Understanding Insurance Quotes

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We have a selection of case studies, examples, comments and frequently asked questions on related 'Insurance Quotes' and 'Car and Travel Insurance' subjects.

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* Travel Insurance - Treat yourself and your belongings as if they were uninsured. Negligent treatment of possessions or alcohol and drug abuse, for example, will jeopardize your claim.

* Car Insurance - If you have been a named driver on someone else's policy. Does this entitle you to a no claims discount when you start your own policy? It is only possible for the policyholder to benefit from the no claims discount, but we can usually arrange an introductory discount for you if you are claim-free.

Car Insurance - Is a courtesy car provided in the event of an accident? Yes, provided you have chosen comprehensive cover, the car is repairable (not written off) and the claim is arranged through your insurance company’s approved repairer. The provision of a courtesy car will be subject to availability.
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INSURANCE continued...

* Travel Insurance - Always get a police report if you lose anything.

* Car Insurance - Paying by Instalments - Yes, we require a deposit to start your insurance and then the balance can be paid by Direct Debit over the following 10 months. A credit charge is payable and this will be added to your total premium.

* Advance Profits Insurance - This is designed to protect against the loss of anticipated earnings arising from new developments such as an office or factory under construction. If a problem or damage delays completion then the insured will suffer lost or delayed revenue from the new source of earnings. This type of policy compensates for that loss.

* Travel Insurance - If you have any pre-existing medical condition, let us know and we can advise you what to do. In most cases, the insurers will give full cover at normal rates and then there will be no danger that your claim is refused because you failed to let us know.

* Advance Rents & Interest Covers - This cover is for property developers and is designed to protect against an event which may happen resulting in their being unable to use the property being developed. The developer will be selling or letting the property and will expect a capital sum after completion of the building. If a delay occurs interest will continue to be paid on borrowed capital and the developer is denied the use of the profit. The developer can take out interest cover that is a policy that pays an agreed rate of interest on the proposed selling price of the property or, in some cases, on the amount of the borrowed capital. The interest would be applied on a per annum basis for the length of time that the completion is delayed. If a purchaser is known interest would be paid on the selling price during the period the sale is delayed in finding a new purchaser. If a purchaser is unknown the proposed selling price will be certified by an independent professional valuer. If the intention is to let the property the developer will lose the anticipated rent assuming that a tenant is certain. If no tenant is certain the cover may not be available.

Book Debts Insurance - This insurance covers the loss of accounting records by fire or other perils which can result in a significant financial loss. The insured may not be able to find records of debtors resulting in non-payment of outstanding debt balances.

These policies cover the shortfall of debt payment following the destruction of records. They do not cover bad debts though. This is covered by credit insurance.

The policies require the insured to declare the total of outstanding debt balances each month (within 30 days). Book debts are not covered by a standard business interruption policy as they were incurred before the date of the damage.

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We hope these have been helpful and look forward to your comment contribution...

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