, travel insurance experts recommend choosing a specific backpacker's travel insurance policy.
الاثنين، 18 مايو 2015
Prévention : baignade
Nos conseils pour éviter le pire !
from Actualités Matmut http://ift.tt/1FsZUbA
from Actualités Matmut http://ift.tt/1FsZUbA
السبت، 2 مايو 2015
Public Liability Insurance for Steel Workers, Fixers/Erectors And Reinforcing Rod Installers
If you are a steel worker, working in the Steel Industry, working
as a Steel Fixer/Erector, or a Reinforcing Rod Installer, Liability
Insurance is difficult to find. As a Steel Erector - you may work with
heat, or no heat, and you may work at heights which are factors of high
risk. The nature of your work will need carefully assessing to make sure
the underwriter has a full understanding of your business - which
guarantees a policy which covers you comprehensively. Good upfront
underwriting ensures that valid claims get settled swiftly and
efficiently.
If you install Steel Reinforcing Rods, you may pour cement too - another important factor that the insurer must understand when assessing the risk to the public and other site workers. Underpinning may also be part of your business which must be declared at the upfront underwriting stage. Insurers will also want to know if you work underground or at heights.
While shopping for Public Liability Insurance, steel workers can expect a full and lengthy fact-finding process, which in the long run guarantees a policy which will settle valid claims quickly. Without all relevant details about your specific steel working business the underwriter can not expect to assess the risk, and won't be able to offer a quotation.
Good quality Public Liability Insurance for a Steel Erector, or Reinforcing Rod Installer is unlikely found using on-line quotation systems. Tick boxes and drop- down menus can not capture the information effectively and each business, sub-contractor will have a unique job which is best discussed on the telephone. This way you will have piece of mind that the risk you pose while on site working has been fully assessed, and you are not leaving anything to chance. Your covered.
Most Liability Insurance claims are made up of 3 types -
- Slips, Trips and Falls
- Stress and Anxiety due to hold ups
- being struck by falling objects
The Liability Insurance provided for a Steel Erector, Reinforcement Rod Installers and other types of occupation within the steel industry - insist on strict guidelines on Risk Assessment processes, Employee Training, Protective Clothing enforcement, and strict, and clear Health and Safety Procedures.
Any tradesmen self-employed or owning a company should have a Public Liability Insurance Certificate, however any Sub-Contractors you hire should have their own policy and will only be covered on your policy if:
a) The sub-contractor is on your payroll as an employee and you submit their PAYE contributions, and
b) your policy includes Employer Liability as an add-on feature.
If you install Steel Reinforcing Rods, you may pour cement too - another important factor that the insurer must understand when assessing the risk to the public and other site workers. Underpinning may also be part of your business which must be declared at the upfront underwriting stage. Insurers will also want to know if you work underground or at heights.
While shopping for Public Liability Insurance, steel workers can expect a full and lengthy fact-finding process, which in the long run guarantees a policy which will settle valid claims quickly. Without all relevant details about your specific steel working business the underwriter can not expect to assess the risk, and won't be able to offer a quotation.
Good quality Public Liability Insurance for a Steel Erector, or Reinforcing Rod Installer is unlikely found using on-line quotation systems. Tick boxes and drop- down menus can not capture the information effectively and each business, sub-contractor will have a unique job which is best discussed on the telephone. This way you will have piece of mind that the risk you pose while on site working has been fully assessed, and you are not leaving anything to chance. Your covered.
Most Liability Insurance claims are made up of 3 types -
- Slips, Trips and Falls
- Stress and Anxiety due to hold ups
- being struck by falling objects
The Liability Insurance provided for a Steel Erector, Reinforcement Rod Installers and other types of occupation within the steel industry - insist on strict guidelines on Risk Assessment processes, Employee Training, Protective Clothing enforcement, and strict, and clear Health and Safety Procedures.
Any tradesmen self-employed or owning a company should have a Public Liability Insurance Certificate, however any Sub-Contractors you hire should have their own policy and will only be covered on your policy if:
a) The sub-contractor is on your payroll as an employee and you submit their PAYE contributions, and
b) your policy includes Employer Liability as an add-on feature.
At Tradesmanshield we offer competative Public Liability
Insurance for Steel Fixers/Erectors - working at heights with or without
heat, and Reinforcing Rod Installers, with or without Cement Pouring.
We understand your business which helps reduce your premium as we only include the relevant insurance you need.
For a quote today - call Free Phone 0800 612 2007, or visit
http://www.tradesmanshield.co.uk/ for an online quote now.
Article Source:
http://EzineArticles.com/?expert=Hayley_Connolly
We understand your business which helps reduce your premium as we only include the relevant insurance you need.
For a quote today - call Free Phone 0800 612 2007, or visit
http://www.tradesmanshield.co.uk/ for an online quote now.
A Guide to Business Insurance for UK Marine Trades
Introduction
Insurance solutions for businesses operating in the Marine Leisure Sector have been slow to evolve compared to other sectors. Until relatively recently, a boatyard owner could find him/herself having to source a suite of insurance products to cover buildings, contents, financial risks, vessels, pontoons and indemnity against a range of legal liabilities. Whilst the first Marine Traders "Combined" policy that provided cover for all these risks appeared in the late 1990s, the market did not rush to embrace the new paradigm. Some significant providers of insurance in this Sector did not release a "Combined" solution until as late as 2007 and others still only offer stand-alone covers.
Advantages of Combined Insurance Policies
There are numerous advantages to business owners of having a single insurance policy that combines cover in respect of the majority of their needs. First and foremost it streamlines administrative processes by reducing documentation considerably, thus saving business owners time and money. It also ensures the owner has a single renewal date to deal with. Probably the main benefit to businesses is the potential premium savings that can be made through this type of system: the more cover that can be placed on a single policy gives the provider more scope to reduce the overall insurance premium.
Marine Trades Insurance Providers
Combined Insurance policies for marine-related businesses are now available from a number of specialist providers. Whilst the majority of these providers will deal direct with the public, some will deal only through insurance brokers. An insurance provider that sells direct to the public will only offer their own product. Dealing directly with insurers not only restricts you in terms of available insurance options, it also means you have to invest valuable time in shopping around providers for competitive quotations. An independent specialist Marine Trades Insurance broker can potentially save you and your business time and money by conducting a full broking exercise across the market on your behalf.
Specialist brokers can also assist in arranging bespoke cover as opposed to a standard "off-the-peg" solution. This can give your business vital benefits where standard policy exclusions are amended or removed, widening the overall scope of protection. You may also benefit in the event of a claim:
Before outlining the structure of a policy it is necessary to stress the importance of ensuring that the correct limits of indemnity form the basis of your insurance cover. It is tempting for businesses seeking to reduce their costs to deliberately underinsure their businesses. This can potentially prove catastrophic in the event of a loss, as an insurer will almost certainly invoke the principle of "Average" when underinsurance is discovered.
Marine Trades Combined Insurance policies generally follow the same model, with the odd exception as to where a particular item may appear. For example, some policies will include pontoons in the Material Damage Section whilst others may bracket them in the Marine Section. Outlined below is a typical policy structure:
As detailed above, policy conditions and exclusions will vary from insurer to insurer. Even if you are purchasing your policy by telephone you should always ask your provider to go through them with you in addition to any warranties that will have been imposed. There are significant differences between each of these:
Directors & Officers Liability Insurance (Management Protection)
Modern legislation now means company directors can now be sued as individuals in respect of their decisions and actions as directors or managers of businesses. The duties of company directors are established in law and include the following areas of responsibility:
Whilst public bodies such as the Health & Safety Executive can prosecute directors if they are perceived to have failed to comply with their statutory duties, claims could also arise from numerous third parties such as employees, creditors, customers or suppliers.
With the number of employees injured at work increasing by over 100,000 in 2010 and lawyers able to act on a "No-Win, No-Fee" basis, directors appear to be more exposed than ever.
What Are The Financial Implications of a Claim? Directors will be personally liable for meeting the cost of legal expenses as well as any damages awards, fines or penalties. This means assets such as their cars, houses, stocks and money could be lost. Companies are prohibited from indemnifying their directors in the event of their insolvency.
How Can Directors & Officers Liability Insurance Help?
Whilst a D&O policy will not cover any fines against directors it will cover the cost of defending a prosecution until the point when guilt is established. This could potentially save tens, if not hundreds, of thousands of pounds of an individual's assets in legal expenses. A D&O policy can also cover awards for damages and legal expenses made against directors in civil cases.
Professional Indemnity Insurance
If you give advice, conduct surveys or inspections for a fee, your legal liabilities in respect of these activities are excluded on your Marine Trade policy. A stand-alone Professional Indemnity policy will fill the gap in your insurance cover.
Tractor & "Special Types" Insurance
Tractors and other special type vehicles which are road-registered are excluded from standard public liability policies, as are many unregistered vehicles, if travelling on, or crossing, public highways. This may also apply to areas where the public have access such as ports, harbours and boatyards. Types of vehicles that fit into this class are: Tractors, Cranes, Fork Lifts, Cherrypickers, Boat Lifts and other self-propelled mobile plant.
Third Party insurance is compulsory and a failure to have this basic cover is considered one of the most serious offences. A substantial fine and disqualification are amongst the recommended penalties.
Driving uninsured (or allowing your employees to do so) is an absolute offence which means there is no discretionary defence available, ie the vehicle is either insured or it is not. If, for any reason it is not insured, the offence is committed.
Without insurance your business and your personal assets are at risk from potentially huge compensation claims being made against you
Comprehensive Road Risks insurance in for tractors and "Special Types" is available at very competitive rates from your specialist broker.
Summary
Modern businesses need modern insurance programmes. Cutting cover to cut costs is not the solution. Your 9-point step to getting the right cover for your business at the best available premium is:
1. Choose an independent specialist broker.
2. Ask them what they can offer you in terms of support in the event of a claim.
3. Ask them to visit you to look over your business.
4. Ensure you fully disclose all relevant information about your business
5. Accurately assess the value of your premises & property and the levels of your turnover, payroll and gross profit.
6. Request 3 quotations.
7. Ensure you have all conditions, exclusions, warranties explained to you verbally - a written summary is not sufficient.
8. If you think some of the exclusions or warranties are unreasonable then ask your broker to negotiate their removal.
9. Finally, negotiate the best premium you can get from your appointed broker.
Disclaimer: This article does not constitute specific advice or recommendation to any individual or business. Individuals and businesses should seek the advice of an appropriately authorised and regulated insurance broker or intermediary.
Insurance solutions for businesses operating in the Marine Leisure Sector have been slow to evolve compared to other sectors. Until relatively recently, a boatyard owner could find him/herself having to source a suite of insurance products to cover buildings, contents, financial risks, vessels, pontoons and indemnity against a range of legal liabilities. Whilst the first Marine Traders "Combined" policy that provided cover for all these risks appeared in the late 1990s, the market did not rush to embrace the new paradigm. Some significant providers of insurance in this Sector did not release a "Combined" solution until as late as 2007 and others still only offer stand-alone covers.
Advantages of Combined Insurance Policies
There are numerous advantages to business owners of having a single insurance policy that combines cover in respect of the majority of their needs. First and foremost it streamlines administrative processes by reducing documentation considerably, thus saving business owners time and money. It also ensures the owner has a single renewal date to deal with. Probably the main benefit to businesses is the potential premium savings that can be made through this type of system: the more cover that can be placed on a single policy gives the provider more scope to reduce the overall insurance premium.
Marine Trades Insurance Providers
Combined Insurance policies for marine-related businesses are now available from a number of specialist providers. Whilst the majority of these providers will deal direct with the public, some will deal only through insurance brokers. An insurance provider that sells direct to the public will only offer their own product. Dealing directly with insurers not only restricts you in terms of available insurance options, it also means you have to invest valuable time in shopping around providers for competitive quotations. An independent specialist Marine Trades Insurance broker can potentially save you and your business time and money by conducting a full broking exercise across the market on your behalf.
Specialist brokers can also assist in arranging bespoke cover as opposed to a standard "off-the-peg" solution. This can give your business vital benefits where standard policy exclusions are amended or removed, widening the overall scope of protection. You may also benefit in the event of a claim:
- Where a business buys direct from an insurer, in the event of a claim the owner is left to negotiate a settlement from the insurer. This can put the business at a disadvantage where there is a dispute over liability or settlement. Using an independent specialist broker to arrange cover provides the business owner with an experienced advocate in the event of suffering a claim. The broker is bound to act in the best interests of the client at all times and a specialist broker can often assist in instances where claims have initially been repudiated.
Before outlining the structure of a policy it is necessary to stress the importance of ensuring that the correct limits of indemnity form the basis of your insurance cover. It is tempting for businesses seeking to reduce their costs to deliberately underinsure their businesses. This can potentially prove catastrophic in the event of a loss, as an insurer will almost certainly invoke the principle of "Average" when underinsurance is discovered.
- The Principle of Average: In the event of underinsurance any claim settlement will be based on the ratio of the sum insured to actual value. For example, where a business has insured stock worth £100,000 for only £50,000, the business has underinsured by 50%. In the event of a loss of £25,000, the insurer will apply average and only pay a settlement of £12,500.
Marine Trades Combined Insurance policies generally follow the same model, with the odd exception as to where a particular item may appear. For example, some policies will include pontoons in the Material Damage Section whilst others may bracket them in the Marine Section. Outlined below is a typical policy structure:
- Material Damage: This Section will cover all property other than vessels at your business premises. It is split into various sub-sections that vary from provider to provider, but the splitting of property into these sub-sections enables you to benefit from lower premium rates on the lower risk items to be covered. Typically, a Material Damage Section will be divided as follows:
- Buildings (with or without subsidence cover)
- Marine Installations (pontoons, slipways, wet/dry docks etc)
- Computers and Associated Equipment (at the business' premises)
- Machinery and Equipment (at the business' premises)
- General Stock (at the business' premises)
- Valuable & Attractive Stock (at the business' premises)
- All Other Contents (at the business' premises)
- Glass: Some insurers will include Glass within the cover for Buildings. However, most Marine Trade insurers will not cover Glass unless specifically requested and will also levy an additional premium. Cover will be provided for external and internal glass with additional extensions available for items such as glass signage and sanitary ware.
- All Risks Cover: Must be obtained for businesses wishing to insure items they remove from the business' premises such as:
- Tools & Machinery
- Laptop Computers, Mobile 'Phones etc
- Trailers (thease can also be covered under the Marine Section)
- Frozen Food: Covers loss or damage to fuel resulting from change in temperature in fridges or freezers resulting from breakdown or interruption to power supply.
- Goods in Transit: Protects against loss of goods whilst in transit or whilst temporarily stored in the course of transit. Business owners need to beware of the variation in scope of cover from policy to policy and of the plethora of exclusions that each insurer applies to cover.
- The premium for Goods in Transit insurance is based on a combination of the total sum insured per vehicle, the number of vehicles used and the estimated total annual carryings of the business.
- This Section can also be extended to insure postal sendings and carriage by third parties.
- Goods in Transit cover for vessels is excluded on many policies unless specifically mentioned. However, it is possible to include insurance for vessels whilst in transit by endorsing the Marine Section of the policy. Organising a policy in this way can save a business money if vessels are the only items to be insured whilst in transit.
- Exhibitions: Covers exhibits, stands and other materials at exhibitions.
- Whilst insurers include this Section within their policies, a business could reduce costs by having the Marine Section of their policy endorsed to cover vessels at exhibitions rather than pay their insurers an additional premium for the same benefit.
- Business Interruption: Covers the loss of Gross Profit and/or the Additional Cost of Working in the event of the trading activities of a business being interrupted by an insured peril, such as fire or flood. Extensions can be purchased to cover losses arising from perils such as:
- Breach of Canal
- Damage in the vicinity of Premises or to Contract or Exhibition Sites
- Denial of Access to the vicinity of Premises
- Damage to Moulds, Patterns, Jigs, Dies, Tools, Plans, Designs, etc
- Loss or Damage to Property stored in locations other than own premises
- Loss or Damage to Property in Transit
- Damage to Premises of Suppliers or Customers
- Loss of Utilities
- Disease & Illness
- Just as it is essential to insure property on the correct basis to avoid insurers applying "Average" in the event of a claim, it is vital to ensure the correct level of Gross Profit is used to determine Business Interruption cover.
- The definition of Gross Profit in insurance terminology differs from that of accountancy. A business should always check with its provider as to the exact terms of their Business Interruption policy but the procedure below provides a general system that should fit most insurers' methodology:
- Obtain the income statement for the last full operating month and locate the net profit amount. Employers Liability Tracing Office
- Review each individual expense line item on the income statement to identify costs of operation that are not directly related to production, also referred to as "standing charges." For example, office rent is due whether the business is in operation or not, and the price does not fluctuate based on production, whereas some worker salaries (such as casual, seasonal labour) would cease when trading is interrupted. Employers Liability Tracing Office
- Add each standing expense identified in Step 2 to the net profit obtained in Step 1 to obtain gross profit, or the company's loss from lack of operations.
- Money: Provides insurance for cash, cheques etc whilst on premises, in transit or in bank night safes. Some policies will also provide extensions for money in directors' homes and at exhibition or contract sites. Policies will usually provide a Personal Accident extension that offers nominal sums in the event of Death or Disability arising from assault during attempted robbery or theft.
- Defective Title of Vessels: Reimburses the purchase price of a vessel bought or sold by a business in the event of the true owner of the vessel reclaiming it (or its value). It will also provide indemnity where a business has a valid claim brought against it as a result of being unable to provide good title for the vessel.
- Employers Liability: It is a statutory requirement for all businesses to carry Employers Liability Insurance where they employ people be it on a paid or voluntary basis. It indemnifies the business in respect of its liabilities arising from death, injury or illness to its employees
- Premium is based on the total annual wages of the business. Each occupation within a business' workforce will attract its own premium rating based on the perceived hazards associated with that particular occupation. A rigger, for example, will attract a higher premium rating than an employee engaged in light yard work.
- You should ensure you accurately declare your annual wageroll to insurers. Deliberately under-declaring could be construed as failing to disclose a material fact and may result in a claim being repudiated.
- Labour only sub-contractors should be treated as Employees as far as insurance is concerned. Generally they work under the direction of the Insured and do not provide their own materials or tools (with the exception of small hand tools). Cover would therefore be arranged for such individuals by the hiring business under the Employers Liability Section of their policy.
- There is a requirement that businesses must confirm their Employers Reference Number (ERN) or as it is commonly known Employers PAYE Reference to the insurer covering the Employers Liability which is recorded centrally with the Employers Liability Tracing Office (ELTO). This is to ensure that the correct insurer can be identified where claims are submitted by an individual, which can be years after their employment has ceased. It is not unusual, for example, for certain diseases or conditions such as respiratory disease, industrial deafness or repetitive strain injury to take many years to manifest.
- The ERN is the unique reference which attaches to a business and does not change which means that it will identify the correct employer and then the insurer for any given time period from 2011 onwards.
- Public Liability: Indemnifies your legal liabilities to third parties arising from your business activities that result in death or injury to any person or loss of or damage to property. The insurance only attaches to those activities disclosed to your insurer and noted on your schedule so it is essential that a full description of all your business activities is provided.
- Premium is based on the estimated annual turnover of the business. Each activity will attract its own premium rating based on the perceived hazards associated with that particular activity. Paint Spraying, for example, will attract a higher premium rating than Chandlery Sales.
- You should ensure you accurately declare your annual turnover. Deliberately under-declaring could be construed as failing to disclose a material fact and may result in a claim being repudiated.
- Exclusions and Extensions to Public Liability Insurance vary from insurer to insurer. For example, some policies will automatically provide Yachtyard Liability Insurance as a standard extension to their Public Liability cover. Others will charge an additional premium for Yachtyard Liability.
- Liability in respect of hiring-in of cranes is normally excluded on most Marine Trade policies unless specifically requested. The additional premium for this cover is based on your estimated annual hiring-in costs. Standard cover is usually £100,000 which may not be adequate to replace the crane you hire. Find out what your exposures are and get your cover topped-up if necessary.
- Yachtyard Liability: Protects your liabilities in respect of moving vessels on water for reasons such as testing, demonstration and deliveries. Like most policy sections, scope of cover will vary from insurer to insurer. For example, policies will restrict your permitted range, but distance you are permitted will vary greatly.
- Not all insurers provide this cover under the "Yachtyard Liability" heading. Some insurers will provide "General Liability" that will automatically encompass the Yachtyard Liability element of other policies.
- Products Liability: Insures your legal liabilities in respect of the products you manufacture and/or supply.
- Whether you are manufacturing or distributing (wholesale or retail), you need to make sure the products you supply are safe. Failing to meet your responsibilities can have serious consequences. You could face legal action with possible fines or even imprisonment. You could also be sued by anyone who has been injured or has suffered damage to personal property as a result of using your product.
- Products Efficacy Insurance: Designed to cover the failure of an item to perform its intended function Efficacy Insurance is often excluded from the Public & Products Liability Sections of Marine Trade policies. If your business is involved in the manufacture, supply or installation of performance critical products you need to check with your insurance provider to ensure you and your business have the right scope of Liability Insurance.
- Marine Risks: Non-Marine Commercial policies have virtually no insurance provision for vessels. They are specifically excluded, with the odd exception such as rowing boats. The Marine Section of a specialist Trader's policy is divide into 3 distinct parts:
- 1. Vessels: This part of the Marine Section will cover all vessels not undergoing construction and includes Stock Vessels, Work Boats, your Private Craft and Charter Vessels. It can also be extended to cover other types of Marine Stock such as engines and parts.
- Sums Insured for vessels are usually determined on an "Agreed Value" basis. This can be the price you paid for the vessel plus the cost of any improvements, or it can be a depreciated or written-down value.
- The cruising range of your vessels will be clearly defined in this Section of your policy. You should check to ensure that you and your hirers are actually insured to sail or cruise to your intended destinations. For example, an insurer may assume that, if you are based on the Thames, you are only on the non-tidal stretch and will endorse your policy for"Inland Waterways" use only.
- The are several extensions that can be purchased for this part of your policy such as:
- Social use of vessels by Directors, Employees, Family Members.
- Racing Risks (Sails, Masts, Spars & Rigging).
- Water Skiing, Towing of Toys.
- Angling and/or Diving Parties.
- Personal Possessions
- Exclusions in respect of vessels will vary from policy to policy. You should ask your provider to go over any exclusions with you in detail in case you require a special endorsement or extension.
- 2. Builders Risks: Whilst scope and definitions may differ from one insurer to another, Builders Risks insurance will usually cover your vessel at the yard or dock where it is being constructed, including the yard or premises of a subcontractor. It may also cover the vessel whilst in transit between your yard and your subcontractor's yard. Extensions can also be obtained to cover:
- Movement of the vessel on water around the dock where it is being built.
- Sea Trials
- Delivery voyages under own power
- If the vessel in build is being towed on the water a special extension is usually required to insure this activity.
- The premium for this Section is based on a combination of the maximum completion value of an in-build vessel and the maximum value of vessels in-build at any one time.
- 3. Marine Third Party Liability: This insurance is an extension of the Vessels Section and covers your legal liabilities in respect of your interest in or use of your vessels by your skipper and crew. The usual limit of indemnity provided is £3,000,000 but higher levels of cover can be purchased where required.
As detailed above, policy conditions and exclusions will vary from insurer to insurer. Even if you are purchasing your policy by telephone you should always ask your provider to go through them with you in addition to any warranties that will have been imposed. There are significant differences between each of these:
- Conditions: Policy conditions basically set out a code of conduct you're your business and also outline duties and obligations required for cover to be in effect. If policy conditions are not met, the insurer can deny a claim specific to that condition.
- Eg. A theft from a business premises is discovered and not reported to the insurer for a month. If there is a policy condition that all losses must be reported within 7 days, the insurer could refuse to pay the claim.
- Exclusions: An exclusion actually removes cover from the insurance policy.
- Eg. Boats are excluded from the Goods in Transit Section of a Marine Trades Policy unless an endorsement is put into effect.
- Warranties: A policy warranty is an instruction by the insurer that must be carried out by the insured. For example, the business may be warranted to work on vessels worth no more than £500,000. In such a case, if the business worked on a more valuable vessel then it would be in breach of warranty.
- The breach of a warranty by a business would enable an insurer to void the whole policy. In the above example, if the business owner suffered a theft of outboard engines, the insurer could void the policy on the grounds that the business had breached a warranty - even though that warranty was totally unrelated to the theft.
- As you can see, warranties can potentially have a huge impact on your business. You should ensure your insurance provider goes through each warranty with you and explains what it means. Insurers can impose a warranty for just about anything - some common examples are below (the list is by no means comprehensive):
- Compliance with Flammable Liquids & LPG Regulations.
- No paint or GRP Spraying.
- Automatic fire alarms to be tested weekly.
- Fire extinguishers to be professionally inspected annually.
- Fireproof doors to remain closed during working hours.
- All stock to be kept at least 15cm off floor
- Waste & dirty cloths to be kept in metal bins.
- Waste bins to be kept outside premises out of working hours.
- Intruder alarm to be set whenever premises is unoccupied.
- Electrical circuits to be inspected within 30 days of policy inception.
- Cash registers to be left empty & open when premises closed.
- Vehicles to be fitted with immobilisers and alarms.
- Premises to be inspected daily.
- No artificial heating to be used on premises.
- Machinery only to be running when premises is occupied.
- No flammable liquids to be kept on premises.
- Moorings to be lifted & inspected at least annually.
- Terms of trade to incorporate BMF Terms of Business.
- No work carried out on commercial vessels
- Trailers to be secured with a wheelclamp whilst unattended.
- Vessel not be let out for hire or reward.
- Vessel will not tow or be towed
- British Marine Federation (BMF) Terms of Business
- Most Marine Trade policies warrant that you operate under BMF Terms of Business. You do not have to be a member of the BMF to use their terms. The essential point from an insurance aspect is that you ensure all your customers insure their own boats. This is a crucial factor that defines the mechanics of how your Public Liability insurance works and how it differs from non-Marine commercial insurance policies.
- If you have a customer's boat, outboard etc in your custody or control and it is lost or damaged due to your negligence, your legal liabilities in respect of the property are covered under the Public Liability Section of your Marine Trade policy.
- This cover would not be provided on a non-Marine policy as legal liability in respect of goods in custody or control is specifically excluded. To insure these items you would have to procure specific insurance which, as leisurecraft and associated equipment are very expensive, would be financially prohibitive for a business to purchase.
Directors & Officers Liability Insurance (Management Protection)
Modern legislation now means company directors can now be sued as individuals in respect of their decisions and actions as directors or managers of businesses. The duties of company directors are established in law and include the following areas of responsibility:
- Duty of Care: Directors are required to act with 'the care an ordinary man would take in the same circumstances on his own behalf' and with the skill expected from someone with his 'particular knowledge and experience'. Where duties are delegated the Director is responsible for ensuring that the person to whom the duties are delegated is sufficiently experienced, reliable and honest.
- Fiduciary Duty: Directors must act honestly, in good faith and in the best interest of the company and must ensure they do not have any conflict of interest.
- Statutory Duty: Company directors are legally bound by legislation such as the Companies Act 1985, Insolvency Act 1986, Financial Services Act 1986, Environmental Protection Act 1990, Health and Safety at Work Act 1974.
Whilst public bodies such as the Health & Safety Executive can prosecute directors if they are perceived to have failed to comply with their statutory duties, claims could also arise from numerous third parties such as employees, creditors, customers or suppliers.
With the number of employees injured at work increasing by over 100,000 in 2010 and lawyers able to act on a "No-Win, No-Fee" basis, directors appear to be more exposed than ever.
What Are The Financial Implications of a Claim? Directors will be personally liable for meeting the cost of legal expenses as well as any damages awards, fines or penalties. This means assets such as their cars, houses, stocks and money could be lost. Companies are prohibited from indemnifying their directors in the event of their insolvency.
How Can Directors & Officers Liability Insurance Help?
Whilst a D&O policy will not cover any fines against directors it will cover the cost of defending a prosecution until the point when guilt is established. This could potentially save tens, if not hundreds, of thousands of pounds of an individual's assets in legal expenses. A D&O policy can also cover awards for damages and legal expenses made against directors in civil cases.
Professional Indemnity Insurance
If you give advice, conduct surveys or inspections for a fee, your legal liabilities in respect of these activities are excluded on your Marine Trade policy. A stand-alone Professional Indemnity policy will fill the gap in your insurance cover.
Tractor & "Special Types" Insurance
Tractors and other special type vehicles which are road-registered are excluded from standard public liability policies, as are many unregistered vehicles, if travelling on, or crossing, public highways. This may also apply to areas where the public have access such as ports, harbours and boatyards. Types of vehicles that fit into this class are: Tractors, Cranes, Fork Lifts, Cherrypickers, Boat Lifts and other self-propelled mobile plant.
Third Party insurance is compulsory and a failure to have this basic cover is considered one of the most serious offences. A substantial fine and disqualification are amongst the recommended penalties.
Driving uninsured (or allowing your employees to do so) is an absolute offence which means there is no discretionary defence available, ie the vehicle is either insured or it is not. If, for any reason it is not insured, the offence is committed.
Without insurance your business and your personal assets are at risk from potentially huge compensation claims being made against you
Comprehensive Road Risks insurance in for tractors and "Special Types" is available at very competitive rates from your specialist broker.
Summary
Modern businesses need modern insurance programmes. Cutting cover to cut costs is not the solution. Your 9-point step to getting the right cover for your business at the best available premium is:
1. Choose an independent specialist broker.
2. Ask them what they can offer you in terms of support in the event of a claim.
3. Ask them to visit you to look over your business.
4. Ensure you fully disclose all relevant information about your business
5. Accurately assess the value of your premises & property and the levels of your turnover, payroll and gross profit.
6. Request 3 quotations.
7. Ensure you have all conditions, exclusions, warranties explained to you verbally - a written summary is not sufficient.
8. If you think some of the exclusions or warranties are unreasonable then ask your broker to negotiate their removal.
9. Finally, negotiate the best premium you can get from your appointed broker.
Disclaimer: This article does not constitute specific advice or recommendation to any individual or business. Individuals and businesses should seek the advice of an appropriately authorised and regulated insurance broker or intermediary.
Author: Mark Elcocks. For more information visit: http://www.marineinsurance-ircm.co.uk/ Follow me on Twitter @Win4Marine and on Facebook at http://www.facebook.com/marineinsurances
Article Source:
http://EzineArticles.com/?expert=Mark_Elcocks
Tips for Managing the Cost of Commercial Truck Insurance
If your business owns and utilizes work vehicles, commercial
truck insurance is essential. Your policies and business practices can
impact the costs and types of coverage you may qualify for. By avoiding
some common mistakes and keeping the following advice in mind, you can
ensure that you'll get the best possible rate.
Common Mistakes that Increase the Cost of Commercial Truck Insurance
Driving for extended periods - When drivers are on the road for extended periods, it can be dangerous. Not only does it increase the risk of an accident, it can also increase your costs if it is reported. It is recommended that businesses receive permission to obtain a Motor Vehicle Report from any driver they may potentially hire. This report will indicate their driving safety record, including their time spent on the road. This will not only help you hire individuals who are more safety-conscious, it will also allow you to provide additional information to your insurance company that demonstrates the quality of your operations.
Not reporting new drivers - You should always report new drivers as soon as they are hired. If a new driver has an accident and is not listed on your policy, you could be denied coverage for the accident.
Insufficient or absent coverage workers' compensation - Your company and employees should have proper workers' compensation coverage. A workers' compensation policy should cover the medical costs for an employee who is injured on the job. Without this separate coverage, the employee can make a claim against the commercial truck insurance company for medical costs associated with a work-related automotive accident. In many cases, it is a legal requirement to have the additional workers' compensation policies in place.
Additional Measures You Can Take
Employee education - Regularly communicating with your employees about driver safety can demonstrate your willingness to ensure your drivers are taking the necessary precautions and operating their vehicles as safely as possible.
Documented processes for claims - Time is money, so having standard operating procedures in place makes your business more efficient. Work with your insurance company to make sure you have all the proper forms in place and that your employees know how to correctly complete them.
Verify all aspects of your coverage - Make sure you understand all the details of your coverage. Many carriers do not cover damage to unattended vehicles, or claims for stolen cargo. If you work with a carrier that specializes in commercial truck insurance, they can advise you of your options when applying for this coverage.
Every business is different. A business that utilizes 50 trucks per day has different requirements than a small business using only two work trucks that travel locally. Talk with an experienced commercial truck insurance company about your business operations and the coverage you need.
Common Mistakes that Increase the Cost of Commercial Truck Insurance
Driving for extended periods - When drivers are on the road for extended periods, it can be dangerous. Not only does it increase the risk of an accident, it can also increase your costs if it is reported. It is recommended that businesses receive permission to obtain a Motor Vehicle Report from any driver they may potentially hire. This report will indicate their driving safety record, including their time spent on the road. This will not only help you hire individuals who are more safety-conscious, it will also allow you to provide additional information to your insurance company that demonstrates the quality of your operations.
Not reporting new drivers - You should always report new drivers as soon as they are hired. If a new driver has an accident and is not listed on your policy, you could be denied coverage for the accident.
Insufficient or absent coverage workers' compensation - Your company and employees should have proper workers' compensation coverage. A workers' compensation policy should cover the medical costs for an employee who is injured on the job. Without this separate coverage, the employee can make a claim against the commercial truck insurance company for medical costs associated with a work-related automotive accident. In many cases, it is a legal requirement to have the additional workers' compensation policies in place.
Additional Measures You Can Take
Employee education - Regularly communicating with your employees about driver safety can demonstrate your willingness to ensure your drivers are taking the necessary precautions and operating their vehicles as safely as possible.
Documented processes for claims - Time is money, so having standard operating procedures in place makes your business more efficient. Work with your insurance company to make sure you have all the proper forms in place and that your employees know how to correctly complete them.
Verify all aspects of your coverage - Make sure you understand all the details of your coverage. Many carriers do not cover damage to unattended vehicles, or claims for stolen cargo. If you work with a carrier that specializes in commercial truck insurance, they can advise you of your options when applying for this coverage.
Every business is different. A business that utilizes 50 trucks per day has different requirements than a small business using only two work trucks that travel locally. Talk with an experienced commercial truck insurance company about your business operations and the coverage you need.
When considering commercial truck insurance, Arkansas truckers and trucking companies should consult http://www.americantruckinsurance.com/arkansas-coverages/.
Article Source:
http://EzineArticles.com/?expert=Aaliyah_Arthur
الجمعة، 1 مايو 2015
Understanding the Necessity of Acquiring Your Own Insurance Policy
Understanding Insurance Claims
An Insurance Plan can get us off our worries. May it be an Educational Plan, Health, Life, Auto, Accident or Retirement Insurance Plan. Living in a country where everything is fast-paced, having an Insurance Policy is a necessity. The absence of these much-needed Plans could cause you a lot of troubles. Imagine, what to do when someone in the family is sick? Paying your hospital bills could be worrisome and how would you send your children to school without an Educational Insurance?
Some people have different kinds of Insurance Plans to secure their life and that of their family. However, an insurance claim also provides negative feedbacks that discourages people from thinking of the necessity of acquiring an insurance Plan. Definitely, an Insurance Plan means benefits but somehow, claiming those benefits could be tedious and time-consuming. Insurance claims need not give us so much trouble if we just understand how Insurance companies work on our Insurance claims. So to fully understand issues and save us a lot of troubles claiming our insurance, let us take a look on this.
How to File Your 4 Important Insurance Claims
Filing your Auto Insurance Claim
1. Assess if the Claim is Worth the Trouble
Before filing for an auto insurance claim, decide if you want to file a claim or not. If you think you can afford to pay for the damage, no matter who is responsible for it, then try not to make any claim. What is important, according to a Personal Insurance Expert, you need to keep your Insurance Record clean.
2. Get the Accident Document
It is very important to document every detail of the accident and get witnesses to back up your story afterwards. A Police record on the scene is a relevant document you must have to support your claim.
3. File Claim Immediately
You don't need to lose time in filing your claim. Question as to who is responsible will be taken care of by your Insurance Company.
4. Expect a Call Anytime
Expect a call from the other driver's Insurance Company to interview you on your version of the incident. Make sure you document the conversation and don't forget to ask the agent's name.
5. Get Your Car Fixed
After your claim is approved, then you can have your car's body fixed in case of a damage. The Insurance Company will assess the damage or ask you to send your car to any car shop of their choice to get it fixed.
How to File Your Home Insurance Claim
In case of a disaster which left you and your family homeless, file your Home Insurance Claim. As you file your claim, be sure to have your Insurance Policy with you. In case you were not able to have your copy available after the disaster, at least know and remember your Insurance Company's name and contact numbers. It is not always relevant to remember only your agent's name for sometimes, he could represent various companies.
Prepare a Quick Household Inventory
It's always better to take a video of your whole household belongings every time you acquire a Home Insurance Plan. Keep a copy of this record and keep it in a safe-keeping vault outside of your house. It's always advisable to keep a bank deposit box for important documents like Insurance Policies, Property Title, etc.
Notify Your Insurance Company ASAP
It is important to notify your Insurance Company as soon as possible for the reason that you may have to avail of the Loss-of-Use Benefit in your policy if you have this feature. This could cover living expenses outside of your home while it is being repaired such as hotel bills, meals and other cost of living expenses. This will entitle you to receive immediate cash needed for your bills.
Start Filing Your Claim
You can't have your claim until you have everything properly documented. So, it would be hard for you to have a documented list of your household belongings if you don't have access to your damaged home. Only when you can gain access to your home once again could you properly document it. While you are waiting for the approval of the claim, you may make minor repairs but be sure to record every disbursement you make. Don't make any major repairs until your claim is approved.
How to Hire a Contractor for Insurance Claim
Find a reputable contractor to take care of your building or repair needs. A lot of contractors would always grab a chance like this to take advantage of your anxiety. They can always stretch your budget beyond the level of reasoning.
How to File a Life Insurance Claim
Filing for an Insurance Claim after the death of a loved is not really easy. However, it is at this point in life when you have to be practical. You need money more than anything to pay off the funeral cost, bills and even the family needs. It is hard to be left alone and face all these problems but you have to be thankful if the deceased love one had prepared you for times like this. As a survivor, we sometimes worry about things like these but a Life Insurance Plan is designed to give us less worries and ensures the deceased family that we won't have to deal with the financial problem as we grieved over the loss of a loved one.
Find the Life Insurance Policy
The Policy is an important document granted to the Policy Holder. This is badly needed when filing for an Insurance claim. Be sure to look for it if the deceased party had failed to inform you where he had kept it. You may keep in mind that this is a very important document, so the keeper might have kept it in a place not easily seen or recognizable. You may look in a plastic container or any sealed container large enough to contain it. It could also be kept in a small drawer of a cabinet in your head board or lamp stand cabinet.
If you can't find the Insurance Policy but you are sure that the decease is an Insurance Policy Holder, you may write to the American Council of Life Insurance (ACLI).For a small amount, the ACLI will conduct a search to find the Policy. The address is 101 Pennsylvania Avenue, NW, Washington, DC 20004-2500. Don't forget to include a self-addressed, business-sized envelope.
Contact the Company's Number Listed in the Policy
Try to contact immediately the contact number or numbers listed in the document. If you personally know the authorized representative or agent, you may as well contact him directly and tell him that you want to file a claim. The company's agent will always be ready to assist you in your filing. He will be providing you with forms needed for the application. Wait for any instruction that the Insurance Company will provide you.
Fill-up the Necessary Forms and Submit Requirements
After receiving the necessary form needed for application in filing for the Insurance claim, fill it up with all the needed information. Provide also the other requirements needed upon submission. The Death Certificate is the very basic of all requirements you may need to provide together with your Application Form. Decide How you want to Receive the Proceeds from the Life Policy. You may choose to receive the proceeds in lump sum, or opt to receive it in a form of monthly pension or simply leave the money in deposit for it to earn interest and dividends.
Wait for the Release of the Funds
Expect that your fund's approval for the claim will take more than a month to process as the Insurance Company still have to validate information relative to your application.
How to File Health for Medical Claims
If you have to pay for your medical bills, then you have to file for your Health Insurance Claim. Here are some helpful tips in making your claim:
Keep an Itemized Report
Be sure to obtain all receipts and necessary statement of accounts issued by the doctor or pharmacist. Summarize it, so it could be easily understood by the Insurance Evaluator. Attach it to your Application Form.
Fill-Up Your Claim Application Form
Contact your Health Insurance Company as soon as possible. You may get your Application Form directly from them after declaring your desire to file for a Health Insurance Claim. The Application Form is easy to fill-up but someone from the Insurance Company is sure to assist you if there are some items in the Application Form that you don't understand.
Scan or Duplicate a Copy
After filling up your form and submitting to the Health Insurance Company, be sure to scan it or have your duplicate copy to keep. This will keep you from inconvenience in case of loss or error in filing. You can easily file it again when needed. Review Before Submission. File your claim as soon as possible. Ask for assistance or inquire for any additional instruction or requirements. Ask how long it will take you to wait for the result and be sure to make a note of it in your calendar. If they failed to contact you on the given date, be sure to contact your Health Insurance Agent immediately.
An Insurance Plan can get us off our worries. May it be an Educational Plan, Health, Life, Auto, Accident or Retirement Insurance Plan. Living in a country where everything is fast-paced, having an Insurance Policy is a necessity. The absence of these much-needed Plans could cause you a lot of troubles. Imagine, what to do when someone in the family is sick? Paying your hospital bills could be worrisome and how would you send your children to school without an Educational Insurance?
Some people have different kinds of Insurance Plans to secure their life and that of their family. However, an insurance claim also provides negative feedbacks that discourages people from thinking of the necessity of acquiring an insurance Plan. Definitely, an Insurance Plan means benefits but somehow, claiming those benefits could be tedious and time-consuming. Insurance claims need not give us so much trouble if we just understand how Insurance companies work on our Insurance claims. So to fully understand issues and save us a lot of troubles claiming our insurance, let us take a look on this.
How to File Your 4 Important Insurance Claims
Filing your Auto Insurance Claim
1. Assess if the Claim is Worth the Trouble
Before filing for an auto insurance claim, decide if you want to file a claim or not. If you think you can afford to pay for the damage, no matter who is responsible for it, then try not to make any claim. What is important, according to a Personal Insurance Expert, you need to keep your Insurance Record clean.
2. Get the Accident Document
It is very important to document every detail of the accident and get witnesses to back up your story afterwards. A Police record on the scene is a relevant document you must have to support your claim.
3. File Claim Immediately
You don't need to lose time in filing your claim. Question as to who is responsible will be taken care of by your Insurance Company.
4. Expect a Call Anytime
Expect a call from the other driver's Insurance Company to interview you on your version of the incident. Make sure you document the conversation and don't forget to ask the agent's name.
5. Get Your Car Fixed
After your claim is approved, then you can have your car's body fixed in case of a damage. The Insurance Company will assess the damage or ask you to send your car to any car shop of their choice to get it fixed.
How to File Your Home Insurance Claim
In case of a disaster which left you and your family homeless, file your Home Insurance Claim. As you file your claim, be sure to have your Insurance Policy with you. In case you were not able to have your copy available after the disaster, at least know and remember your Insurance Company's name and contact numbers. It is not always relevant to remember only your agent's name for sometimes, he could represent various companies.
Prepare a Quick Household Inventory
It's always better to take a video of your whole household belongings every time you acquire a Home Insurance Plan. Keep a copy of this record and keep it in a safe-keeping vault outside of your house. It's always advisable to keep a bank deposit box for important documents like Insurance Policies, Property Title, etc.
Notify Your Insurance Company ASAP
It is important to notify your Insurance Company as soon as possible for the reason that you may have to avail of the Loss-of-Use Benefit in your policy if you have this feature. This could cover living expenses outside of your home while it is being repaired such as hotel bills, meals and other cost of living expenses. This will entitle you to receive immediate cash needed for your bills.
Start Filing Your Claim
You can't have your claim until you have everything properly documented. So, it would be hard for you to have a documented list of your household belongings if you don't have access to your damaged home. Only when you can gain access to your home once again could you properly document it. While you are waiting for the approval of the claim, you may make minor repairs but be sure to record every disbursement you make. Don't make any major repairs until your claim is approved.
How to Hire a Contractor for Insurance Claim
Find a reputable contractor to take care of your building or repair needs. A lot of contractors would always grab a chance like this to take advantage of your anxiety. They can always stretch your budget beyond the level of reasoning.
How to File a Life Insurance Claim
Filing for an Insurance Claim after the death of a loved is not really easy. However, it is at this point in life when you have to be practical. You need money more than anything to pay off the funeral cost, bills and even the family needs. It is hard to be left alone and face all these problems but you have to be thankful if the deceased love one had prepared you for times like this. As a survivor, we sometimes worry about things like these but a Life Insurance Plan is designed to give us less worries and ensures the deceased family that we won't have to deal with the financial problem as we grieved over the loss of a loved one.
Find the Life Insurance Policy
The Policy is an important document granted to the Policy Holder. This is badly needed when filing for an Insurance claim. Be sure to look for it if the deceased party had failed to inform you where he had kept it. You may keep in mind that this is a very important document, so the keeper might have kept it in a place not easily seen or recognizable. You may look in a plastic container or any sealed container large enough to contain it. It could also be kept in a small drawer of a cabinet in your head board or lamp stand cabinet.
If you can't find the Insurance Policy but you are sure that the decease is an Insurance Policy Holder, you may write to the American Council of Life Insurance (ACLI).For a small amount, the ACLI will conduct a search to find the Policy. The address is 101 Pennsylvania Avenue, NW, Washington, DC 20004-2500. Don't forget to include a self-addressed, business-sized envelope.
Contact the Company's Number Listed in the Policy
Try to contact immediately the contact number or numbers listed in the document. If you personally know the authorized representative or agent, you may as well contact him directly and tell him that you want to file a claim. The company's agent will always be ready to assist you in your filing. He will be providing you with forms needed for the application. Wait for any instruction that the Insurance Company will provide you.
Fill-up the Necessary Forms and Submit Requirements
After receiving the necessary form needed for application in filing for the Insurance claim, fill it up with all the needed information. Provide also the other requirements needed upon submission. The Death Certificate is the very basic of all requirements you may need to provide together with your Application Form. Decide How you want to Receive the Proceeds from the Life Policy. You may choose to receive the proceeds in lump sum, or opt to receive it in a form of monthly pension or simply leave the money in deposit for it to earn interest and dividends.
Wait for the Release of the Funds
Expect that your fund's approval for the claim will take more than a month to process as the Insurance Company still have to validate information relative to your application.
How to File Health for Medical Claims
If you have to pay for your medical bills, then you have to file for your Health Insurance Claim. Here are some helpful tips in making your claim:
Keep an Itemized Report
Be sure to obtain all receipts and necessary statement of accounts issued by the doctor or pharmacist. Summarize it, so it could be easily understood by the Insurance Evaluator. Attach it to your Application Form.
Fill-Up Your Claim Application Form
Contact your Health Insurance Company as soon as possible. You may get your Application Form directly from them after declaring your desire to file for a Health Insurance Claim. The Application Form is easy to fill-up but someone from the Insurance Company is sure to assist you if there are some items in the Application Form that you don't understand.
Scan or Duplicate a Copy
After filling up your form and submitting to the Health Insurance Company, be sure to scan it or have your duplicate copy to keep. This will keep you from inconvenience in case of loss or error in filing. You can easily file it again when needed. Review Before Submission. File your claim as soon as possible. Ask for assistance or inquire for any additional instruction or requirements. Ask how long it will take you to wait for the result and be sure to make a note of it in your calendar. If they failed to contact you on the given date, be sure to contact your Health Insurance Agent immediately.
Filing for an insurance claim can be tedious but in today's world
where everything is fast-paced, having an Insurance Policy is becoming a
necessity. Here is your guide on how to file your Insurance claim with
lesser time, effort and troubles.
Article Source:
http://EzineArticles.com/?expert=Helen_T_Dellomes
Are You Self Employed?
Running your own business can be a rewarding experience.
You can make your own decisions, avoid the daily commute and choose to work only with those people with whom you feel compatible.
That is not to say that it is all plain sailing. You may have to deal with unhappy clients or customers, there will always be one or two that don't pay your invoices and you also bear the costs of both buying, maintaining and replacing equipment.
There are several types of insurance that can take some of the potential worry out of being your own boss, depending on the nature of your business and its location.
If you are providing services primarily from an office, are you working from home? Do you have customers or clients coming to see you?
If you are working from home and do have visiting clients, you may have to consider taking out some form of public liability insurance since you might be liable to a claim if they suffer an accident or injury while on your premises.
While you may do your utmost to provide the best service possible for your clients, problems can occasionally arise where a client is dissatisfied with the work. Professional Indemnity insurance is offers professionals with the protection they need against liability as a result of such claims.
Whatever the type of business it is likely that you will have to provide your own equipment to do the job. This can be anything from IT equipment to the tools of a trade. Setting up with the right gear can be costly and if anything is either damaged or stolen the consequences if you are self employed can be considerable if it means you are unable to continue earning a living.
It is particularly important to those whose business means they have to visit customers' premises to carry out work, meaning they will have to have a van and carry their equipment and tools with them.
In some cases loss of or damage to essential equipment can be added to a professional indemnity policy but it may be that the limit on the value of what is covered means that it would be better to take out separate cover for expensive tools and equipment, as well as van cover.
Specialised professional insurance for anyone who is running their own business can take away a lot of the worry and uncertainty that comes with the territory.
City insurance the world class insurance services provider Company. Get Business insurance services in a second.
Article Source: http://EzineArticles.com/?expert=Bruce_Thomsan
Article Source: http://EzineArticles.com/8969861
4 Pillars of Protection - Products To Consider In Your 4 Pillars of Protection Insurance Portfolio
With a wide range of insurance products available today it is important to understand the differences and benefits to you and your specific situation. A basic portfolio for any person but more specifically for a self-employed person should encompass the 4 following aspects.
Disability
By far one of the most important products for anyone, specifically self-employed people is disability insurance. We all work to handle our weekly and monthly expenses in addition to providing the "little extras" if we have anything left over. Employees of a company for the most part will have benefits provided to them however, being self-employed our livelihood depends on our ability to go to work and earn an income. In the event your ability to work is suddenly removed, disability insurance could be the key to your survival. Your income is the fuel for everything. Remove that and over time all else will fall apart.
Life Insurance
Life insurance has so many uses that it could essentially apply to everyone. However, the general consensus of life insurance is that it is suitable only for people with a family. This couldn't be further from the truth. Life insurance can be used to protect a debt over a period of time, provide for your survivors after final expenses, or give to a charity upon your death. For people who would like the idea of having a benefit as well as a savings or investment vehicle, life insurance could also be an option for you. Life insurance must be carefully evaluated to ensure that it is structured properly based on your specific situation.
Critical Illness
In my experience I have seen this product misunderstood the most. The important thing to understand about CI is that it will pay a lump sum benefit in the event you're diagnosed with a "specific" covered illness. Most CI products will protect against heart attack, cancer, and stroke however, each policy will differ between companies for other covered illnesses beyond these. Do not make the mistake like most do in thinking that this operates like disability insurance. Yes, they are both living benefits but they provide protection in varying ways.
Investments
Within financial circles it is encouraged to have a minimum of 6 months of disposable "liquid" income saved. For most people this is a tremendous feat and some people often throw their hands up in the air and forfeit the idea that they too can have investments. Life insurance can be designed in such a way that not only do you have protection but also an accumulating asset. Outside of life insurance there are many ways to protect and grow your money. The concern for most people is having a large sum of money lying around to be able to invest.
If having a large starting capital is a concern of yours like it was for me, then I welcome you to consider an alternative to the "traditional investments and savings plan".
If you want to learn about one of the greatest financial instruments on our planet today which can be an alternative to the "traditional investment and savings plan" click here.
Ryan Forrester is a licensed professional in the financial industry, and has participated in the direct-marketing and sales industries since 2001.
Article Source: http://EzineArticles.com/?expert=Ryan_D._Forrester
Article Source: http://EzineArticles.com/8972507
Why Do I Need an Appraisal on My Taxidermy Mounts?
The phone rings and the first question is "why do I need an appraisal for my taxidermy mounts"? Answering this question is easy, do you realize what you have invested in your trophies? Do you know the current replacement value of each taxidermy mount? Most hunters have never stopped to actually think about the investment that they have in all their taxidermy mounts. Also they don't have a list or pictures of each mount.
It is very important to have all your mounts cataloged and multiple photographs of every trophy mount available incase of a disaster. Keeping an electronic copy in the cloud or burnt on a CD in multiple places is and excellent idea. You could also have a bound copy or two at different locations, copies can be printed and bound at most office supply stores.
I would highly suggest getting a certified personal property appraiser to do this all for you, they will provide you an insurance appraisal. This report should include three photographs of every taxidermy mount along with the current replacement values for each trophy. The appraiser should deliver to you at least one printed and bound report and a PDF copy of this report. I would suggest burning the PDF on a number of CDs and file them away at other locations then where your trophies are located.
So the answer to why you need an insurance appraisal for your taxidermy mounts is because you don't have one and the information is vital to have available. Getting an appraisal is a small investment to cover your large investment. Your appraiser is required to keep on file your information for 5 years, this is another place where there will be a copy of your investment in your taxidermy mounts.
You can search taxidermy appraiser and find a qualified person on the internet, feel free to call them and ask questions.
Article Source: http://EzineArticles.com/?expert=Forrest_Ketner
Article Source: http://EzineArticles.com/9016067
Look Beyond Traditional Ways to Take Care of Your Newborn Baby
A newborn baby brings bundles of joy and happiness in the family. When a baby is born, it is said that the parents are blessed with the baby. This statement in itself is sufficient to explain the importance of a newborn in the family.
It is the prime responsibility of parents to take care of the newborn in the best possible manner. There are times, when a baby requires to go through some immediate medical care in order to adjust as per the world. Sometimes, babies are born with some birth related issues and thus, require treatment.
In India, a large number of people get health plans so that their health care needs are met. If you are working in private sector, then your company may have taken a group insurance policy under which maternity is covered comprehensively.
But, most of the times, medical insurance including the group insurance policies do not cover a newborn baby. The reasons are quite apparent. There are lot of possibilities that a newborn requires medical treatment immediately after birth and thus insurance companies do not want to spend their revenues on such well-recognised possibilities.
Is there any way out? Yes, of course, if your employer's group health insurance policy does not cover newborn baby, do not worry. There are some specific health plans, which cover newborn babies right from the birth.
In order to avail this facility, you have to buy a separate policy. Star Comprehensive Insurance, for instance, is one such policy which covers delivery related complications as well as the newborn baby.
The plan covers delivery whether it is normal or caesarean plus all the pre-natal and post-natal expenses are also covered up to a certain limit. This limit is ascertained as per the amount of premium you pay.
The plan also covers vaccination of the child. Yes, only a handful of plans cover vaccination because that is a sure shot expenditure one must incur.
The only thing which you have to take care is that you have to be the policy holder for at least thirty six months prior to taking the above benefits.
Religare also offers a health insurance plan called 'Joy', which covers maternity as well as newborn baby without any condition on a specific period.
If you have any other Medical plan, then you must check its conditions. Most of the times, policies provide coverage to newborn babies after 90 days of delivery. This way, a health insurance companies saves itself from settling claims arising out of health care for the newborn baby.
Comparing health insurance plans is a cake walk, today. Just visit a credible insurance comparison portal and shortlist the best-possible plans. The best part is that you can buy your insurance plans online and make payment through credit card. This provides you benefits of cash back and credit period offered by credit cards.
Plus, you become eligible for better coverage and facilities since your health insurance company does not have to pay hefty commission to an insurance agent. This benefit is passed on to you, in many ways.
So, what are you waiting for? If you are expecting a baby in your family, go for a health insurance plan and bury the worry!
http://www.PolicyX.com is an IRDA approved insurance comparison portal [Policyx.com] helping consumers compare, choose and buy policies online. We provide health, motor, life, travel & corporate insurances from a wide range of insurers.
Article Source: http://EzineArticles.com/?expert=Naval_K_Goel
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