It’s the Season for Campervans! Get a New Insurance Quote Today!

If you’re thinking about going for long trips with your campervan, you can definitely do so. However, you must make sure that you have the right cover. Accidents on the road happen, and being underinsured is actually one of the top problems that UK motorists of all stripes deal with. There has to be a better balance between a policy that’s cheap but ineffective and a policy that’s effective but not cheap…right? Thankfully, this is definitely the case. The rise of the Internet has made it a lot easier for UK consumers to look up insurance quotes, which means that insurers have lost their “homefield advantage”. They must trust that people will turn to them because they’re the right solution. They have to get more competitive with their insurance rates.

If you’re going to look up campervan cover, the little details matter. Getting the model and make of your vehicle is important, as well as the mileage. If you plan to go on a lot of trips, you may have to disclose that. Mileage restrictions aren’t as common as they used to be, but they can still occur.

You also want to make absolutely sure that you’re looking into multiple quotes. You might feel a little bit of loyalty to your current provider, but that doesn’t mean that you should stop the idea of saving money whenever possible.

Campervans insuranceYou need to think about what’s going to actually be in your best interest. Taking out a policy that has a slightly higher level of coverage than the minimum is a good thing. If you can’t do that, then you’re going to have problems later down the line. That’s just not what you want at all, is it? You have to think about things from your own perspective and then go from there — that’s really all you can do.

If you have a chance to look it up, you want to make sure that you’re going to also get roadside assistance with your policy. If it’s not an add on, then you need to take out a separate policy. Breaking down on the side of the road would be a disaster — especially if you have a campervan full of your most used items. That would be touch. You need to be aware of the situation and just plan accordingly before you head out on your next trip. Most of the time if you buy a policy online, it will be made active for you on the same day. This means that you have the right coverage from the beginning. Good luck!

Get your PPI money back – It’s yours when mis-sold

There has been a lot of buzz around how Payment Protection Insurance sales have been mandated to be reverted and the payments to be returned to those who were wrongly sold the policy for several years. When the High Court ruled over this matter, there was nothing that the banks could do but to oblige and conduct reviews to weigh how valid the PPI claims were when they all started coming in.

As a consumer who depends on credit for most your financial responsibilities, you could have been one of the millions of people who were offered this product at the time you were taking out a loan, credit card, or mortgage, and were eventually pushed to buy it. If there was at the very least, some irregularities in the way PPI was sold to you, you should know that you can now file a claim to get the payment back, and the interest it incurred since it sat alongside your credit account.

PPI money backIf you’re unsure what PPI is and that you have it on your account, you can begin by checking your documents for any reference to the policy. PPI is an add-on financial service meant to help consumers cover their debt repayments at a time where they are unable to because of a prolonged illness, recuperation from an accident, or being made redundant from work. It’s a non-compulsory product applied alongside any form of finance agreement and is subject to eligibility requirements. Looking through your statements or agreement forms can help you find out how much you have approximately paid to the policy and for how long. Also, upon agreeing to sign up to PPI, a policy certificate would have to have been sent out to you. It will contain all the essential information that you need to know about the product and your option to cancel the policy within a cooling-off period will also be indicated there. These documents, aside from letting learn a whole lot about PPI, will also serve as proof once you begin making a claim.

When reclaiming your PPI payments, you have the option of hiring a PPI claims expert to do the work on your behalf or you can do it by yourself. Either of them follows the same process nevertheless and the same turnaround time for the results. What you need to begin with is to put the PPI claim in writing. Calling your bank to clarify the issue will be an option but for an investigation to begin, they will need a written request from you along with pieces of information and documents that you may deem to prove the mis-selling.

There are several ways in which banks and other insurance broker have devised to mis-sell PPI. People have been shocked and upset to have realised they were fooled into one of those selling tricks. To help you write your claim and describe how it was wrongly sold to you, you can refer to the following: Continue reading “Get your PPI money back – It’s yours when mis-sold”

PPI Claims Process

The first step of filing a PPI claim is to piece together information that will constitute your claim. You need to pinpoint why you think you were mis-sold a PPI policy. You can claim that you were mis-sold a policy if the agent in-charge persuaded you to buy a policy to increase your chances of getting a loan or a credit card application approved. Some agents even go as far as telling their customers that a loan or credit card application can only be processed if it comes with a PPI policy.

A person who has been mis-sold a policy is usually never informed of the restrictions that come with PPI. A person who is retired, self-employed, or unemployed cannot be covered by a PPI policy. Only employed people can claim their PPI policies because insurers need proof that the policy holder can pay for the premiums. Retired, self-employed, and unemployed people can buy policies but they cannot take them out.

The same is true for people with a pre-existing medical condition. Some agents make the mistake of not asking you about any pre-existing medical conditions but insurers will not pay out for the PPI policy the policy holder did not declare any pre-existing medical condition.

Finally, some victims of mis-sold PPI policies simply did not know that they were already paying for them. Unscrupulous agents employ various methods of selling PPI policies by omitting details or making it sound like PPI is really necessary. Some agents dont even mention PPI at all. They just include the PPI premiums in the bill.

Once you’ve cited the reasons for your PPI claims, you need to gather evidence for it. Your claims company or your lawyer may ask you to fill up some forms. You also need to prove that the agreement for the loan or credit card was created in such a way that it was impossible to obtain it without getting a PPI policy. If you can, obtain a record of the interview so you can prove that you weren’t fully informed of the requirements (e.g. no pre-existing medical conditions, full employment needed, etc.).

Once you send your complaint to the bank or lender, your claim will either be accepted or contested. Many of them also put up a good fight. If you’re lucky, your PPI claims will take about 2 to 4 months to settle. If there are complicated circumstances surrounding your claims, it will take up to 9 months to reach a settlement for your PPI policy claims.

Planning a journey with kids

Planning a journey with kids can be a stressful prospect, from dealing with the boredom of a long flight, to the constraints of trying to keep little ones quiet so that others don’t get annoyed. Don’t forget to get the whole family insured for your own peace of mind and it doesn’t have to be costly. No matter where you’re trying to get to, or how exotic your destination, with a little bit of forward planning you can make sure that the trip is enjoyable for everyone from the people around you to the kids themselves. Here’s a few tips on how to do it:

Make the travelling part fun

If you can make the travelling fun then this will immediately engage little ones’ attention and make them think they are playing a great game with you, rather than doing something that is out of their normal routine and maybe a bit unnerving. Whether this means buying some fun individual luggage for kids who are old enough to pack and pull their own cases, or offering them the chance to wear something new or special – a favourite fancy dress outfit, pajamas or a brand new jumper – it will bring an element of novelty that will keep them distracted.

journey with kidsIt’s all in the preparation

Be prepared, especially if this is your first time travelling with little ones, as it can be quite an unsettling experience. Make sure you pack enough of all the essentials, from nappies and baby wipes (or hand sanitiser) to spare T-shirts, diaper bags and dummies. It’s a good idea to have these easily accessible during a journey – pack them into one bag if possible and store them in an organised way (rather than shoved in all together) so that as soon as you hear the first cry you know exactly what to reach for. It may sound obvious but don’t forget the toys! Distraction is key when travelling with kids and taking toys is one of the easiest way to do this.

Make use of distractions

Make use of any distractions available to you, whether that’s the countryside whizzing past the windows of the train, or the in-flight entertainment on a transatlantic flight. On a plane, the TVs in the back of the seats or overhead can be a godsend. Even if your kids won’t keep the headphones in they will still be distracted by the images enough to keep them quiet. If you don’t normally allow the kids to watch TV then this is a great time to relax the rules a little. They will be so excited that they’re unlikely to make a fuss the entire trip as long as the screens are on.

Don’t forget the food

There’s nothing worse than a grizzling, hungry child when you’re trapped in an environment when it’s difficult to get hold of their favourite snacks. Even if you’re travelling on a plane where you’re going to be fed, the food won’t necessarily be served at the right times and it might not be what your kid wants to eat. Take some snacks with you instead – avoid the high sugar treats with lots of E numbers if you’re going to be in a confined space – as well as some juice cartons and plenty of water.

With these few tips you’ll find that travelling with kids doesn’t have to be half the nightmare you might have thought it was likely to be. You might even find it fun!

Stay Focused On Your Mission To Fight PPI

When you first read about the big PPI scandal, chances are good that you’re going to be fired up. You’re going to want to bring those lenders to their knees. You’re going to be upset for not just yourself, but for everyone that was scammed in this scandal. There’s nothing wrong with that, but it’s easy to get distracted. The steps to claiming back PPI might be more than what you really want to do on your own. This means that it’s time to bring in other people that can go to work for you.

A good PPI claims company will not only just look into fighting for the PPI that you know about — they’re going to see about fighting for the PPI loans that you might have skipped over. The PPI scandal covers a 10 year period across the board, you could be holding onto a lot more PPI than you think. You just need to make sure that you take massive action right away. Giving up is something the lenders expect you to do — they will just absorb your fair share back into the victims compensation fund that’s been set up already. This means that your fair share, your heard earned money is just going to be absorbed back into a pool. That means someone else will be able to claim that money. Who wants to really deal with that if they don’t have to?

Fight PPIYou need to make sure that you’re always thinking about the bigger picture. There’s nothing “weak” about getting someone to help you. PPI is actually a pretty complicated matter. You can’t just plunge in and hope that everything is going to be okay. Remember that this is your money at stake — shouldn’t you use the best resources in order to really get your money back? We think it’s high time that people stopped trying to do all things on their own and they started to actually look into getting things done with a good legal team on your side.

There’s nothing to worry about and nothing to fear. There is no upfront payment. It’s done on a no win no fee basis, which is just what the name sounds like. If there’s no win, there’s really no fee at all. This is something the companies are willing to take a chance on. Will you roll the dice with them? After all, it’s safe to say that the dice are weighted in your favor!

Critical Illness and Life Insurance Are Far Cheaper Than The Alternatives!

If you’re thinking about critical illness and life insurance right now, you’re definitely not alone. It’s not an easy subject to broach in front of your family, but it’s important to get everyone on the same page. Just because you’re talking about it doesn’t mean that it’s much more likely to happen — you just want to make sure that you’re prepared. It’s very much like auto insurance. No one gets the best auto protection they can just because they’re betting on an accident, but it’s nice to know that you are covered in the event that something major does indeed happen to your vehicle.

That’s when you really want to make sure that you have the right coverage and everything set up. It’s the same in this situation. You might not be looking for a heart attack, stroke, or cancer, but these diseases are running rampant through our society. It’s important to plan in case the worst happens and you do have to make sure that you are tended to, for your family’s sake. The cost of treating the critical illnesses of today has gone up, which is very much a shame. Do you want to have to watch your family struggle to make ends meet? Not at all.

You will just need to ensure that you are thinking ahead of time to get things together.

First, you need to think about the type of coverage that you need. Your premiums are going to be determined by how much you’re looking for. Trying to figure out how much you honestly need to cover in the event of an emergency is going to be key. If you already know what type of bills you have both short term and long term, these calculations are going to be pretty easy.

Getting multiple quotes is also going to be important. Like with most financial products, you don’t want to just go with the first offer.

Does your credit rating really matter? Not as much as your current health. If you’re in good health, then you’re going to get a better premium and policy than someone who has preexisting health problems. It’s just a matter of risk.

For more information on your options, check out — you will definitely be glad that you did!

Digging Deeper Into The Multiple Types of Life Assurance

Life assurance is a great insurance product, but many people really don’t know a lot about it. They assume that life assurance is only for people nearing the end of their lives, but that’s not true at all. There are many young adults looking at all of their options for the future and choosing protection products for their families. The moment that you have more than just you relying on your income is the moment where you honestly need to consider life assurance. It’s not really a product just for the elderly in any way.

There are multiple types of life assurance policies out there, and it’s important to make sure that you really understand them before doing a lot of comparison quotes. It’s a smart idea to figure out what you can honestly afford and what you can’t afford. What isn’t a wise move is thinking that you can’t get anything because everything looks complicated. The world of insurance products in general is designed to protect you and your family through anything and everything that can happen.

Life assurance policies tend to be a bit more expensive than life insurance policies, but the increase in premium is worth it when you look at what you get.

That brings us back to those types that we talked about earlier.

The first type is a whole life policy. This is going to cover you for your entire life — no matter what. This is considered to be permanent life insurance since it sticks with you until the day that you die, as long as you get your premiums paid.

There is also universal life policy, which allows you to choose the way your premium payments are actually paid — you can use some of your stored up cash value in order to pay the premiums, in case life changes and you’re not able to really take care of your premiums the way you are used to.

There is a 3rd type, the variable life policy that gives you control over how to invest the cash values.

Which one is right for you? Honestly, we recommend universal life over many other types, but you will want to talk to an adviser who will know more about your own unique situation.

Don’t forget to read more about the issues behind life assurance today, including more about the three types mentioned in this guide!

Energy savers programme to benefit Birmingham landlords

Landlords in Birmingham have been dealt a helping hand from the city council, which has agreed to lend property owners cash to pay for energy-efficiency improvements.

The Birmingham Energy Savers scheme (BES), the second city’s equivalent of the wider government Green Deal, will be granted an initial £75 million to spend in its first three years, which will allow approximately 15,000 homes in the West Midlands to initiate energy-efficiency work, reports.

Landlords will be able to borrow money to pay for projects up front, with the cost of the work effectively paid off over time thanks to the savings made on gas and electricity bills. Rather than individuals being burdened with the loan, any outstanding sums will remain with the property.

In addition to being targeted at those with property owners insurance, the scheme will be made available to social housing projects when it launches in the autumn, corresponding to the gradual fall in temperatures in the lead-up to winter.

Birmingham City Council is yet to name a delivery partner for the project, though four companies have been shortlisted: E.ON, Carillion, SSE Energy Solutions and RWE npower.

Those with buildings and contents requiring further protection may also be eligible to a proportion of an additional £25 million being targeted by BES, which it hopes will be sourced from the government’s Energy Company Obligation budget.

Providing the scheme is successful and can attract private finance, the council hopes that it can be extended to a further 45,000 homes – though BES’s ambitions don’t end there. By 2026, it’s hoped that 200,000 homes throughout the second city and the West Midlands will have benefitted from a retrofit.

A number of housing associations have lent their support to the initiative; among them Accord Housing Association. Alan Yates, its group director, said that the scheme will be flexible enough to accommodate improvements to many different property types.

According to the National Landlords Association, the wider Green Deal scheme will allow landlords to improve their properties for free – although urged those with let properties to understand the consequences.

One of these is that, by 2016, tenants will be afforded the power to demand energy-efficiency improvements from their landlord. If a landlord refuses – without a reason they can justify – a local authority can effectively force them to have the improvements made. Any landlord who refuses the improvements risks being fined up to £5,000.

The law will strengthen further in 2018 with the introduction of the government’s minimum energy-efficiency standards. Unless a landlord has proof that they’ve done everything in their power using the Green Deal to bring a property up to band E, they will not be able to let a property falling into bands F or G.

The Green Deal will begin taking effect in October and is being billed as an opportunity for landlords to reduce maintenance bills and make their tenants’ homes more efficient and comfortable to live in.

The Best Life Insurance

Getting the best life insurance policy is very important. Many people think that price is the most important aspect and although it is an important factor, it is not the only thing that should be considered.

It is great to be able to save money on things like insurance, but you do need to be careful. You want to make sure that you are not spending less but getting a poor service as a result of that. It is therefore extremely important to read more than just the price when you are looking at your options. You need to consider whether you are getting good value for money. It is important to think about what is included in the policy.

It is worth therefore, thinking about what you want form the policy. What do you need in terms of cover and what are you getting with your current policy, if you have one. You may be getting things that you do not feel are necessary, but alternatively, you may feel that all the cover you are getting is what you need. Think this through and if you do not understand everything you are covered for, then find out. You can go to any institution that sells insurance to get an explanation of what the terms means, but you will also be able to find them online if you look. This should help you to be able to understand exactly what you are covered for, what various policies include and whether you think that these are necessary for you.

It might sound complicated, but once you have done this bit of research, you will have a good enough understanding to be able to use this knowledge every time you want to research life insurance policies. You will know what you expect out of your life insurance policy and be able to tell whether what you are getting is a good deal. Paying a small amount of money may seem the best thing to do, but if you need to make a claim, you want to make sure that you are covered. Insurance is there to give you peace of mind and you need to be completely sure that you get that from the policy that you choose because you know that it will cover you when you need it. So a bit of research can really pay dividends.

Professional Indemnity Insurance Protect you from Financial Losses

The professionals that are engaged into the business of sharing their knowledge to the clients in a way of offering services to them look out for Professional Indemnity Cover. It’s a kind of a protection shield that protects them from the claims of business injury. It helps them during their financial losses if any in case of any claims by the dissatisfied clients. It is must to have this cover for the people who are engaged in the professional services of sharing their knowledge to others in today’s legal world where everything is quite uncertain. Read More

Professional Indemnity Insurance protects many professions like accountants, lawyers, IT professionals etc. Any person who is in the profession of sharing knowledge can benefit out of this. For example graphic designer insurance will cover all the claims made by the clients who have suffered a financial loss using your services provided.There can be many reasons, for which the claims could be made like carelessness, loss of the data or documents and many more. Claims resulting out of any of these will be covered by the insurance company and all the expenses that will occur due to the legal case will also be taken care by the insurance company only.

Having a cover will also give confidence to your clients and will indirectly help in the growth of your business.While looking out for a cover make sure that you read all the terms and conditions properly and take a cover suiting your nature of work completely. An important thing to be noted about Professional Indemnity cover is that you should make sure that you are covered both at the time of service being provided as well as when any claim is made. Sometimes it happens that some claims take time to be materialized so it may happen that by that time you either get retired or close your business so you should make sure that your policy will cover you after that as well.