Travel – Holiday Insurance Online Quote #cheapest #car #rentals

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Travel insurance quote

It only takes a few minutes to get a quote for travel insurance online. You can then decide whether to apply for cover straightaway. Before you start, please look at the What you should know before you apply section below.

What you should know before you apply

In order to apply you and anyone covered on your policy must be:

  • Permanent residents of the United Kingdom
  • Travelling from and returning to the United Kingdom
  • Not travelling already
  • Registered with a GP in the United Kingdom

Annual multi-trip age limit 80 (70 if travelling to the USA, Canada or Caribbean Islands). Single trip no age limit (except 80 if travelling to USA, Canada or Caribbean Islands).

Medical conditions

We’ll also ask you a few questions about any existing medical conditions you, or anyone travelling with you, may have. We’ll tell you if we can provide cover for these conditions – and if we’ll charge an extra premium. Then you can decide whether you want your policy to include them.

What you’ll be asked for

  • Your main destination and the regions you want your policy to cover
  • The name and date of birth of every adult and child you want your policy to include
  • Your email address, home address and postcode
  • Your card details if you decide to buy. You can pay using an M S Credit Card, M S Debit Card, M S Chargecard, Maestro, Visa, Visa Debit or MasterCard

Online discount

The 15% online discount is available when you buy a new policy online (excludes renewals). You can also receive this discount each time you take out a new single trip policy.

Important information

We’ve carefully selected AXA Insurance UK plc to underwrite this quality travel insurance. Terms, conditions, exclusions and limitations apply. In addition there are important conditions relating to health which may affect your cover.

It’s important to consider any other travel insurance you or any other traveller may have when deciding to purchase this product as you will only be able to claim against one policy.

Before you start your quote, read our important information about travel insurance.

By clicking ‘Start your quote’ you confirm that you have read and accepted the Policy Booklet. Please take care to answer all of the questions honestly and ensure that your answers are accurate and complete. If you don’t, it may mean that we are not able to deal with your claim or your policy may be cancelled.





10/11/2017

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GEICO Auto and Home Insurance #geico #quote, #geico #insurance #quote, #geico


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GEICO Insurance Quotes

Everyone committed to confidence in the future, stability in life, needs a guaranteed protection and support in difficult times. The main goal of GEICO Insurance Company (Government Employees Insurance Company) to provide such protection. Today GEICO is among ten leaders of national security, demonstrating consistently strong financial results. By improving methods of doing business, GEICO Insurance Company is constantly working to improve services quality provided. Taking into consideration GEICO ratings we can offer you low cost deals from other companies also.

Home Insurance

Click at “Get a Free Quote” above to get the cheapest quotes on home policy.

Auto Insurance

Click at “Get a Free Quote” above to get low cost quotes on auto coverage.

Health Insurance

Click at “Get a Free Quote” above to get cheaper rate on health coverage.

Life Insurance Quote

Click at “Get a Free Quote” above to get low cost quote on life coverage.

Renters Insurance

Click at “Get a Free Quote” above to obtain quotes on renters coverage.

Our quotes and deals provide insurance of stuff owned by lawful objects on property rights, as well as pledged, leased stuff in event of loss or harm due of the next risks:

• fire (lightning, fire, piloted airplanes falling, explosion, their parts or goods that they transport);

• natural cataclysms (storm, hurricane, tornado, hail, torrential rain, pressure snow layer, flooding, tremor, rock falls and avalanches east, other natural catastrophes);

• the impact of watery (fluid water’s influence, boiler and sewerage systems, because of their run-off or break, including from neighboring buildings not owned by the protected);

• unlawful activities of third parties (stealing, theft, intentional obliteration or harm of property, including burning);

• impact of the vehicle on protected stuff.

Insurance quotes depend on the assurance object, chosen risks, assurance term, company you choose like GEICO, and other factors and is within 0, 09-1, 5% of the sum insured. Company paid by home and rental assurance within the sum insured and based on direct material size damages caused by loss or home property damage.

Driving out the road, we must remember that daily vehicle’s operation is associated with several types of risks. To protect themselves from the possible costs of damages, auto coverage is required both for individual as well as Integrated Programs:

• Property assurance risks, which are subject to direct cars (damage as accident’s result, theft, etc.);

• Risk personal injury assurance to driver and passengers of his car in a traffic accident;

• Liabilities assurance arising in relation to the third parties (damage to health, life, home, property because of an accident).

There are may be situations on the road, when the fault or car owner negligence takes road traffic accident (RTA) damage to property, health and third parties life. Companies like Farmers, GEICO effectively compensate such losses. At contract’s conclusion for a new term, lack of assurance compensation payment in intervening period, we, GEICO Company and many companies offers discounts.

The size depends on:

1. Vehicle capacity. The more powerful car needs, more expensive policy for him.
2. The seniority and drivers age.
3. The region. If you live in large city or region, GEICO auto policy will be more expensive.
4. The more drivers entered in GEICO policy, the higher quotes on auto insurance are.
5. Many of us do not make policy for whole year in GEICO and do one or two seasons only, this leads to his rise in price. GEICO offers discounts for those who draw up a policy for a year or more.
6. For each year of accident-free driving, you get 5% bonus, so you will pay less than 5% for policy in the following year. The maximum bonus is 50%, in 10 years of driving. However, if you have an accident, it inherits year, you lose bonus and need to collect all over again.

As you can see, many factors determine value of our or GEICO Auto Insurance Quotes and strength of each driver significantly reduce them, also you may compare such quotes with Liberty Mutual insurance. our rates, other companies, and choose. Add home policy option to pay less!

® GEICO and related GEICO trademarks and logos are registered trademarks owned by Government Employees Insurance Company, used under licence by GEICO, One GEICO Plaza, Washington, DC 20076 and certain of its affiliates.

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02/10/2017

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Life Insurance for Seniors #senior #life #insurance #quote


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Life Insurance for Seniors Get Coverage Now

In many ways, being a senior is as much or more stressful than at other times in our lives. We will explore some of the questions asked most often by seniors about life insurance for seniors. Some seniors are convinced life insurance at their age either is either not available or very expensive. Let s dispel some common myths and answer some of the nagging questions you may have. You will hopefully get some peace of mind about insurance and be able to determine what to look for.

Senior Life Insurance Is Too Difficult or Too Expensive to Get

This is one of the concerns most frequently mentioned by seniors have about life insurance. First, your age and even your health should never be obstacles to getting the coverage you need. There are many good policies you can get at any age or state of health.

There are many companies willing to provide coverage and policy types that are both readily available and priced to fit nearly everyone’s pocketbook. Some companies even offer senior discounts on all kinds of policies designed for seniors. This is one concern you can remove from your list now – you CAN get life insurance.

Are My Final Expenses Covered without Senior Life Insurance?

An average funeral costs $10,000-$20,000 in the U.S. today. So that these costs are taken care of and to avoid burdening family and loved ones with these expenses, many seniors choose to secure senior life insurance that covers these costs.

Another way to handle these expenses is to allocate part of an existing policy may have to distribute the funds necessary for these expenses. Other possible options include having a cash value or permanent policy. These kinds of policies can be secured when you retire and be dedicated to this specific purpose.

Many seniors with insufficient assets or life insurance already in place often choose to make sure these costs are covered by applying for a universal or whole life policy. These policies are popular with seniors and there are many insurance companies that offer them at discounted rates for seniors. Many even have provisions that have few or even no medical examination requirements as conditions for approval.

Senior Life Insurance Policies Can Allow You to Build a Legacy

A few of the wealthiest families in America built fortunes and estates spanning numerous generations using the proceeds from life insurance policies. For just a few cents on the dollar, a life policy can be instrumental in creating a noteworthy estate for your heirs or assigns.

The funds can be combined with other assets that you have accumulated during your life. Using this approach, a far more considerable estate can be created, rather than needing to treat each asset individually.

The use of funds can be utilized to take care of your final expenses, to fund a contribution to a preferred charity, or for the expressed purpose of creating a family legacy. For any of these causes, a whole or term life policy is a superior choice to make these outcomes realities for seniors.

A reasonable amount of time should be spent to evaluate which type of life insurance is the best vehicle to use in achieving your objectives and wishes. Additionally, your risk tolerance, income, total assets, expenses and mortality rate are all factors that need to be considered when making a decision about your best options for life insurance as a senior.

Always Weigh the Benefits and Costs of Life Insurance for Seniors

It is always to your benefit to review several rate quotes and plans from selected insurers before deciding. If you are already covered by a life insurance policy, discuss your options with them before doing business with another company or setting up another policy.

Talk candidly with a representative about how you may be able to increase or modify your existing coverage. It is possible they may offer to furnish the additional coverage without a medical exam or for only a small premium. Talk with trusted friends and family members to gain insights about the kinds of policies they have.

You can obtain firsthand information about the kinds of services offered by other companies this way. It is crucial to gain good information about other companies because all life insurance companies do not have acceptable reputations. Some companies will be more senior-friendly than others.

Check the references of the companies you are considering and base your choice on good information. Consider becoming a member of a senior group or organization that can assist you with great recommendations about these choices. Some of these organizations and groups offer life insurance plans for their membership group and offer fantastic savings on all kinds of life insurance policies.

Are you Ready to Save 73%+ on Senior Life Insurance?


01/10/2017

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HO 8 Home Policy #ho #insurance #quote


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HO 8 Home Policy

HO8 – Home Insurance Policy

The HO8 Home Insurance Policy is one of the most basic insurance policies available to homeowners. Most homeowners that purchase HO8 policy insurance do so because their home is older (over 40 years old) and does not meet all of the update requirements that are commonly found with HO3 policies.

These include updates to the: HVAC Electrical Plumbing Roof

While most companies insuring an older home (40+ Years old) will require proof of full updates with a 4 Point Inspection for the HO3 policy, our HO8 policy can be issued without full updates or a 4 point inspection.

Generally only requiring the electrical being updated (at least 100 amp service, no knob tube wiring, no aluminum wiring, no fuses, no portable heat) along with working Air Conditiong. Windows units for the air conditioning is okay, however No Portable heating (space heaters) are allowed.

Some insurance carriers also use credit as a basis for determining not only rate- but also eligibility for coverage at all. So someone who has had a previous DUI or Bankruptcy, Judgement or Lien in the last 60 months may find themselves unable to attain the more desireable HO3 policy altogether.

In instances like these we can utilize the HO8 policy to fill the gap and get coverage on the home.

The HO8 Home Insurance Policy is a Named Perils Policy

The HO8 insurance policy is a named perils home insurance policy. Named perils policies specifically list the perils that your home and personal property are covered for. If something happens to your home and belongings that is not on the list of covered perils, you do not have coverage under the HO8 home insurance policy.

Perils Insured Against with the HO8 Home Insurance Policy

The 10 perils the HO8 Home Insurance Policy will protect your home and belongings from are:

Some Important Perils That May Are Not / May Not Be Covered..

Although the HO8 home insurance policy will protect you from the most common perils, there are a few common perils that have no place in the HO8 policy. The most common perils not covered are:

Water Damage This type of claim is one of the most common found with homeowners insurance. Water damage would be associated with leaking or bursting pipes inside or outside the home, overflow from an appliance such as your washing machine or toilet. Also damage from a leaking roof because of a rain storm would probably not be covered under the HO 8 unless you can prove it was caused by a covered peril such as windstorm damaging the roof which ultimately casued the damage.

Falling Objects – No coverage is provided for objects falling on your home or contents, unless you can prove the objects fell on your home as a result of one of the ten covered perils listed above. Most people aren t too worried about airplanes falling from the sky, however here in Florida falling trees are a common occurence. And if one falls on your home due to disease or old age it s not covered.

Mold Coverage excluded

Power Surges Accidental damage from artificially genertated electrical current is not covered. Lightning is naturally generated and is a covered peril.


28/09/2017

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Creating S #goal #setting, #motivation, #self #help, #goal, #setting #goals, #motivational


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Creating S.M.A.R.T. Goals

Specific: A specific goal has a much greater chance of being accomplished than a general goal. To set a specific goal you must answer the six W questions:

*Who: Who is involved?

*What: What do I want to accomplish?

*Where: Identify a location.

*When: Establish a time frame.

*Which: Identify requirements and constraints.

*Why: Specific reasons, purpose or benefits of accomplishing the goal.

EXAMPLE: A general goal would be, Get in shape. But a specific goal would say, Join a health club and workout 3 days a week.

Measurable – Establish concrete criteria for measuring progress toward the attainment of each goal you set.

When you measure your progress, you stay on track, reach your target dates, and experience the exhilaration of achievement that spurs you on to continued effort required to reach your goal.

To determine if your goal is measurable, ask questions such as

How much? How many?

How will I know when it is accomplished?

Attainable When you identify goals that are most important to you, you begin to figure out ways you can make them come true. You develop the attitudes, abilities, skills, and financial capacity to reach them. You begin seeing previously overlooked opportunities to bring yourself closer to the achievement of your goals.

You can attain most any goal you set when you plan your steps wisely and establish a time frame that allows you to carry out those steps. Goals that may have seemed far away and out of reach eventually move closer and become attainable, not because your goals shrink, but because you grow and expand to match them. When you list your goals you build your self-image. You see yourself as worthy of these goals, and develop the traits and personality that allow you to possess them.

Realistic – To be realistic, a goal must represent an objective toward which you are both willing and able to work. A goal can be both high and realistic; you are the only one who can decide just how high your goal should be. But be sure that every goal represents substantial progress.

A high goal is frequently easier to reach than a low one because a low goal exerts low motivational force. Some of the hardest jobs you ever accomplished actually seem easy simply because they were a labor of love.

Timely A goal should be grounded within a time frame. With no time frame tied to it there s no sense of urgency. If you want to lose 10 lbs, when do you want to lose it by? Someday won t work. But if you anchor it within a timeframe, by May 1st , then you ve set your unconscious mind into motion to begin working on the goal.
Your goal is probably realistic if you truly believe that it can be accomplished. Additional ways to know if your goal is realistic is to determine if you have accomplished anything similar in the past or ask yourself what conditions would have to exist to accomplish this goal.

T can also stand for Tangible A goal is tangible when you can experience it with one of the senses, that is, taste, touch, smell, sight or hearing.

When your goal is tangible you have a better chance of making it specific and measurable and thus attainable.


25/09/2017

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Off-Grid Solar System Calculator #solar #system #quote


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STEP 3: Size Your System for Off Grid

How big should your Off-Grid system be?
If you are moving from a utility-connected home in the ‘burbs’ to an off-grid home in the boonies, you will have the opportunity (perhaps necessity) of downsizing your electricity usage. In order to calculate how large your home power system needs to be, run the solar panel calculator below TWICE. Compare and adjust your plans according to your budget and lifestyle.

  • Run the System Sizing Calculator first with numbers from your current electricity usage to get your initial solar panel calculation.
  • Then run it with figures from working through the Load Evaluation Calculator, (PDF ) based on the energy efficient lighting and energy efficient appliances you will choose for your new off-grid home.
  • Use our Appliance Electrical Consumption Table for average appliance electrical usages.
  • Once you have a good idea of what size system you are going to need browse our Off Grid Systems. Or call us and we can design any size system to fit your needs.

Four Easy Steps to Design Your Own System

Off-Grid Solar Panel Calculator

This provides a rough estimate of your solar needs. For a more precise calculation, please give us a call at 1-800-472-1142.

For 30 Kyocera 140-watt solar panels to produce 4,200 watts. 4,200 divided by 140(watts per panel) = number of solar panels needed.
NOTE: These figures are approximate and do not take into account the variable efficiency ratings of solar panels and off grid inverters. Please work with experienced Wholesale Solar staff to design a system which fits within your budget and can be expanded as needed.

SUN HOURS/DAY ZONE MAP

How Many Sun Hours a Day Do You Get?

Zone 1 6 hours
Zone 2 5.5 hours
Zone 3 5 hours
Zone 4 4.5 hours
Zone 5 4.2 hours
Zone 6 3.5 hours

The hourly figure indicates the average (over the course of the year) amount of insolation (full sun hours) for these zones. These figures are based on the yearly average; consequently, systems based on these figures will provide more power in summer and less in winter. Winter figures for daily solar gain may be from 25% to 50% LESS than these average figures.

Load Evaluation Calculator


23/09/2017

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Auto Insurance Quotes Online #auto #quotes,auto #quote,compare #auto #quotes,auto #quotes #compare,auto


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Auto Quotes

Compare and get for free auto quotes on insurance online using zip code. This is a serious step choosing company before or after buying a new or used car. It takes 2 minutes to get quote on your auto from top local insurers. Here is a unique opportunity that allows to compare rates from dozens offers and get the cheapest and most valuable deal. Policy on new or used auto can be obtained using 5 digits zip code that is usually used to provide car quotes online. Feel free to use our unprecedented opportunity and choose low cost auto policy, reduce the risks that arise in absence of coverage.

Auto Insurance

Choose auto quote on insurance to save more on policy.

Choose quotes by zip code, it saves your time. Don’t visit branch because it will not bring you additional benefits if you don’t know where to go. The nearest agent does not guarante you enough good price. So, try our online comparison tool to pick up the best deals from top local agents.

Many factors affect on your quotes on auto insurance. Besides usual parameters that affect on coverage cost, there are such that perhaps you do not know, ex. number of accidents in your area, security system or additional theft protection, your age, violations in the past, your habits, how quickly do you like to go because it can be checked. You will get an additional savings on quote if you are retired or student, it is not a secret that we have protected population groups.

Almost all companies provide auto quotes comparison tool online. But they usually provide consumers only one quote per one request and that is why you don’t save on your car coverage. You feel deceived when they give you only one offer and you have no way out. But there is a solution when you can compare all options in one place like here, and choose the best offer. Try our comparison tool, enter zip code and use calculator of auto and home insurance by zip code to compare rates online and save on premiums. It is the smart way to apply for auto coverage online.


22/09/2017

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San Diego car insurance rates by ZIP code #san #diego #auto


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San Diego Car Insurance

San Diego car insurance rates

Compared to Los Angeles car insurance rates, San Diego’s are hundreds of dollars less, but still not cheap. The same driver will pay hundreds of dollars more in Coronado than in Carlsbad, according to our California car insurance rate analysis. But even if you live in one of the higher-cost ZIP codes, you can save money by simple comparison shopping. No two car insurance companies will offer you the same rate.

San Diego ZIP code 92135 is the most expensive for car insurance in the city, $1,467 a year, according to a survey of rates from six major carriers. But the difference between the highest rate ($1,703) for that ZIP and the lowest ($1,130) is $573.

Why comparing car insurance rates saves you money

Prices for the same policy vary by hundreds sometimes thousands of dollars because no two insurance companies us the same formula to calculate rates. That s why you have to shop around to save money. To see how car insurance rates compare, use our average rates tool below.

Enter a ZIP code to see the average premium for the location, as well as the highest and lowest rates from the six major carriers surveyed.

RANK YOUR FAVORITE U.S. LICENSE PLATES

California’s license plate currently ranks as the 35th most popular in the country!

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.

State Minimum:
Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.

Liability Only 50/100/50:
$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.

Full Coverage 100/300/100:
$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.

MOST LEAST EXPENSIVE ZIP CODES in California

Cheapest car insurance in San Diego

If you need just enough coverage to drive legally, you ll want to shop for the lowest liability car insurance limits required by the state. In California, (written as 15/30/5) that means your liability car insurance would pay up to:

  • $15,000 for injuries you cause to others
  • $30,000 per accident
  • $5,000 for damage you cause to others cars and property

The state average rate for a year of minimum coverage is $723, according to our rate analysis. You would pay just $188 more if you hiked your liability coverage to 50/100/50.

Best car insurance in San Diego

If you want to have enough car insurance coverage to protect your home and assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

Comprehensive insurance and collision coverage pay out up to the actual cash value of your car. In California, comprehensive costs $98 and collision costs $361, on average per year, according to the Insurance Information Institute. These two coverages come with a deductible. That s the amount you pay for each claim before your insurer pays out. Deductibles of $1,000, $500 and $250 are the usual amounts from which you can choose. The lower the deductible is, the higher your rate will be.

California car insurance rates for coverage recommendations

*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.

Driving in San Diego

Traffic in San Diego: The city and nearby areas came in 13 th for the worst traffic in the country in a recent report by USA Today, which noted that commuters spend about 37 hours a year stuck in traffic.

Car crashes: Major accidents have resulted in an average of 70 deaths a year in recent years (2012-2014).

Commuting: The average commute in San Diego is 24.4 minutes.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the San Diego area, only vehicles with at least two people, mass transit vehicles like buses and motorcycles are allowed to use the lanes. The lanes may be restricted during specified hours.

Public transportation: The U.S. Census Bureau says that the majority of riders in San Diego who commute to work by public transportation are white (about 29 percent), Hispanic (about 43 percent) and black (about 9 percent). The bureau notes that commuting is the main reason people use mass transit.

Smog rules: All California residents much have their vehicles tested for emissions at a licensed smog testing center every two years to renew registration. Vehicles that are six years old or less are exempt from testing. New California residents must have an initial inspection to have their vehicle registered, even if they have a current smog certificate from their previous state.

Bad intersection: Where 54 th Street and University Avenue meet is considered one of the worst intersections in San Diego, with 77 accidents reported during the past ten years.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.

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21/09/2017

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Decreasing Term Life Insurance Guide #decreasing #term #life #insurance #quote


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Decreasing Term Life Insurance

The idea is to pay off debts, such as the mortgage, other loans and credit card balances, and to make sure there are funds available to meet the family’s other living expenses, both now and in the future.

There are different types of life insurance policy from which to choose. Perhaps the most straightforward is level term insurance: you select the amount of cover you need (the ‘sum insured’) and length of time the policy will run for (say, 20 years).

The policy will then pay out the sum insured if you die before the end of the term.

An alternative is decreasing term insurance. Here, the sum insured reduces over the term of the policy – which means the premiums can be less than for a level term policy (all other things being equal).

Unlike with level term cover, the amount of cover then falls –monthly or annually – over the term.

What is decreasing term life insurance?

Decreasing term insurance is often bought to clear a specific debt (normally a repayment mortgage) that is itself reducing over time, with the policy paying out in the event of the death of the borrower or his or her partner.

The term is usually selected to align with the associated debt.

Clearing the mortgage after death is a priority, of course. Indeed, many mortgage lenders will insist life insurance is in place.

The pay-out will mean the family can remain in the property, and the burden of meeting the monthly mortgage repayments will be removed (note that decreasing term insurance is not appropriate for someone with an interest-only mortgage, where the capital debt is only repayed at the end of the mortgage term).

Not all decreasing term insurance is taken out to cover mortgages, though.

Some people also choose this type of life cover because they do not feel such a big payout will be necessary if they die in, say, 20 years rather than within the next 10.

How does it differ from level term insurance?

With level term insurance. it is up to you to decide how long the policy runs for and how much would be paid out if you were to die within the term.

You also choose the length of the term and the size of the sum insured when you arrange decreasing term insurance – but your decisions will be influenced by the term and size of the debt you are looking to repay if worst comes to worst.

Unlike with level term cover, the amount of cover then falls –monthly or annually – over the term.

As noted, decreasing term policy can be cheaper than level term insurance because the sum insured goes down rather than staying the same throughout, reducing the risk of the insurer having to make a big pay-out.

So is decreasing term life insurance right for me?

Decreasing term life insurance is popular with people on a tight budget as the monthly payments are lower than those you would pay with level term cover.

But many people prefer to pay for level term insurance, even though they have a repayment mortgage.

The logic is that, if they set a sum insured that matches their debt but which stays at the same level as the debt falls, then they will create additional insurance that could be used for other purposes following a claim.

Others choose a level sum insured that is greater than their mortgage debt anyway, so they know their loved ones will have additional provision to take care of other living expenses.

Have you got death-in-service benefit through work?

Remember, before taking out any kind of life insurance, you should also check whether your employment contract includes a death-in-service benefit that will go to your family should you die.

This is usually set at four times your annual salary – which is probably insufficient for most families.

To work out how much cover you need in total, you should add up all your debts and the family’s annual living expenses and then take a view about the length of time you need insurance protection to be in place.

For example, if you have children at home, your annual expenditure is likely to fall substantially once they become financially independent.

Mulling over these points should help you determine the size of your sum insured.

Once you reach this stage, you can add to any existing life insurance policies you have, such as a death-in-service benefit, to reach the desired amount.

So if, for example, you decided on a sum insured of £300,000 and had a £100,000 death-in-service benefit, you would need £200,000 from a separate life insurance policy.

Family income benefit and monthly payments

Another type of term insurance is designed to pay an income rather than a lump sum. This is generally known as a family income benefit policy.

Again, you choose the term of the policy, but instead of nominating a lump sum as your sum insured, you choose an amount to be paid as a monthly income, payable from the date of your death (or that of your partner) to the end of the agreed policy term.

You could pay less for family income benefit insurance than for level term insurance because the insurance company, on balance, stands to pay out less. For example, if you died 15 years into a 20 year term, a level term policy would pay out the full amount, but the family income benefit policy would only pay the monthly income for five years.

A family income benefit policy might be attractive to someone who does not have debts to clear – although you could set the monthly amount sufficiently high to take care of the mortgage payments as well as other financial needs and commitments.

Again, in setting the sum insured, you would have to calculate how much you need to provide for your family’s outgoings. You can arrange for the income paid following a claim to increase each year in line with inflation – but the premiums would be higher than for a policy where the monthly payments remain the same.

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13/09/2017

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


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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

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RV, Motorhome or Camper Insurance Quote – RBC Insurance #rv #insurance


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Car Insurance

  • Car
    Insurance
  • Motorcycle
    Insurance
  • RV Other
    Vehicle Insurance
  • Claims
    Customer Service

From spending weekends in your single-room camper to exploring new places in your luxury motorhome, we can offer the affordable insurance protection you need. We can even insure a snowmobile or ATV, or personal supplies.

  • If you have a camper or trailer that you tow behind another vehicle, we can help you get the insurance you need for your camper or trailer and the car, truck or SUV you use to tow it (6 ). You could even save up to 14% with a multi-vehicle discount (2 ) .
  • If you own a motorhome, we’ll offer the coverage you need to protect your RV as well as the furnishings and appliances that were originally installed in your motorhome.
  • Get an RV or Other Vehicle Insurance Quote

Choosing the right coverage for your RV or other vehicle

For help choosing the right protection, see how much RV insurance coverage you are required to have by law as well as the coverage we recommend:


09/09/2017

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Get Connecticut Homeowners Insurance from Nationwide #connecticut #home #owner #insurance, #homeowners


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Connecticut Homeowners Insurance

Search all Connecticut Agents

Connecticut Links

Owning a home is part of the American dream. If you’ve put down roots in Connecticut, homeowners insurance is crucial to protecting you and your family’s home. Whether you live in Stamford, New Haven, Bridgeport or any other great Connecticut town, Nationwide renters insurance can help you in the event of theft, water backup damage, certain natural disasters and more. Our policies are reliable, affordable and customizable so you can get the homeowners coverage you need to fit your budget. Get a Connecticut home insurance quote from Nationwide and see if you qualify for one of our homeowners insurance discounts today.

Get reliable insurance coverage for your home

Find local agents in your neighborhood

We have Nationwide agents throughout Connecticut. Find your local agent .

Whether you own a residence in Hartford, a townhome in Waterbury or a ranch-style home in the Norwalk suburbs, our Connecticut home insurance policies have you covered.

  • Brand New Belongings ® helps you replace or repair your personal belongings if they are damaged, destroyed or stolen .
  • Water backup 1 can help protect you from losses caused by backed-up sewer or drain water.
  • Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.

Nationwide agents throughout Connecticut are ready to assist you. Select your city below to find an agent near you.

Don’t see your city? Visit our directory of insurance agents in Connecticut to find one near you.

Get a free Connecticut homeowners insurance review

A Nationwide On Your Side ® Review is a free, annual consultation and insurance assessment that can help you:

  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side ® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy

Call Nationwide at 1-877-On-Your-Side and get your Connecticut homeowners insurance quote today.

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

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07/09/2017

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Nurse Quotes, Sayings about Nurses & Nursing, Quotations for Nurses Day


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Authentic service can be seen in the nurse who has nurtured herself, the healer who has been healed. It is the service we hear when the nurse can speak from her heart to the patient these simply and humble words, “I am here. Let’s heal together.”

Caryn Summers, R.N. quoted in JoEllen Koerner, Healing Presence: The Essence of Nursing. 2011

Nurses are angels in comfortable shoes.

Constant attention by a good nurse may be just as important as a major operation by a surgeon.

Nurses are the heart of healthcare.

Donna Wilk Cardillo

Nursing would be a dream job if there were no doctors.

Nursing is an art: and if it is to be made an art, it requires an exclusive devotion as hard a preparation, as any painter s or sculptor s work; for what is the having to do with dead canvas or dead marble, compared with having to do with the living body, the temple of God s spirit? It is one of the Fine Arts: I had almost said, the finest of Fine Arts.

Caring is the essence of nursing.

Nurses can take the pressure.

The trained nurse has become one of the great blessings of humanity, taking a place beside the physician and the priest.

Nurses dispense comfort, compassion, and caring without even a prescription.

Bound by paperwork, short on hands, sleep, and energy. nurses are rarely short on caring.

Sharon Hudacek, “A Daybook for Nurses”

Nurses are I.V. leaguers.

When I think about all the patients and their loved ones that I have worked with over the years, I know most of them don t remember me nor I them. But I do know that I gave a little piece of myself to each of them and they to me and those threads make up the beautiful tapestry in my mind that is my career in nursing.

Donna Wilk Cardillo. A Daybook for Beginning Nurses

After two days in the hospital, I took a turn for the nurse.

When you re a nurse you know that every day you will touch a life or a life will touch yours.

Panic plays no part in the training of a nurse.

Nurses are patient people.

You know you re a nurse if. you triage the laundry when at home: This pile needs immediate attention, the pile can wait, this pile, with a little stain stick will be OK until you get back to it.

Donna Wilk Cardillo

A nurse is compassion in scrubs.

Terri Guillemets, “Health’s helpers,” 2007

Whether a person is a male or female, a nurse is a nurse.

If Christian scientists had more science and doctors more Christianity, it wouldn t make any difference which you called in if you had a good nurse.

Finley Peter Dunne

Nurses one of the few blessings of being ill.

Nursing is not for everyone. It takes a very strong, intelligent, and compassionate person to take on the ills of the world with passion and purpose and work to maintain the health and well-being of the planet. No wonder we re exhausted at the end of the day!

Donna Wilk Cardillo

If love can t cure it, nurses can.

A nurse will always give us hope,
an angel with a stethoscope.

Nurses don t wait until October to celebrate Make a Difference Day they make a difference every day!

Confucius say: “Man who want pretty nurse, must be patient.”

Nursing care comes in many forms. Sometimes it is the ability to make someone feel physically comfortable by various means. Other times it is the ability to improve the body s ability to achieve or maintain health. But often it is an uncanny yet well honed knack to see beyond the obvious and address, in some way, the deeper needs of the human soul.

Donna Wilk Cardillo. A Daybook for Beginning Nurses

We d all be worse without a nurse.

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25/08/2017

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Carrier Contracting Services #carrier #appointment, #imo #contracts, #fex #quote #engine, #fex


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Highest Commissions – Unlimited Sales Support 7 Days/Week!

CLICK HERE TO BEGIN THE ONLINE CONTRACTING PROCESS!!

We are an IMO specializing in the assistance of all agents, both rookies and veterans, as well as many agencies, in the area of contracting/appointments, sales support, underwriting support, and several other aspects which are vital to the sales success of independent life insurance agents. We have agents located across the country, in several different states, targeting a wide variety of markets.

Everyone! Particularly those who have ever experienced any of the following as an agent:

You place an urgent call into your IMO or upline support personnel at 5:01pm, only to discover that they’ve gone home for the night or weekend. Nonetheless, you leave an urgent message requesting information on the best way to write a prospect for whom you’re currently trying to write a policy. Unfortunately, your IMO lives by the Mon-Fri 8-5 work shift, and therefore, doesn’t receive your email or voicemail until the next business day. By this time, you’ve lost the chance of a sale.

You submit a new application on behalf of a client. When you attempt to contact your IMO 3 weeks later (after realizing the insurance carrier shows no sign of ever receiving the application), you never get a call back, thus leaving your client hanging in the air, while you attempt to track down the application. Low and behold, after another week goes by, you find out that your IMO’s “assistant” had a dead car battery, which “somehow” delayed processing and submitting your client’s application. (Yes, this actually happened to an agent of ours, while with his previous IMO.)

Being told that since you are a “captive agent”, you are assigned a “territory” in which to sell. You are restricted to this area, without an opportunity to sell products from other carriers, or to expand your market in an effort to increase sales and income.

Being mislead by some MLM operation into believing you’ll make over $100,000 your FIRST year as an agent. Then discovering that as you work hard to make your measly 50-80% commission (as opposed to 90-120%), someone above you is collecting a chunk of your commission, while YOU do all the work!!

We realize that the purpose of an IMO is to serve as a direct line of support between the agent and carrier. If an agent has a need related to sales or prospecting, they should be able to rely on their IMO to assist, particularly when the carrier may not be reachable (such as during evenings and on weekends).

We almost always respond to an agent’s phone call or email within 30 minutes, if not immediately. This is no different during evenings and weekends, as we understand that many times, agents have to set sales appointments during those days and times. With today’s technology regarding the mobile capabilities of an office, there’s never an excuse as to why an agent must wait until the following day for assistance with an immediate need.

We believe in personalized attention. We make a point of learning your target market, in order to ensure you have the best carriers and products available when prospecting for business. We never play “favorites” with any carrier. If they want the business, they should focus on offering the best product at the best price. Additionally, we learn about our agents and their strengths, as well as any weaknesses. We encourage all of our agents to work together when possible in order to help each other with prospecting ideas and anything else that can help us all achieve greater sales success. Just because you’re independent, does NOT mean you’re on your own!!

Same-day underwriting risk assessments. We understand that there will be times when even the most experienced agents will come across an individual with a complex assortment of medical ailments, past and present. It is nearly impossible to memorize every medical underwriting guideline from every carrier. Therefore, in the event an agent is in need of a last minute assessment regarding the best carrier product for their client, they can always count on us to offer immediate assistance in regards to helping them determine the best fit for the situation. Many IMO’s simply say “Send in this risk assessment form, and we should hopefully have a response in 2-3 days.” However, we understand that sometimes you don’t have 3 days, let alone 3 hours to get a response, without jeopardizing a potential sale .

Carrier Contracting Services
(618)767-6890


20/08/2017

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Get Cheap Auto Insurance in Austin TX from Titan Insurance #austin


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Austin Auto Insurance

As residents of one of the fastest growing cities in the country, Texans who call Austin home have an Austin auto insurance provider that offers affordable coverage quickly and easily – Titan Insurance.

Austin auto insurance coverage

Titan knows that the insurance coverage you need will depend on several factors, including your driving history and the type of car you own. Check out a few of Titan’s Austin auto insurance coverage options below to determine which type of coverage you need.

Austin car insurance quotes

Finding affordable Austin car insurance rates should be simple. That’s why Titan offers flexible payment plans and coverage for as little as $1 a day.

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Why Titan?

We know that you have choices when it comes to choosing an auto insurance company.

Why choose Titan?

©2017 THI Holdings (Delaware), Inc. Affiliated Companies. All Rights Reserved. Home Office: Cleveland, OH 44122. California Producer License #0E86569.

Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.

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Please visit this webpage for more information on Nationwide Insurance.


17/08/2017

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


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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

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Travel Insurance – online quote and immediate purchase #kenya #travel

#ntuc travel insurance
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AIG Direct Singapore Travel Insurance, comprehensive protection and 24 hours assistance

Features and Benefits Back To Top

Travel Guard lets you travel the world in complete freedom. With Travel Guard, you get the most comprehensive coverage in travel insurance. Choose your travel insurance cover from the widest range of benefits and services; be it for a short business trip or extended family holiday, Per Trip or unlimited trips under a Yearly plan.

Get your travel insurance quote here

Special Features include:

  • 24-Hr Emergency Medical Assistance
  • Unlimited Emergency Medical Evacuation for Premier Superior Plan
  • Covers All Ages
  • Overseas Medical Expenses coverage up to S$2,000,000 for Premier Plan
  • Pays from the First Dollar
  • Covers Loss/ Delay of Baggage
  • Covers in the event of Natural Disasters
  • Fraudulent Credit Card Usage
  • Disruption Benefits – Unused Entertainment Tickets/ Frequent Flyer Points
  • Reimburses Emergency Telephone Charges incurred Overseas
  • Covers Leisure Amateur Sports
  • Covers Replacement Cost of Lost Travel

*Terrms and conditions apply

One hotline for all your needs

You’ll feel more secure when you know that help is just a phone-call away. Whether it’s a medical emergency or information about your destination, one number is all you need for:

– 24-hour Medical Emergency Assistance

– 24-hour Travel Information.

Call the Travel Guard 24-Hour Emergency Assistance Hotline – (65) 6733-2552 anytime. When overseas, call collect through the local operator – and we’ll take care of your phone charges (for Medical Emergency Assistance only.)

This Product is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC web-sites (http://www.aig.com.sg/ or http://www.gia.org.sg/ or http://www.sdic.org.sg/ ).





10/08/2017

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3kw Solar System – 3kW Solar Panel systems #solar #system #quote


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3kW solar panel systems are a popular residential solar panel option for many homes in Australia.

3kW solar system is now heading towards the most suitable sized residential solar system in the country. For an average residence in Australia, a 3kw solar system will be equally generating about two-thirds of total electricity usage. But be advised; if you have ducted air-con, a pool pump and a home automation system in your house then it’s not going to make much of a dent in your electricity bills!

Solar systems can easily produce electricity for residence or business with the help of modules that generate electricity returning from the sun’s light-weight. 3kw solar system became fast and right on to line up, There are many sizes of 3kw solar system available in the market and it purely depends on the quantity of your house. Although this 3kw solar system is extraordinarily dear to line up, there’s variety of native, state, and federal duty incentives and refunds that may facilitate to purchase the fee, however, it’ll still be slightly basic investment.

Below are the details we are providing for a 3kw Solar System:

12 X 250 W Solar Panels

3.0kW Grid-Connect Solar Inverter

30 Year Efficiency Warranty*

12 Year Inverter Warranty*

12 Year Installation Warranty

Approved Grid connect Inverter

Full installation by a CEC accredited electrician.

Make a wise call and get a quote today.

Elegant and efficient, with a power output that rivals anything in their class. OneSolar One+ Series Black solar panels offer:

  • Completely black, discreet design easily integrated onto any roof for a beautiful, modern home.
  • Award-winning quality, independently tested.
  • High power output – new ‘Super Mulit-crystalline’ silicon cell technology means power output and reliability is enhanced.
  • Outstanding durability, guaranteed with an extended product warranty of 12 years (standard panel warranties are 10 years).

We pair our OneSolar One+ Series Black solar panels with the latest generation OneSolar Home Series solar inverters – the most advanced in their field – for a superior solar power system that’s built to last.

Benefits of OneSolar Home Series solar inverters

  • Safe and reliable
  • High quality and expandable over time.
  • High system performance, even when panels are dirty or in partial shade.
  • A true integrated solar power system, with accredited installation.

Monitor your energy generation and system health in real-time with handy Wi-Fi connectivity on your desktop or mobile.
VicSolar is proud to partner with OneSolar as the only Victorian solar retailer offering their world-leading technology to enhance the solar power systems we offer. We only provide quality when it comes to solar power:

  • We’ll tailor a system that’s just right for your electricity needs and budget.
  • We make the process easy for you.
  • Installation by fully licensed, CEC accredited installers.

Interested in good looking and high performing solar power?
Talk to us on 1300 667 499.


09/08/2017

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Travel – Holiday Insurance Online Quote #travel #weather

#travel insurance quote
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Travel insurance quote

It only takes a few minutes to get a quote for travel insurance online. You can then decide whether to apply for cover straightaway. Before you start, please look at the What you should know before you apply section below.

What you should know before you apply

In order to apply you and anyone covered on your policy must be:

  • Permanent residents of the United Kingdom
  • Travelling from and returning to the United Kingdom
  • Not travelling already
  • Registered with a GP in the United Kingdom

Annual multi-trip age limit 80 (70 if travelling to the USA, Canada or Caribbean Islands). Single trip no age limit (except 80 if travelling to USA, Canada or Caribbean Islands).

Medical conditions

We’ll also ask you a few questions about any existing medical conditions you, or anyone travelling with you, may have. We’ll tell you if we can provide cover for these conditions – and if we’ll charge an extra premium. Then you can decide whether you want your policy to include them.

What you’ll be asked for

  • Your main destination and the regions you want your policy to cover
  • The name and date of birth of every adult and child you want your policy to include
  • Your email address, home address and postcode
  • Your card details if you decide to buy. You can pay using an M S Credit Card, M S Debit Card, M S Chargecard, Maestro, Visa, Visa Debit or MasterCard

Online discount

The 15% online discount is available when you buy a new policy online (excludes renewals). You can also receive this discount each time you take out a new single trip policy.

Important information

We’ve carefully selected AXA Insurance UK plc to underwrite this quality travel insurance. Terms, conditions, exclusions and limitations apply. In addition there are important conditions relating to health which may affect your cover.

It’s important to consider any other travel insurance you or any other traveller may have when deciding to purchase this product as you will only be able to claim against one policy.

Before you start your quote, read our important information about travel insurance.

By clicking ‘Start your quote’ you confirm that you have read and accepted the Policy Booklet. Please take care to answer all of the questions honestly and ensure that your answers are accurate and complete. If you don’t, it may mean that we are not able to deal with your claim or your policy may be cancelled.





09/08/2017

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Get a TD Travel Medical Insurance quote #e #travel

#travel insurance quotes
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Need help?

It s fast and easy to get your quote

Select your plan

What type of insurance do you need?

One Trip

Per Trip Plan:

Perfect for occasional travellers. Get it for trips up to 182 days (up to 212 or 365 if you live in certain provinces).

55+ Extended Stay Plan:

This is travel medical insurance designed for snowbirds who are 55 years of age and older and travelling for 30+ days out of their home province or territory.

Multiple trips (Annual Plan):

Ideal for frequent travellers. This plan provides coverage for an unlimited number of trips up to 17 days each, with the added benefit of Trip Cancellation and Trip Interruption coverage.

Trip Cancellation and Trip Interruption Insurance:

Purchase this coverage to enjoy financial protection in case your travel plans are cancelled or disrupted for reasons like illness, injury, inclement weather or natural disasters. Please note that trip cancellation and trip interruption benefits available in the Annual Plan differ from this product.

Note: Are you already covered by a similar travel insurance product? If you are unsure, or if you want further information, please call us.”> We offer different insurance plans to meet your needs One Trip Per Trip Plan: Perfect for occasional travellers. Get it for trips up to 182 days (up to 212 or 365 if you live in certain provinces). 55+ Extended Stay Plan:This is travel medical insurance designed for snowbirds who are 55 years of age and older and travelling for 30+ days out of their home province or territory. Multiple trips (Annual Plan):Ideal for frequent travellers. This plan provides coverage for an unlimited number of trips up to 17 days each, with the added benefit of Trip Cancellation and Trip Interruption coverage. Trip Cancellation and Trip Interruption Insurance:Purchase this coverage to enjoy financial protection in case your travel plans are cancelled or disrupted for reasons like illness, injury, inclement weather or natural disasters. Please note that trip cancellation and trip interruption benefits available in the Annual Plan differ from this product. Note: Are you already covered by a similar travel insurance product? If you are unsure, or if you want further information, please call us.

One trip (Per Trip Plan or 55+ Extended Stay Plan)

  • Multiple trips (Annual Plan)
  • Trip Cancellation and Trip Interruption
  • Province or territory of residence You must be a Canadian resident to purchase Travel Medical and Trip Cancellation and Trip Interruption Insurance. If you have questions about whether you qualify, br/ please call 1-800-293-4941 br/ Mon.-Sat. 8:00 a.m.-9:00 p.m. EST.





    04/08/2017

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    Annual Travel Insurance Online Quote. Annual quote #murdock #travel

    #travel insurance quote
    #

    Travel Insurance Quotes Online

    Annual Travel Insurance and Single Trip Insurance

    When you’re travelling, make the most of your trip with HSBC Travel Insurance. Choose from a comprehensive range of options designed to cover you both in Australia and worldwide and enjoy a carefree holiday with:

    • Single, duo or family cover.
    • Single trip or annual travel insurance.
    • Medical cover overseas.
    • No excess on benefits for travellers under 81 years.
    • Cover for lost luggage and travel documents.
    • 24 hour emergency assistance.

    Comprehensive Travel Insurance Cover

    International single trip policy offering comprehensive travel insurance for Australians travelling worldwide, including substantial cancellation, luggage, medical repatriation cover.

    Cover in Australia

    Single trip policy offering cover designed for Australians travelling domestically including cover for luggage and the risk of cancellation or disruption of travel.

    Budget Cover

    An international rescue and medical policy designed for the budget conscious traveller. Your quote will include medical repatriation cover for Australians travelling overseas.

    Frequent Traveller – Annual Travel Insurance

    Frequent Traveller is an annual multi trip policy designed for frequent travel by an individual or the whole family. It provides comprehensive annual cover for multiple business and leisure journeys both internationally and in Australia.

    For details about complimentary Travel Insurance available with HSBC Platinum and HSBC Premier credit cards, please refer to our credit card comparison page.





    01/08/2017

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    Car Insurance Quote – Compare Free Auto Insurance Quotes Online #fast


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    Customized Car Insurance Quotes – Fast, Free and Easy!

    When you are searching online for a car insurance quote, there are a few items that should be important to yourself and you’re family. You want to find a reliable auto insurance company, the right amount of liability or comprehensive coverage, and of course, the cheapest car insurance rate available from the best company. Our free service is committed to helping United States consumers like you find cheap auto insurance at a price you can afford. We match you with quotes from the top auto insurers nationwide that compete to provide you the very best quotes for your automobile. Utilizing our free, online service, you can rest assured that you are getting access to the best companies that offer low cost coverage at a price you can afford.

    How We Help You Find the Cheapest Car Insurance Quote

    We help you find a cheap car insurance quote in several ways. First, we provide a quick and easy way of getting a cheap car insurance quote comparisons. Simply enter your five digit zip code and you will be on your way to a getting low cost car insurance for your motor vehicle. You will be contacted by local agents from companies offering you the most complete auto insurance coverage with affordable, low cost premiums at a price that will make you happy. All you have to do is choose the policy that’s right for you!

    In addition to providing you the easiest way to find a cheap auto insurance quotes, we also provide a learning center, tips and articles to help you save money on your coverages. With so much information covering a broad range topics, we’re sure to have answers to tough questions.

    Our comprehensive automotive guides examine the different state laws, coverage requirements and other important auto insurance requirements based on your state of residents. From Alabama to Wyoming, you can learn about average car insurance premium rates, how auto insurance coverage rates are determined and what you can do in your state to lower your auto insurance coverage.

    What to Look for When You Compare Car Insurance Companies

    When you compare auto insurance companies after obtaining free quotes, be sure to take note of several items that will help you obtain a better auto insurance rate quote. When requesting a quote, remember that the largest, most well known auto insurance companies won t necessarily give you with the cheapest automobile insurance quote or the best customer care if you are ever in an automobile accident or need to make an auto insurance claim. While you review and compare, please remember that there might be less well known companies that can offer top notch service and cheaper rates on your vehicle.

    When you compare low cost quotes for your automobile, there are several factors you should look at while reviewing you quote. If you are deciding to buy between a couple different quotes offering different coverage options or premiums, researching the company may help you make your decision on which policy may be best for your circumstances. Here are a few tips to help you compare quotes and make buying an auto insurance policy from specific companies a little easier.

    1. Research the auto insurance company after getting a rate quote. We work with many trusted companies, but you may consider checking with the state to determine if there might be any notable compaints against the company that might make you choose not to do business with them. You can do this by contacting your state s insurance department by phone or online.

    2. Consider the company reputation and history while you compare each quote from the providers you talk to. Find out how long the company has been providing auto insurance rates in your state. Do they provide high quality customer care? Are their policies different than your existing coverage? Do they have any complaints with the Better Business Bureau?

    3. Look at their process for filing auto insurance claims when you compare companies. Ask about the company process for filing a claim for an automobile accident and how long the process usually takes. If you are ever involved in a car accident, you’ll want to make sure the company handles the claim in a timely manner.

    4. Ask friends, family and co-workers when shopping for a cheaper policy. Sometimes, the best way to find a reputable car insurance company is to ask the people you trust. Explain that you are looking for auto insurance quotes and you need recommendations on different companies. See how long they have been with their company, if they have gotten cheap quotes from other companies and if they have ever had to file a claim and how long it took. You could also talk to a mechanic at a trusted auto repair shop about policy suggestions as they may have ideas on which of their clients have had good and bad experiences.

    5. Go with your gut feeling. When you compare and get rate quotes, go with the company that makes you feel most comfortable. Follow your instincts while getting a quote comparison. Was the agent or company representative able to answer all your coverage and policy questions? Did the agent treat you with courteous and respect? Were they honest about what coverage you needed and did not need or did they just try to sell you additional coverages you felt that you could do without?

    Finding the Right Car Insurance Quote

    When you are shopping to buy car insurance online, be sure to remember that the cheapest quote doesn t necessarily mean you will get the best value on your automotible coverage. The Insurance Information Institute recommends getting at least three car insurance quotes from three separate auto insurers. When you have the rate quotes, look beyond the dollar amount to what the vehicle coverage actually covers. Be aware of the several other factors that could affect you if you are ever in an automobile accident or need to make a claim such as the type of coverage, the coverage amounts, deductibles, what is covered and more importantly, what is not covered in the ‘policy exclusions’ document.

    When you compare quotes from multiple providers, consider what is covered in a policy and that you’re getting an apples to apples comparison. You might be surprised to find out the coverages quoted may be different depending on how many drivers are on the policy, whether you have home or renters insurance and even your zip code. When it comes down to reviewing and deciding to buy the most affordabe coverage from the best company, be sure to compare multiple providers so that you can find out which company actually offers the cheapest car insurance with coverage that meets your expectations.

    Start Saving on Your Car Insurance Premiums Today!

    You can quickly and easily find a cheap auto insurance quote by entering your zip code. Simply fill out the quick and easy form so our agents can create a personalized plan that fits your needs. There is no commitment and no cost for a car insurance quote. Whether you decide to switch your automobile insurance coverage or purchase a new policy, our service is completely free. Getting a free quote is always, fast, easy and free!

    Drivers May Save up to $428 Per Year!


    30/07/2017

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    Time Quotes and Sayings #quotations, #quotes, #time, #quote, #quotation, #saying, #sayings


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    It is an old story, this irresistible and ceaseless onflow of life and time; time always scattering the flowers of life with a lavish hand along its course.

    Hamilton Wright Mabie (1846 1916), “New Year’s Eve” (c.1885), My Study Fire

    Time, hurries swiftly on,
    Each fleeting year seems shorter than the last,
    And many hopes which cheered its opening dawn,
    Are buried with the past.

    Mary Ann H. Dodd Shutts (1813 1878), “Passing Time”

    I have seen a flower blooming in beauty in a secluded vale, and, ere I had a chance to look again, a chilly breath of air had scattered its petals and left it a ruin.

    Charles Lanman, “Musings,” 1840

    Have regular hours for work and play; make each day both useful and pleasant, and prove that you understand the worth of time by employing it well. Then youth will be delightful, old age will bring few regrets, and life will become a beautiful success.

    Louisa May Alcott, Little Women. 1868

    Time is the only one of life’s resources that when it’s all spent, you wish you had spent more of it foolishly.

    Time is that stuff between paydays.

    Clocks slay time. time is dead as long as it is being clicked off by little wheels; only when the clock stops does time come to life.

    As if you could kill time without injuring eternity.

    Henry David Thoreau, “Economy,” Walden. 1854

    Sometimes I feel that life is passing me by, not slowly either, but with ropes of steam and spark-spattered wheels and a hoarse roar of power or terror. It’s passing, yet I’m the one who’s doing all the moving. I’m not the station, I’m not the stop: I’m the train. I’m the train.

    Martin Amis, Money: A Suicide Note. 1984

    The clock talked loud. I threw it away, it scared me what it talked.

    Tillie Olsen, Tell Me a Riddle

    Men talk of killing time, while time quietly kills them.

    In reality, killing time is only the name for another of the multifarious ways by which Time kills us.

    I grow impatient of the march of days.
    In stupid single file they walk along,
    Sick old women with indomitable wills,
    Saying, “I must go on.”
    And they all do.
    Sometimes I think I’d like to get in back of the line,
    And kick the last one, hard.
    Unfortunately, there is no last.
    Instead, I walk along with each one in turn,
    Never finding a beginning,
    Or an end.

    Rose-Marie Harris, “Dragging Mood,” in College Verse. November 1931

    Every day a thread makes a skein in the year.

    Days are stringed instruments and every one strikes a different note.

    Kenneth Alfred Evelyn Alexander (c.1890 1953), “The I.O.U.’s Have It,” in The New Zealand Railways Magazine. 1931 June 1st

    [W]hen you are nine years old, what you remember seems forever; for you remember everything and everything is important and stands big and full and fills up Time and is so solid that you can walk around and around it like a tree and look at it. You are aware that time passes, that there is a movement in time, but that is not what Time is. Time is not a movement, a flowing, a wind then, but it is, rather, a kind of climate in which things are, and when a thing happens it begins to live and keeps on living and stands solid in Time like the tree that you can walk around. And if there is a movement, the movement is not Time itself, any more than a breeze is climate, and all the breeze does is to shake a little the leaves on the tree which is alive and solid.

    Robert Penn Warren (1905 1989), “Blackberry Winter,” 1946

    For disappearing acts, it’s hard to beat what happens to the eight hours supposedly left after eight of sleep and eight of work.

    But what minutes! Count them by sensation, and not by calendars, and each moment is a day.

    Time goes, you say? Ah no!
    Alas, Time stays, we go.

    Henry Austin Dobson

    Old Time, that greatest and longest established spinner of all. his factory is a secret place, his work is noiseless, and his hands are mutes.


    30/07/2017

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    Ayala Insurance Service, Auto – Home – Life #phoenix #insurance, #phoenix


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    Welcome to Ayala Insurance

    Thank you for visiting our website for your insurance needs. We offer great rates on all of your coverage needs. Auto Insurance, Homeowners Renters Insurance, Motorcycles, Health, Life, Boats, RV’s, and more.

    Get your custom auto insurance quote in just 5 minutes!

    We’ve recently upgraded our online quote system! In our ongoing efforts to make managing your insurance needs easier, we have upgraded our quoting system here on the website. Live rates are presented on the website, and are sent to an agent for review follow up.

    Our agents will contact you to schedule an appointment once they receive your quote. If you prefer immediate action, simply dial the quote number above to be connected with someone who can assist you further.

    Need other kinds of insurance? We also do online quotes for Homeowner’s Renter’s Insurance. Motorcycle ATV Insurance. Boat Jet ski Insurance. If you still need other kinds of insurance, we’re just a phone call away.

    Great insurance companies, with great customer service

    At Ayala Insurance, our exceptional agents and customer service representatives work hard to get you the best possible coverage for your budget. Our goal is to make every customer a satisfied customer. We compare rates from many insurance companies to find the right fit for your specific situation. As an Independent Insurance Agency, we are able to compete very well against most rates out there. We take pride in finding better coverage at a lower cost to you.

    Get the auto insurance coverage that’s right for you

    Do you just need state minimum liability insurance? Full coverage? SR-22? Towing and Rental? Our agents will listen to your needs and help you find the perfect insurance product for you! With Ayala Insurance, you don’t need to worry about pushy agents trying to sell you coverage that you don’t want or need. We listen, and respond to your needs with a policy that fits.

    Bundle all of your insurance needs for incredible savings and discounts

    We offer a very wide range of insurance solutions for your convenience. From personal auto and homeowners insurance, to health and life insurance products. The more coverage we can bundle together for you, the better your rates will be! For you business owners out there, we offer just about any kind of insurance you need to keep your business assets protected. Commercial Package Policies, commercial auto and fleet auto policies, property, liability, group health insurance, and more! Ask an agent today.

    Ayala Insurance offers many convenient ways to get an insurance quote

    You can call or come by any of our offices, anytime. If you prefer, you may also Email us. or complete one of our online insurance quotes for the insurance product that fits your needs. Whatever is most convenient for you! Ayala Insurance Service makes it easy to get a great quote, purchase, and manage your policy.

    Copyright 2009-2014 Ayala Insurance Service, LLC. All Rights Reserved.
    3550 W Glendale Ave Phoenix, Arizona 85051

    Ayala Insurance, and the road curving left into the sun are Trademarks of Ayala Insurance Service, LLC.


    26/07/2017

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    Auto and Home Insurance Quotes #cheap #auto #and #home #insurance, #auto


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    Auto and Home Insurance Quotes

    Insurance is very useful in today’s fast paced competitive world, where you might be prepared for emergency situations and feels secure. Your investments are protected and you will never worry about anything bad happening to your car or home as it is insured and you are not going to get it fixed. If you are worried about paying a high monthly premium, then that is not the case as you can always get a very good policy for a very reasonable monthly premium as package of home and auto insurances are not that expensive and it is just a myth.

    Auto Insurance

    Click at “Get a Free Quote” above to get low cost rates.

    Home Insurance

    Click at “Get a Free Quote” above to get the cheapest rates.

    Why Go for an Insurance Policy?

    Having your home and automobile insured will make you feel hassle free and stress-free as it will cut off the stress of the maintenance of these both. As you know that the vehicle and your house are insured and will get fixed according to the policy then there is no need to feel stressed about the good maintenance of your assets. These benefits must be enough to convince you to buy the best possible policy that is affordable for you. However, this is where the actual issue occurs, as it is difficult to find a deal of affordable insurance policy. You have to go through different websites and different offices and then call them to know if they actually exist or are simple scams.

    How Can You Save Up to $ 500?

    Here is the best tip for you just visit this amazing page, and save up to $500 on your policy. This is very simple as you just have to make few clicks and get the best quotes by which you can easily save money in a matter of minutes. It offers quotes for both home and car insurance where you simply have to enter your area’s zip code and it will give you a quote that can help save you a lot of your money. Now you never have to worry about finding the best policy for your car or home as it has eased out the whole process.

    Firstly, combined policy helps you to overcome the stress related to the maintenance of your house while on the other hand by getting free quotes you will be able to feel free from the fuss of looking for the cheapest deals on policies offered in your area. Giving your zip code and clicking “get free quote” will open up an additional form where you have to write important information about your car or home whichever you are looking for. This will give you an access to locally registered companies like Esurance offering comparison of auto or home insurance policies .

    By assessing and comparing the prices, you can find the most reasonable one and help yourself save a really good amount of money without any kind of hassle. If you are interested in deal on combined home and auto insurance policies. then you will get quotes for them as well. it is a very good idea to opt for such a policy as it decreases the cost of premium defense payments for your house while providing extra benefits like additional defense for your automobile even inside your premises.

    Get lower quotes through comparison tool, enter 5 digits zip code. Then flll in some data about your house, auto or yourself in case of life or health protection. It needs to calculate how much premiums should be paid. Then you will get quotes in minutes.

    Dana Silston

    Operation Officer


    26/07/2017

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    Homeowner – s Insurance #homeowner\’s #insurance #quote


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    CSE Homeowner s Insurance

    Owning a home is not only an accomplishment to be proud of, it s likely your biggest investment and where your heart is. We re here to protect what you have worked so hard to build. CSE’s Home Insurance offers comprehensive coverages to protect your home, belongings and separate structures (such as a detached garage) against everyday risks. We also offer a number of discounts to help keep your protection affordable and secure your peace of mind.

    Get Started!

    What Does CSE s Home Insurance Cover?

    Our most common policy coverages are:

    • Physical Damage Protection
    • Coverage for separate structures
    • Possessions coverage
    • Liability coverage
    • Medical payments coverage
    • Additional living expenses coverage

    Additional coverage options:

    • Identity recovery coverage
    • Equipment breakdown coverage
    • Extended replacement cost
    • Sewers and drains coverage

    Our priority is to give you the highest feeling of security when it comes to your house.
    We achieve this through our strong legacy and reputation for prompt, fair and hassle-free
    claims payments. And we take pride in helping you plan for the unexpected. It’s really that
    simple for us.

    Your local and knowledgeable CSE Independent Agent will help customize a home
    insurance package for you with the coverages that fit you best at the right price .

    Multi-Policy Discount
    You could save up to 12% when you insure your automobile with CSE or 13% when you insure your auto and umbrella insurance with us.

    Burglar Alarm or Fire Protection System Discount
    Save up to 18% if you have a burglar alarm or fire protection system, including fire sprinklers.

    Loyalty Discount
    Save up to 5% when you keep your policy with CSE.

    New Home Credit
    Homes less than 15 years old are eligible for a credit with CSE.

    Civil Servant Discount
    Save 10% on your home insurance with CSE as an employed or retired civil servant professional.


    26/07/2017

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    Free Insurance Quotes – Quick Auto, Health, Home and Life Insurance


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    GET FREE INSURANCE QUOTES!

    Insurance Questions Answers

    What is term life insurance?

    Term life insurance is one of the most popular – and least expensive – ways to get the life insurance coverage you need to protect yourself and your loved ones. Term life insurance is also one of the simplest types of life insurance, and many policyholders like the straightforward nature of the product. Unlike some of the more complicated types of life insurance coverage, term life insurance provides a death benefit – and only a death benefit – to the beneficiary or beneficiaries named in the policy. There is no investment component, only a benefit payable upon the death of the policyholder.

    What is mortgage protection insurance?

    There are many reasons why an individual would want to purchase a life insurance policy to protect his or her loved ones in the event of their untimely death. One of the most common – and most important – reasons is so that those loved ones can keep the family home even in the absence of their main breadwinner. Life insurance companies have designed a product to make this goal easier, and this product is known as mortgage life insurance. Mortgage life insurance is specifically designed to pay off the mortgage in the event of the policyholder’s death, and many people enjoy the peace of mind of this special type of coverage.

    What is no exam life insurance?

    Life insurance is an important purchase, and it is important to know the rules governing the various policies on the market. One of the most important rules in the world of life insurance revolves around verification of good health, and many insurance companies require some sort of medical exam before agreeing to extend coverage. This requirement can cause some problems for those with preexisting medical conditions and other health issues, and can even cause some to forgo needed coverage. No exam life insurance provides those individuals with a viable option, and it is a good idea for those with health concerns to check these policies out. As the name implies, there is no health exam required for coverage, providing much needed peace of mind even for those with present or past health challenges.

    How much life insurance coverage do I need?

    This is another question to which there is no one right answer. The key to choosing the optimum life insurance coverage is to look at your own individual circumstances, including the living expenses of your family, your current and projected future income, monthly cash flow and of course your budget. Shopping around can help you to get the most for your money, so be sure to compare insurance offers carefully. While there is no hard and fast rule, a good rule of thumb is to purchase a policy equal to 20 to 25 times your annual salary. This amount of coverage gives your survivors a good shot at living off the earnings of the death benefit without having to invade the principal to pay their living expenses.

    How can i save money on life insurance?

    There are many ways to save money on life insurance premiums, but one of the most effective is simply to shop around. Shopping around can save you a great deal of money, and it is important to compare coverage offers carefully. Simple things like staying in good health, exercising and eating right can also reduce life insurance premiums. Many lie insurance companies will require a medical exam, and would be policyholders should be prepared for this important health assessment. Quitting smoking can also have a serious impact on premiums – smokers can even use the savings as an incentive to finally kick the habit.

    Insurance Definitions

    INSURANCE QUOTES BY STATE


    23/07/2017

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    Get Connecticut Homeowners Insurance from Nationwide #connecticut #home #owner #insurance, #homeowners


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    Connecticut Homeowners Insurance

    Search all Connecticut Agents

    Connecticut Links

    Owning a home is part of the American dream. If you’ve put down roots in Connecticut, homeowners insurance is crucial to protecting you and your family’s home. Whether you live in Stamford, New Haven, Bridgeport or any other great Connecticut town, Nationwide renters insurance can help you in the event of theft, water backup damage, certain natural disasters and more. Our policies are reliable, affordable and customizable so you can get the homeowners coverage you need to fit your budget. Get a Connecticut home insurance quote from Nationwide and see if you qualify for one of our homeowners insurance discounts today.

    Get reliable insurance coverage for your home

    Find local agents in your neighborhood

    We have Nationwide agents throughout Connecticut. Find your local agent .

    Whether you own a residence in Hartford, a townhome in Waterbury or a ranch-style home in the Norwalk suburbs, our Connecticut home insurance policies have you covered.

    • Brand New Belongings ® helps you replace or repair your personal belongings if they are damaged, destroyed or stolen .
    • Water backup 1 can help protect you from losses caused by backed-up sewer or drain water.
    • Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.

    Nationwide agents throughout Connecticut are ready to assist you. Select your city below to find an agent near you.

    Don’t see your city? Visit our directory of insurance agents in Connecticut to find one near you.

    Get a free Connecticut homeowners insurance review

    A Nationwide On Your Side ® Review is a free, annual consultation and insurance assessment that can help you:

    • Increase or decrease your deductible(s)
    • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side ® Review is a great time to make these types of updates to your policy.
    • Review our responsive home insurance claim policy

    Call Nationwide at 1-877-On-Your-Side and get your Connecticut homeowners insurance quote today.

    [1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

    Share Article


    21/07/2017

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    Liability Umbrella Insurance in Canada #liability #insurance, #intact #liability #insurance, #liability


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    Liability Umbrella Insurance

    If you re in an accident that causes bodily injury* or property damage to someone else, you could be sued.

    Personal umbrella coverage will protect your assets against certain lawsuits, and cover your legal expenses and loss of income while preparing your legal defense.

    Talk to a broker about topping up your existing coverage with a liability umbrella policy if you are:

    • A home or condo owner
    • An owner of a recreational property (like a cottage), rental property, boat, or snowmobile
    • Active in your community
    • A volunteer for school field trips or outings with your children’s friends
    • A frequent traveler (even on short business trips)
    • A volunteer or a director of a non-profit organization (including condo corporations

    * Except for damages covered by the Soci t de l’assurance automobile du Qu bec.

    How a broker can help

    More than 200 companies provide insurance to consumers in Canada, each offering its own unique coverage. It can be confusing and time-consuming to compare different insurance products.

    That s why an independent insurance broker is your best ally. Intact Insurance works with a network of more than 6,000 independent broker offices across Canada.

    The brokers we work with are licensed professionals who work for you. They do the legwork to find you the best insurance coverage at a price you can afford. Talk to a broker about the protection that s right for you.


    21/07/2017

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    Car Insurance Calculator #car #insurance #quote #quick


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    Car Insurance Calculator

    What sort of car insurance ‘risk’ are you?

    Ever wondered why everyone pays a different premium for their car insurance. It’s because the amount you are charged for cover is based on a statistical assessment of how much risk you pose.

    The greater risk you pose of being involved in an accident or having your vehicle stolen, the more likely it is your insurer will have to pay out for a claim.

    Someone with a very expensive and powerful car will generally pay more than somebody with a cheaper, less powerful car. Similarly, someone with 20 years’ driving experience will tend to pay less than someone who’s just removed their L plates because, statistically, an experienced driver poses a lower risk.

    But these are only rules of thumb, and insurers take several other factors into consideration when setting your motor insurance premiums. At MoneySuperMarket we regularly crunch the numbers behind millions of car insurance quotes to analyse market trends and help you get an estimate on your premiums.

    What is the cost of car insurance?

    According to MoneySuperMarket data, the average cost of annual car insurance in spring (March – May) 2016 was £470. This is an increase of 11.8% compared to last year (meaning you will now pay £50 more than a year ago). Compared to two years ago the change is even more significant. The average cost in spring 2014 was just £390 – prices have jumped £88 or a big 22.6% since then.

    MoneySuperMarket’s car insurance data monitor analyses the impact of age, gender and location on car insurance premiums to find out how much of a risk different groups are considered to be in the eyes of insurers.

    Average car insurance premiums 2010 – 2016 by age*

    The graph below shows how the cost of car insurance has changed in the last six years and is segmented by different age groups.

    *Source – MoneySuperMarket data

    Why are age and location important when calculating car insurance?

    We have focused on these areas as they tend to be among the most influential factors when it comes to calculating car insurance quotes.

    Age is a big factor when it comes to motor insurance premiums, as older drivers are seen by insurers to be less likely to be involved in accident. Generally speaking, this is because older drivers tend to have more experience behind the wheel, whereas younger drivers tend to have less experience.

    Those living in areas with higher crime rates also tend to pay more for cover. If your postcode is in a high-crime area, insurers will weight your premiums to account for the added risk of your vehicle being vandalised, damaged or stolen.

    How to bring down the cost of car insurance

    Bear in mind that our car insurance calculator only gives you the average price you can expect to pay. In reality, your premiums could be higher or lower. If they are higher, there are some steps you can take to help bring the cost down.

    1. Opting for a lower level of cover: Third party only cover tends to be cheapest of the three options, because in the event of a claim, the insurer is only obliged to pay for damage caused to third parties and property. It does not cover the driver against fire, theft, or damage to their own vehicle or themselves.

    Remember that although third party cover may be the cheapest option, were you involved in an accident you would have to pay for repairs to your own vehicle, so it may be a false economy.

    2. Pay a higher voluntary excess: Doing so typically earns you a lower premium as the insurer will be left with a smaller bill. However, you must not set your excess at a higher level than you can actually afford, because you will have to pay it in the event of a claim.

    3. Improve your car’s security. Keeping your car parked in a locked garage overnight and even installing insurer-approved security equipment such as immobilisers or steering wheel locks reduce the chances of it falling prey to thieves, and insurers should reflect this in their car insurance quotes.

    Years without claiming

    4. Build your no claims discount: For every year you drive without making a claim you can build up a discount when it comes to renewing your car insurance policy. The range of discounts offered are shown in the table.

    5. Take a young drivers advanced driving course: Pass Plus is a course that teaches young drivers extra skills outside of the practical and theory test, such as motorway driving, and, in some cases, helps young drivers to get cheaper premiums with some insurers.

    6. Add an experienced driver to your policy. In theory, having another driver on the policy reduces the amount of time you’ll spend behind the wheel and could therefore reduce your premiums if the insurer believes that the named driver is less likely to be involved in an accident.

    A word of warning though; you must never have a more experienced driver ‘front’ your policy for you as the main driver to get cheaper cover – this is known as fronting and is illegal. If you’re caught fronting you could end up in court for driving without motor insurance.

    Our car insurance comparison tool can give you an idea of what you can expect to pay, but follow these steps and you can earn yourself a better deal and feel epic.

    Did you find this helpful? Why not share this article?

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    In this Article

    15/07/2017

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    Level Term Life Insurance – Level Term Insurance, Level Term Life,


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    Level Term Life Insurance

    Overview

    The most popular type of life insurance is level premium term life. This is just one variant of many types of term life insurance, which include renewable term life, decreasing term life, convertible term life, and return of premium. Level term insurance offers temporary coverage for periods of 10-30 years. An annual or monthly premium is determined at contract signing based on the age and health of the policy owner. Level term life insurance differs from related term products in that it offers constant, as opposed to rising, premiums.

    Level Term Life Example

    Marry and Tom are both career professionals in their early 30’s earning middle class salaries. Two years ago Marry had a child and now she’s back at work. Although Tom and Marry make enough income to pay for mortgage and childcare, if one of them dies, the other would have a hard making ends meet; so they decide to buy life insurance. Marry and Tom want temporary insurance, figuring they only need 15 years of coverage while the young family is most vulnerable. They decide to get $500,000 of protection at a fixed annual price because they don’t want to deal with increases every year. After 15 years the term will end and coverage will expire. By that time either parent should make enough income to cover expenses if the other were to die.

    Difference Between Level Term and Other Types

    The key feature of level term life insurance is the fixed annual premium. Most other term products feature premiums that increase every year a fact driven by rising mortality charges due to increased likelihood of death as the policyholder ages. Level term offers constant premiums by averaging the policyholder’s mortality charges over the full term. This inevitably means lower back end premiums at the cost of higher up front premiums. Had the policyholder opted for non-level term life, his or her premiums would be lower the first half of the term than they would be under a level policy, but higher in the second.

    Who Should Buy Level Term Life?

    Level term insurance is best suited to younger heads of households who are not looking for investment or savings aspects in their life insurance policy. These individuals can receive low rates due to their age, and typically make use of temporary coverage to protect vulnerable periods in their lifetimes, such as raising children. Level term insurance is slightly more expensive than non-level term, making it appropriate for individuals preferring the peace-of-mind of averaged-out payments over lower but ever-increasing premiums.

    Alternatives to Level Term Life Insurance

    Non-level or renewable term life is the most common alternative to level term insurance. In these policies premiums increase every year, making them cheaper up front. For struggling families that need the lowest up front cost possible, non-level term life insurance is ideal. Renewable term life is another variant that allows the insured to prolong his or her policy after it matures without having to pass additional medical exams. This eliminates the possibility of not qualifying for a new policy after the original one expires a common disadvantage of non-renewable term life. The less sure you are about the length of time for which you need coverage, or the more worried about worsening health conditions, the more important renewable term becomes.

    Other alternatives include permanent life policies, which eliminate the risk of lapsing coverage and the need to re-pass medical exams altogether, albeit at additional cost.

    Request a free quote report with today’s most competitive level term life insurance quotes. Speak with an expert life insurance advisor for free. Start Now .


    13/07/2017

    Posted In: NEWS

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    Travel insurance, Get the best quote on international travel insurance –

    #travel insurace
    #

    The stuff of travel writers’ nightmares

    Lonely Planet’s travel insurance essentials

    It’s the final countdown to your next big adventure. You’ve got your passport and tickets, every pair of socks you own, and enough mosquito repellent to cover an elephant. But aren’t you forgetting something? Travel insurance, a safety net if things go wrong, should be right at the top of your list.

    Travelling wouldn’t be fun without surprises. But sometimes the unexpected leaves you whimpering in a hospital bed when you should be exploring the jungle. Injuries, illnesses, and even spewing volcanoes can tear up your perfect itinerary. And that’s where travel insurance can save you from distress – or at least from some of the costs, depending on the policy you buy.

    Reading through your policy won’t get your pulse racing, but it’s essential to check how you’re covered, what’s not covered and any conditions that apply before you set out – whether you bought annual travel insurance or cover for a short trip. Let’s face it, you won’t be in the mood to read through travel insurance exclusions if you’re shivering with dengue fever in Borneo, or nursing a broken hip (turns out you can’t ski backwards).

    You might think it’s ‘fine print’ but you really don’t need that magnifying glass. So let’s look at a few things you should consider:

    • Medical insurance. If the guidebook told you there were piranhas and you go for a swim anyway this isn’t covered, as it is putting yourself in a needless risk situation, and are not taking reasonable care. If you get in an accident and seriously injured abroad, you need to know if your expenses are covered (particularly in the USA where medical costs can be huge) and that they’ll help fly you home if you’re not able to keep travelling.
    • Sporting injuries. We wouldn’t dream of doubting your skills. But don’t hike up Table Mountain or bungee jump in New Zealand before checking if your policy covers it and if you’ll be helicoptered to hospital if you break a leg.
    • Contents insurance. If you don’t like having thumbprints on the lens of that fancy camera, imagine how you’ll feel if it gets snatched out of your hands on your tour of Europe. Check whether your travel insurance policy covers all your gadgets or if you need to take out extra cover for more expensive gear. Many policies also have conditions that apply to high value items so be aware of any exclusions that might apply.
    • Delay and cancellation. If the departures board is awash with cancellations, at least you might be able to spend your extended holiday in the airport with some of your expenses covered by your travel insurance.

    Make sure you compare insurance plans to get the right policy for you, whether you’re a carefree student, trekking across Canada with your family, or relaxing on a cruise. And think about how often you travel: do you need annual multi trip insurance for your mini-break addiction or single trip insurance for a one-off jaunt? If you’ve finally taken the plunge for a gap year or career break, look out for backpacker and long-stay travel insurance.

    At Lonely Planet, we want you to travel far and wide with the knowledge that someone will catch you if you fall. So get started with a quote for travel insurance and carefully read the policy to make sure it suits you.

    This service is provided by WorldNomads.com Pty Ltd under an agreement with Lonely Planet. World Nomads is supported by different insurers from around the world. Travel insurance pricing, policy benefits and terms and conditions will differ depending on the plan, options and upgrades you choose. You should always review the full description of coverage contained in the policy wording to make sure the policy is right for you.

    Travel inspiration and tips from Lonely Planet





    16/05/2017

    Posted In: NEWS

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    Travel – Holiday Insurance Online Quote #travel #writing

    #travel insurance quote
    #

    Travel insurance quote

    It only takes a few minutes to get a quote for travel insurance online. You can then decide whether to apply for cover straightaway. Before you start, please look at the What you should know before you apply section below.

    What you should know before you apply

    In order to apply you and anyone covered on your policy must be:

    • Permanent residents of the United Kingdom
    • Travelling from and returning to the United Kingdom
    • Not travelling already
    • Registered with a GP in the United Kingdom

    Annual multi-trip age limit 80 (70 if travelling to the USA, Canada or Caribbean Islands). Single trip no age limit (except 80 if travelling to USA, Canada or Caribbean Islands).

    Medical conditions

    We’ll also ask you a few questions about any existing medical conditions you, or anyone travelling with you, may have. We’ll tell you if we can provide cover for these conditions – and if we’ll charge an extra premium. Then you can decide whether you want your policy to include them.

    What you’ll be asked for

    • Your main destination and the regions you want your policy to cover
    • The name and date of birth of every adult and child you want your policy to include
    • Your email address, home address and postcode
    • Your card details if you decide to buy. You can pay using an M S Credit Card, M S Debit Card, M S Chargecard, Maestro, Visa, Visa Debit or MasterCard

    Online discount

    The 15% online discount is available when you buy a new policy online (excludes renewals). You can also receive this discount each time you take out a new single trip policy.

    Important information

    We’ve carefully selected AXA Insurance UK plc to underwrite this quality travel insurance. Terms, conditions, exclusions and limitations apply. In addition there are important conditions relating to health which may affect your cover.

    It’s important to consider any other travel insurance you or any other traveller may have when deciding to purchase this product as you will only be able to claim against one policy.

    Before you start your quote, read our important information about travel insurance.

    By clicking ‘Start your quote’ you confirm that you have read and accepted the Policy Booklet. Please take care to answer all of the questions honestly and ensure that your answers are accurate and complete. If you don’t, it may mean that we are not able to deal with your claim or your policy may be cancelled.





    16/05/2017

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    Annual Travel Insurance – Get A Quote #travelicity

    #yearly travel insurance
    #

    Annual Travel Insurance

    A dependent is defined by 1Cover as children or grandchildren, not in full time employment, who are under the age of 21 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 21 are dependants of the adult travellers. If the child is not classified under the above terms then please treat them as an adult traveller within this policy.

    When travelling as a group, dependants under 21 are not covered for free and they will be considered as travelling adults in order to be covered on a group policy.

    Annual Multi Trip Features Benefits

    Our Multi Trip policy covers unlimited journeys over a 12 month period.

    Save money and go on holiday as often as you like. We cover unlimited number of trips.

    Relax and take a long break. Each individual trip can be up to 90 days long.

    Get covered in Australia and Overseas. We have Domestic and international plans available.

    Cover to suit all ages. Annual policies available up to age of 64. We can still cover 64+ with our single policies.

    Our annual travel insurance provides cover for emergency medical, luggage and personal belongings, cancellation and more. Explore our Table Of Benefits to see all the cover provided.





    30/04/2017

    Posted In: NEWS

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    Annual Travel Insurance Online Quote. Annual quote #best #price #flights

    #travel insurance quote
    #

    Travel Insurance Quotes Online

    Annual Travel Insurance and Single Trip Insurance

    When you’re travelling, make the most of your trip with HSBC Travel Insurance. Choose from a comprehensive range of options designed to cover you both in Australia and worldwide and enjoy a carefree holiday with:

    • Single, duo or family cover.
    • Single trip or annual travel insurance.
    • Medical cover overseas.
    • No excess on benefits for travellers under 81 years.
    • Cover for lost luggage and travel documents.
    • 24 hour emergency assistance.

    Comprehensive Travel Insurance Cover

    International single trip policy offering comprehensive travel insurance for Australians travelling worldwide, including substantial cancellation, luggage, medical repatriation cover.

    Cover in Australia

    Single trip policy offering cover designed for Australians travelling domestically including cover for luggage and the risk of cancellation or disruption of travel.

    Budget Cover

    An international rescue and medical policy designed for the budget conscious traveller. Your quote will include medical repatriation cover for Australians travelling overseas.

    Frequent Traveller – Annual Travel Insurance

    Frequent Traveller is an annual multi trip policy designed for frequent travel by an individual or the whole family. It provides comprehensive annual cover for multiple business and leisure journeys both internationally and in Australia.

    For details about complimentary Travel Insurance available with HSBC Platinum and HSBC Premier credit cards, please refer to our credit card comparison page.





    30/04/2017

    Posted In: NEWS

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    Travel Insurance Quote – Travel Insurance India #south #hall #travels

    #travel insurance quote
    #

    Travel Insurance Quote

    Click on the plan below and you will be able to view plan information, get a quote or even purchase online via secure online and encrypted server. After purchase, you can then print your policy online and you also get email and/or postal confirmation of coverage. In the event of a claim, you contact the insurer directly for pre-certification of eligible claims. Our primary travel insurance provider is IMG. To find out more about IMG and their underwriter, click here.

    List of Insurance Plans

    Click for information and quote via a secure encrypted server

      IMG Visitors Care Plan  – A low cost plan which provides travel medical insurance coverage for individuals aged 14 days to 79 years old traveling outside their country of citizenship for a minimum of one month up to 24 months. Heart Disease, stroke and cancer are not covered, but a new Heart Care optional rider is available online.  Download plan brochure  for full details .
      IMG Patriot Travel Medical Insurance for Citizens of Around the worldA more comprehensive plan for Indian citizens and citizens around the world aged 14 days to 100 years old. You can obtain IMG Patriot travel insurance coverage for periods of 5 days to 12 or 24 months with up to $2,000,000 in emergency travel medical coverage with several deductible choices and options. Download plan brochure  for full details.
      Single-Trip Hospital/Medical For Canadian Residents : Get Emergency Excess Hospital/Medical insurance coverage that covers the Insured for single trips world wide, world wide excluding USA, and within Canada. Available to Canadian residents only who are covered by the provincial medical plan.
      Visitors to Canada Single-Trip Hospital/Medical . Emergency Excess Hospital/Medical insurance coverage that covers Insured individuals visiting Canada for single trips.

    From Expat Financial – You can view a wide variety of global medical insurance plans online.

    These plans do NOT cover pre-existing medical conditions. Please read plan terms and conditions carefully.





    04/04/2017

    Posted In: NEWS

    Tags: , , , ,

    Leave a Comment

    Travel insurance, Get the best quote on international travel insurance –

    #travel insurace
    #

    The stuff of travel writers’ nightmares

    Lonely Planet’s travel insurance essentials

    It’s the final countdown to your next big adventure. You’ve got your passport and tickets, every pair of socks you own, and enough mosquito repellent to cover an elephant. But aren’t you forgetting something? Travel insurance, a safety net if things go wrong, should be right at the top of your list.

    Travelling wouldn’t be fun without surprises. But sometimes the unexpected leaves you whimpering in a hospital bed when you should be exploring the jungle. Injuries, illnesses, and even spewing volcanoes can tear up your perfect itinerary. And that’s where travel insurance can save you from distress – or at least from some of the costs, depending on the policy you buy.

    Reading through your policy won’t get your pulse racing, but it’s essential to check how you’re covered, what’s not covered and any conditions that apply before you set out – whether you bought annual travel insurance or cover for a short trip. Let’s face it, you won’t be in the mood to read through travel insurance exclusions if you’re shivering with dengue fever in Borneo, or nursing a broken hip (turns out you can’t ski backwards).

    You might think it’s ‘fine print’ but you really don’t need that magnifying glass. So let’s look at a few things you should consider:

    • Medical insurance. If the guidebook told you there were piranhas and you go for a swim anyway this isn’t covered, as it is putting yourself in a needless risk situation, and are not taking reasonable care. If you get in an accident and seriously injured abroad, you need to know if your expenses are covered (particularly in the USA where medical costs can be huge) and that they’ll help fly you home if you’re not able to keep travelling.
    • Sporting injuries. We wouldn’t dream of doubting your skills. But don’t hike up Table Mountain or bungee jump in New Zealand before checking if your policy covers it and if you’ll be helicoptered to hospital if you break a leg.
    • Contents insurance. If you don’t like having thumbprints on the lens of that fancy camera, imagine how you’ll feel if it gets snatched out of your hands on your tour of Europe. Check whether your travel insurance policy covers all your gadgets or if you need to take out extra cover for more expensive gear. Many policies also have conditions that apply to high value items so be aware of any exclusions that might apply.
    • Delay and cancellation. If the departures board is awash with cancellations, at least you might be able to spend your extended holiday in the airport with some of your expenses covered by your travel insurance.

    Make sure you compare insurance plans to get the right policy for you, whether you’re a carefree student, trekking across Canada with your family, or relaxing on a cruise. And think about how often you travel: do you need annual multi trip insurance for your mini-break addiction or single trip insurance for a one-off jaunt? If you’ve finally taken the plunge for a gap year or career break, look out for backpacker and long-stay travel insurance.

    At Lonely Planet, we want you to travel far and wide with the knowledge that someone will catch you if you fall. So get started with a quote for travel insurance and carefully read the policy to make sure it suits you.

    This service is provided by WorldNomads.com Pty Ltd under an agreement with Lonely Planet. World Nomads is supported by different insurers from around the world. Travel insurance pricing, policy benefits and terms and conditions will differ depending on the plan, options and upgrades you choose. You should always review the full description of coverage contained in the policy wording to make sure the policy is right for you.

    Travel inspiration and tips from Lonely Planet





    03/04/2017

    Posted In: NEWS

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

    Leave a Comment

    Travel – Holiday Insurance Online Quote #book #flight #tickets

    #travel insurance quote
    #

    Travel insurance quote

    It only takes a few minutes to get a quote for travel insurance online. You can then decide whether to apply for cover straightaway. Before you start, please look at the What you should know before you apply section below.

    What you should know before you apply

    In order to apply you and anyone covered on your policy must be:

    • Permanent residents of the United Kingdom
    • Travelling from and returning to the United Kingdom
    • Not travelling already
    • Registered with a GP in the United Kingdom

    Annual multi-trip age limit 80 (70 if travelling to the USA, Canada or Caribbean Islands). Single trip no age limit (except 80 if travelling to USA, Canada or Caribbean Islands).

    Medical conditions

    We’ll also ask you a few questions about any existing medical conditions you, or anyone travelling with you, may have. We’ll tell you if we can provide cover for these conditions – and if we’ll charge an extra premium. Then you can decide whether you want your policy to include them.

    What you’ll be asked for

    • Your main destination and the regions you want your policy to cover
    • The name and date of birth of every adult and child you want your policy to include
    • Your email address, home address and postcode
    • Your card details if you decide to buy. You can pay using an M S Credit Card, M S Debit Card, M S Chargecard, Maestro, Visa, Visa Debit or MasterCard

    Online discount

    The 15% online discount is available when you buy a new policy online (excludes renewals). You can also receive this discount each time you take out a new single trip policy.

    Important information

    We’ve carefully selected AXA Insurance UK plc to underwrite this quality travel insurance. Terms, conditions, exclusions and limitations apply. In addition there are important conditions relating to health which may affect your cover.

    It’s important to consider any other travel insurance you or any other traveller may have when deciding to purchase this product as you will only be able to claim against one policy.

    Before you start your quote, read our important information about travel insurance.

    By clicking ‘Start your quote’ you confirm that you have read and accepted the Policy Booklet. Please take care to answer all of the questions honestly and ensure that your answers are accurate and complete. If you don’t, it may mean that we are not able to deal with your claim or your policy may be cancelled.





    02/04/2017

    Posted In: NEWS

    Tags: , , , , ,

    Leave a Comment

    Annual Travel Insurance Online Quote. Annual quote #one #travel.com

    #travel insurance quote
    #

    Travel Insurance Quotes Online

    Annual Travel Insurance and Single Trip Insurance

    When you’re travelling, make the most of your trip with HSBC Travel Insurance. Choose from a comprehensive range of options designed to cover you both in Australia and worldwide and enjoy a carefree holiday with:

    • Single, duo or family cover.
    • Single trip or annual travel insurance.
    • Medical cover overseas.
    • No excess on benefits for travellers under 81 years.
    • Cover for lost luggage and travel documents.
    • 24 hour emergency assistance.

    Comprehensive Travel Insurance Cover

    International single trip policy offering comprehensive travel insurance for Australians travelling worldwide, including substantial cancellation, luggage, medical repatriation cover.

    Cover in Australia

    Single trip policy offering cover designed for Australians travelling domestically including cover for luggage and the risk of cancellation or disruption of travel.

    Budget Cover

    An international rescue and medical policy designed for the budget conscious traveller. Your quote will include medical repatriation cover for Australians travelling overseas.

    Frequent Traveller – Annual Travel Insurance

    Frequent Traveller is an annual multi trip policy designed for frequent travel by an individual or the whole family. It provides comprehensive annual cover for multiple business and leisure journeys both internationally and in Australia.

    For details about complimentary Travel Insurance available with HSBC Platinum and HSBC Premier credit cards, please refer to our credit card comparison page.





    13/02/2017

    Posted In: NEWS

    Tags: , , , ,

    Leave a Comment