UK INSURANCE DIRECTORY

Corporate Insurance Companies & Broker Agencies

2009-02-17T07:43:00.000-08:00

Corporate Insurance Solutions is an Independent Insurance Brokers for over 15 years.

Their portfolio of clients includes a diverse range of commercial clients, including many “hard to Place” insurance risks.

They also have specific experience in arranging bespoke insurance covers for High Risk Occupations and the Entertainments Industry amongst many others.

www.bridgeinsurance.co.uk

www.bainbridgecollins.co.uk

www.perkins-slade.com

www.dlapiper.com

www.c-i-p.co.uk

www.heartlandgroup.co.uk

www.theovalgroup.com

www.aceeuropeangroup.com

www.hiscox.co.uk

www.morethanbusiness.com

www.simplybusiness.co.uk

www.mcmgroup.co.uk

www.cornhilldirectbusiness.co.uk

www.directlineforbusiness.co.uk

www.acorninsure.com

www.insurance2day.co.uk

www.clydeco.com

www.barclay.co.uk

www.wallworkjensen.com

www.emeraldinsight.com

www.insurancespecialists.co.uk

www.blg.co.uk

www.griffithsandarmour.com

www.insurance-partnership.com

www.ingentaconnect.com

www.ciafl.net

www.stackhouse.co.uk

www.insurance.asiapacific.hsbc.com

www.bellwoodprestbury.com

www.cliffordchance.com

www.jltgroup.com

www.layton-blackham.co.uk

www.lg-legal.com

www.lovell.com

www.linexlegal.com

www.oconnorsllp.co.uk

www.rmib.co.uk

www.caunceohara.co.uk

www.ruthledge.com

www.stuartalexander.co.uk

www.bjpinsure.com

www.taylorwessing.com

www.firstassure.co.uk

www.realinsurance.net

www.cibinsure.co.uk

www.portstrategy.com

www.william-russell.com

www.insurancenow.co.uk

www.knighthoodcorporate.com

www.littlejohnfrazer.com

www.indeed.co.uk

www.corporate-claims.com

www.allianceweb.co.uk

www.heartlandgroup.co.uk

www.simpsondrew.com

www.hamiltonrobertson.co.uk

www.lloydbolam.co.uk

www.dickins.co.uk

www.mackaycorporate-brokers.com

www.cambridgenetwork.co.uk

www.paveygroup.co.uk

www.totallylegal.com

www.lancashiregroup.com

www.fci.fortis.com

www.policeoracle.com

www.alanboswell.com

www.rtwilliams.org.uk

www.benfieldgroup.com

www.srfm.co.uk

www.thedavisgroup.co.uk

www.reidsottross.co.uk

www.businessmagnet.co.uk

www.phillipdavies.co.uk

www.croninandco.co.uk

www.larkinsurance.co.uk

www.phpl.co.uk

www.flintinsurance.co.uk

www.berkeleyconsultants.co.uk

www.manchesterhasit.co.uk

www.needcommercialinsurance.co.uk

Childcare Insurance Companies and Agencies

2009-02-14T09:31:00.001-08:00

Morton Michel is the UK’s leading childcare insurance specialist. We currently arrange cover for over 10,000 nurseries and preschools, 17,000 childminders and nannies, 6,000 out of school clubs and numerous other social and voluntary groups.

We arrange comprehensive cover for:

Nurseries
Preschools
Childminders and Nannies
Out of School Clubs
Children’s Soft Play Centres
Holiday Play Schemes
Parent and Toddler Groups
Mobile Crèches
Toy Libraries

Other UK Childcare Insurance Companies and Agencies:

www.easyaupair.com

www.sinclairpremium.com

www.morganinsurance.com

www.mamashealth.com

www.soscn.org

www.thechildcaresolution.com

www.nationwide.com

www.childcareinsuranceservices.com

www.mortonmichelinsurance.co.uk

www.williamtaylor.org.uk

www.klf-insurance.com

www.spyfu.com

www.poundgates.com

www.waldorfinsurance.com

www.northerncounties.com

www.blockinsurance.net

Partial List of Continental Connection Flight 3704 Tragedy

2009-02-14T07:01:00.000-08:00

Former Amherst resident Beverly Eckert, the widow of Sean Rooney, who was killed in the Sept. 11 terrorist attacks. Eckert was traveling to Buffalo for a family celebration of what would have been her husband's 58th birthday.

Pilot, Capt. Marvin Dean Renslow, 47, of Lutz, Fla. Records show Renslow, an Iowa native, was a small-business owner in Florida before joining Colgan Air in September 2005.

First flight officer Rebecca Lynne Shaw, 24, of Maple Valley, Washington, had joined Colgan Air in January 2008 and had flown 2,244 hours with Colgan. Records show she was certified as a flight instructor.

Flight attendant Matilda Quintero, 57, of Woodbridge, N.J., had been a flight attendant for just a year, and was hired by Colgan Air in May 2008.

Flight attendant Donna Prisco.

Capt. Joseph Zuffoletto, 27, an off-duty crew member from Jamestown. He joined Colgan Air in 2005 and was recently promoted to captain. He rented an apartment with two friends in Jamestown, where Colgan stationed him. Born in Rochester, he was raised in California. He has a grandmother in Cheektowaga.

Alison Des Forges, 66, who once taught at the University at Buffalo, historian and human rights activist who documented the 1994 genocide in Rwanda.

Ellyce Kausner, 24, a graduate of Clarence High School and Canisius College, who was a second-year student at Florida Coastal School of Law in Jacksonville, Fla. She was traveling home to visit her family and boyfriend before final exams.

Madeline Loftus, 24, a former Buffalo State College student who lives in New Jersey. She was on her way to reunite with 14 other alumni of Buffalo State's women's ice hockey team for a game Saturday. Loftus played for the school team from 2002 to 2004.

Jerome Krasuski, 53, was returning home to Cheektowaga with three other colleagues from Northrop Grumman from a one-day business trip. The former North Tonawanda resident worked as a program manager for the Williamsville defense contractor for more than 20 years. Krasuski's three Northrop Grumman colleagues also died in the crash.

Susan Wehle, 55, cantor at Temple Beth Am, Amherst, was returning home from a vacation in Costa Rica. The daughter of Holocaust survivors, Wehle was a cantorial soloist at Temple Sinai in Amherst for nearly 10 years before joining Temple Beth Am in 2002. She has two sons, Jonah and Jake.

Don McDonald, 48, of Fort Erie, Ont., was a technical manager at Pharmetics, Inc. in Fort Erie for 26 years. "Don was returning from New Jersey where he was reviewing some packaging equipment that the company was planning to buy," said Peter Lucyshyn, vice-president of quality operations.

Zhaofang Guo, 55, of Amherst, a Ford employee and husband of Ping Wang, a researcher at Roswell Park Cancer Institute.

Rochester native Gerry Niewood, 64, and jazz guitarist Coleman Mellett, 34, of East Brunswick, N.J., both musicians with the Chuck Mangione Band, were scheduled to perform tonight at Kleinhans Music Hall. Niewood played saxophone and flute. He played frequently at the original Tralfamador Cafe in the 1970s, and returned frequently to play Buffalo venues.

Mary "Belle" Pettys, 50, of West Seneca, was returning to Buffalo area from a business trip to New Jersey. Pettys had spent 25 years working for BlueCross BlueShield of Western New York and since 2006 had been employed by TriZetto, a healthcare company. She got engaged last December on her birthday, and was to be married this June.

David M. Borner, 49, of Pendleton, who worked for Kraft Foods, was returning from a business trip in New Jersey. He had planned to leave for a Florida cruise with his family this morning. He has one child in Starpoint High School and another in Starpoint Middle School.

Lorin Maurer, 30, of Princeton, N.J. worked for Princeton University's Office of Development Priorities. She was traveling to Buffalo for the first time to attend the wedding of Keith Kuwik, brother of her boyfriend, Kevin Kuwik. Both are sons of former Erie County Legislator Edward J. Kuwik of Lackawanna.

Jean Srnecz, 59, senior vice-president of merchandising for book distributer Baker & Taylor, was traveling to the Buffalo area to visit family. She was a gradulate of D'Youville College.

Douglas C. Wielinski, 61, an engineer and veteran, was believed to be in the dining room of the family's Clarence Center home when the airplane crashed into the house. Wielinski's wife, Karen, was able to escape by crawling out of the family room in the rear of the house. His daughter, Jill, was blown out of the house, officials said.

Clay Yarber, 62, of Riverside, Calif., was originally from Dayton, Ohio, and became a musician after serving in the Vietnam War, according to his ex-wife. He was headed to Buffalo to spend time with a friend.

Kevin Johnston, an employee at the Henkel Corp. facility in Buffalo. The plant was closed today in Johnston's honor.

John G. Roberts III, 48, a Lewiston native who lived in India, was returning home to visit his family. He had been active in St. Joseph's Roman Catholic Church in Niagara Falls when he had resided in the area.

Ronald Gonzalez, 44, director of a youth services program in New Brunswick, N.J., was flying into Buffalo to visit relatives. He previously was executive director of Alianza Latina, a nonprofit organization addressing HIV/AIDS in Buffalo.

Bethany Kushner, 19, of Angola, was returning home after spending a few weeks in California. She was a 2007 graduate of Eden Junior-Senior High School. She attended Keuka College for a year, and planned to complete her studies at Buffalo State College.

Nicole Korczykowski, whose parents live in Eden, worked for a New York City-area investment firm. After attending Nichols School, she graduated in 2001 from the University at Pennsylvania's Wharton School of Business.

Other media are reporting that the following people were passengers on the flight:

Dawn Mossop and Donald Mossop of Bloomfield, N.J., and their child, Shawn Mossop, 12.

Ferris Reid of Bloomfield, N.J., sister of Dawn Mossop

Brad Green of East Amherst, N.Y.

9/11 Widow and Active Advocator Died in Plane Crash

2009-02-14T06:10:00.000-08:00

Beverly Eckert, widow of a 9/11 victim was among 50 people who died when a Continental Connection commuter aircraft crashed in a suburban village uptown hill of New York State, killing all passengers onboard and one person on the ground.

Ms Eckert is one of the active advocators of Peaceful Tomorrows, Voice of Sept11 groups who also lead other 9/11 families whose lives was changed after the September 11 tragedy. Last week she met President Obama at the White House on a brief discussion meeting along with the rest of 9/11 families.

Right after President Obama knew that Ms Eckert was one of the passengers of that plane, He single-mentioned her name and said “Tragic events such as these remind us of the fragility of life, and the value of every single day. One person who understands that well was Beverly Eckert who was on that flight whom I met just a few days ago...Beverly lost her husband on 9/11, and became a tireless advocate for those families whose lives were forever changed on that September day. She was an inspiration to me and to so many others, and I pray that her family finds peace and comfort in the hard days ahead”.

Ms Eckert took the Continental Connection Flight 3407 from Newark, New Jersey, When it went down at 10:20pm eastern time on Thursday while preparing to land at Buffalo-Niagara Airport state of New York. She’s heading to Buffalo celebrate and commemorates her husband’s 58^th birthday and to establish a scholarship in his name at the high school where they met.

President Obama’s statement was a clear insight that I hope he deeply understood, about the importance and the value of life for each American and for the rest of the people of all nations, the fragility of time to meet the result, the action needed and the expectation of his capacity to lead the American people. Beverly Eckert showed and left the meaning of the passion of commitment, tirelessly looking for justice and peace of those who died in 9/11.

It is a clear message not just for President Obama but for all of us who value the life we hold each day that at any moment without notice or warning, with an instant tragic event like this, we don’t hold anything but to leave the legacy of precious time. To do what is right and live the life as it last.

Our sympathy to the families of those 50 people who died.

Insurers ‘confused by BER’

2009-02-09T14:02:00.000-08:00

Some insurers are confused by European guidelines on competition law, according to a European Commission representative speaking in London.

Eithne McCarthy, a project leader at the European Commission’s competition directorate, said insurers needed to be sure that their practices were in compliance with competition rules and current Block Exemption Rules (BER) for insurance.

Continue read HERE

Howden hires former HSBC Insurance boss

2009-02-08T11:05:00.000-08:00

Lloyd's broker Howden has confirmed that Patrick Gilham will be joining the business in early May as a member of the senior leadership team.

Gilham was formerly managing director of the financial institutions practice at HSBC Insurance Brokers.

Continue read this news HERE

Cargo Insurance Companies and Agencies

2009-02-03T08:35:00.000-08:00

www.insurecargo.com

www.uk-insurance-index.co.uk

www.FreightInsurance.com

www.Marine-Insurance-UK.net

www.swinglehurst.co.uk

www.quotecargoinsure.co.uk

www.GoodsInTransitDirect.co.uk

www.bjpinsure.com

www.truckquote.co.uk

www.theHGVbroker.co.uk

www.gocargoinsurance.com

www.cargoinsuranceservices.co.uk

www.hsbc.co.uk

www.greenwoods.org

www.insuremycargo.co.uk

www.bellwoodprestbury.com

www.businesswest.co.uk

www.insurancespecialists.co.uk

www.fp-marine.com

www.pafinsurance.com

www.noblemarine.co.uk

www.freightcover.com

www.towergateunderwriting.co.uk

www.tsbic.com

www.eGoodsinTransitQuote.co.uk

www.theHGVbroker.co.uk

www.aciscargoinsurance.com

www.colemaninsurance.co.uk

www.insurance2day.co.uk

www.aceeurope.co.uk

www.hilldickinson.com

www.moveme.co.uk

www.gocargoinsurance.com

www.cargosecurityinternational.com

www.cheersinsurance.co.uk

www.idnewscentre.com

www.aig.com/Cargo-Insurance

www.dhl.co.uk

www.c-i-p.co.uk

www.colemaninsurance.co.uk

www.coracleonline.com

www.zurich.co.uk

www.cglloyds.co.uk

www.ascotuw.com

www.lloydsmaritimeacademy.com

www.velosinsurance.co.uk

www.bbicover.com

www.genesis-forwarding.com

www.caunceohara.co.uk

www.stuartalexander.co.uk

www.qbeeurope.com

www.marine-insurance-uk.net

www.transpacificinsurance.com

www.genoainsurance.com

www.the-insurance-broker.com

www.cobrainsurance.co.uk

www.towergateriskline.co.uk

www.insurancebrokers.hsbc.com

Arc and Axa in landlords tie-up

2009-01-29T06:16:00.000-08:00

Arc Legal Assistance has launched a tenant referencing and legal expenses package with AXA that provides landlords with direct access to information on tenants before entering into agreements.

In an exclusive contract with financial risk analysts, Experian, Arc enables landlords insured by AXA to run credit and other financial checks on residential tenants using Experian’s ‘Check My Tenant’ tool – one of the most advanced and comprehensive tenant verification services available, a service previously only available for letting agents - and for commercial tenants, the ‘Busibody’ business credit checking tool.

Continue reading this story HERE

Caravan Insurance Companies & Agencies

2009-01-28T05:23:00.000-08:00

Some of the few caravan insurance companies and agencies with link based service I personally index and filtered. Most of this links offered instant quote for suitable rates. Individual directory review for each one of this link will be made soon.

www.InsureMyCaravan.co.uk

www.ParkHomeInsurance.com

www.caravanclub.co.uk

www.safeguarduk.co.uk

www.compare-caravan-insurance.co.uk

www.tourerselect.co.uk

www.sureterm.com/great-deal-caravan

www.motoran

dhomedirect.co.uk/caravan

www.lifesure.co.uk/caravan

www.adrianflux.co.uk

www.OneQuoteDirect.co.uk

www.caravanwise.co.uk

www.caravanguard.co.uk

www.caravanquoter.co.uk

www.ukcaravaninsurance.com

www.quotelinedirect.co.uk

www.InsuranceForCaravans.co.uk

www.caravanguard.co.uk

www.4siteinsurance.co.uk

www.sheffnet.net

www.nfumutual.co.uk

www.sitenumberone.org.uk

www.sureterm.com/great-deal-caravan

www.motorandhomedirect.co.uk/caravan

www.uk.insurancewide.com

www.aatravelinsurance.com

www.autotrader.co.uk/CARAVANS

www.shieldtotalinsurance.co.uk

www.rias.co.uk

www.endsleigh.co.uk

www.onequotedirect.co.uk

www.caravan-insurance-quote.co.uk

www.tourerselect.co.uk

www.myholidaycaravan.com

www.4counties.co.uk

www.abrexa.co.uk

www.towergaterisksolutions.co.uk

www.caravaninsurances.com

www.derbycaravancentre.com

www.UK-Caravan.Cover4Caravans.co.uk

www.codeh

ot.co.uk

www.caravanadditions.co.uk

www.indexinsurance.co.uk

www.professional-advice.co.uk

www.arrow1066.co.uk

www.codehot.co.uk

www.esamcaravans.co.uk

www.caravanadditions.co.uk

www.Edwards-Associates.co.uk

www.hotfroguk.co.uk

www.fairinvestment.co.uk

www.autonetinsurance.co.uk

www.instant-online-insurance.co.uk

www.ufindus.com

www.fastquotes.co.uk

www.camping.uk-directory.com

www.eandl.co.uk/caravan-insurance

www.quotezone.co.uk

www.britishinformation.com/caravan-insurance

www.abrexa.co.uk

www.hodgsoninsurance.co.uk

www.ukcaravaninsurance.com

www.walesindex.co.uk

www.77finance.co.uk

www.best-uk-caravan-insurance.co.uk

www.rightquote-home-insurance.co.uk

www.goinsure.co.uk

www.barrygraingerinsurance.co.uk

www.homeapproved.co.uk

www.caravanquoter.co.uk

www.lifesure.co.uk/caravan

www.caravan-sites.anonlineguide.co.u

www.anthola.co.uk

www.uk-money-saver.co.uk

www.e-insurancedirectory.com

www.caravan-advice.co.uk

www.hunt4me.co.uk

www.alphabrokers.co.uk

www.insurance4caravans.co.uk

www.finance-1.co.uk

www.onecalldirect.co.uk

www.uktravelinsurance.net

www.your-touring-caravan.co.uk

www.comfort-insurance.co.uk

www.car-cheap-cover-insurance-uk.co.uk

www.best-insurance-online.co.uk

www.quotemeinsurance.co.uk

www.caravaninsurance.net

www.caravanfacts.com

www.insurancexpert.co.uk

www.online-comparison.co.uk

www.caravancushionsuk.co.uk

www.instant-caravan-insurance.co.uk

www.portwood.co.uk

www.uk-caravan-insurance.me.uk

www.insurancetime.co.uk

www.forinsurancenow.co.uk

www.spot-vehicle-insurance.co.uk

www.instant-online-insurance.co.uk

www.spot-vehicle-insurance.co.uk/o

www.mystaticcaravan.co.uk

www.best-uk-caravan-insurance.co.uk

www.granthamcaravans.co.uk

AIG Workers who crippled company to get ‘unmerited’ $450m

2009-01-28T04:19:00.000-08:00

Workers who crippled company to get ‘unmerited’ $450m

AIG is paying 400 workers at its New York-based financial products unit – the unit that brought about the company’s collapse - $450m (£316m) in bonuses, Bloomberg reports.

That is in addition to about $619m in retention pay going to top executives and employees at subsidiaries including life insurance.

AIG is said to have committed more than $1bn to employees to keep them from leaving the company.

Representative Elijah Cummings, a member of the House Committee on Oversight and Government Reform, in an e-mail: “I was extremely disappointed - but not surprised - to learn that AIG will be awarding bonuses to the very division that drove the company into the ground.”

Continue Reading this story HERE

Obama Tells Muslim, Americans are not your Enemy!

2009-01-27T00:40:00.000-08:00

Since President Obama assumed office, He boldly reaffirmed his beliefs telling Muslim nations that Americans are soveriegn nation that promote peace and reconciliation towards Islamic world.

For the first time With dramatic diplomacy remarks he made way through Dubai based Al-Arabiya Network interview Monday afternoon and was asked several deep issues concerning the relationship and views of his administration to the present diplomatic ties and international relations between muslims particularly on West Bank complict and Iran.

President Obama said, " I have Muslim members of my family. I have lived in Muslim countries," Obama said, according to a White House transcript. "My job to the Muslim world is to communicate that the Americans are not your enemy."

Al Arabiya interview, where straight and squarly direct at Muslim around the world, revived a vision of personal, symbolic international change that was in the air when Obama - with his far-flung family members, and complicated story - launched his campaign. It was a vision, and an aspect of his story, that the candidate buried when, in 2007, was forced to combat whispering campaigns about his faith.

He echoed his previous disagreement with former Pres. George Bush foreign policies with direct affect to muslim in terms of Aid, Security, healthcare, and jabbing at nervous Al Qaeda Leaders with so many radical language. "What I told him is start by listening, because all too often the United States starts by dictating — in the past on some of these issues — and we don't always know all the factors that are involved," Obama said. "What we want to do is to listen, set aside some of the preconceptions that have existed and have built up over the last several years. And I think if we do that, then there's a possibility at least of achieving some breakthroughs."

Al Arabiya Washington Bureau Chief Hisham Melhem straightly asked him, "Will the United States ever live with a nuclear Iran? And if not, how far are you going in the direction of preventing it?

"You know, I said during the campaign that it is very important for us to make sure that we are using all the tools of U.S. power, including diplomacy, in our relationship with Iran," he said. "Now, the Iranian people are a great people, and Persian civilization is a great civilization. Iran has acted in ways that's not conducive to peace and prosperity in the region: their threats against Israel; their pursuit of a nuclear weapon which could potentially set off an arms race in the region that would make everybody less safe; their support of terrorist organizations in the past -- none of these things have been helpful."

Interviewer Melhem noted to Obama that "President Bush framed the war on terror conceptually in a way that was very broad, 'war on terror,' and used sometimes certain terminology that the many people -- Islamic fascism. You've always framed it in a different way,
specifically against one group called al Qaeda and their collaborators."

"I think that you're making a very important point. And that is that the language we use matters," Obama replied. "[W]hat we need to understand is, is that there are extremist organizations -- whether Muslim or any other faith in the past -- that will use faith as a justification for violence. We cannot paint with a broad brush a faith as a consequence of the violence that is done in that faith's name.

"And so you will I think see our administration be very clear in distinguishing between organizations like al Qaeda -- that espouse violence, espouse terror and act on it -- and people who may disagree with my administration and certain actions, or may have a particular viewpoint in terms of how their countries should develop," he said. "We can have legitimate disagreements but still be respectful. I cannot respect terrorist organizations that would kill innocent civilians and we will hunt them down."

White House senior aide to Obama said Monday night that he (Obama) had not change
his views on Iran. He continually expressed dissappoval of an iranian nuclear weapon directly even thoughIran publicly deny the accusation.

He Affirmed his support to Esrael with non-policy tone, "Israel is a strong ally of the United States. They will not stop being a strong ally of the United States. And I will continue to believe that Israel's security is paramount," he said. "But I also believe that there are Israelis who recognize that it is important to achieve peace. They will be willing to make sacrifices if the time is appropriate and if there is serious partnership on the other side."

Contributed by: Jay Garmino

Car Rental Insurance Companies & Agencies

2009-01-27T00:33:00.000-08:00

www.insurance4carhire.com

www.atlasdirect.net

www.ecarinsurance.co.uk

www.TescoCompare.com

www.insurance4carhire.com

www.Crowthorne.co.uk

www.insurecarhire.co.uk

www.questor-insurance.co.uk

www.jml-insurance.co.uk

www.worldwideinsure.com

www.extrasureonline.co.uk

www.fastcarhire.co.uk

www.cars.co.uk

www.irishcarrentals.com

www.economycarrentals.com

www.europcar.co.uk

www.carhireexcess.com

www.questor-insurance.co.uk

www.andalucia.com

www.autoplanhols.co.uk

www.autoreservation.com

www.eCarinsurance.co.uk

www.carrentalexcessinsurance.com

www.worldwideinsure.com

www.knockout-insurance.co.uk

www.idlicense.com

Duck Creek Technologies to acquire London-based affiliate

2009-01-26T11:07:00.000-08:00

Duck Creek Technologies, Inc. (DCTI), the Missouri-based firm that provides software and services to the insurance sector, has announced plans to acquire Duck Creek Technologies Europe (DCTE).

The latter is a London-based affiliate of DCTI and the move involves acquiring the voting shares of all outside investors in DCTE, over the next two years.

According to DCTI’s chief executive, Steve Hall, the closer relationship will enable the group to expand and improve services and support for its European customer base.

Continue to read HERE

UK Bus Insurance Companies & Agencies

2009-01-26T06:30:00.000-08:00

www.justminibusinsurance.co.uk

www.insuranceChoice.co.uk

www.choicequote.co.uk

www.quotiva.net

www.busstation.net

www.britishinformation.com/bus-insurance

www.aplan.co.uk

www.minibus-insurance.co.uk

www.staveleyhead.co.uk

www.insurancespecialists.co.uk

www.insurancetimes.co.uk

www.motor-insurance-discounts.co.uk

www.yourcounty.co.uk/

www.coachbroker.co.uk

www.wmia.co.uk

www.yesinsurance.co.uk

www.minibusclub.co.uk

www.mbp.uk.com

www.endsleigh.co.uk

www.bus-coach-insurance-uk.co.uk

www.insurancephonebook.com

8 Ways To Keep Your Home Insurance Costs Low

2009-01-24T06:22:00.000-08:00

All homeowners are looking for ways to reduce our home insurance costs. Costs continue to rise and budgets get tighter and tighter with each passing year. Here are 8 tips to reduce your home insurance costs.

1. Increased Home Security

Most homes are fitted with some sort of security device. To make the most of your Home Security Discount make sure that you home is fitted with: dead bolt locks, smoke detectors, fire extinguishers and a burglar and fire alarm that are monitored. You do not have to have all of these to receive a discount on your home insurance so even if you only have one or two make sure that you ask for the savings.

2. Keep your credit score as high as possible.

While it would seem that a good credit score would have nothing to do with insurance rates, it is a fact that they do. Home Insurance companies are using your credit score as an indicator of responsibility. The theory is the more responsible the individual the less claims they will have. So, insurance companies are giving lower rates to those individuals with a better credit score.

3. Consolidate your policies.

Most, if not all companies that sell home insurance, offer discounts for insuring your autos with them. These discounts can sometimes save you up to 30% off of your total insurance bill. Plus, you get the added convenience of having one agent for both your home and auto insurances.

4. Protect your home with updates.

Discuss with your agent about the possibilities of receiving home insurance discounts for keeping your home in good repair. Some home insurance companies will offer savings for a anew roof, electrical, HVAC, plumbing updates. The discounts are generally not enough to warrant the replacement but if you needed it anyway, be sure to get the discounts if applicable.

5. Make sure you are not over insured.

Your home insurance coverage should not necessarily be what you paid for them home. Land values are calculated into the final sales price and should be considered when insuring the structure. In others words you cannot hurt the dirt. A good idea is to call local builders and ask them what new home construction cost per square foot is going for. Take that number, multiply that times your square footage and that is the amount that your home should be insured for. Companies will not pay more than what it is going to cost to rebuild the home anyway, so make sure you are insured correctly.

6. Stay away from low deductibles.

The deductible is your portion of the claim that must be paid before the insurance company pays for the claim. The lower your deductible, the higher your premium will be. Deductibles can range anywhere from $100-$5000 or more. The majority of homeowners will carry a $500 deductible, but the savings one can receive by raising your deductible to $1000 can be significant, up to 20%. It doesn’t take too many claim free years to make up the difference between the two deductibles, but remember you should never raise your deductible to a level that you could not afford to pay.

7. Ask your home insurance agent.

Most of the time, an agent will make sure that you are receiving 100% of the home insurance discounts that you qualify for, but it doesn’t hurt to ask. Some insurance companies have discounts that others do not. Some offer discounts that most would never dream as being a discount such as 55 and retired, non smoking, military service, law enforcement, single parent discounts, etc.

8. Don’t be afraid to shop around.

Home insurance shopping is easy. Insurance shopping online is even easier. Companies like ours at HometownQuotes.com (yes, I am biased) have given you the ability to get multiple home insurance quotes by filling out a form that takes about five minutes to complete. Also be aware that not all insurance companies are created equal. There are some bad ones out there but most, at worst, are pretty good. Getting the best price is great, but check up on the company offering you that price at reputable insurance rating sites like Moodys.com or AMBest.com.

About the Author: Matt McWilliams is one of the co-founders of HometownQuotes.Com, an online insurance quotes web site. He is originally from Pinebluff, NC and attended Middle Tennessee State University. He is considered an expert in the field of online insurance shopping and finding new ways to help consumers save money on their insurance. For more information visit http://www.hometownquotes.com

Get Free Home Insurance Quotes Today!

Home-Based Business Owners, You Need Insurance Coverage

2009-01-23T08:05:00.000-08:00

When you start a home-based business, buying insurance may not be your first priority, but you cannot afford to ignore it either. When the unexpected happens -- and it will -- having insurance coverage may mean the difference between the success and failure of your home-based business.

You may not require all types of insurance listed here, but taking some time now to consider your insurance needs can save you money and headaches in the future. Ultimately, after reading this article, the best way to determine your complete needs is to consult with your insurance agent. Explain to them the details of your home-based business and he or she should be able to determine the best insurance coverage for you (and any employees).

Health Insurance

Health Insurance should be the first consideration for yourself and any employees you may have. If you have just left your current job to start your own business, you may be eligible for COBRA, which will provide temporary interim coverage. This will keep you covered while you search for the best health insurance policy.

Disability Insurance

Disability Insurance will guarantee that you have some income should you suddenly become unable to work because of injury or illness. Having this extra peace of mind is almost always well worth the extra money you pay.

Life Insurance

Life Insurance will help ensure that your family has the money it needs should you meet with an untimely death. Some lenders require that you have life insurance before they'll issue a loan; this guarantees that the loan will be repaid if you meet with an untimely end.

Business Property Insurance

Business property insurance helps protect you against loss of inventory or equipment. If your business equipment or inventory is damaged in a flood, fire, or other disaster, this type of insurance will allow you to recoup your losses.

General Liability Insurance

Comprehensive general liability insurance is necessary for your home-based business if you plan on having clients or customers visit your home. Whether you plan to hold meetings, allow customers to pick up merchandise, or have members of the public enter your home for any other reason, this insurance will protect you if someone is injured while on your property. This insurance will typically pay for your legal defense should you face a lawsuit as the result of a fall or other damage that occurs on your property.

Business Interruption Insurance

Business interruption insurance will help your business recover from natural disasters. It will cover you for income lost during the disaster, and will pay for operating expenses that continue to accrue, even though your business isn't up and running.

Workers’ Compensation Insurance

BWorkers' compensation insurance is an absolute necessity if you plan on having employees working out of your home. Without workers' comp, you'll be responsible for any medical expenses arising from injuries employees sustain while working for you. Many home-based business owners mistakenly believe that this type of insurance is only required by businesses that have a retail or separate location, but that's not the case. Another mistake is assuming that only ‘dangerous’ employers (such as construction or movers) need this type of insurance. But what if your employee slips on the stairs or their chair breaks? While those are both unlikely, they are possible and the less risky your business, the cheaper the insurance will be.

These insurance plans can help ensure that you are prepared to face any eventuality that might occur while you are running your own business. Disasters, accidents, and crises can strike at any time. By preparing now, you may be saving you and your company significant financial loss, wasted time, and difficulty.

Visit www.hometownquotes.com for more informations

The Three Basic parts to an Auto insurance Policy

2009-01-22T07:54:00.000-08:00

1: Other Party:

Auto Insurance Bodily Injury (BI) Liability and Property Damage (PD) coverage is Legally required in most states today. (BI & PD) Most people understand that they need BI & PD, but they have no idea how to determine how much coverage they need.

Try this simple question: What if your car was involved in an auto accident tonight where heaven forbid, someone else was injured or killed? Remember, everything you own is in the back seat of the car with you and is at risk in a lawsuit! So, what do you think their family would sue you for? $15,000? $25,000? $100,000 or even maybe a Million dollars! Where would you get the money to pay them?

Perhaps the Equity in your Home would help? How about your Savings and/or Investments? You could even have up to 25% of your wages attached to pay the award in most states! Are you prepared to sacrifice everything you own to pay an award due to this accident? If not, read on for how to choose the auto insurance coverage you need.

2: You and Your Family:

Now let’s turn the above accident around. For some unfortunate reason, you or a loved one is the one who is injured or killed in an auto accident. Where would you get the money if the person who hit you did not have auto insurance or not enough auto insurance? Medical bills can be covered if you have health insurance. But health insurance doesn’t cover loss of life, pain & suffering or permanent disability.

Maybe you have a life insurance policy through your employer or your own individual life policy. Is the benefit amount sufficient to cover your family if your loved one is killed? But even if you have life insurance, what pays for the misery, the pain & suffering, maybe the fact you or a loved one can’t walk or use their arms again?

You might have a disability insurance policy through your work if you’re lucky or had good financial advice. But disability insurance doesn’t pay for loss of life, pain & suffering, permanent loss of your legs, arm or hand.

The only coverage that pays for these things is a part of an auto insurance policy known as Un/Under-insured motorist coverage. You can only buy as much coverage here as you have in Liability coverage. Your auto insurance agent should be able to help you determine the exact amount you need.

3: Your Car

Comprehensive and Collision Coverage are the third part of an auto insurance policy and are sometimes referred to as “Full coverage.” Basically the difference is this: If you run into the tree you are covered by Collision coverage. If the tree runs into you (hypothetically of course), then you are covered by comprehensive coverage. Comprehensive also covers broken windshields, fire, theft and vandalism. The higher deductible (risk) you take here, the lower the premium. Use the savings here to purchase higher limits in the coverages that protect your assets and your family.

The bottom line to determining proper auto insurance coverage is, of course, the money available in your household budget. An excellent place to start in determining the proper auto insurance coverage for your family is to meet with your local auto insurance agent.

Most cut-rate companies concern themselves with one thing only: Price. Tell them what coverage you have and they’ll see if they can give you the same coverage for less. You become the insurance professional. If this is the only need you have then that is ok. If not, you need to seek the advice of a professional to help you determine the proper amount of coverage you need and how best to accomplish it.

Review these tips for auto insurance coverage to make sure you have enough to protect your family.

For more Information visit our site: http://www.hometownquotes.com