How Does My Driving Record Affect My Car Insurance Premiums?
By: ratetake
In order to legally drive a vehicle on the roads of the United States of America, the vehicle being operated needs to have the appropriate auto insurance applied to it. Drivers are required to insure their vehicles in order to comply with the rules and regulations established by the federal government. Persons who have auto insurance will be required to pay car insurance premiums. continue reading
By: ratetake
In order to legally drive a vehicle on the roads of the United States of America, the vehicle being operated needs to have the appropriate auto insurance applied to it. Drivers are required to insure their vehicles in order to comply with the rules and regulations established by the federal government. Persons who have auto insurance will be required to pay car insurance premiums. continue reading
Construction Insurance - Dealing With Design and Build
By: Paul Berg
Developments in procurement are reshaping the traditional contractual relationships that exist within construction. In this environment, the challenge for consultants is to develop working practices consistent with the scope and nature of the obligations (and therefore liabilities) they face - particularly when operating for contractor clients.
There is a common perception that consultants thrive best when briefed and retained by an informed end-user whose prime objective is to see a quality project delivered at a reasonable cost. continue reading
By: Paul Berg
Developments in procurement are reshaping the traditional contractual relationships that exist within construction. In this environment, the challenge for consultants is to develop working practices consistent with the scope and nature of the obligations (and therefore liabilities) they face - particularly when operating for contractor clients.
There is a common perception that consultants thrive best when briefed and retained by an informed end-user whose prime objective is to see a quality project delivered at a reasonable cost. continue reading
Keeping Yourself Protected with Gap Insurance
By: Shannon Keitzman
When you purchase a car with the help of a loan from a lending institution, that institution is likely going to require you to obtain comprehensive and collision insurance. When you get this insurance coverage, it is referred to as having “full” coverage because your car is protected even if you cause an accident, if it is stolen, or if it is damaged by natural acts. Your lending institution will require this coverage in order to help protect its investment, but what about protecting your financial situation?
The Difference Between Fair Market Value and What You Owe
Everyone has heard that a car loses value as soon as it is driven off the lot. continue reading
By: Shannon Keitzman
When you purchase a car with the help of a loan from a lending institution, that institution is likely going to require you to obtain comprehensive and collision insurance. When you get this insurance coverage, it is referred to as having “full” coverage because your car is protected even if you cause an accident, if it is stolen, or if it is damaged by natural acts. Your lending institution will require this coverage in order to help protect its investment, but what about protecting your financial situation?
The Difference Between Fair Market Value and What You Owe
Everyone has heard that a car loses value as soon as it is driven off the lot. continue reading
Indianapolis Council Members Abandon Plans To Receive Health Insurance
By: Sofia Abasolo
Sponsors of a proposal to provide City Council members in Indianapolis, USA, up to $18,000 in city-funded health insurance benefits are withdrawing the ordinance after hearing strong public outcry this week. Council members reviewed the proposed ordinance for the first time at their meeting Monday. Five residents, including three former council members, spoke against it.
On Tuesday, Councilman Kevin Rider said the five sponsors agreed to withdraw the ordinance. continue reading
By: Sofia Abasolo
Sponsors of a proposal to provide City Council members in Indianapolis, USA, up to $18,000 in city-funded health insurance benefits are withdrawing the ordinance after hearing strong public outcry this week. Council members reviewed the proposed ordinance for the first time at their meeting Monday. Five residents, including three former council members, spoke against it.
On Tuesday, Councilman Kevin Rider said the five sponsors agreed to withdraw the ordinance. continue reading
Canara HSBC Permitted To Start Life Insurance Company
By: Sofia Abasolo
Canara HSBC Oriental Bank of Commerce Life Insurance Co Ltd has received clearance from the Insurance Regulatory and Development Authority to operate a life insurance business in India.
The new company, a joint venture of Canara Bank, HSBC Insurance (Asia-Pacific) Holdings Limited and Oriental Bank of Commerce, has an initial capitalisation of Rs325 crore, HSBC has Rs127 crore, it was released in a statement. The company is a joint venture between state-run Canara Bank, Oriental Bank of Commerce and HSBC Insurance (Asia-Pacific) Holdings Ltd.
"Alongside the regulatory approval, a project team has been established in Gurgaon to build the significant operational and sales support capability that will be needed to serve the immense distribution reach of the shareholders," said MBN Rao, CMD of Canara Bank and chairman of the new insurance JV.
''With the support of Canara Bank and Oriental Bank of Commerce and HSBC's insurance expertise, we have made significant progress in getting the company ready to operate. All three shareholders are committed to ensuring that the new company is operated to world-class standards and is competitive in India's fast-growing insurance market,'' added David L Fried, chairman and chief executive of HSBC Insurance (Asia-Pacific) Holdings Limited.
''Our customers and staff are already tremendously excited about the forthcoming launch and we're taking steps to increase the staffing and support. continue reading
By: Sofia Abasolo
Canara HSBC Oriental Bank of Commerce Life Insurance Co Ltd has received clearance from the Insurance Regulatory and Development Authority to operate a life insurance business in India.
The new company, a joint venture of Canara Bank, HSBC Insurance (Asia-Pacific) Holdings Limited and Oriental Bank of Commerce, has an initial capitalisation of Rs325 crore, HSBC has Rs127 crore, it was released in a statement. The company is a joint venture between state-run Canara Bank, Oriental Bank of Commerce and HSBC Insurance (Asia-Pacific) Holdings Ltd.
"Alongside the regulatory approval, a project team has been established in Gurgaon to build the significant operational and sales support capability that will be needed to serve the immense distribution reach of the shareholders," said MBN Rao, CMD of Canara Bank and chairman of the new insurance JV.
''With the support of Canara Bank and Oriental Bank of Commerce and HSBC's insurance expertise, we have made significant progress in getting the company ready to operate. All three shareholders are committed to ensuring that the new company is operated to world-class standards and is competitive in India's fast-growing insurance market,'' added David L Fried, chairman and chief executive of HSBC Insurance (Asia-Pacific) Holdings Limited.
''Our customers and staff are already tremendously excited about the forthcoming launch and we're taking steps to increase the staffing and support. continue reading
Dispelling The White-Van-Man Cliche
By: Onome Okwuosa
For years now the ‘white-van-man’ cliché has been affecting the mentality of all road users including that of the conscientious van driver! Why that is no one seems to know but it doesn't look like it is going to dissipate any time soon.
Could it be related to the dodgy dealings that occurred at the back of said vans glamorised in the 80’s by the likes of ‘Del-boy’ style characters as seen in shows like Only Fools and Horses? Or maybe it is the door to door sales people that have all sorts stacked up in the back of their van always ready to screech off dangerously down the road without a care in the world at the first sight of ‘long arm of the law’. Either way, the precedence has been set and only the fervent efforts of current ‘white-man-van’ drivers will help alter the way current insurers and other road users view them and their capabilities as safe drivers.
The AA dispelled the chestnut that the white-van-man was a dangerous driver definitively back in 2003 with their in depth study of road users and their characteristics. continue reading
By: Onome Okwuosa
For years now the ‘white-van-man’ cliché has been affecting the mentality of all road users including that of the conscientious van driver! Why that is no one seems to know but it doesn't look like it is going to dissipate any time soon.
Could it be related to the dodgy dealings that occurred at the back of said vans glamorised in the 80’s by the likes of ‘Del-boy’ style characters as seen in shows like Only Fools and Horses? Or maybe it is the door to door sales people that have all sorts stacked up in the back of their van always ready to screech off dangerously down the road without a care in the world at the first sight of ‘long arm of the law’. Either way, the precedence has been set and only the fervent efforts of current ‘white-man-van’ drivers will help alter the way current insurers and other road users view them and their capabilities as safe drivers.
The AA dispelled the chestnut that the white-van-man was a dangerous driver definitively back in 2003 with their in depth study of road users and their characteristics. continue reading
Direct Line Offers Crazy Weather Cover
By: Onome Okwuosa
In light of the recent freak weather the UK has been experiencing, home insurance has proved to be a vital bit of cover for all individuals whether you rent, own or let your property. With thousands left desperately out of pocket as they have watched the weather elements ravish their home and its contents it has proved to be a heart wrenching experience especially for those without the essential cover that is home insurance.
Direct Line home insurance however, proved to be a blessed asset for those that had the insight to protect their home and the precious valuables within.
‘Direct Line’ has consistently been amongst the leading home insurance providers in the UK for the last few years. continue reading
By: Onome Okwuosa
In light of the recent freak weather the UK has been experiencing, home insurance has proved to be a vital bit of cover for all individuals whether you rent, own or let your property. With thousands left desperately out of pocket as they have watched the weather elements ravish their home and its contents it has proved to be a heart wrenching experience especially for those without the essential cover that is home insurance.
Direct Line home insurance however, proved to be a blessed asset for those that had the insight to protect their home and the precious valuables within.
‘Direct Line’ has consistently been amongst the leading home insurance providers in the UK for the last few years. continue reading
Car Insurance for learner Drivers - Compare and Cut Your Costs
By: Adrian Kelly
With motoring costs rising by the month, saving as much money as possible is the number one goal when it comes to car insurance for learners and newly qualified drivers.
Whether you’re just starting out or have recently passed your test, follow these simple yet highly effective steps to slashing your car insurance costs.
Recent surveys have shown that the vast majority of motorists searching for car insurance online want the cheapest rate. Other areas of insurance, like the standards of service and superior levels of cover, almost fall into insignificance according to the statistics.
Over recent years car insurance comparison sites have made the process of searching out lower premiums much easier. continue reading
By: Adrian Kelly
With motoring costs rising by the month, saving as much money as possible is the number one goal when it comes to car insurance for learners and newly qualified drivers.
Whether you’re just starting out or have recently passed your test, follow these simple yet highly effective steps to slashing your car insurance costs.
Recent surveys have shown that the vast majority of motorists searching for car insurance online want the cheapest rate. Other areas of insurance, like the standards of service and superior levels of cover, almost fall into insignificance according to the statistics.
Over recent years car insurance comparison sites have made the process of searching out lower premiums much easier. continue reading
Comprehensive Coverage: What is It and Why Do I Need It?
By: Shannon Keitzman
When you purchase insurance coverage for your vehicle, there is a certain amount of minimum coverage that you will be required to pay in order to legally drive in your state. In addition to this minimum amount of coverage, you will also have the option to add additional coverage to your policy. One of these forms of additional coverage that you can add to your policy is comprehensive coverage.
What is Covered by Comprehensive Coverage?
Comprehensive coverage provides you with compensation if your vehicle is damaged for any reason other than those covered by collision coverage, which compensates you if you are in an accident that is your fault. continue reading
By: Shannon Keitzman
When you purchase insurance coverage for your vehicle, there is a certain amount of minimum coverage that you will be required to pay in order to legally drive in your state. In addition to this minimum amount of coverage, you will also have the option to add additional coverage to your policy. One of these forms of additional coverage that you can add to your policy is comprehensive coverage.
What is Covered by Comprehensive Coverage?
Comprehensive coverage provides you with compensation if your vehicle is damaged for any reason other than those covered by collision coverage, which compensates you if you are in an accident that is your fault. continue reading
Insure Before Packing The Suitcase
By: Saurav Dutt
Packing for a holiday involves many things but one necessary item that travellers often forget to organise well in advance, is travel insurance. It is an essential item to plan for as not doing so could end the traveller up in dire straits in a foreign country if, for instance, you lose an expensive camera in Thailand or have to cancel a trip suddenly and are bombarded with cancellation fees and losing your deposits.
Naturally, shopping around for the best insurance providers is essential. Most people tend to buy cover directly from the travel agent who helped book the holiday; this is not always the wisest option. continue reading
By: Saurav Dutt
Packing for a holiday involves many things but one necessary item that travellers often forget to organise well in advance, is travel insurance. It is an essential item to plan for as not doing so could end the traveller up in dire straits in a foreign country if, for instance, you lose an expensive camera in Thailand or have to cancel a trip suddenly and are bombarded with cancellation fees and losing your deposits.
Naturally, shopping around for the best insurance providers is essential. Most people tend to buy cover directly from the travel agent who helped book the holiday; this is not always the wisest option. continue reading
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