Travel insurance: pick your way to the best policy #travel #agents

#best travel insurance
#

Travel insurance: pick your way to the best policy

Y ou’ve booked the holiday, updated your summer wardrobe and checked the neighbours will water the plants. But have you bought travel insurance? If you are one of the millions turning to price-comparison sites to search for a policy the choice can seem baffling.

Cash logged into Moneysupermarket.com to search for a Europe-only annual policy to cover two adults and two children under 16. It offered 94 policies from just 22.80. The same search on Gocompare.com returned 95, from 24.64. The startlingly low prices are thanks to intense competition among an expanding list of providers.

However, table-topping names were mostly unrecognisable. We scrolled past a dozen or so before coming across a well-known brand. So how do you know you are buying from a reputable company?

Large insurers tend to trade under a range of different names, and an unknown brand could actually be backed by a company you have heard of. For example, Travelinsurance.co.uk is a trading name of InsureandGo, which is part of massive Spanish insurer Mapfre. You can check the about us section of a provider’s website to see who they are. Picking one that is part of a big insurer should give you peace of mind, says Malcolm Tarling of the Association of British Insurers.

There is a handful of standalone players, including Explorer Travel Insurance. Traveltime, Starttravel.co.uk, Planet Earth and goPanda. In this case check who underwrites the policy – this is the company paying in the event of a claim, says Tarling.

If you are buying through a comparison site, the brands are authorised and regulated by the Financial Conduct Authority and you are covered by the Financial Services Compensation Scheme (FSCS).

In the unfortunate event you pick a small brand and it goes bust, the scheme will step in. We may first try to transfer the policy to another insurer, says a spokesman. If there is a claim already in process, we may be able to offer compensation, but this would be on a case-by-case basis.

Whether a provider pays out is what consumers really want to know. The Financial Ombudsman Service received, on average, 43 complaints a week in the year to April 2014, ruling in favour of the consumer in more than half the cases.

One of the most common reasons for a claim being rejected is when an insurer relies on a particularly restrictive or onerous term in the contract.

A spokesman for the ombudsman says: Should the worst happen, keep a note of any correspondence. Keep electronic copies of your policy saved to your email account so the documents can be accessed wherever you are in the world. Taking pictures of an incident is another great way to record what’s happened.

Complaint disputes make it important to consider how companies deal with customers. Look for 24-hour helplines, and check online forums to see if there are any comments about a brand.

Gocompare.com offers star ratings beside policies from independent financial researcher Defaqto. Some of the cheapest are only awarded one star out of a possible five. Consumer ratings are also a useful way of understanding which companies look after their customers. Of 20 travel insurers listed by consumer group Which? it only recommends Saga and Marks Spencer Bank based on customer feedback.

Fairer Finance, a service set up to help consumers choose the best financial products, ranks insurers based on what customers think of the brand, how good they are at handling complaints, and how transparent they are. The best score highly across all of these areas.

Among travel insurers LV=, First Direct, Tesco, Amex, M S and Saga are gold-rated, while Aviva, HSBC, Staysure and the AA are silver-rated.

It’s worth going to a comparison site first to see what the cheapest available policies are – but if you don’t see any of these brands it could be worth going to them directly, says James Daley, founder of Fairer Finance.

Before any search make a list of what cover you need in a policy, says Tarling. If you are unsure if the policy will pay out for your needs, you could also call a broker. A list of these is available at biba.org.uk. They can advise you of the right policy for your requirements.

Graeme Trudgill, executive director of the British Insurance Brokers’ Association, says: Numerous brands listed on comparison sites are actually brokers. You could give them a call to check the policy definitely covers your needs – they will have different types and strip down the cover to get a competitive quote.

Here are some relatively unknown insurers that may crop up: ■ Staysure: This is a specialist insurance broker for the over-50s known for being prepared to cover holidaymakers with cancer or other serious pre-existing medical conditions. Staysure has above average happiness and trust scores from customers on Fairer Finance – in spite of having the longest policy document of all travel insurers (at almost 38,000 words).

BigBlue Cover: Listed by Which? as offering attractive rates with a good level of cover for singles, family and couples. It is part of the larger Rock Insurance Group.

TopDog Insurance: Surprisingly, it isn’t a pet insurer. Cover is underwritten by Mapfre, which has a below average record on complaints handling, says Fairer Finance. In the last six months of 2013, the Financial Ombudsman received 310 complaints about Mapfre compared to 115 for Saga. Its policy documents are among the longest – at a little over 25,000 words.

Explorer Travel Insurance: It specialises in insurance cover for over 65s. It is listed by Which? as providing among the best value European single trip policies for those over 80 with a good level of cover.





27/11/2017

Posted In: NEWS

Tags: , , , , , , , ,

Leave a Comment

With policy update, Tauck cracks down on discounting: Travel Weekly #travel

#pavlus travel
#

With policy update, Tauck cracks down on discounting

Tauck is saying “no more” to discounting.

In an email sent to travel agents, the high-end tour operator issued an updated marketing and commission policy, effective Sept. 1, stating that “never in our 90-year history have we promoted our journeys based on price, as we firmly believe that doing so would seriously undermine a premium brand such as Tauck that has been built on superior quality, service and value.”

In a two-page document. Tauck outlined a series of criteria travel sellers must follow in order to book Tauck products.

Among the standouts are that travel agents cannot advertise or promote any Tauck product for a price less than the published Tauck fare.

Additionally, agents may not pass along their commission rebates to guests — a common discounting workaround — and Tauck is capping at $150 any value-added items or services that agents provide their clients.

“I know many agents who spent a lot of time selling Tauck only to lose the sale over a 5% rebate their client found online,” Steven Spivak, Tauck’s vice president of global sales, wrote in an email. “Hopefully, with this policy that all goes away, and there is a restoration of faith.”

Not allowing discounting isn’t new for Tauck. The company said it has had a no-discounting policy in place for almost a decade.

But it appears that Tauck is now taking a harder tack on that policy. Do an Internet search for “Tauck discount,” for instance, and several large online retailers such as AffordableTours.com and TourVacationsToGo.com crop up in the top search spots. Further, the resulting URLs often have the word “Tauck” within them, which the operator claims creates confusion.

To avoid that confusion, the new policy states that the Tauck name may no longer be used in domain names, sub-domain names or website URLs not owned by Tauck.

It also stipulates that the Tauck name cannot be associated with the words “discount,” “rebate,” “on sale,” “save %,” “save $$,” “gift card,” “gift certificate,” “gift,” “cost,” “low cost,” “price,” “lowest price,” “best price,” “beat any price,” “special price” or similar terminology.

“The integrity of our brand and our guest experience was being compromised,” Spivak wrote. “We have always asserted that the price is the price is the price, so regardless of what channel a guest chooses to purchase their Tauck experience through, they will pay the same price as all other guests.

“Rebating is at odds with that value. And whether you call it a rebate or a discount or a reward or an incentive, it is all the same. And unfortunately it rears its head when guests are sitting at the dinner table on tour, and those are not productive conversations. That diminishes the experience for everyone.”

There are some additional items outlined in Tauck’s 2015 Marketing and Commission Policy that agents are advised to note, as well.

For example, there is an item called “booking transfer fee,” stating that if a booking originally placed by a guest with Tauck is then transferred to an agent more than a week after the original booking, Tauck reserves the right to charge the agent a $250 fee per guest.

There are some competitive issues, as well. The policy states that travel agent websites may not employ excessive repetition of Tauck’s name or Tauck’s copyright-protected materials to populate their site in an attempt to skew search results.

Agent websites will also be prohibited from using a Tauck-related search to redirect users to another page with unrelated content.

Tauck isn’t the first operator to take a strong stance against the price-driven online discounting marketplace.

Four years ago, Collette completely stopped selling to three big online discounters: AffordableTours.com, Pavlus Travel and TouringForLess.com.

Asked if the new policy was an effort to communicate to large online agencies that Tauck, too, did not want to do business with them, Spivak said, “Some of these agencies employ outstanding advisers who are passionate and knowledgeable about our product. They represent us well, and we hope they will adapt to this policy and continue to be partners of Tauck.”

Spivak acknowledged that for some companies, discounting is key to their revenue management strategy and that there will always be consumers who will shop based on price.

He added that he did not see this new policy rollout as the severing of old ties but as an opportunity to forge new ones under slightly different terms.

“For premium brands like Tauck, we see great opportunity for those who discounted or rebated in the past to use their incredible Web expertise and knowledge of our product to continue to grow their businesses,” Spivak said.





27/11/2017

Posted In: NEWS

Tags: , , , , , , , , ,

Leave a Comment

Greek debt relief closer than ever but creditors must act, Greek


#

Greek debt relief ‘closer than ever’ but creditors must act, Greek prime minister says

ATHENS Greek Prime Minister Alexis Tsipras kept up his demand for debt relief from international lenders on Tuesday, saying Athens was close to securing a solution to ease its debt mountain but that creditors must meet there commitments.

Greece wants to wrap up negotiations with the lenders — the European Union and International Monetary Find — on reforms and on debt relief this month.

It needs another tranche of bailout money, wants to qualify for inclusion in the European Central Bank’s bond-buying program, and seeks to return to bond markets immediately afterwards.

“We are closer than ever to a substantial solution on debt relief,” said Tsipras reiterating that Greece had already agreed to apply more austerity after its current bailout expires and it was its lenders’ turn to fulfill their promises of discussions about debt relief.

“Τhe ball is no longer in our court,” he told reporters referring to lenders’ statements on debt relief in past years.

Despite Greece’s recent statements and a bailout review agreement at staff level, sources close to the lenders have been less optimistic seeing talks on debt relief lasting longer than May.

This is because of sharp differences between the IMF and Germany, Europe’s paymaster, over the Greece’s fiscal targets. The former says Greece’s target and debt are unsustainable; the latter, with an election coming, is less willing to drop its hard line.

After six months of tense talks, Athens and the lenders reached a deal last week on a set of additional reforms the country needs to implement in 2019-20, two years after its current, 86-billion euro bailout program expires.

Greece wants euro zone finance ministers to approve the reforms’ deal at a scheduled Eurogroup meeting on May 22 — a key condition for unlocking vital loans — but also agree on a formula to make its debt sustainable in the medium-term and long term.

Debt sustainability is key for the European Central Bank and the Washington-based IMF, which participated financially in the country’s first two rescue packages, but has yet to announce whether it will join Greece’s current program, the third since 2010.

Greek lawmakers are expected to vote on the new austerity package by May 18, before euro zone finance ministers assess the country’s progress.

Tsipras, who is sagging in opinion polls and whose term expires in 2019, controls 153 lawmakers in the 300-seat parliament and he is expected to pass the bill.

But the delays in the negotiations have slowed projected economic growth and have exacerbated reform fatigue after seven years of austerity hurting the government’s popularity further.

Asked whether he was considering a cabinet reshuffle, Tsipras ruled it out.

“We are not considering it. Our aim now is to speed up work as much as we can,” he said during a visit at the education ministry, where he announced a planned education reform.

(Additional reporting Angeliki Koutantou Editing by Jeremy Gaunt)

Reuters is the news and media division of Thomson Reuters. Thomson Reuters is the world’s largest international multimedia news agency, providing investing news, world news, business news, technology news, headline news, small business news, news alerts, personal finance, stock market, and mutual funds information available on Reuters.com, video, mobile, and interactive television platforms. Learn more about Thomson Reuters products:

Information, analytics and exclusive news on financial markets – delivered in an intuitive desktop and mobile interface

Everything you need to empower your workflow and enhance your enterprise data management

Screen for heightened risk individual and entities globally to help uncover hidden risks in business relationships and human networks

Build the strongest argument relying on authoritative content, attorney-editor expertise, and industry defining technology

The most comprehensive solution to manage all your complex and ever-expanding tax and compliance needs

The industry leader for online information for tax, accounting and finance professionals


03/11/2017

Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Leave a Comment

Top 5 Security Settings in Group Policy for Windows Server 2008


#

Top 5 Security Settings in Group Policy for Windows Server 2008

With over 5000 settings in the newly improved and enhanced Group Policy that comes with Windows Server 2008, it might be a bit overwhelming to think about which settings are most important to you and your network. Microsoft has really gone beyond the call of duty with some settings, as they fix issues and secure computers like we have always wanted to, but never had the tools before. Implementing these security settings for your desktops will increase the overall security, by reducing the attack surface that is available. Some settings only support Windows Vista, while others are backward compatible to Windows XP SP2.

Control Local Administrators Group Membership

One of the most insecure settings that can be granted to an end user is local administrative access. By adding the user account to the local Administrators group, the user is being granted nearly ultimate control over their desktop. The user can perform almost any action, even if the network is configured to deny this access. Actions that a user can perform, due to them having local administrative access, include, but are not limited to, the following:


  • Remove their computer from the domain
  • Modify any Registry setting
  • Modify permissions on any folder or file
  • Modify any system setting, including settings that are in files in the System folder
  • Install any application
  • Uninstall applications, security patches, or service packs
  • Access any Website allowed by firewall
  • Download and install ActiveX controls, Web applications, or other malicious applications downloaded from the Internet

Although there is a need to have users running as administrator to allow certain applications to function, this type of access is very dangerous and exposes the desktop and the entire network to potential security breaches and attacks.

With Windows server 2008 Group Policy, the current user can be removed from the local Administrators group with just one simple policy. This setting controls Windows XP SP2 and greater operating systems. This setting falls under the new Group Policy Preferences settings. To access this setting, open up a Group Policy Object and expand:

User Configuration\Preferences\Control Panel

Then, right-click on Local Users and Groups. From the menu, click on New – Local Group. The following dialog box will appear, as shown in Figure 1.

To configure the policy, type in Administrators into the Group text box, then click on the “Remove the current User” check box. Upon the next Group Policy background refresh all user accounts that are under the scope of management of the GPO where this setting is configured will have their user account removed from the local Administrators group on the computer where they are logged in.

Reset Local Administrator Password

In conjunction with the first Group Policy setting, it is essential that the local Administrator password is also reset. This is due to the fact that the user had administrative privileges before removing them from the local Administrators group, therefore they could have reset the Administrator account password to something they know.

Therefore, after the user account has been removed from the local Administrators group, the local Administrator account password must be reset. If this setting can be made simultaneously with the removal of the user account, the user will have no chance to know or alter the new local Administrator password.

This setting controls Windows XP SP2 and greater operating systems. This setting falls under the new Group Policy Preferences settings. To access this setting, open up a Group Policy Object and expand:

Computer Configuration\Preferences\Control Panel

Then, right-click on Local Users and Groups. From the menu, click on New – Local User. The following dialog box will appear, as shown in Figure 2.

To configure the policy, type in Administrator into the User name text box, then type the new password into the Password text box, confirming the password in Confirm Password text box. Upon the next Group Policy background refresh all computer accounts that are under the scope of management of the GPO where this setting is configured will have the local Administrator password reset.

Windows Firewall with Advanced Security

In the past users and administrators alike have stayed away fro musing the Windows Firewall, due to limited capabilities compared to other products. Now, the Windows Firewall comes with advanced security settings, which are certain to raise some eyebrows.

The new advanced security features of Windows Firewall incorporate not only inbound and outbound filtering, but include IPSec.

These settings can only control Windows Vista, which is the only desktop operating system that includes these options. This setting falls under the security area within a Group Policy. To access this setting, open up a Group Policy Object and expand:

Computer Configuration\Policies\Windows Settings\Security Settings\Windows Firewall with Advanced Security\Windows Firewall with Advanced Security

When you expand the policy, you will see three nodes:

If you right-click on any of the options, you can select the New Rule option, which the inbound rule is shown in Figure 3.

UAC

User Account Control (UAC) provides an opportunity to help secure the computer where a user and an administrator is logged in. In my research and testing, UAC is ideal for all administrators and can be a good solution for standard users. Since UAC forces all users to be a standard user for all tasks, it helps protect against any application or virus that attempts to write to protected areas of the computer. It does this by prompting the user with a dialog box each time a protected area of the computer is accessed. This might be accessing an application, installing an application, modifying the registry, writing to a system file, etc.

This is ideal for all administrators, as they can now use a single user account for their daily tasks, both for IT and for personal use. For standard users, the only way that UAC will function well is if all applications that run on the desktop can be run without requiring administrator credentials. In this situation, the user can perform all of the functions and run all applications as a standard user. Then, if a task needs to be performed that requires administrative access, they can get help from someone on the helpdesk or an administrator.

The settings that control UAC can be found at ComputerConfiguration\Policies\Windows Settings\Security Settings\Local Policies\Security Options. which can all be seen in Figure 4.

Password Policy

Even though passwords are not all that attractive as a security setting, the ability to control passwords using Group Policy can’t be left off of the top 5 list. Windows Server 2008 still uses Group Policy to determine the initial account policy settings, which have not changed since Windows 2000. The settings are initially configured in the Default Domain Policy, but they can be made in any GPO which is linked to the domain. The only thing to keep in mind is that the GPO that contains the account policy settings must have the highest priority of all GPOs linked to the domain.

The settings that you can configure include those shown in Figure 5 and the settings shown in Table 1.

Here are some guidelines to follow for setting these policies:


10/10/2017

Posted In: NEWS

Tags: , , ,

Leave a Comment

Cloud Computing Options #insurance #software,insurance #agency #management #software,insurance #billing #software,insurance #agency


#

“Cloud” Computing and Thin Client Solutions

As we find ourselves in an increasingly fast-paced and mobile world, our dependency on technology to provide real-time access to information increases as well. One of the most utilitarian advancements of technology towards this end has been the advent of thin client or ‘Cloud’ based computing systems.

In a nutshell: A thin client solution allows a computing device (PC, IPad, IPhone, Android device – aka the ‘client’) to ‘dial in’ to the desktop of another computer (aka the ‘server’). The user can then pass keystrokes and mouse clicks to the desktop of that computer, and receive screen shots of what the resulting screen looks like on the other computer (server) to their local computing device (client). It is called ‘thin’ client because you wind up passing very little data over the internet, just screen shots, mouse clicks and keyboard clicks.

The term ‘Cloud Computing’ appeared around 2006, and encapsulates the notion of thin client computing with the ability to securely store your data ‘somewhere else’. There are a variety of solutions available to your agency that provide thin client access to your local software, and provide automated methods to back up your local data to a secure, offsite location.

Remote Desktop (aka Terminal Services) is probably the best solution thin client solution for multiple remote users to access your local data for long periods of time. It is also the most expensive requiring the services of a local hardware technician, a Server operating system (Windows Server 2003, 2008, etc. which can cost $800 or more), and Remote Desktop licenses – which run about $80-$100 apiece (although you typically get one license for free). The advantages of using Remote Desktop to dial into a Server based operating system are that it is more secure, less prone to data corruption, and does not require a separate computer for each person logging in.

There are less expensive (even free) solutions for people that need to occasionally dial in to the home office, or dial in one at a time. These solutions all require that there is a separate computer at the home office, for each person dialing in. Some of these solutions can be found at: Logmein.com. GotoMyPC.com. Join.me. and TeamViewer.com. Each product has advantages and disadvantages regarding ease of use, reliability, supported client devices, and features; and there are several factors such as how printing and file transfers are handled between the ‘Free’ and ‘Pro’ versions of each software that must be taken into account. If you are considering one of these less expensive thin client solutions, it might be money well spent to hire a tech for an hour or so to help you sort out your options.

Another aspect to Cloud Based computing is the ability to securely backup your data by copying your files over the internet to a secure facility offsite, thus limiting your liability if your local location burns down, or is involved in a natural disaster. Some companies that offer offsite backup solutions for a small fee are Mozy.com. and Dropbox.com. With a little help from a local tech – you can quickly set one of these programs up, and then have peace of mind that your data is stored securely ‘somewhere else’. Just make sure that your tech sets the program up to send the files over the internet at night, otherwise you will see your daytime internet speeds drop dramatically.

Of course Agency Software, Inc. offers turnkey hosting solutions as well. If you’d rather not worry about configuring your Remote Desktop solution, or making sure your data is securily backed up, we recommend the services of EME Cloud For about $30 per user / per month, DJ and his staff will web-enable your Agency Software applications for use on nearly any device, from nearly anywhere in the world. If you have questions, please fee free to give us a call at (800)342-7327 to discuss your Cloud Computing needs.


30/09/2017

Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , ,

Leave a Comment

Masters – Public Policy #public #policy #masters #degree


#

Masters

The MA in Public Policy is available as an option for students who elect to earn it as a formal credential while en route to their Ph.D. or who are opting to exit the Ph.D. program prior to completing all requirements for the PhD. In all cases, the student must meet departmental and Graduate School degree requirements for a master’s degree, including 30 earned credit hours, two full semesters of residence credit, passing an exam requirement, and completing a thesis or (thesis substitute) project.
In Public Policy, the 30 credit hours will be earned through core and elective courses, generally completed in the student’s first two years in the program. Students earning the MA while en route to their PhD must take and pass the written core exam (and complete a field exam or paper) to earn the MA credential. The format of the field paper is a critical literature review of a maximum of 40 pages (double spaced) in length.

Students nearing completion of their core courses and intending to exit the program without completing the Ph.D. may petition to the DGS to write an approved thesis substitute with an (oral) exam defense.
The oral defense will occur before at least three (3) committee members and will cover appropriate core course material from the program in lieu of sitting for the written core exam. The thesis substitute format will be determined by agreement between the student and the faculty committee and may include a literature review or discussion/research paper.

Students who decide to exit the program by completing these latter MA requirements may not later choose to continue for the PhD without taking and passing the core written exam.

The following core and elective courses are required for the MA (30 credit) degree:

PLCY 716/717, Politics, Institutions Public Policy I II (6)
PLCY 780, Normative Dimensions in Policy Analysis and Research (3)
PLCY 788/789, Advanced Economic Analysis for Public Policy I II (6)
PLCY 801, Design of Policy-Oriented Research (3)
PLCY 881 (Regression) (3)

Ph.D. elective courses (6)
PLCY 992 Master’s (Non-thesis) (3)

Support
UNC Public Policy


20/09/2017

Posted In: NEWS

Tags: , , ,

Leave a Comment

Long Island Insurance Agents – Insurance Companies on Long Island #long


#

Long Island Insurance

No matter what stage of life you’re at, having the right insurance to cover your assets is of the utmost importance to make sure you are prepared for the unexpected. From home owners or renters insurance policies that protects your home in case of emergency or disaster, to life insurance that is designed to help your loved ones financially should something happen to you, talking to an agent and finding out the right type of coverage, and the right amount of coverage for you can help you to save money, and to alleviate the stress of the unpredictable. No matter. Read More No matter what stage of life you’re at, having the right insurance to cover your assets is of the utmost importance to make sure you are prepared for the unexpected. From home owners or renters insurance policies that protects your home in case of emergency or disaster, to life insurance that is designed to help your loved ones financially should something happen to you, talking to an agent and finding out the right type of coverage, and the right amount of coverage for you can help you to save money, and to alleviate the stress of the unpredictable. No matter what you need to protect, making sure you have the right insurance coverage can mean all the difference. Show Less

Finance Legal
Related Categories

Sponsored Listings

150 Broadhollow Road,Suite PH-11 Melville, NY 11747

SHBG Insurance Services is a full service Insurance firm specializing in Personal, Commercial, Professional, Life and Health insurance. More

847 Broadway,Suite 101 North Massapequa, NY 11758

The whole team at The Zabbia Insurance Agency is passionate about serving Massapequa and all of Long Island. Whether you need home, auto, life, or business insurance, they re waiting to help you. More


13/09/2017

Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , ,

Leave a Comment

Commercial property insurance policy #cluett, #wholesalers, #insurance, #workers’ #compensation, #worker’s #comp,


#

From Coast to Coast, the Best in Workers’ Compensation. and More!

Established in 1995, Cluett Commercial Insurance Agency has become one of the nation s leading wholesalers for Workers Compensation Programs. At Cluett, we recognize that our producers need and require much more than Workers’ Compensation Insurance Markets. Cluett has expanded their “Products and Programs” to include Business Owner’s Policy, Commercial General Liability, Property, Commercial Auto, Commercial Umbrella/Excess and Specialty Programs. Through Cluett we offer a wide array of A Rated Insurance Carriers and Special Programs that provide our member agents the assistance to market both their existing client’s as well as their prospects.

Education And Providing Market Availability Is Our Main Focus

Combining both Education and Market Availability is a winning formula and allows our producers to stand out from the competition. We have set up programs that allow our producers to increase their Agency Sales and Grow their Agency Premium Volume. Cluett recognizes that Workers’ Compensation Insurance is a door opener when it comes to writing a NEW Client. There is so much more to Workers’ Compensation than just seeking the lowest class rate. The Workers’ Compensation Insurance Program must be “Controlled” “Managed” and at Cluett, we have designed a Program to do just that.

Products To Help You Stand Out From The Competition

  • Claims Management Program Cluett/Stephenson and Brook
  • Experience Modification Program
  • Employee Safety Awareness Program
  • FlexPay – A New Program designed for All Assigned Risk Policies
  • CmartBooks A New Submission Approach ONLY Available through Cluett
  • Kyrus Mobil A Distracted Driving Program Great Tool for any Client with an Auto Exposure

Why Agents Keep Coming Back To Cluett

  • Competitive Programs
  • Our access to write a broad range of WC Classes and other P C Products
  • Access to over 400 WC class codes; programs start with minimum premiums as low as $300; middle market risks with premiums over $150,000
  • Loss Sensitive Workers Comp Programs; Retrospective Rating Programs; Deductible Programs; Agency Captive Programs
  • Online Agent Site Simple and Quick Submission Process
  • Excellent Carrier Relationships
  • 24 to 48 Hour Quote Response Time
  • Experienced Underwriting Team
  • Tougher to Place Risks
  • High Mod Program

12/09/2017

Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , , , , , , , ,

Leave a Comment

Personal Liability Umbrella Policy – State Farm #car #insura, #personal #liability


#

A Personal Liability Umbrella Can Help Protect Your Future

Experiencing a major insurance claim or lawsuit could lead to personal financial loss. Even though your underlying policies such as auto, homeowners, or boatowners may provide liability coverage, they may not be enough. A State Farm �Personal Liability Umbrella Policy (PLUP) may provide the additional liability coverage you need to protect your financial future.

Find an Agent

Personal Liability Umbrella Policies may provide:

  • Additional liability protection at a reasonable price
  • Protection against personal claims, such as defamation of character, libel, or slander, that may not be covered by your other policies
  • Minimum coverage of $1 million, which can be increased in $1 million increments

How can a Personal Liability Umbrella Policy help protect you? 1

Auto

While driving, you change lanes and cause an accident, which results in multiple injuries to passengers of another vehicle.

Home

While cooking, you leave your stove unattended. In addition to damaging your property, the fire also damages your neighbor’s property and injures your neighbors. As a result, you may have to pay for any repairs to your neighbor’s dwelling in addition to any injury claims. Or, consider that while on your property, a guest slips on your sidewalk or falls from your trampoline. The injured person could file a claim against you.

Boat

While operating your boat, you hit a water skier and cause serious injury.

Related Insurance

Disclosure

1 This document contains only a general description of the State Farm Personal Liability Umbrella Policy (PLUP) coverage and is not a statement of contract. All coverages are subject to all policy provisions and minimum underlying insurance requirements. For further information, please see or call your State Farm agent.

State Farm Fire and Casualty Company
Bloomington, IL
State Farm General Insurance Company
Bloomington, IL
State Farm Florida Insurance Company
Winter Haven, FL


08/09/2017

Posted In: NEWS

Tags: , , , , ,

Leave a Comment

OSS Law Enforcement Advisors #oss #law #enforcement #advisors #oss #law #enforcement


#

Expert Witness Consultants, Law Enforcement and Jail Detention Policies, Risk Management and Training

OSS Law Enforcement Advisors� [OSS] is an Expert Witness and Law Enforcement Consulting agency comprised of Subject Matter Experts dedicated to improving both public and private law enforcement and security operations.

Our combined law enforcement experience encompasses more than 110 years of professional expertise in law enforcement, jail, security, correctional care and criminal justice fields. Our field-experienced staff is certified by local, state, or national organization(s).

Our advisors have conducted assessments, developed policy procedures and provided training services for some of the world’s leading police and security agencies, including: The United Nations, Central Intelligence Agency, U.S. Marshals Service, U.S. Customs, U.S. Department of Defense, U.S. Department of Justice, Texas Department of Public Safety, State of Mississippi Department of Public Safety, State of Mississippi Department of Education, the Tennessee Corrections Institute, the Sheriffs� Association of Texas, local and state police agencies, major international insurance carriers, and international security and detention operators .

Services Include

Expert Witness Consultants

OSS Subject Matter Experts have been retained in 1,200+ liability-related cases. Should the need ever arise; we are available to provide your defense team with expert litigation support. [Expert Witness Consulting Services ]

From very straightforward initial analysis to standing for you in court as a testifying expert we have the expertise to put behind your case. Here are some common formats for our expert witness services:

Policy Procedures

OSS� policy and procedures assist Sheriffs, Chiefs of Police, jail detention operators, and correctional care facilities by providing professional policies in order to better manage their operations. OSS policy and procedures are also widely used by campus school police and security departments and risk managers throughout the country. [Law Enforcement, Jail Detention, Communications Center Policies Procedures ]

Policy Development

OSS Subject Matter Experts develop agency specific policies from our existing Law Enforcement . Jail Detention . and Communications Center Policy Procedures policy sets. OSS SMEs are recognized in both federal and numerous state courts and are well versed in the latest evolving industry best practices and court decisions, and regularly teach law enforcement officers, jailers, risk managers and attorneys.

With 2,000+ policy clients, a unique source of policy development input comes through actual incidents, opinions, and perspectives shared by agency Chiefs of Police, Sheriffs, and cases OSS has been retained in as experts. [Policy Development Services ]

OSS develops Policy Procedures for:

R isk Management

OSS Law Enforcement Advisors� provide both, public and private clients with the appropriate processes, methods, and tools necessary to reduce the risk of loss of human life or property.

Our analysts regularly perform assessments and provide expert witness consulting services for law enforcement agencies, jail detention operations, prisons, correctional care facilities, courthouses, schools, and governmental operations. These assessments include limited and detailed inquiries and evaluations depending on the needs of the client agency, pool, or insurance provider.

We perform cost-effective, critical infrastructure and task assessments for public and private entities throughout the United States. Risk management services include, but are not limited to, lighting, crime and incident statistical analysis, evaluation of existing services and design.

OSS also provides extensive risk management services for:

Services include litigation support, claims management, expert witness consulting services. policies procedures development. agency specific or online law enforcement and jail training. and on-site assessments.

Training

OSS provides a vast array of law enforcement, jail detention and security related courses. We provide both instructor led training and through our OSS Academy� 130+ online law enforcement and corrections training courses. OSS Academy� online classes are recognized by more Peace Officer Standards and Training boards and correctional associations than any other online training provider. For more information, contact OSS. [Visit OSS Academy� ]

Our team of highly rated law enforcement and jail instructors are often called upon to teach at colleges, police academies, and association gatherings. Since 1974, we have put this expertise to good use, when called upon to provide expert analysis and testimony in both state and federal courts in defense of allegations made against law enforcement and detention operations. [Law Enforcement, Jail Detention and Security Training Services ]

Service Area

OSS Law Enforcement Advisors� is headquartered in Houston, Texas, with Expert Witness and Law Enforcement Consultant Services provided throughout the United States.

For more about what our clients are saying about us, review OSS Accolades or Contact OSS .


07/09/2017

Posted In: NEWS

Tags: , , , , , , , , , ,

Leave a Comment

Understanding GPO in Windows Server 2012 #server #2012, #group #policy, #windows


#

Understanding GPO in Windows Server 2012

Group Policies are computer or user settings that can be defined to control or secure the Windows server and client infrastructure. Understanding GPO in Windows Server 2012 before actually configuring and applying policy settings is very important. It is easy to understand GPO in Windows Server 2012. There are some new features of GP O in Windows Server 2012 .

Understanding GPO in Windows Server 2012

Two main components of GPO are, GPO Object and GPO Policy Settings.

GPO Object. GPO Object is an active directory object that has various group policy settings. These policy settings can be user settings or computer settings and can be applied to user or computers. GPO objects are stored in GPO container. The GPO object is stored in active directory database and each object has its own unique GUID (Globally Unique Identifier).

GPO Policy Settings. GPO policy settings are the real settings within GPO object that defines particular action. GPO policy settings comes from GPO templates which are stored in SYSVOL folder of each domain controller. For example, Prohibit Access to Control Panel is a GPO policy setting that will simply disable access to control panel. Most of the GPO settings can be enabled, disabled or not configured. The example is shown below,

When you create a group policy, the GPO object is created and stored in GPO container in active directory and at the same time, GPO template is created and stored in SYSVOL folder. After creating a group policy, it can be linked to Sites, Domains and OUs. Group policy is process in the order of LSDOU.

  1. Local Group Policy
  2. Sites
  3. Domains
  4. Organizational OUs

There are certain things that you should remember while creating and applying GPO settings. As stated earlier there are computer settings and user settings of each GPO object. Computer settings are applied at startup of the client machine. User settings are applied at use logon. Policies refresh can be initiated manually by using, C:\ gpupdate /force command or C:\ Invoke-Gpupdate powerShell cmdlet.

In fresh domain controller there are two default group policy settings configured. They are:

  1. Default Domain Policy. This policy is linked to the entire domain and has policies like password policies, account lockout policies and kerberos protocol policies. It is recommended that not to edit this policy. If you want to link new group policy then create new GPO and link to the domain.
  2. Default Domain Controller Policy. This policy setting is applied to domain controllers and is linked to domain controllers OU. This policy affects domain controllers only.

You may also like –

  • Understanding Logical Structure of Active Directory
  • Install Domain Controller in Windows Server 2012
  • Install Remote Desktop Services in Windows Server 2012
  • Create User Account in Server 2012 Domain Controller
  • Configure Shadow Copy of Shared Folder in Server 2012
  • Configure FTP Server in Windows Server 2012
  • Script to Create AD User Accounts from MS Access File

01/09/2017

Posted In: NEWS

Tags: , , , ,

Leave a Comment

My LIC India – Life Insurance India Online #single #premium #whole


#

LIC Jeevan Lakshya endowment plan No.833 is launched by LIC. It is a limited premium paying endowment plan. It is a profit endowment assurance plan that provide profit as per the company experience in form the final additional bonus and simple reversionary bonus. These bonus are provided at the time of maturity. This policy plan mainly considers the minors and gives annual income benefit to the [Read more. ]

LIC New Children’s money back plan no. 832 is proposed by LIC of India to secure the future of the child. Even the parents are not there, it provides benefits at the various stages of life of a child also provide life protection of child in the form of insurance coverage. It is a non linked participating money back plan, It provides survival benefit to the child at the age of 18 years 20 years and [Read more. ]

LIC Jeevan Tarun (Table No: 834) is a non linked and participating endowment plan that provides insurance coverage to the children. It not only provide insurance coverage but also takes care the basic needs at the certain age of the child. Such as, for education, for marriage, for higher education etc. For meeting these needs, it provides survival benefits at the certain age there are four options [Read more. ]

LIC has launched Jeevan Umang Plan no. 845 on 16th May 2017. It is a non-link, with-profit, whole life assurance plan. LIC has launched a new plan called as LIC Jeevan Umang (845) on 16th May 2017. This newly introduced plan is a non-link plan with low risk return options and guaranteed maturity benefits. The policy holder gets benefited from this plan by the annual survival pension without [Read more. ]

LIC Jeevan Labh (Plan no. 836) is Limited Premium Endowment Plan. This is not linked plan, means it is not going to affect the insurance policy in case of ups and downs in share market. It is a saving as well as protection plan for the policy buyers. The policy is made in such a way that the buyer can have fixed period of 16 years or 21 years or 25 years as per his choice as the term of policy. In [Read more. ]

Aam Aadmi Bima Yojana (AABY) launched by department of Finance services of central government on 2nd October 2007. Mainly launched for the landless and backward people of India to provide them security by the government. This scheme is mainly launched for the BPL family and also the family who are staying in the areas where the all one facilities like hospitals and schools are not available so [Read more. ]

This is an Insurance Scheme launched by our Prime Minister in 2015 according to this the policyholder will get the life insurance coverage for death due to any reason. This is an annual policy that is to be renewed every year and individual can take the benefits of this scheme by LIC and other insurance companies who were engaged in this scheme. Also the person who wants to have Pradhan Mantri [Read more. ]

February 25, 2017 by Anushka

LIC’s Jeevan Pragati Plan 838 is a non-link Insurance plan, with profits plan. It offers a combination of protection and savings. This plan provides automatic increase in risk cover after every 5 years during the term of the policy. Apart from this, policyholder can also take loan against this policy. LIC Jeevan Pragati Benefits: Death benefit In case of death during the policy term, [Read more. ]

LIC has decided to start Digital policies in coming days and there will be no hard paper copy of the Insurance documents like Bond Paper. This is a good move as physical papers are easy to get damaged or lost due to various circumstances. Your E-insurance policy details will be kept in Digital Account like Mutual Fund and Shares are kept in Demat account through repository. Currently, IRDA [Read more. ]

November 21, 2014 by Tabrej

LIC Jeevan Shagun Single Premium, Money Back Plan (Table No. 826) It’s a close ended plan, Available for 90 days from 1st November 2014. Features: Single Premium Money Back Plan 10 times sum assured Loan Surrender available from 2nd year onward 12 Year Term Surrender any time. Death Benefit: If policy holder dies within 5 years, Basic sum assured i.e 10 times of your [Read more. ]


25/08/2017

Posted In: NEWS

Tags: , , , ,

Leave a Comment

Getting Home Insurance Claims Paid – Consumer Reports #flood #insurance, #insurance,


#

Please Refresh Your Browser Window

How to get your homeowners insurance claim paid

W hen a storm slams through your front door or another catastrophe strikes, the whim of fate can determine the severity of damages you suffer. But when it comes to how easily you can pick up the pieces, your destiny may have been decided a decade or more ago—when you chose your home insurer.

Greg Rasp of Bellbrook, Ohio, survived a close call with a tornado and hail in May 2011, then got too little attention from State Farm. It took the nation’s largest home insurer two weeks to send an adjuster, and they were slow to pay Rasp’s $75,000 claim, leaving him out of pocket for thousands of dollars. State Farm rated in the middle of the pack, according to the latest Consumer Reports National Research Center survey of more than 9,900 subscribers who filed homeowner’s insurance claims from 2010 through the first three months of 2013.

Peter Andrew and Andrea Von Amelunxen, on the other hand, got “stellar” service from top-rated Amica. Their less-terrifying brush with 3 feet of snow and ice dams on the roof of their Connecticut home caused around $30,000 in damage from melt water that trickled down walls, across ceilings, and over hardwood floors. Amica handled the claim over the phone, had an estimate the next day, fixed what was needed without disagreements, and paid up within a week. “We were blown away,” Andrew says.

Many consumers shop for homeowners insurance once, then forget about it. Home-loss claims are uncommon to begin with, and losses tend to be relatively small. That means consumers don’t develop much experience shopping for the product and rarely get a chance to “test” firsthand how it performs.

When the intake line for one of Bob Ridout’s hot water tanks burst, water poured into his basement for 24 hours. Baseboard, drywall, carpeting, and tile were damaged to the tune of $30,000. USAA’s remediation crew swooped in 90 minutes after Ridout called. They vacuumed up the water and set up fans and dehumidifiers that ran all night. Early the next morning, 10 people arrived to continue the cleanup. “I paid my $1,000 deductible, and we never had any issues,” Ridout says.

Our readers judged Amica, USAA, and Auto-Owners more favorably than most other insurers on satisfaction, as our Ratings on page 43 show. Amica especially stands out for earning the top spot in our Ratings for as long as we’ve evaluated that service. It’s a distinction earned through seven surveys dating back to 1988, including this one, involving more than 140,000 homeowners.

Companies can be fickle. James Lipsett and his husband, Paul LaRiviere, were happy with the service they got from State Farm on their $35,000 water-damage claim caused when their second-floor toilet overflowed and drenched their Morro Bay, Calif. home. But less than a year later, the Good Neighbor people sent the couple a notice of non-renewal because of the claim. “Both of us felt betrayed by State Farm,” Lipsett says. State Farm declined to comment on the matter.

Hurricane test: Insurers doing better

In Brick, N.J. signs of the devastation remained months after Sandy.

Devastating though it was, Superstorm Sandy was no Katrina, the most destructive hurricane in modern U.S. history. And home insurers did a better job handling claims of victims of Sandy than of Katrina.

Twenty-seven percent of readers who filed claims related to Sandy, which walloped the Northeast in 2012, had problems with their insurer’s claim handling or payment. Seventy-nine percent were satisfied with how their home insurer performed.

That’s vastly better than homeowners’ experience with Katrina in 2005, when 50 percent of claimants suffered problems and only 51 percent were highly satisfied.

But Katrina, a category 3 hurricane, packed winds of up to 130 mph. Sandy had weakened below hurricane strength when it made landfall in New Jersey. And despite Sandy’s catastrophic storm surge along the densely populated and pricey New York and New Jersey coasts, the storm’s $50 billion in damages were less than half of Katrina’s $108 billion.

Meanwhile, insurers have gotten more tight-fisted. Our readers got reimbursed for 80 percent of their losses from Katrina but for only 71 percent of losses from Sandy.

Prepare for a fight

The basement and garage of this Long Beach. N.Y. took in more than 5 feet of water.

As hurricane season 2014 revs up, with potential for large-scale losses. now’s the time to learn how to push back against your insurer. Justin Rubin, a retired insurance claims executive whose Long Beach, N.Y. home sustained significant damage from Superstorm Sandy in October 2012, didn’t let his insurer (he prefers not to name it) deny coverage by blaming flooding, which was not covered. He argued that some of the damage in the basement was caused when the plumbing system backed up before the storm surge, and the insurer paid.

Justin Rubin of Long Beach, N.Y.

Prepare long before a disaster. “Find a reliable agent or broker, and ask questions right now, before you suffer a loss,” Rubin says. Ask about the house value and the applicable “minimum” coverage required to get full protection in a total loss, review the “perils” listed in the policy, and fill “exclusion” gaps with separate insurance for flood, hurricane. or earthquake, based on the threats you face in your region. (Watch our videos, below, on flood insurance, generators, chain saws, and other emergency-related subjects.)

Befriend a good contractor today

The beauty of trees on your property belies the hidden hazard that one could topple onto your house, maybe without warning. There was no storm, wind, or other signal when a neighbor’s huge oak came crashing through David and Mai Queen’s Arlington, Va. home in the middle of the night in September 2012. A large section of the tree trunk landed in their bed. Luckily, the Queens were visiting friends in Belgium at the time.

The standard homeowner’s policy covers damage caused by trees that fall on insured buildings on your property plus the cost of removing the tree itself, generally subject to a $500 or $1,000 limit. USAA covered the Queens’ $40,000 in damages without trouble and began the claims process and repair immediately, without requiring the couple to cut their vacation short. But they’d have been on their own if the tree simply had landed on the ground.

Linda Paustian of La Porte, Ind. found out about that exclusion after a violent thunderstorm dropped hard maple and red oak trees on her 1895 arts and crafts bungalow and all over her property in June 2010. “Before the storm, we had about 11 large trees on our property. After the storm, we had 30 to 40 trees in the yard,” she says. State Farm paid $6,000 for the cost of removing trees that struck the house but nothing for the additional almost $6,000 needed for tree and debris removal and stump grinding.

Know the limits of your policy. If your neighbor’s tree hits your house, your policy covers it, not theirs. If a tree falls on your car, your auto insurance pays—if you have comprehensive coverage. Lastly, have a plan for tree removal. either sufficient savings to pay a pro or do-it-yourself skill in safely taking a chain saw to big timber.

Surprise troublemaker: Your mortgage company

When Tim Haynes of Nashport, Ohio, lost the roofs of his home and barn due to wind, State Farm promptly paid the $52,000 claim, and the roof on his home was repaired. But an unlikely interloper held up $42,000 of the settlement for the barn: Haynes’ mortgage company.

Many homeowners are surprised when their settlement check also has their mortgage company’s name on it, a fact of life that aims to keep irresponsible claimants from blowing the money in Vegas instead of repairing the lender’s collateral. So the bank will demand that forms be filled out before funds are released, often in stages as work is completed. There may be inspections of the work, and—of course—extra bank fees.

“If you have a mortgage, be prepared for lots of extra steps to get your payment,” one claimant advises. After you file your claim, contact your mortgage company to find out how to get the settlement check endorsed and deposited to your or the lender’s escrow account.

Tap buried treasure

The promise of home insurance is to restore your house to pre-loss condition. But sometimes you can do even better. A number of readers were able to get materials upgrades, including wind-resistant garage doors, safety window glass, and new carpeting by paying the incremental extra cost on top of what the insurer was going to pay. One Colorado homeowner whose neighborhood was hit by hail damage got a $1,000 “referral fee” (equal to his deductible) and received upgrade replacement shingles from his roofer for referring other homeowners to him. Another homeowner, whose hallway wood floor buckled after a small, slow powder-room leak, was delighted to learn that his insurance would cover replacement not only of the damaged flooring but also of the flooring contiguous to it—and so got new wood floors for the entire downstairs of his house.


23/08/2017

Posted In: NEWS

Tags: , , , , , , , , , ,

Leave a Comment

Term Life Insurance Policies – RBC Insurance #term #life #insurance #policy


#

Term Life Insurance

You are on: Overview

Why choose term life insurance?

Term life insurance is simple to buy and easy to afford. This makes it the ideal way for young families to get the financial security they need.

Our plans provide protection for 10 to 40 year periods. If you die within the covered period (3). your beneficiaries receive the amount of the policy tax-free (4) and can use this money any way they want. For example, they can use it to:

  • Maintain their lifestyle and pay day-to-day expenses
  • Pay for your children’s education
  • Pay off loans and debts
  • Cover expenses like funeral costs

Select the term that’s right for you.

Term life insurance covers you for 10 to 40 year periods. Coverage automically renews annually after the initial Term until age 100 at which time coverage continues but premiums are no longer required.

You can also convert our term life insurance policies into permanent life insurance or universal life insurance until you are 71 years old without answering questions about your health or taking a medical exam (2) .

How much coverage do you need?

A general rule is 5-7 times your salary. So if your annual income is $40,000, you may want to purchase at least $200,000 in term life insurance.

We offer the following coverage options:

  • RBC Simplified Term Life Insurance
    Coverage under $500,000, with any term between 10 to 40 years.
  • Your Term Life Insurance
    Coverage from $500,000, with any term between 10 to 40 years.

Get Your Quote Today

Start your quote or call us today to apply for the life insurance protection your family needs. After getting a quote, you may be eligible to buy your coverage online.


16/08/2017

Posted In: NEWS

Tags: , , , , , , , , , , , , , ,

Leave a Comment

Adding a named driver on car insurance #adding #a #car #to


#

Adding a named driver on car insurance: all you need to know

If your friend asks to borrow your car for the day, or you want your daughter to be able to drive your car, you need to make sure that appropriate insurance is in place. Here we answer your questions on additional, named drivers.

What is a named driver?

A named driver is a someone who is insured to drive a vehicle in which another person does most of the driving. When driving that vehicle, the named driver will have the same level of cover as the main driver.

Can I add another driver to my insurance policy?

Yes. You can normally add one or more drivers to your existing car insurance. If it’s a new policy, you can simply provide the details when you take out the cover.

What will the insurer need to know about the additional driver?

The insurer will typically want to know the name, age, marital status, address and occupation of any additional drivers. Plus, you will have to give information about any accidents or motoring convictions.

How much does it cost to add a driver to my policy?

If you are adding a driver to your existing insurance, you might have to pay a fee to amend the policy, which could be about £30. The effect on the premium depends largely on the risk profile of the additional driver. If you are a parent and want to add a young driver to your policy, the price could be high because younger motorists are statistically riskier than older drivers. On the other hand, if you have just passed your test and want to add your mother or father to your insurance as a named driver, you could earn a discount on your premium.

Is the additional driver different from the main driver?

Yes – and you should not confuse the two. Some people put the additional driver down as the main driver in order to reduce the insurance premium (usually a parent claiming to be the main driver on one of their children’s policies). This is a practice known as ‘fronting ’, which is illegal and could lead to a criminal conviction. It could also invalidate your insurance and make it more difficult and more expensive for you to buy cover in the future.

What happens if the additional driver has an accident?

If the additional driver causes an accident in your car and you have to make claim, it will affect your no claims discount, even if you were nowhere near the vehicle at the time.

Can I add a driver onto my policy permanently?

You can normally add a driver for the duration of your policy. Alternatively, many insurers allow you to add a driver temporarily. The temporary period is usually about 90 days, though it does not have to be taken all at once.

Can my insurer refuse an additional driver?

Some insurers automatically refuse to cover learner or young motorists as additional drivers. If the person has a poor driving history, they might also be turned down. Some insurers will charge a high amount as a way to deter you from adding a driver they don’t want to insure.

Do I need to tell the driver that I have added their name to my policy?

Yes. You cannot add a driver to your policy without their permission. So, always ask first. This is another defence against ‘fronting’.

Should additional drivers inform their own insurers?

If the additional driver has their own policy, they should tell their insurer that they are covered to drive another vehicle as an additional driver.

Do I need to bother adding drivers to my policy if they already have their own insurance?

Some insurance policies cover the main policyholder to drive another vehicle with that vehicle owner’s permission. However, it is not always the case, and any cover is likely to be third party only, even if the main policy is comprehensive. You should not therefore assume that adequate insurance is in place.

Can I include additional drivers when I search for motor insurance quotes?

MoneySuperMarket’s comparison service allows you to name up to three additional drivers when you are looking for the best deal on your motor insurance. So the price you are quoted will reflect the actual scope of the insurance you’re looking for.

I’m a named driver on another car, can I drive it in other EU countries?

If you’re a ‘named’ driver on someone else’s policy, you can drive abroad, although you’ll most likely only have third party cover, so you might want to pay for more protection. Remember the main driver must do the majority of the driving, so if you drive the car more than them (say you cover more miles during the trip), any claim you have to make could be challenged.

Did you enjoy that? Why not share this article

  • Share this article on Facebook
  • Share this article on Twitter
  • Share this article on Google
  • Share this article on LinkedIn

Contact moneysupermarket.com at Moneysupermarket House, St David’s Park, Ewloe, Flintshire, CH5 3UZ. © Moneysupermarket.com Ltd 2013

Moneysupermarket.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190).
Moneysupermarket.com Financial Group Limited, registered in England No. 3157344. Registered Office: Moneysupermarket House, St. David’s Park, Ewloe, CH5 3UZ. Telephone 01244 665700

Here’s some important information about the services MoneySupermarket provides. Please read and retain for your own records. About our service

We use cookies to give you the best experience. By using our website you agree to our use of cookies in accordance with our Cookie Policy


14/08/2017

Posted In: NEWS

Tags: , , , , ,

Leave a Comment

A history of cloud computing #cloud #computing #security #policy


#

A history of cloud computing

lebigmac – 24 Nov 2015 5:56 PM

Cloud computing is just another step in the history of communication or – to be more specific – language. Similarly, mathematics is a language. Cloud computing is a huge step. It saves a lot of time, if we ignore the fact that have to earn money working at least dozens of hours a week first, in order to buy equipment required to use cloud computing. Apparently, the better quality of the equipment is, the higher the price gets. The higher the price gets, the longer earning that particular amount of money takes. Honestly, I would be devastated, if I lost mobile access to my professional, academic and personal resources. I am addicted, but cloud computing is also a history of knowledge as commodity. Why does one still have to pay for knowledge? Are there any logical arguments in favor of maintaining status quo? What can we – as humanity – achieve by letting everyone free access to all achievements of human thinking? That was a long digression.

reem21 – 3 May 2017 6:22 PM

Thank you so much, the information is very helpful.

ArmCon – 18 May 2017 6:17 PM

Here in Italy, a man who claims to be a “computer engineer” ( never specifying where he graduated, just in the U.S.A.), also claims to have invented the cloud, to have hundreds of cloud related patents, and to be in the University of New Hampshire’s top 100 inventors list. His name is Agostino Sibillo. Have you ever heard of him?

Latest TechTarget resources

Former Apple CEO and marketing guru John Sculley explains why in today’s tech-driven business world, adaptive innovation will be.

Data literacy is at the heart of new computing programs at two of the country’s premier private research universities. The Data.

SearchCIO’s Instagram snapshot of the 2017 MIT CIO Symposium explores the major sessions and themes of the event.

IoT cameras could be fully compromised due to multiple vulnerabilities, including hardcoded passwords that can be used regardless.

Nation-states have been carrying out attacks using RTF files with embedded malware. Expert Nick Lewis explains how OLE technology.

The EternalBlue exploit behind the WannaCry ransomware attacks has been successfully ported to an older version of Windows 10.

This week, bloggers look into Uila’s user experience tracking capabilities, the growth of SD-WAN, and the difference between.

The latest Cisco recertification program adds continuing education as an option to keeping the CCIE and CCDE current. But the.

The first Aruba core switch provides the performance, analytics and automation for supporting large campus networks with IoT.

Enterprise IT can manage local and public cloud workloads harmoniously in their data centers, according to HPE — as long as they.

As more organizations adopt SSDs, practices for storage optimization need to evolve. Learn how tactics, such as disabling.

Differences in cost and vendor support make it tough to choose a public cloud platform for RHEL deployment. Compare options from.

Deploying big data systems is just the first step for IT and data management teams. The next big challenge is setting up systems.

Big data, when managed properly, can be a blessing to businesses fighting to gain greater insights and a competitive edge in the.

As companies amass data from multiple sources, they lose control over data quality and accuracy. Like it or not, it’s time to.


13/08/2017

Posted In: NEWS

Tags: , , ,

Leave a Comment

Master of Public Policy – Graduate School of Public Policy #public


#

Master of Public Policy

Program Description

The Master of Public Policy (MPP) provides students with opportunities to conduct research and contribute to the study of public policy and the application of policy expertise in the real world. Students graduating from this program possess the research skills necessary to play integral roles in the civil service, research organizations and industry associations. Top students from this program may go on to doctoral programs in public policy.

The program is designed so that students can finish in as little as 16-24 months of studying full time. Upon entry into the program, each student is assigned a research advisor and an advisory committee.

Students entering the MPP program are required to participate in the Get Connected! academic orientation for new students, which is held in early September.

The Johnson Shoyama Graduate School of Public Policy (JSGS) made changes to the MPP program, which took effect for students who began in the fall 2011 semester. Those MPP students who started the program prior to then will be required to meet the program as it was constructed when they were admitted.

Research

As one of Canada’s leading schools for policy analysis and research, the Johnson Shoyama Graduate School of Public Policy is making a difference by concentrating its research capacity on three main priority areas:

JSGS faculty are committed to encouraging student involvement on research projects, grant applications, seminar series, and other opportunities for knowledge translation. As such the school has on average three to five fully funded fellowships to support Master of Public Policy students ($20K over 16 months) and doctoral students ($23K annually for three years).

Reseach Supervisors

It is not necessary to find a potential supervisor before you begin an application. The list below though may be helpful to learn about the individual research interests of our faculty.

Courses

Internships

Application Qualifications

Funding and Tuition


11/08/2017

Posted In: NEWS

Tags: , , ,

Leave a Comment

Travel Insurance Policy #britax #travel #system

#travel insurance quote
#

Travel Insurance

Traveling cross country, to another country or even to an interesting location nearby can be fun and exciting. Of course, when your travel plans take a sudden turn, those feelings of elation can fade quickly.

Through strategic partnerships, American Family offers a variety of insurance options to help protect you and your fellow travelers.

Global Medical Insurance

What would you do if you suddenly became ill while traveling in another country? American Family has a strategic partner that offers global medical coverage, providing you the freedom to choose any hospital or doctor for treatment. This 24/7 coverage is available for individuals and families.

Trip Cancellation Insurance

You plan for months to take the perfect vacation. But then life throws you a curve ball and you re stuck with two tickets to paradise and no chance of using them. American Family has a strategic partner that offers trip cancellation coverage, protecting you from losing money in case of a sudden illness, death in the family or a variety of other circumstances.

Mexico Auto Insurance

If you re planning a trip to Mexico and need auto insurance, we can help. Auto insurance policies issued and underwritten by American Family Insurance do not provide coverage for vehicles operated in Mexico.В  Therefore, American Family has contracted with International Insurance Group, Inc. to offer quotes and policies for Mexico auto insurance to provide coverage when you travel with your vehicle across the United States/Mexico border.

Note: You must report all claims before leaving Mexico, otherwise the coverage is void. Please see the policy for details and claim phone numbers. For further information, please contact your American Family agent.

Mexico Boat Insurance

Planning a trip to Mexico with your boat in tow? Don t forget to take Mexico boat insurance along as well.

Through American Family Brokerage, Inc. you can obtain $100,000 to $250,000 in liability coverage for most types of boats and jet skis, as well as $20,000 in legal assistance and bail bond coverage.

This policy does not cover physical damage for your boat.

Our Mexico watercraft policies are underwritten by ACE Seguros, an international insurance company in Mexico and around the world known for superior claims service.

webOTH-0001966 Rev. 01/15





10/08/2017

Posted In: NEWS

Tags: , ,

Leave a Comment

Cashing In Your Life Insurance Policy #life #insurance #policy #forms


#

Cashing in Your Life Insurance Policy

In tough economic times, people are sometimes left scrambling for cash to meet everyday expenses and lifestyle demands. Your life insurance policy is a possible source of funds – but should you tap into it?
There are certainly drawbacks to using life insurance to meet immediate cash needs, especially if you’re compromising your long-term goals or your family’s financial future. Nevertheless, if other options are not available, life insurance – especially cash-value life insurance – can be a source of needed income. (For the basics of building a life insurance policy, read Life Insurance: How to Get the Most Out of Your Policy and How Cash Value Builds in a Life Insurance Policy. )

Methods of Accessing Cash

Cash-value life insurance, such as whole life and universal life. builds reserves through excess premiums plus earnings. These deposits are held in a cash-accumulation account within the policy. (Learn the differences between these two types of insurance in Permanent Life Policies: Whole Vs. Universal .)

Cash-value life insurance offers the opportunity to access cash accumulations within the policy through withdrawals, policy loans, or partial or full surrender of the policy. Another alternative involves selling your policy for cash, a method known as a life settlement.

Be sure to bear in mind that although cash from the policy might be useful during stressful financial times, you could face unwanted consequences depending on the method you use to access the funds.

Withdrawals

Generally, it is possible to withdraw limited amounts of cash from a life insurance policy. The amount available differs based on the type of policy you own and the company issuing it. The main advantage of cash-value withdrawals is that they are not taxable up to your policy basis. as long as your policy is not classified as a modified endowment contract (MEC). (Read about another possible type of MEC in A New Approach To Long-Term Care Insurance .)

However, cash-value withdrawals can have unexpected or unrealized consequences:

  1. Withdrawals that reduce your cash value could cause a reduction of your death benefit – a potential source of funds you might need for income replacement, business purposes or wealth preservation.
  2. Cash-value withdrawals are not always income-tax free. For example, if you take a withdrawal during in the first 15 years of the policy and the withdrawal causes a reduction in the policy’s death benefit, some or all of the withdrawn cash could be subject to taxation.
  3. Withdrawals are treated as taxable to the extent that they exceed your basis in the policy.
  4. Withdrawals that reduce your cash surrender value could cause your premiums to increase in order to maintain the same death benefit; otherwise, the policy could lapse.
  5. If your policy has been classified as an MEC, withdrawals generally are taxed according to the rules applicable to annuities – cash disbursements are considered to be made from interest first and are subject to income tax and possibly the 10% early-withdrawal penalty if you’re under age 59.5 at the time of the withdrawal.

Loans

Most cash-value policies allow you to borrow money from the issuer using your cash-accumulation account as collateral. Depending on the terms of the policy, the loan might be subject to interest at varying rates; however, you are not obligated to financially “qualify” for the loan. The amount you can borrow is based on the value of the policy’s cash-accumulation account and the contract’s terms. (Can’t tell one clause from another? Read Exploring Advanced Insurance Contract Fundamentals to make sure you understand your coverage.)

The good news is that borrowed amounts from non-MEC policies are not taxable, and you don’t have to make payments on the loan, even though the outstanding loan balance might be accruing interest.

The bad news is that loan balances generally reduce your policy’s death benefit, meaning your beneficiaries might receive less than you intended. Also, an unpaid loan that is accruing interest reduces your cash value, which can cause the policy to lapse if insufficient premiums are paid to maintain the death benefit. If the loan is still outstanding when the policy lapses or if you later surrender the insurance, the borrowed amount becomes taxable to the extent the cash value (without reduction for the outstanding loan balance) exceeds your basis in the contract.

Policy loans from a policy that is considered an MEC are treated as distributions. meaning the amount of the loan up to the earnings in the policy will be taxable and could also be subject to the pre-59.5 early-withdrawal penalty. (Learn about withdrawals and loans as they apply to retirement accounts in Should You Borrow From Your Retirement Plan? )

Surrender

In addition to withdrawals and policy loans, you can surrender (cancel) your policy and use the cash any way you see fit. However, if you surrender the policy during the early years of ownership, surrender fees will likely be charged by the company, reducing your cash value. These charges vary depending on how long you’ve had the policy. In addition, when you surrender your policy for cash, the gain on the policy is subject to income tax, and if you have an outstanding loan balance against the policy, additional taxes could be incurred.

Although surrendering the policy can get you the cash you need, you’re obviously relinquishing the right to the death-benefit protection afforded by the insurance. If you want to replace the lost death benefit later, it might be harder or more expensive to get the same coverage.

Life Settlement

This concept is fairly simple. As the policy owner, you sell your life insurance policy to an individual or a life-settlement company in exchange for cash. The new owner will keep the policy in force (by paying the premiums) and reap a return on the investment by receiving the death benefit when you die. (Read more about the advantages and disadvantages of a life settlement in Profit from Unwanted Life Policies with Life Settlement .)

Most types of insurance are eligible for sale, including policies with little or no cash value, such as term insurance. Generally, to qualify for a life settlement, you (the insured) must be at least 65 years old, have a life expectancy of 10 to 15 years or less, and a policy death benefit of at least $100,000 (in most cases).

The primary advantage to a life settlement is that you can potentially get more for the policy than by cashing it in (surrendering the policy). The taxation of life settlements is complicated: The general treatment is that gain in excess of your basis in the policy is taxed to you as ordinary income. Be sure you get expert tax advice before signing over your policy.

Although life settlements can be a valuable source of liquidity. consider the following issues:

  1. You’re giving up control of the death benefit.
  2. The new policy owner(s) will have access to your past medical records and usually the right to request updates on your current health.
  3. The life-settlement industry is very marginally regulated, so there’s no guidance as to your policy’s value – it’s hard to determine whether you’re getting a fair price for your policy.
  4. Aside from the tax liability you could face, life settlements usually come with a cost – as much as 30% of your proceeds could be paid in commissions and fees, which reduces the net amount you receive.

The Bottom Line

Economic trouble can prompt you to contemplate liquidating assets for cash. Sometimes you might have no other choice, but when it comes to life insurance, think about why you purchased the policy in the first place. Do you still need the coverage? Are the policy’s beneficiaries depending on the death benefit if something happens to you?

You should also consider other alternatives before using your life insurance policy for cash. Some options might include borrowing against your 401(k) plan (see 401(k) Loans: What You Need to Know ), or taking out a home-equity loan (check out Home-Equity Loan vs. HELOC: The Difference ). Short of hitting the lottery. none of these options comes without mitigating issues, but based on your current needs and financial circumstances, some choices might be better than others.


04/08/2017

Posted In: NEWS

Tags: , , ,

Leave a Comment

Imperial Insurance Group #florida #insurance, #quotes, #policy, #affordable, #coverage, #medical, #auto


#

  • The right policy at the right price Customized policies, options and pricing plans to fit your budget.
  • An established network of trusted partners We shop your policy to all major insurance carriers.
  • dedicated, knowledgable friendly agents Personalized 24/7 claims service. We work for you.

Looking for affordable insurance in the state of Florida ?

Health

There are over 46 million people without health insurance in the US. We epresent the biggest names for Health Insurance Coverage in Florida.Assurant.

Life

Protect your family and your loved ones. We are a broker for over 40 well know Life insurance carriers so we can help find the best available coverage at the right price.

Auto

With some of the Highest rates in the country, Florida residents sometimes struggle to find affordable Personal and or Commercial Auto Insurance. Let us show you how to save.

Homeowners

We know exactly who’s offering the most competitive and affordable Homeowners, Content, Renters, Flood and Condo Insurance policies in your area.


We are Enrollment Specialists for The Affordable Care Act Health Insurance Plans!

Tax Services At Imperial Insurance Tax, we’re dedicated to preparing your personal, business, state and federal income tax returns to your absolute complete satisfaction. Our tax preparers will work side by side with you during the tax filing process to ensure you receive the highest level of service.


29/07/2017

Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , ,

Leave a Comment

California DUI Lawyers #alcoholic #beverages,alcoholic #substances,best #dui,border #style,calaveras,california #california,california #dui,california #lawyer,california


#

Click your county to be connected with local DUI attorneys in California.

Incurring a DUI Charge in California

It is imperative that you seek legal counsel from the best DUI lawyer in your area after being charged with driving under the influence in the state of California. A top lawyer knows the ins and outs of the DUI laws in the state and will represent you to the fullest ability. Don’t get stuck having to pay exorbitant fines, having your license revoked or undergoing community service; the expert DUI lawyer you choose from our network will ensure that your charges are dropped or dismissed. Call today to get your DWI claim underway.

Dealing with a driving under the influence charge in California is not easy. Even first time offenders don’t get off very easily and are hit with severe penalties. The most difficult aspect about incurring a DUI in the state is that DWI laws can vary greatly from city to city. However, California as a whole is tightening the reins on DWI punishments.

As of this year, motorists will have larger penalties when it comes to driver’s license suspension and revocation. The state also has employed a “no tolerance” policy for anyone who is caught driving under the influence under the age of 18 and for repeat drunk driving offenders. If you have incurred a DUI in California, the best thing to do would be to hire an elite team of Los Angeles DUI lawyers to help you fight your charges, and we are here to ensure you partner up with your ideal paralegal.

General Laws in California

The state of California has very strict penalties for DUI offenders that are minors, offenders under 21 years of age and for repeat offenders. Laws in California state that a motorist may be charged with driving under the influence (DUI) if any of the following circumstances are present:

• If you are under the age of 21 and are operating a vehicle after consuming alcoholic beverages. Persons under 21 may not have any alcoholic substances in their vehicle when driving alone. (Exceptions may be made for work-related driving).
• If you are under the age of 21 and your BAC level is .01 percent or higher.
• If you are under the age of 21 and are driving after having consumed alcohol in any form. This includes prescription drugs and over the counter medications.
• If you are over the age of 21 and your BAC level is .08 percent or higher.
• If you are a commercial driver with a BAC level of .04 percent or higher
• If you are under the age of 18 and have ANY measurable blood alcohol concentration.
• If you are a repeat offender and your BAC level is at .01 percent or higher.

How DUI Offenders are Penalized in California

If you have incurred a DUI in California and are found guilty, the following are the punishments that you may be issued:

1st Conviction

• Imprisonment from 96 hours to 6 months
• Fines from $1,000 to $1,600
• Driver’s license suspension for 6 months
• Mandatory completion of DUI Program
• Possible court order to install ignition interlock device
• California SR-22 Insurance required for restricted license

2nd Conviction

• Imprisonment from 90 days to 1 year
• Fines from $1,000 to $1,900
• Driver’s license suspension for 2 years
• Mandatory completion of DUI Program
• May be eligible to apply for interlock ignition device (IDD) restricted driving
• California SR-22 Certificate required for restricted license

3rd Conviction

• Will be designated Habitual Offender
• Imprisonment from 120 days to 1 year
• Fines from $1,000 to $2,000
• Driver’s license suspension for 3 years
• Mandatory completion of DUI Program
• Mandatory installation of ignition interlock device
• May apply for restricted driver’s license after 1 year
• California SR-22 Certificate required for restricted license

4th Conviction

• Imprisonment from 180 days to 1 year
• Fines from $1,000 to $3,000
• Driver’s license suspension for 4 years
• Mandatory completion of DUI Program
• Mandatory installation of ignition interlock device
• May apply for restricted driver’s license after 1 year
• California SR-22 Certificate required for restricted license

Repeat Offenders

California has a zero tolerance police for repeat DUI offenders. As such, the maximum possible penalty for driving under the influence may be issued to motorists who are convicted. Repeat Los Angeles DUI offenders may be denied application for a restricted license as well. The state of California takes all previous charges into account when issuing penalties for a new one. This may lead to a motorist being charged with a misdemeanor or felony DWI. All repeat DUI punishments are also affected by where the driver was issued the charge as well as the driver’s BAC level at the time of arrest.

Recent Amendments to California DUI Laws

As of 2011, California DWI laws have expanded the number of categories by which the Department of Motor Vehicle (DMV) can immediately suspend driving privileges when the motorist is suspected of driving under the influence.

As of 2010, California law requires the mandatory installation of ignition interlock devices. The state also shortened the time period in which driving penalties are restricted, including those for repeat offenders. In order for the penalty period to be shortened, motorists must pay all required fees and file an SR-22 insurance form.

California Assembly Bill 91 – Requires that ignition interlock device manufacturers provide information to the Department of Motor Vehicles. Also requires the DMV to establish a pilot program in Alameda, Los Angeles, Sacramento and Tulare that requires a driver to install an interlock ignition device and to participate in alcohol and drug assessment programs.

California Assembly Bill 1165 (Zero Tolerance Law For Repeat Offenders) – Makes it unlawful for a motorist under probation for a violation to operate a motor vehicle with a BAC level of .01 percent or higher.

California Senate Bill 1190 (Ignition Interlock Devices) – Lowers the minimum BAC level at the time of arrest to allow a motorist to install an ignition interlock device on their vehicle as well as prohibits said motorist from operating the vehicle without the device.

California Senate Bill 1388 (Interlock Devices) – Effective July 2009, requires motorists to install an ignition interlock device immediately on their vehicles following conviction of violating DUI provisions as well as driving under a suspended/revoked license due to DUI-related convictions. The number of violations will determine the time period in which the device must remain installed.

California Assembly Bill 2802 (Reckless Driving) – Court must order DWI convict to participate in a program related to DUI education and treatment. Probation will be revoked if motorist does not enroll in the program.

California SR-22 Insurance Click here for SR-22 Insurance

If you have been convicted of drunk driving in California, you may be required to obtain a California SR-22 insurance policy. Also known as a California Proof of Insurance Certificate,” the SR-22 form is not a type of insurance, but a form of proof that you have certain types of insurance. It is filed by the driver’s insurance company to the state DMV stating that auto liability insurance is in effect for the motorist. It is typically required after a motorist has been charged with DWI, a number of other traffic offices, or an accident in Los Angeles, San Diego or San Francisco.

In California, if your license is suspended you are allowed to obtain a restricted license by the court, for which an SR-22 form may be required. If your auto insurance is cancelled, you will need to file for a new insurance plan within 45 days.

Seek Legal Help Immediately if You Were Charged with California DWI

If you have been charged with DUI, time is of the essence to fight your charges. Since penalties in the state are so severe, you need a top drunk driving lawyer to help you contest your charges. We are here to provide you with connections to the best and most sought-after attorneys in California who will take on your case and ensure the best possible resolution for it.

When you work with one of our elite Los Angeles, California DUI lawyers, you can rest assured that your charges will either be significantly reduced or even wiped out altogether. For superior legal counsel that you can rely on, turn to one of our esteemed California DUI attorneys today to discuss your options and file a case.


24/07/2017

Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Leave a Comment

Master of Public Policy – Graduate School of Public Policy #public


#

Master of Public Policy

Program Description

The Master of Public Policy (MPP) provides students with opportunities to conduct research and contribute to the study of public policy and the application of policy expertise in the real world. Students graduating from this program possess the research skills necessary to play integral roles in the civil service, research organizations and industry associations. Top students from this program may go on to doctoral programs in public policy.

The program is designed so that students can finish in as little as 16-24 months of studying full time. Upon entry into the program, each student is assigned a research advisor and an advisory committee.

Students entering the MPP program are required to participate in the Get Connected! academic orientation for new students, which is held in early September.

The Johnson Shoyama Graduate School of Public Policy (JSGS) made changes to the MPP program, which took effect for students who began in the fall 2011 semester. Those MPP students who started the program prior to then will be required to meet the program as it was constructed when they were admitted.

Research

As one of Canada’s leading schools for policy analysis and research, the Johnson Shoyama Graduate School of Public Policy is making a difference by concentrating its research capacity on three main priority areas:

JSGS faculty are committed to encouraging student involvement on research projects, grant applications, seminar series, and other opportunities for knowledge translation. As such the school has on average three to five fully funded fellowships to support Master of Public Policy students ($20K over 16 months) and doctoral students ($23K annually for three years).

Reseach Supervisors

It is not necessary to find a potential supervisor before you begin an application. The list below though may be helpful to learn about the individual research interests of our faculty.

Courses

Internships

Application Qualifications

Funding and Tuition


21/07/2017

Posted In: NEWS

Tags: , , ,

Leave a Comment

The Benefits of Purchasing a Multi-Trip Annual Travel Insurance Policy #travel

#yearly travel insurance
#

The Benefits of Purchasing a Multi-Trip Annual Travel Insurance Policy

Updated: June 27, 2011

While it may not actually be a secret, many people are unfamiliar with the annual, multi-trip travel insurance policy. Unlike single-trip policies that only cover you for one trip, an annual travel insurance policy offer you emergency medical coverage for every trip you take within 12 months of buying your policy.

Add it up and save

At first glance, getting annual travel insurance may seem like overkill, but just think of how many times you may have travelled in the last year: family vacations, business trips (get tips for business travellers ), spring break getaways, and weekend jaunts across the border for shopping or sporting events. Add it all up and often an annual policy works out to be cheaper than purchasing a single-trip policy per trip in a year and in some cases, it’s even cheaper than buying just one!

The annual policy advantage

An annual travel plan is valid for 12 months, and you can travel as many times as you like during the year, as long as you don’t exceed the maximum trip duration for the policy which you’ve purchased, generally 15 days in length. There is more choice than this however, including nine, 16, and 18-day multi-trip travel insurance plans as well, so there is room for flexibility.

The biggest advantage of purchasing annual travel insurance is that you don’t need to arrange for emergency medical coverage for each separate trip you take, which means you’re not only saving money, but time as well.

How the savings can apply to you

While every person’s travelling situation is unique, the following realistic scenarios show how an annual policy might be the right choice when it comes time to buy travel insurance in Canada .*

Single 25-year olds

Do you take frequent trips for some cross-border shopping. Travel to the U.S. for sporting events? If you take more than 2 weekend trips a year, you’ll save money with an annual policy.

Couples between the ages of 25-35

For couples, where coverage applies to both travellers, all it takes for an annual policy to be the cost-effective purchase is:

  • Two weekend trips and a one-week holiday, or
  • One two-week holiday and one jaunt across the border for a weekend.

Families with children

If you’re a family with young children and you typically take one two-week vacation a year, it may cost less to get an annual travel insurance policy, where coverage applies to all family members, rather than getting a single-trip travel insurance policy.

Couples aged 60-70

Do you take more than two 14-day vacations a year? You may save on your travel insurance by purchasing annual travel insurance over single-trip insurance.

Annual travel insurance can save you money

So whether you’re already a frequent traveller, or are planning to travel a fair bit over the next year, getting annual travel insurance may save you more than you think.

Using KANETIX, compare multi-trip travel insurance quotes to see if based on your unique travelling schedule you could be saving money with an annual travel insurance policy today.

Looking for more money-saving travel insurance tips? Don’t forget to:

* The cost comparisons between the single trip and multi-trip policies referred to in this article are based on quotes obtained in June, 2011.





05/07/2017

Posted In: NEWS

Tags: , , , , , , , , ,

Leave a Comment

What is records retention schedule? Definition from #email #retention #policy


#

records retention schedule

A records retention schedule is a policy that defines how long data items must be kept and provides disposal guidelines for how data items should be discarded.

Download this free guide

Download: Top FAQs regarding the impact of 4 common compliance regulations

IT operations are sometimes unexpectedly affected by major audit regulations – is your IT team prepared? Explore the critical role your IT team plays in ensuring compliance and review the penalties for non-compliance by downloading this FREE e-guide, which covers any questions you might have regarding 4 major legislative regulations.

By submitting your personal information, you agree that TechTarget and its partners may contact you regarding relevant content, products and special offers.

You also agree that your personal information may be transferred and processed in the United States, and that you have read and agree to the Terms of Use and the Privacy Policy .

Records retention schedules, also called data retention schedules, are determined by the record type and the business, legal and compliance requirements associated with the data. Retention schedules establish guidelines regarding how long important information must remain accessible for future use or reference, as well as when and how the data can be destroyed when it is no longer needed.

The schedules are determined based on data type and ownership, and consider aspects such as the data’s business value and associated regulatory compliance mandates. They often outline the business reason for retaining specific records, and designate what should be done with the data when it is eligible for disposal. Records retention schedules are designed to help maintain information governance -related regulatory compliance, as well as assure record disposal processes are legally defensible. As data volumes continue to grow at many businesses, records retention schedules can also help reduce records management and storage costs by disposing of data no longer relevant to business processes.

Records retention schedules are often part of a data retention policy. an established protocol for retaining information based on business needs.

This was last updated in September 2014

Continue Reading About records retention schedule

Related Terms

autoclassification Autoclassification is an intelligent technology found in some content management systems (CMS) wherein documents are scanned and. See complete definition IT Governance Institute (ITGI) The IT Governance Institute (ITGI) is an arm of ISACA that provides research, publications and resources on IT governance and. See complete definition predictive coding Predictive coding software can be used to automate portions of an e-discovery document review. The goal of predictive coding is. See complete definition

Dig Deeper on Business records management


17/06/2017

Posted In: NEWS

Tags: , ,

Leave a Comment

Buy Travel Insurance Policy Online from Thomas Cook India #travel #money

#online travel insurance
#

Travel Insurance Plan

Here is a chance for you to book your travel insurance online. Thomas Cook’s travel insurance policy is a new opportunity in travel insurance India. The plan offers coverage for personal accident, medical expenses and repatriation, loss/delay of checked baggage, loss of passport, curtailment/ Cancellation and much more.

It also takes care of other matters related to the world of travel. There are policies catering to the specific needs of all concerned — be it a student, a corporate executive, a senior citizen or a family.

Thomas Cook’s new travel insurance policy is ready to offer a hassle-free travelling experience. If you want to book your travel insurance online, then Thomas Cook’s insurance policy may just be the answer for you.

The insurance policy is set to be a new chapter as far as travel insurance India is concerned.

Be it business or leisure — the plan takes care of all requirements, courtesy of its travel insurance policy and kit.





11/06/2017

Posted In: NEWS

Tags: , , , , , , , ,

Leave a Comment

With policy update, Tauck cracks down on discounting: Travel Weekly #travel

#pavlus travel
#

With policy update, Tauck cracks down on discounting

Tauck is saying “no more” to discounting.

In an email sent to travel agents, the high-end tour operator issued an updated marketing and commission policy, effective Sept. 1, stating that “never in our 90-year history have we promoted our journeys based on price, as we firmly believe that doing so would seriously undermine a premium brand such as Tauck that has been built on superior quality, service and value.”

In a two-page document. Tauck outlined a series of criteria travel sellers must follow in order to book Tauck products.

Among the standouts are that travel agents cannot advertise or promote any Tauck product for a price less than the published Tauck fare.

Additionally, agents may not pass along their commission rebates to guests — a common discounting workaround — and Tauck is capping at $150 any value-added items or services that agents provide their clients.

“I know many agents who spent a lot of time selling Tauck only to lose the sale over a 5% rebate their client found online,” Steven Spivak, Tauck’s vice president of global sales, wrote in an email. “Hopefully, with this policy that all goes away, and there is a restoration of faith.”

Not allowing discounting isn’t new for Tauck. The company said it has had a no-discounting policy in place for almost a decade.

But it appears that Tauck is now taking a harder tack on that policy. Do an Internet search for “Tauck discount,” for instance, and several large online retailers such as AffordableTours.com and TourVacationsToGo.com crop up in the top search spots. Further, the resulting URLs often have the word “Tauck” within them, which the operator claims creates confusion.

To avoid that confusion, the new policy states that the Tauck name may no longer be used in domain names, sub-domain names or website URLs not owned by Tauck.

It also stipulates that the Tauck name cannot be associated with the words “discount,” “rebate,” “on sale,” “save %,” “save $$,” “gift card,” “gift certificate,” “gift,” “cost,” “low cost,” “price,” “lowest price,” “best price,” “beat any price,” “special price” or similar terminology.

“The integrity of our brand and our guest experience was being compromised,” Spivak wrote. “We have always asserted that the price is the price is the price, so regardless of what channel a guest chooses to purchase their Tauck experience through, they will pay the same price as all other guests.

“Rebating is at odds with that value. And whether you call it a rebate or a discount or a reward or an incentive, it is all the same. And unfortunately it rears its head when guests are sitting at the dinner table on tour, and those are not productive conversations. That diminishes the experience for everyone.”

There are some additional items outlined in Tauck’s 2015 Marketing and Commission Policy that agents are advised to note, as well.

For example, there is an item called “booking transfer fee,” stating that if a booking originally placed by a guest with Tauck is then transferred to an agent more than a week after the original booking, Tauck reserves the right to charge the agent a $250 fee per guest.

There are some competitive issues, as well. The policy states that travel agent websites may not employ excessive repetition of Tauck’s name or Tauck’s copyright-protected materials to populate their site in an attempt to skew search results.

Agent websites will also be prohibited from using a Tauck-related search to redirect users to another page with unrelated content.

Tauck isn’t the first operator to take a strong stance against the price-driven online discounting marketplace.

Four years ago, Collette completely stopped selling to three big online discounters: AffordableTours.com, Pavlus Travel and TouringForLess.com.

Asked if the new policy was an effort to communicate to large online agencies that Tauck, too, did not want to do business with them, Spivak said, “Some of these agencies employ outstanding advisers who are passionate and knowledgeable about our product. They represent us well, and we hope they will adapt to this policy and continue to be partners of Tauck.”

Spivak acknowledged that for some companies, discounting is key to their revenue management strategy and that there will always be consumers who will shop based on price.

He added that he did not see this new policy rollout as the severing of old ties but as an opportunity to forge new ones under slightly different terms.

“For premium brands like Tauck, we see great opportunity for those who discounted or rebated in the past to use their incredible Web expertise and knowledge of our product to continue to grow their businesses,” Spivak said.





22/05/2017

Posted In: NEWS

Tags: , , , , , , , , ,

Leave a Comment

With policy update, Tauck cracks down on discounting: Travel Weekly #budget

#pavlus travel
#

With policy update, Tauck cracks down on discounting

Tauck is saying “no more” to discounting.

In an email sent to travel agents, the high-end tour operator issued an updated marketing and commission policy, effective Sept. 1, stating that “never in our 90-year history have we promoted our journeys based on price, as we firmly believe that doing so would seriously undermine a premium brand such as Tauck that has been built on superior quality, service and value.”

In a two-page document. Tauck outlined a series of criteria travel sellers must follow in order to book Tauck products.

Among the standouts are that travel agents cannot advertise or promote any Tauck product for a price less than the published Tauck fare.

Additionally, agents may not pass along their commission rebates to guests — a common discounting workaround — and Tauck is capping at $150 any value-added items or services that agents provide their clients.

“I know many agents who spent a lot of time selling Tauck only to lose the sale over a 5% rebate their client found online,” Steven Spivak, Tauck’s vice president of global sales, wrote in an email. “Hopefully, with this policy that all goes away, and there is a restoration of faith.”

Not allowing discounting isn’t new for Tauck. The company said it has had a no-discounting policy in place for almost a decade.

But it appears that Tauck is now taking a harder tack on that policy. Do an Internet search for “Tauck discount,” for instance, and several large online retailers such as AffordableTours.com and TourVacationsToGo.com crop up in the top search spots. Further, the resulting URLs often have the word “Tauck” within them, which the operator claims creates confusion.

To avoid that confusion, the new policy states that the Tauck name may no longer be used in domain names, sub-domain names or website URLs not owned by Tauck.

It also stipulates that the Tauck name cannot be associated with the words “discount,” “rebate,” “on sale,” “save %,” “save $$,” “gift card,” “gift certificate,” “gift,” “cost,” “low cost,” “price,” “lowest price,” “best price,” “beat any price,” “special price” or similar terminology.

“The integrity of our brand and our guest experience was being compromised,” Spivak wrote. “We have always asserted that the price is the price is the price, so regardless of what channel a guest chooses to purchase their Tauck experience through, they will pay the same price as all other guests.

“Rebating is at odds with that value. And whether you call it a rebate or a discount or a reward or an incentive, it is all the same. And unfortunately it rears its head when guests are sitting at the dinner table on tour, and those are not productive conversations. That diminishes the experience for everyone.”

There are some additional items outlined in Tauck’s 2015 Marketing and Commission Policy that agents are advised to note, as well.

For example, there is an item called “booking transfer fee,” stating that if a booking originally placed by a guest with Tauck is then transferred to an agent more than a week after the original booking, Tauck reserves the right to charge the agent a $250 fee per guest.

There are some competitive issues, as well. The policy states that travel agent websites may not employ excessive repetition of Tauck’s name or Tauck’s copyright-protected materials to populate their site in an attempt to skew search results.

Agent websites will also be prohibited from using a Tauck-related search to redirect users to another page with unrelated content.

Tauck isn’t the first operator to take a strong stance against the price-driven online discounting marketplace.

Four years ago, Collette completely stopped selling to three big online discounters: AffordableTours.com, Pavlus Travel and TouringForLess.com.

Asked if the new policy was an effort to communicate to large online agencies that Tauck, too, did not want to do business with them, Spivak said, “Some of these agencies employ outstanding advisers who are passionate and knowledgeable about our product. They represent us well, and we hope they will adapt to this policy and continue to be partners of Tauck.”

Spivak acknowledged that for some companies, discounting is key to their revenue management strategy and that there will always be consumers who will shop based on price.

He added that he did not see this new policy rollout as the severing of old ties but as an opportunity to forge new ones under slightly different terms.

“For premium brands like Tauck, we see great opportunity for those who discounted or rebated in the past to use their incredible Web expertise and knowledge of our product to continue to grow their businesses,” Spivak said.





12/04/2017

Posted In: NEWS

Tags: , , , , , , , , ,

Leave a Comment

Travel insurance: pick your way to the best policy #book #cheap

#best travel insurance
#

Travel insurance: pick your way to the best policy

Y ou’ve booked the holiday, updated your summer wardrobe and checked the neighbours will water the plants. But have you bought travel insurance? If you are one of the millions turning to price-comparison sites to search for a policy the choice can seem baffling.

Cash logged into Moneysupermarket.com to search for a Europe-only annual policy to cover two adults and two children under 16. It offered 94 policies from just 22.80. The same search on Gocompare.com returned 95, from 24.64. The startlingly low prices are thanks to intense competition among an expanding list of providers.

However, table-topping names were mostly unrecognisable. We scrolled past a dozen or so before coming across a well-known brand. So how do you know you are buying from a reputable company?

Large insurers tend to trade under a range of different names, and an unknown brand could actually be backed by a company you have heard of. For example, Travelinsurance.co.uk is a trading name of InsureandGo, which is part of massive Spanish insurer Mapfre. You can check the about us section of a provider’s website to see who they are. Picking one that is part of a big insurer should give you peace of mind, says Malcolm Tarling of the Association of British Insurers.

There is a handful of standalone players, including Explorer Travel Insurance. Traveltime, Starttravel.co.uk, Planet Earth and goPanda. In this case check who underwrites the policy – this is the company paying in the event of a claim, says Tarling.

If you are buying through a comparison site, the brands are authorised and regulated by the Financial Conduct Authority and you are covered by the Financial Services Compensation Scheme (FSCS).

In the unfortunate event you pick a small brand and it goes bust, the scheme will step in. We may first try to transfer the policy to another insurer, says a spokesman. If there is a claim already in process, we may be able to offer compensation, but this would be on a case-by-case basis.

Whether a provider pays out is what consumers really want to know. The Financial Ombudsman Service received, on average, 43 complaints a week in the year to April 2014, ruling in favour of the consumer in more than half the cases.

One of the most common reasons for a claim being rejected is when an insurer relies on a particularly restrictive or onerous term in the contract.

A spokesman for the ombudsman says: Should the worst happen, keep a note of any correspondence. Keep electronic copies of your policy saved to your email account so the documents can be accessed wherever you are in the world. Taking pictures of an incident is another great way to record what’s happened.

Complaint disputes make it important to consider how companies deal with customers. Look for 24-hour helplines, and check online forums to see if there are any comments about a brand.

Gocompare.com offers star ratings beside policies from independent financial researcher Defaqto. Some of the cheapest are only awarded one star out of a possible five. Consumer ratings are also a useful way of understanding which companies look after their customers. Of 20 travel insurers listed by consumer group Which? it only recommends Saga and Marks Spencer Bank based on customer feedback.

Fairer Finance, a service set up to help consumers choose the best financial products, ranks insurers based on what customers think of the brand, how good they are at handling complaints, and how transparent they are. The best score highly across all of these areas.

Among travel insurers LV=, First Direct, Tesco, Amex, M S and Saga are gold-rated, while Aviva, HSBC, Staysure and the AA are silver-rated.

It’s worth going to a comparison site first to see what the cheapest available policies are – but if you don’t see any of these brands it could be worth going to them directly, says James Daley, founder of Fairer Finance.

Before any search make a list of what cover you need in a policy, says Tarling. If you are unsure if the policy will pay out for your needs, you could also call a broker. A list of these is available at biba.org.uk. They can advise you of the right policy for your requirements.

Graeme Trudgill, executive director of the British Insurance Brokers’ Association, says: Numerous brands listed on comparison sites are actually brokers. You could give them a call to check the policy definitely covers your needs – they will have different types and strip down the cover to get a competitive quote.

Here are some relatively unknown insurers that may crop up: ■ Staysure: This is a specialist insurance broker for the over-50s known for being prepared to cover holidaymakers with cancer or other serious pre-existing medical conditions. Staysure has above average happiness and trust scores from customers on Fairer Finance – in spite of having the longest policy document of all travel insurers (at almost 38,000 words).

BigBlue Cover: Listed by Which? as offering attractive rates with a good level of cover for singles, family and couples. It is part of the larger Rock Insurance Group.

TopDog Insurance: Surprisingly, it isn’t a pet insurer. Cover is underwritten by Mapfre, which has a below average record on complaints handling, says Fairer Finance. In the last six months of 2013, the Financial Ombudsman received 310 complaints about Mapfre compared to 115 for Saga. Its policy documents are among the longest – at a little over 25,000 words.

Explorer Travel Insurance: It specialises in insurance cover for over 65s. It is listed by Which? as providing among the best value European single trip policies for those over 80 with a good level of cover.





12/04/2017

Posted In: NEWS

Tags: , , , , , , , ,

Leave a Comment

Travel Insurance Policy #ramsay #travel

#travel insurance quote
#

Travel Insurance

Traveling cross country, to another country or even to an interesting location nearby can be fun and exciting. Of course, when your travel plans take a sudden turn, those feelings of elation can fade quickly.

Through strategic partnerships, American Family offers a variety of insurance options to help protect you and your fellow travelers.

Global Medical Insurance

What would you do if you suddenly became ill while traveling in another country? American Family has a strategic partner that offers global medical coverage, providing you the freedom to choose any hospital or doctor for treatment. This 24/7 coverage is available for individuals and families.

Trip Cancellation Insurance

You plan for months to take the perfect vacation. But then life throws you a curve ball and you re stuck with two tickets to paradise and no chance of using them. American Family has a strategic partner that offers trip cancellation coverage, protecting you from losing money in case of a sudden illness, death in the family or a variety of other circumstances.

Mexico Auto Insurance

If you re planning a trip to Mexico and need auto insurance, we can help. Auto insurance policies issued and underwritten by American Family Insurance do not provide coverage for vehicles operated in Mexico.В  Therefore, American Family has contracted with International Insurance Group, Inc. to offer quotes and policies for Mexico auto insurance to provide coverage when you travel with your vehicle across the United States/Mexico border.

Note: You must report all claims before leaving Mexico, otherwise the coverage is void. Please see the policy for details and claim phone numbers. For further information, please contact your American Family agent.

Mexico Boat Insurance

Planning a trip to Mexico with your boat in tow? Don t forget to take Mexico boat insurance along as well.

Through American Family Brokerage, Inc. you can obtain $100,000 to $250,000 in liability coverage for most types of boats and jet skis, as well as $20,000 in legal assistance and bail bond coverage.

This policy does not cover physical damage for your boat.

Our Mexico watercraft policies are underwritten by ACE Seguros, an international insurance company in Mexico and around the world known for superior claims service.

webOTH-0001966 Rev. 01/15





03/04/2017

Posted In: NEWS

Tags: , ,

Leave a Comment