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66 of your car insurance premium goes straight to whiplash victims

Insurance companies want the government to crack down on solicitors who are one of the driving forces behind a 2 billion industry claiming compensation for whiplash injuries following motor accidents.

Britain has become the whiplash capital of Europe, with an average 1,200 claims a day.

Whiplash accounts for 75% of the UK’s motor insurance claims – the average for the rest of Europe is 40%.

Solicitors pick up 88p for every 1 their clients receive and the insurance companies feel the government should peg their fees to keep car insurance premiums down.

Besides the insurance cost, treating whiplash also costs the NHS 8 million a year.

Whiplash is neck pain caused after stretching soft tissue in the following a forceful jerk. Whi

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Life Insurance

As we get older and have more responsibilities, it can be a scary prospect to know that one day we may not be there to fulfil them. However, it pays to be prepared and ensure your loved ones are financially secure in the event of your death. There are plenty of adults in the UK – around 28 million or so – who haven’t taken out life insurance for many, varied reasons. But one of the main reasons is that it can be incredibly confusing to know what you are looking for. Here are some of the most common types of online life insurance:

Term Insurance is probably the most popular type of insurance, but it’s only valid for a certain term that is determined by you. It’s commonly taken out by those with dependents or who have outstanding debts, like a mortgage, to pay. Full Post…

How Dentists Protect Themselves

Did you ever wonder what would happen if a dentist pulled the wrong tooth or chipped one of your teeth while working on them? This is something that doesn’t happen all the time but it is something that has happened many times before. What you need to understand is that a dentist is human just like the rest of us and they are entitled to make some mistakes as well.

The first thing that you need to understand is that as a dentist you need to protect yourself and the best way to do that is with professional liability insurance. The nice thing about getting professional liability insurance is that you will be on the hook as for as responsibility but not as far as the legal costs associated with a dental lawsuit. What most people don’t understand is that a dentist can be sued if they are not doing what they are supposed to be doing and causing physical or mental damage to their patient. Trust me, as a dentist it is hard to do everything right especially when patients are looking at all that you do wrong.

If you want to cover your dental practise then you should do that but don’t make the mistake and get some liability insurance that will not even work for you. For a lot of people they are just wanting to get some protection that they will buy whatever anybody is selling them but that is not the best way to go. What you need to do is look around and see what other insurance companies are offering so that you can get the best insurance policy around. Trust me, a little bit of work and time searching for the right liability policy is well worth it. I know you may not think so buy just wait a few months and then see how you feel about it then.

You can get the best life insurance after a little research

So you’ve finally decided to take the plunge and get your life insurance squared away, but where can you find the best life insurance policies? Unfortunately, the answer to this question is both simple and complicated, but after reading it will become a bit simpler and easier for you.

To ensure that you ultimately choose the life insurance policy the right insurance for you and your needs, you need to do a little research. It will take some patience, but believe me, it will be worth at the end. Firstly, you need to know how much coverage you need and how long a term you need. Full Post…

Senior life insurance for individual needs

Most senior life insurance policies are all about death benefits and cash values. However, there are also several policies that enable senior citizens to have a nice time. A senior whole life insurance is often considered as the best when compared with other kinds of insurance policies. There are several benefits associated with senior life insurance.

One of the chief benefits of whole life insurance is that it does not require any broad underwriting and does not involve several different varieties of forms. Instead, all it requires is a simple filling up of an application form. You will be availed the insurance policy within a few weeks. Sometimes it will reach you within a few days or even within a few hours after applying. Some elderly term life insurance policy does not even require a complete medical approval.

People often have a misconception that senior life insurance is expensive. Full Post…

Who Needs Business Liability Insurance

If you are a business owner, you need business liability insurance. Unfortunately, many business owners forgo business liability insurance because they feel that they are a small business and thus not eligible for business liability insurance. Others might feel that business liability insurance costs are too exorbitant for them and that is why they do not want to fork out extra money to purchase this type of insurance. Whichever way you look at it, business liability insurance is definitely an important part of business. You do not want to regret in the end if something happens to damage your property and you are unable to recoup your losses because you do not have business liability insurance.

Basically, business liability insurance will safeguard you if there are any damages to your property or goods. Full Post…

When should I start shopping for life insurance?

Life insurance, available from Endsleigh Insurance, is one of those types of insurance that seems to be purchased more as we age. As people go through life changes, there is more of a need for this type of insurance. For some people, knowing exactly when to take out a policy can be confusing. Certain circumstances definitely precipitate the need for taking out a life insurance policy.

Marriage is one life changing event that would be a good signal to obtain a life insurance policy. When you are married, no longer are you simply depending on yourself but someone else is as well. Having life insurance makes sure that your partner is covered in the event that you will die. Many people forget to consider the significant expense of funeral expenses. This is one reason to take out a life insurance policy; to pay for your burial. Full Post…

Extended Auto Warranty Coverage

Your car’s transmission goes out, your manufacturer’s warranty expired six months ago, and your mechanic informs you it will cost $4,000 to replace, not including labor costs. For a fraction of that cost, you could have purchased an extended auto warranty when the original warranty expired that would pay for the necessary repair. Read on for help deciding whether an auto extended warranty makes sense for you.

Also known as a used car warranty, an extended auto warranty offers similar protection to that of the manufacturer’s warranty once the original warranty has expired. Used car warranties are sold and managed by independent companies rather than manufacturers. As with a new car warranty, an extended warranty covers repairs for breakdowns, malfunctions, etc. but does apply to routine maintenance. Typically, the price of car warranty insurance is set according to the make, model, year, and mileage of the covered vehicle.

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