Finding the Breakdown Cover That is Best for You
Breakdown Car Insurance
What Determines the Price of Your Car Insurance?
Mar 23rd
What Determines the Price of Your Car Insurance?
Sometimes, because we are just too busy with our everyday tasks, stopping for a while and really understanding all the details of our car insurance policy is something that we fail to do. Usually, when we are getting insurance for our cars, the only thing we look at is the amount of the premium. Once you have realized that you can afford it, you immediately sign and then go ahead with your busy schedule.
Oftentimes, you barely even stop to think about the factors that contributed to the amount of premium that you will be paying for. You just end up writing checks regularly for the payment of the insurance policy. Don’t you want to know what aspects are being considered when determining the amount of your premium?
The reason why it is important is because you have to make sure that every cent you spend for car insurance is really worth it. Sometimes, insurance companies might offer you something you do not need and since you were not really scrutinizing the details, you still end up paying for it. So, here are the things that determine the amount that you have to pay for your insurance.
Among the factors that affect car insurance premium charges are your personal details. Your age, gender and the length of time that you have been driving are vital in coming up with a quotation. This also includes your driving history. For people who have a good record or those who has no claim bonus can bargain for a cheaper insurance premium. In cases when you change your car insurance provider, this is often reflected and credited by the new insurance company. It will allow you to get a really good discount especially if your no claim bonus has been spotless for five years.
Another factor is the safety of your car. If you have security measures installed in your vehicle such as alarm system, air bag and others, it can reduce the amount of your premium. If you have a garage for you car, your premium will also come cheaper compared to parking it closer to the street.
The best thing to do really, is to know the details of your insurance policy. That way, you can make sure that you are only paying for what you really need.
Paul has been writing articles online for nearly 4 years now. Not only does this author specialize in What Determines the Price of Your Car Insurance?, you can also check out his latest website on car breakdown cover uk which reviews and lists the best car breakdown cover uk
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Getting the Car Insurance That Fits
Mar 23rd
Getting the Car Insurance That Fits
Contrary to what a lot of people think, getting a car insurance would mean taking whatever plan is right in front of you and then you are already good to go. They think the only reason why they need this is because it is mandated by law. What they do not realize is that it is important for every driver and car owner because it will keep them safe and would definitely avoid the hassle caused by unwanted incidents.
It is important to know if the car insurance plan fits. This means that it should be best for your car and more importantly, it should be best for you. How do you know which car insurance is the perfect one?
How much coverage do you need from your insurance? In assessing how much coverage you want to get from the insurance company, you have to consider your driving habits, the environment in your location and your lifestyle. If you frequently use your car for long drive, this would require a different coverage compared to a car that is only being used for driving to and from work. Places which have extreme weather conditions too will also require specific car insurance plan because extreme summer and winter months can affect the performance of your car.
How much can you afford to pay for? Even if you would want to get all the benefits that an insurance plan can possibly offer, you still have to make do with the amount you can pay for. That is why you need to prioritize the benefits that are most important to you so that you would be able to maximize the money that you will spend for your car insurance. Do not go for a plan which you can not keep because you do not have enough money to pay for the premium. Choose the one you can afford and the one you are sure that you will be able to regularly keep up with the bills.
What discounts or incentives are you eligible for? Some company might offer discounts upfront so you will be encouraged to avail the plan from them but others will not straightforwardly inform you of your eligibility for particular discounts and incentives. It is better to keep yourself aware of the policies and regulations so you will know if you can avail the discount or not.
Can you really trust the insurance company you are eyeing? Do not be easily swayed by sweet talk and promotions. Take a good look at the company’s performance and research on what other people can say about them. Remember, you are entrusting your car and your safety in their hands so they should be really worth the trust.
Paul has been writing articles online for nearly 4 years now. Not only does this author specialize in Getting the Car Insurance That Fits, you can also check out his latest website on <a rel=”nofollow” onclick=”javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);” href=”http://cheapcarbreakdowncover.org/”>cheap car breakdown cover</a> which reviews and lists the best cheap car breakdown cover
Article from articlesbase.com
Things you Need to Look during Car Hire
Mar 22nd
Things you Need to Look during Car Hire
You may need to hire a car fir various reasons some genuine, some personal and others just for comfort. And the one thing that attracts you involves this question-whether you have managed a cheapest car hire? But, apart from the price factor there are other things equally important to be verified before hiring a car. And these in fact, will contribute in cost saving.
You need to check out the level of petrol before starting off the travel. Is the petrol tank full? How much petrol was actually there before you filled the tank? How much petrol was left when you completed your travel? These are important questions that show your concern towards cost cutting. You can then trade off with the dealer and save some extra bucks which in normal cases is not cared by the travelers.
You must have a fair idea about the Excess and even if you pay off to reduce the excess to zero still you may end up paying for some damages done to the car ( in cases when damages do happen). This is why, you must insist on being acquainted with the Excess situation before driving away the car.
You should also look into the insurance coverage of the car so that you can drive the car to some uneven terrains, off the roads and also on gravel pathways without worrying too much. After all, if you hired the car you did it purposefully to enjoy the ride and nothing can be more irritating than discovering later on that you can not drive on some paths simply because the car was not insured for that.
You must check that the car handed over to you is perfectly in fine conditions and all the mentioned accessories are working. This may look useless or boring activity to you but just imagine being charged of the damage caused to the A.C which in fact was not functioning before you hired the car. Why pay for something you were ignorant about? Well, you would be paying for your ignorance then.
Mike Simonds is writing articles on car breakdown cover and new car deals. To compare thousands of product and services visit NextGenCompare.co.uk
Article from articlesbase.com
Changing Tires of Broken Down Cars
Mar 22nd
Changing Tires of Broken Down Cars
When you own a car and you frequently drive around, it is imperative to know what to do if something unexpected occurs, like having a flat tire. One of the basic car repairs that every driver should know is how to change flat tires. Having a busted tire is something that commonly occurs and it does not really take a genius to be able to fix it. As long as you have a spare tire and you know the basics, you will be able to easily solve this problem.
Changing car tires is just simple if you have all the necessary tools and equipments you need. Although it is an easy thing to do, there are some tips and safety precautions that you must keep in mind when changing tires.
First is to move your car on the safer side of the road before attempting to change the tires. Make sure that you can move freely and that oncoming cars will not hit you. Second important thing is to not forget to turn on your hazard light and turn off your engine. You should always have a triangular reflector so that you can put an early warning device if in case your car breaks down. You may put it 20 – 30 meters away from your car as a signal for oncoming motorists that there is a stalled vehicle ahead. It is also a good idea to open up your car’s hood even if you are just changing a flat tire because it implies that you are having a car repair. After putting all the signage around your car, you also have to put a huge stone on your car’s tires before starting to change the tires so that you will avoid your car from rolling. You can now proceed to removing the spare tire. Before putting the jack on, you must loosen all the knots first. Then, put the car jack. Make sure that your jack is properly placed so that your car will not fall down. After which, take off the flat tire and put in the spare tire. To make sure that you have placed the spare tire correctly, look at the air valve and see if it is facing outward. Then tighten the knots and lower the car jack slowly.
With a little knowledge and a little sweat, you will be ready to roll again.
Paul has been writing articles online for nearly 4 years now. Not only does this author specialize in Changing Tires of Broken Down Cars, you can also check out his latest website on compare car breakdown cover which reviews and lists the best compare car breakdown cover
Article from articlesbase.com
Car Breakdown Tips and Precautions
Mar 22nd
Car Breakdown Tips and Precautions
If you are a driver and a car owner you must be aware of the basic tips and precautions. For other drivers, they usually panic when their car stops working and this hinders them from being able to decide and think properly. The first and foremost thing you have to keep in mind is to stay calm so you can strategize on what you should do next.
There are a few safety precautions and tips which will be helpful for you in case you encounter a car breakdown. Basic precautions that drivers like you should do whenever you experience sudden breakdown are the following:
First is to put your car on the safest spot or location as possible. Do not go down the vehicle and do some inspections and repairs most especially if you are right in the middle of a busy highway. If in case there is another car involved on the incident, communicate and do a signal that will inform him or her that you must both place proper warning devices so that other oncoming vehicles will be aware that you two are stuck in the middle of the road. Put out your reflective triangles and keep your hazard lights on. If you are really stuck and there is no way to have your car fixed right away, the next best thing is to do a phone call. This may either be to your car breakdown insurance company or to family and friends. It is best to do the phone call inside your car because it is more risky and prone to accident if you stay outside your car when calling. You also have to make sure that you have the safety roadside emergency kit.
Apart from those, here are some more useful tips for drivers and car owners like you. Have a copy of the emergency phone numbers to call not only in your mobile phone but also within your car. Maybe you could jot the numbers down in a small card and keep in where it will not easily get lost. Also, be attentive when you are driving and if you feel that there is something wrong with your car, stop on a safe place and do a quick check. If in case your car already broke down, do not attempt to fix your car along the busy road side, this might not only cause damage your car but it can also possibly harm you.
Paul has been writing articles online for nearly 4 years now. Not only does this author specialize in Car Breakdown Tips and Precautions, you can also check out his latest website on cheapest car breakdown cover which reviews and lists the best cheapest car breakdown cover
Article from articlesbase.com
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Road Safety Guides – Personal Safety On The Road
Mar 22nd
Road Safety Guides – Personal Safety On The Road
If you are concerned about your personal safety while out and about on the roads here is a comprehensive, no-nonsense guide from GEM Motoring Assist, the leading UK driver based road safety association.
Think ahead
- where possible travel by day on main, well used roads. Plan your route in advance and check that you have an up-to-date road map in the car so you won’t need to ask for directions
- if you have to travel after dark, tell someone your destination, your route and what time you expect to arrive. If your plans change, let them know
- take your mobile phone – and make sure that the batteries are charged before you set off. Carry change in any case – your phone may be out of range at a crucial time
- ensure your car is serviced regularly. Check petrol, oil, coolant-level and tyres, especially before a long journey. Carry petrol in a safety-approved can
- join a national breakdown organization such as GEM Motoring Assist Breakdown Cover
While driving
- harassment or actual attacks are rare, but they do happen. Forethought can give you more confidence and minimise the risk
- keep the doors locked and the windows closed as much as possible, especially in built up areas and stop-go traffic or when travelling alone
- keep alert so you know where you are
- remember, tiredness kills. Take a break on long journeys
- never pick up hitch hikers
Personal possessions in your car
- keep your doors locked
- NEVER leave valuables, such as handbags or mobile phones on the passenger seat – they
could be ‘snatched’ at traffic lights
- don’t leave valuables in a parked car
Parking
- NEVER leave your car unlocked, even on a garage forecourt when you go to pay for petrol. If possible use an immobiliser
- choose a safe place to park. Park in a well lit area where there are people about, especially if you don’t intend to return to your car until after dark
- if you park in a multi-storey car park choose a space close to the exit and ramp and away from pillars. Reverse into position to give you a quick get away. Park close to the attendant if there is one
- make sure you know exactly where you parked so you will not have difficulty finding your car
- if you are a woman by yourself, try not to advertise the fact. Put spare shoes, bags etc. into the boot before leaving the car
- consider what you would do if your bag was stolen – keep your keys, money and mobile phone separately
- ask a friend or colleague to walk you to your car if you feel unsafe about your surroundings
- when you return to your car, have your keys ready and check the back seat (use a torch at night) before you get in. Lock the doors and drive away without delay
Handling Dangerous Situations
- if you can see or become involved in an incident avoid getting involved in an argument with the other parties
- if you are confronted with ‘road rage’ do not get out of the car; keep your windows up and your car locked
- if your car starts to ‘play up’, stop in a busy, well-lit area, preferably near a phone box, if you don’t have a mobile phone. Get help immediately by calling your motoring organisation or garage. If you feel vulnerable and in need of special attention, inform the recovery helpline operator
- NEVER give lifts to strangers. If you see an accident or another driver in difficulty do not stop. Telephone the Police as soon as possible and report what you have seen
- if a car pulls up alongside or behind you and the occupants try to attract your attention it may be a genuine warning. However, keep your doors locked and drive to a busy place such as a service area or garage forecourt before stopping. Even then keep your doors locked until you are confident there is no danger
- if someone in a car is deliberately trying to intimidate you, or if you think a car is following you, keep driving until you reach a busy, public place, such as a Police, Fire or Ambulance station, pub or garage forecourt
- if a car travels alongside you at the same speed, slow down and allow them to pass. If the driver persists, drive to a busy, public place and use a public or mobile phone to call the Police
- if a car pulls in front of you and forces you to stop, leave the engine running. If the driver, or passenger then gets out and approaches you, turn on your hazard lights, reverse as far as you can and sound your horn continuously, no matter what time it is
- if the occupant of a car beside you at traffic lights or a junction tries to attract your attention simply ignore them. Don’t make eye contact.
Established in 1932, GEM Motoring Assist is the leading UK driver based road safety association. <a rel=”nofollow” onclick=”javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);” href=”http://www.motoringassist.com”>GEM Motoring Assist</a> provide a wide range of driver services including low cost <a rel=”nofollow” onclick=”javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);” href=”http://www.motoringassist.com”>car breakdown cover.</a>
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Road Safety Guides – What To Do If You Break Down
Mar 21st
Road Safety Guides – What To Do If You Break Down
If your vehicle breaks down, think about safety, first: Here’s a straightforward safety guide from GEM Motoring Assist, the leading UK driver based road safety association.
Consider your own safety
- get your vehicle off the road if possible
- ensure your passengers are safe and that animals are kept under control.
Warn other road users
- warn other traffic by using your hazard warning lights if your vehicle is causing an obstruction
- put a warning triangle on the road at least 45 metres (147 feet) behind your broken down vehicle on the same side of the road, or use other permitted warning devices if you have them. Always take great care when placing them, but never use them on motorways as this may put you in danger from oncoming traffic
- keep your sidelights on if it is dark or visibility is poor
- do not stand (or let anybody else stand) between your vehicle and oncoming traffic
- at night or in poor visibility do not stand where you will prevent other road users seeing your lights
- wear a reflective/fluorescent jacket or tabard.
Calling for help
- do not use mobile phones if there is a danger from petrol spillage or fumes
- contact the emergency services by dialing 999 or 112 (new international emergency code), or if you are a member call GEM Motoring Assist Breakdown Cover or other breakdown organisation
- give clear instructions of your general location: road number, direction of travel and specific local landmarks will aid your rescue
- also tell them your vehicle type and colour, registration number and how many persons are in the vehicle
- an indication of the cause of the breakdown will also help
- when help arrives, ask for proof of identity.
On Motorways – safety first
Leave the motorway at the nearest exit or pull into a service area. When this is not possible:
- use your indicators or hazard warning lights and pull on to the hard shoulder. Stop as far to the left as possible, with your wheels turned to the left
- try to stop near an emergency telephone (every mile on the hard shoulder) with the front passenger door as close to the phone as possible
- you must leave the vehicle by the left-hand passenger doors
- wear a reflective/fluorescent jacket or tabard
- do not cross the carriageway to reach a closer phone it is safer to wait on the verge. (Remember, 10% of motorway accidents are collisions with vehicles parked on the hard shoulder.)
- do not leave the keys in the car. If possible, lock all the doors except the front passenger door, which you should leave fully open so you can get back in quickly if needs be
- keep passengers away from the carriageway and children under control. Make sure children are safe – do not leave them in the car by themselves
- if you are an elderly or disabled person, or have small children with you, you may decide it is more sensible to stay in the vehicle. If so, park it as close to the verge as possible
- you must leave animals in the vehicle, with windows only far enough down to let in air. Only let them out of the vehicle in an emergency, but keep them under proper control on the verge
- do not attempt even simple repairs and do not leave the car bonnet open.
On Motorways – getting help
- walk to the nearest emergency telephone, following the arrows on the marker posts every 100 metres at the back of the hard shoulder. Calls are free and connect directly to the Police – they will know where you are. Stand behind the phone and watch out for passing traffic, or anyone approaching you
- give full details, also inform them if you feel vulnerable. Tell them the number of your breakdown organisation, your car registration and the number shown on the nearest marker post
- return and wait near your vehicle, preferably behind the barrier on the motorway embankment
- when help arrives, ask for ID and check that the breakdown person knows your name
- NEVER get into a car with a stranger or try to hitch a lift
- if someone offers help, stay inside your car with the doors locked (keep windows partially open) and ask them to phone your breakdown organisation for you
- if a car stops while you are waiting for help and you feel uneasy, stay in the passenger seat of your car and lock the door. Phone the Police and give them the car’s registration number
- when rejoining the motorway, always increase speed on the hard shoulder and watch for a safe gap in the traffic.
Established in 1932, GEM Motoring Assist is the leading UK driver based road safety association. <a rel=”nofollow” onclick=”javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);” href=”http://www.motoringassist.com”>GEM Motoring Assist</a> provide a wide range of driver services including low cost <a rel=”nofollow” onclick=”javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);” href=”http://www.motoringassist.com”>car breakdown cover.</a>
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A Guide to Getting the Most from your Bank Account
Mar 21st
A Guide to Getting the Most from your Bank Account
Article by Adam Singleton
With the invention of the Automated Teller Machine (ATM) over 40 years ago, it has become increasingly easy for people to access their hard earned cash when banks are closed. Indeed, the days of storing our money under the mattress are long gone and with cash machines on nearly every street, in garages and in shops, getting access to our funds is easier than ever. Plus, with the advent of the ‘chip and pin’ era, it’s possible to buy just about anything without ever seeing any paper or coins. Furthermore, pretty much all employers will only ever pay salaries directly into a personal bank account via Bankers’ Automated Clearing Service (BACS), so there’s no getting away from the need to have a bank account. All we need these days is a bank card and we’re good to go. The internet too has enabled people to manage their money better than ever before, with the need to wait in bank queues on our lunch hour now a thing of the past. We can transfer funds, pay bills, view statements, set up direct debits…all from the comfort of our own home. Such is the proliferation of internet throughout society, that recent research showed that around sixty percent of consumers expected to apply for a new bank account on the Web, rather than the more traditional means of visiting a local branch. The role of the internet doesn’t stop there though. Well before we even get to the stage of setting up a new bank account, the Web offers a fantastically rich resource for those wanting to get the most from their bank account. Just a little research will reveal the sheer wealth of different accounts out there. From simple, free bank accounts that offer a basic deposit/withdrawal facility, cash card and online access, through to premier accounts that offer car breakdown cover, travel insurance, mobile phone insurance, interest free overdrafts and a whole host of other inclusive services, there certainly is a lot of choice.Of course, such accounts come with a monthly fee attached and they may not be for everyone. It really is a case of working out which of the services will be of benefit and which won’t. However, any initial reservation about having to pay for a bank account may soon vanish once you work out how much could be saved over the course of a year.The need to compare bank accounts before making a final decision shouldn’t be underestimated, as each current account is unique. What works for one person, may not work for someone else and as with anything in life, it certainly pays to shop around.
About the Author
Adam Singleton writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.
Choosing a New Current Bank Account
Mar 21st
Choosing a New Current Bank Account
A current account is an instant access bank account that is used for everyday deposits and outgoings. Most people will use a current account to receive their monthly salary, pay bills via cheque, direct debit or standing order, pay for items via a debit card and draw cash from an ATM. Some current accounts will also allow an overdraft facility and offer interest on a credit balance.
Current accounts are the most common type of bank account, and almost all banks and building societies offer them in some form. As competition for new customers is strong, many financial institutions will offer introductory incentives which range from discounted home insurance to free night club entry – so it’s a good idea to shop around for a good deal.
There are several types of current accounts to choose from, depending on lifestyle and individual circumstances:
Student Current Account: many banks offer current accounts that are tailored to the needs of students. They tend to offer low-interest overdrafts and incentives such as music vouchers, travel insurance and free DVDs and CDs.
Joint Current Account: these are perfect for couples who cohabitate and have a need for an account to pay for communal outgoings, such as bills and groceries.
Interest Bearing Current Account: some current accounts offer a higher rate of interest than others, so shop around if you want to find the best rate. Those that don’t offer overdrafts tend to have higher interest rates; however, keep in mind that if you want to earn maximum interest, a savings account will typically offer the best rates.
Internet Only Current Account: if you’re happy to bank exclusively online, than an internet only current account may offer a better rate of interest, as well as added convenience – especially if you lead a busy lifestyle. Banking online means you can check your statements, balance and other banking details from the comfort of your home, 24 hours a day.
Premier current account: if you’re in a high wage bracket, a premier current account may be right for you. They tend to charge a monthly fee, but for this you’ll receive a higher level of service and advice than from a regular account. They may also include annual travel insurance, car breakdown cover and discounts on package holidays. However, premier accounts don’t always offer the best value, as some of the freebies may not be of use to you – so it’s always worth thinking carefully as to whether you really need what they’re offering. Premier current accounts are also known as packaged accounts.
So, when looking for a new current account, make sure you choose the one that’s right for you. Take your time; ask lots of questions and shop around – this way, you’ll find the one that best matches your needs.
Andrew Regan is an online, freelance journalist.
Article from articlesbase.com
Premier League Banking; current accounts for the big boys
Mar 21st
Premier League Banking; current accounts for the big boys
Article by Paul McIndoe
A premier account is a fee paying bank account that comes with lots of additional benefits and is generally only offered to a bank’s wealthier customers. Typically these accounts have names like Gold, Premier or Platinum service accounts.Almost all banks offer some form of premier banking service to their top tier of customers. They provide a level of service and advice that is superior to that of regular free accounts. A premier banking package offers all the things you would expect to find in a basic account but with the added benefits of financial planning expertise, practical help, first class telephone service and up to the minute wealthy management solutions. With some premier accounts you will also be assigned a personal banking manager who is always contactable by phone or email for financial advice. They can save you time and hassle in dealing with any financial concerns you may have.A premier banking account also comes with many benefits not found in a regular current account. These may include features, such as an automatic interest free overdraft facility, the ability to draw money on cheques without having to wait for them to clear, telephone banking that is open 24 hours a day 7 days a week and an enhanced online banking system. Most premier bank account services also come with a host of ‘freebies’ such as free insurance, car breakdown cover and building and contents insurance. Ultimately, premier accounts are certainly not for everyone, as the monthly fees charged may not necessary outweigh the benefits gained from the account. Certainly for younger account holders who are unlikely to have much need for home insurance, a premier banking service would offer little – if any – benefit. It also must be noted that not all premier banking services are available to all customers. Some have a minimum salary threshold which you must be earning, below which you would not be eligible to join. However, for higher earning customers the advantages of having access to a financial advisor at all times of the day or night could certainly be beneficial. And with the other bonuses of cheaper or free travel insurance, home insurance and car insurance, it’s certainly worth shopping around and seeing whether a premier account could save you time and money.
About the Author
Paul McIndoe is a recent university graduate whose hobbies include water-skiing and rock climbing.
Switching bank account providers: What are the benefits
Mar 20th
Switching bank account providers: What are the benefits
If you are currently in the process of switching bank accounts, you will no doubt agree the internet is a resource that has made this process easier over the years. The web has given consumers the opportunity to seek out products of all kinds that are tailored to their individual needs – and this is absolutely applicable to banking facilities.
But whether you’re switching bank account to take advantage of online facilities or more traditional services, there comes a time when everyone might need a little bit more from their provider than they’ve been used to. If, for example, you decide to arrange an overdraft, this might be an option that’s not available through your current bank – which could make switching your old account for an upgrade a somewhat obvious move. In addition, changing to an account that does offer an arranged overdraft will allow you to manage the transfers of your direct debits without the worry of the charges for going into the red.
Of course, there are a number of other facilities your provider might not currently offer you, so comparing bank accounts online should reveal many features like 24-hour internet banking, access to your account over the telephone, worldwide travel insurance, airport lounge access, car breakdown cover or mobile phone insurance that are attractive. For this level of service, you might find some banks charge a monthly fee, but it really comes down to how essential you believe these extras are.
As the internet is now something that is both familiar and accessible to many, it could be argued that switching bank accounts is now a decision more people are comfortable with. In fact, a study published by Which? In January 2010 pointed out that 68 per cent of people in the UK said they would be happy to make the change if they felt the service they were receiving was inadequate. Therefore, if you currently have a standard account and are looking to take advantage of the many of the options listed above, it may prove much simpler than you think.
In December 2008, the European Banking Industry Committee announced the implementation of a new set of regulations entitled Common Principles for Bank Account Switching. These were designed to make things simpler for consumers by eliminating the extra costs and paperwork deemed to be unnecessary or prohibitive in allowing them to change providers. The rules mean that if you wish to make the change, your new bank will act as a primary contact point and offer assistance throughout the process, dealing with the old service provider in getting information, direct debits, standing orders and other data transferred as smoothly and rapidly as possible. There are, of course, still some documents you’ll have to sign. But this has been reduced drastically since the principles came into effect – making shopping for a newer, better account a more attractive prospect than ever before.
Noel Mellor is a writer, editor and podcaster from Manchester, England. Having produced and revised copy for a number of major financial institutions, he is highly experienced across a range of economic matters including personal banking and business banking topics.
Article from articlesbase.com
Thinking of Renewing your Home Insurance?
Mar 20th
Thinking of Renewing your Home Insurance?
Article by Kate Faulkner
Let’s face it, we all hate renewing our home insurance and when the renewal notice lands on the doormat, it’s just not a very exciting thing to have to do! So how many people actually take the time to search for the best deal, and look at all the small print that relates to the dos and dont’s of insuring one of the most valuable assets you own and all your prized possessions? It’s all too easy to forget about the renewal notice and before you know it, the insurance company has debited your bank account or credit card for the next year.
It is certainly worth spending a bit of time on a rainy Sunday evening, surfing the internet and getting some online, no obligation quotes and talk to your friends and family and find out who they use for insurance. What’s the worst that could happen – you find out that the insurance company you are already with wants to keep your custom and is actually going to charge you a fair sum for your insurance. However, you could just find the insurance deal of the year!
To help you search for the best contents and buildings insurance, here are some things insurance companies need to know that may affect your insurance policies and the validity of cover:-
1. Any change in occupancy of the property, ie. becomes unoccupied, let to a third party, used for paying guests etc.2. Any deterioration in the condition of the property, such as evidence of subsidence or landslip.3. If anyone living in the property is/has been convicted of or charged with a criminal offence (except for driving offences).4. If anyone living in the property is/has been made bankrupt.5. Any significant increase in the sums insured, perhaps you’ve bought a ‘work of art’ or some expensive antique furniture! 6. Any change in the security arrangements for the property, ie. the burglar alarm no longer works or the police withdraw support for intruder alarms.7. If you’re planning any major structural changes to your property, ie, loft/basement conversion, extension or conservatory.In the current economic climate, it’s certainly worth carrying out some research to keep your costs down. Many insurance companies apply discounts for:-
1. Online applications as opposed to over the phone.2. Multiple types of policies, ie. buildings, contents and car.3. New customers or offer ‘extras’ free of charge, such as RAC or AA cover for a year.
We’ve recently had a number of insurance renewals through including cover for two dogs (one very elderly), two cars and a set of contact lenses, and it would have been very easy to automatically renew with the same companies, but I’m so glad we didn’t! We’ve managed to insure two cars for the price of one (and received a cheap quote for car breakdown cover) and saved £150 on dog insurance – we’re yet to research contact lense policies!
If you are thinking about moving or letting your home, there are a number of specialist insurances, eg for thatched; underpinned; buy to let; Listed or unoccupied properties. These types of properties do require more specific policies, so take a look at our specialist property insurance, insurance for historic properties and letting insurance sections.
Above all, read the small print on your insurance policy to make sure you are fully covered, disclose any changes to your property and finally, don’t forget to add in the items that are kept outside – bicycles, greenhouse, marble statue in the garden, contents of your shed or garage, dog kennel, oil in your tank etc!
About the Author
Kate is one of the top property experts in the UK and is often quoted in the press including the Telegraph, Independent, Times, Daily Mail and Express as well as featured on BBC1, Channel 4, Radio 4 and local BBC Radio stations. She is author of six books, including four for Which? including Buy, Sell, Move House, Renting and Letting, Develop your Property and the Property Investment Handbook. http://www.designsonproperty.co.uk/
Thinking of Renewing your Home Insurance?
Mar 20th
Thinking of Renewing your Home Insurance?
Article by Kate Faulkner
Let’s face it, we all hate renewing our home insurance and when the renewal notice lands on the doormat, it’s just not a very exciting thing to have to do! So how many people actually take the time to search for the best deal, and look at all the small print that relates to the dos and dont’s of insuring one of the most valuable assets you own and all your prized possessions? It’s all too easy to forget about the renewal notice and before you know it, the insurance company has debited your bank account or credit card for the next year.
It is certainly worth spending a bit of time on a rainy Sunday evening, surfing the internet and getting some online, no obligation quotes and talk to your friends and family and find out who they use for insurance. What’s the worst that could happen – you find out that the insurance company you are already with wants to keep your custom and is actually going to charge you a fair sum for your insurance. However, you could just find the insurance deal of the year!
To help you search for the best contents and buildings insurance, here are some things insurance companies need to know that may affect your insurance policies and the validity of cover:-
1. Any change in occupancy of the property, ie. becomes unoccupied, let to a third party, used for paying guests etc.2. Any deterioration in the condition of the property, such as evidence of subsidence or landslip.3. If anyone living in the property is/has been convicted of or charged with a criminal offence (except for driving offences).4. If anyone living in the property is/has been made bankrupt.5. Any significant increase in the sums insured, perhaps you’ve bought a ‘work of art’ or some expensive antique furniture! 6. Any change in the security arrangements for the property, ie. the burglar alarm no longer works or the police withdraw support for intruder alarms.7. If you’re planning any major structural changes to your property, ie, loft/basement conversion, extension or conservatory.In the current economic climate, it’s certainly worth carrying out some research to keep your costs down. Many insurance companies apply discounts for:-
1. Online applications as opposed to over the phone.2. Multiple types of policies, ie. buildings, contents and car.3. New customers or offer ‘extras’ free of charge, such as RAC or AA cover for a year.
We’ve recently had a number of insurance renewals through including cover for two dogs (one very elderly), two cars and a set of contact lenses, and it would have been very easy to automatically renew with the same companies, but I’m so glad we didn’t! We’ve managed to insure two cars for the price of one (and received a cheap quote for car breakdown cover) and saved £150 on dog insurance – we’re yet to research contact lense policies!
If you are thinking about moving or letting your home, there are a number of specialist insurances, eg for thatched; underpinned; buy to let; Listed or unoccupied properties. These types of properties do require more specific policies, so take a look at our specialist property insurance, insurance for historic properties and letting insurance sections.
Above all, read the small print on your insurance policy to make sure you are fully covered, disclose any changes to your property and finally, don’t forget to add in the items that are kept outside – bicycles, greenhouse, marble statue in the garden, contents of your shed or garage, dog kennel, oil in your tank etc!
About the Author
Kate is one of the top property experts in the UK and is often quoted in the press including the Telegraph, Independent, Times, Daily Mail and Express as well as featured on BBC1, Channel 4, Radio 4 and local BBC Radio stations. She is author of six books, including four for Which? including Buy, Sell, Move House, Renting and Letting, Develop your Property and the Property Investment Handbook. http://www.designsonproperty.co.uk/
Current accounts: make the most of your banking experience
Mar 20th
Current accounts: make the most of your banking experience
Article by Andrew Regan
Current accounts provide more than just a place to keep and manage your money; they can offer a range of other benefits, including travel insurance, mobile phone insurance and car breakdown cover – enabling you to make the most of your banking experience. But with all the current account choices available, how do you pick the one that’s right for you?
When looking for a current bank account, it’s always best to do a little research first. The internet is an ideal resource by which to do this, offering comparison charts and in-depth explanations of different account types and the various benefits that each of them offers. However, while conducting your research, it’s always important to keep in mind what you hope to achieve with your current account. Are you simply looking for a place to keep your money, or are you interested in a more enhanced means of money management and support? Are you a student or a graduate who’s looking to save, or are you under 18 and looking to open your first bank account? Each variable makes a difference when it comes to finding the right bank account – so it’s important to have a clear objective in mind first.
Once you’ve gained a basic understanding of the current accounts available to you via online research, it’s a good idea to meet with an account specialist; you’ll be able to find a range of banks near you that offer comprehensive account consultations. The specialist can answer any outstanding questions you may have about opening an account, in addition to actually opening your account for you. Moreover, an account specialist can advise you on the upkeep of your account, regarding anything from getting help with queries down the line to upgrading your account in accordance with evolving financial objectives.
So whether you’re looking to open a current account simply to keep your money safe, or are interested in complimenting your money management with a range of benefits – like travel insurance, car breakdown cover or domestic emergency insurance – the solution is never far away.
Make the most of your banking experience, no matter what your financial objectives: open the current account that’s right for you!
About the Author
Andrew Regan is a freelance online journalist who travels extensively.
When are packaged current accounts a good idea?
Mar 20th
When are packaged current accounts a good idea?
Article by Julia Cook
The start of this article is going to have to be a quick explanation but before we get to that let’s have an explanation of the explanation.
Packaged current accounts have always existed but they’ve been under the radar, generally unpopular and certainly unpublicised, for years. So even though they’ve never really gone away it’s necessary to clarify what they are.
This is itself should show that packaged current accounts have the potential to confuse – and therefore be poor value – for many consumers in the UK and elsewhere.
So what is a packaged current account?
It’s an account that comes with bells and whistles – usually in the form of insurance of various kinds, car breakdown cover, VIP access or discounts on various other products.
Packaged current accounts are often called reward or ultimate current accounts and are offered by some of the biggest banks in the world including Halifax, Santander, RBS and Natwest.
UK building societies tend not to carry them as a rule which might give some indication of the fact that they’re viewed with suspicion by many consumers and even some prominent consumer groups.
When you compare current accounts you’ll be able to spot these by the fact that to pay for the bells and whistles there is often a monthly or yearly fee charged.
This fee is usually of around £5 to £15, depending on the rewards on offer.
As with balance transfer credit cards, though, packaged current accounts can often end up being more than they’re worth both in terms of cost and in terms of effort and stress.
So, to answer the title question, when are packaged current accounts a good idea?
The answer is, simply, when you can save money elsewhere on products that are included in the current account and when those products are actually useful to you.
For example, some current accounts come with a payment protection insurance policy.
Payment protection insurance or PPI is generally regarded as pretty useless when sold with many financial products and consumers are often advised to check the terms of these policies carefully before signing up.
With packaged current accounts you may not have a choice but to sign up for the insurance, even though you don’t really need it and wouldn’t buy it in the first place given the chance.
As another example, there might be a benefit to a current account that you can get elsewhere with a product you don’t want to get rid of.
For example, many use abroad credit cards come with travel accident insurance and many of these current accounts do too.
However, you might not want to ditch your use abroad credit card which could be useful elsewhere – not least, one might hope, abroad – so you’d end up with two policies which is pointless and unnecessary.
This is also the case with breakdown cover which is often included in car insurance anyway. So, in the same way, might be duplicated between products.
About the Author
Julia Cook is a staff writer for a website that covers personal finance issues in the UK. The site has tables to help users to compare current accounts and compare personal loans amongst other products.
Thinking of Renewing your Home Insurance?
Mar 20th
Thinking of Renewing your Home Insurance?
Let’s face it, we all hate renewing our home insurance and when the renewal notice lands on the doormat, it’s just not a very exciting thing to have to do! So how many people actually take the time to search for the best deal, and look at all the small print that relates to the dos and dont’s of insuring one of the most valuable assets you own and all your prized possessions? It’s all too easy to forget about the renewal notice and before you know it, the insurance company has debited your bank account or credit card for the next year.
It is certainly worth spending a bit of time on a rainy Sunday evening, surfing the internet and getting some online, no obligation quotes and talk to your friends and family and find out who they use for insurance. What’s the worst that could happen – you find out that the insurance company you are already with wants to keep your custom and is actually going to charge you a fair sum for your insurance. However, you could just find the insurance deal of the year!
To help you search for the best contents and buildings insurance, here are some things insurance companies need to know that may affect your insurance policies and the validity of cover:-
1. Any change in occupancy of the property, ie. becomes unoccupied, let to a third party, used for paying guests etc.
2. Any deterioration in the condition of the property, such as evidence of subsidence or landslip.
3. If anyone living in the property is/has been convicted of or charged with a criminal offence (except for driving offences).
4. If anyone living in the property is/has been made bankrupt.
5. Any significant increase in the sums insured, perhaps you’ve bought a ‘work of art’ or some expensive antique furniture!
6. Any change in the security arrangements for the property, ie. the burglar alarm no longer works or the police withdraw support for intruder alarms.
7. If you’re planning any major structural changes to your property, ie, loft/basement conversion, extension or conservatory.
In the current economic climate, it’s certainly worth carrying out some research to keep your costs down. Many insurance companies apply discounts for:-
1. Online applications as opposed to over the phone.
2. Multiple types of policies, ie. buildings, contents and car.
3. New customers or offer ‘extras’ free of charge, such as RAC or AA cover for a year.
We’ve recently had a number of insurance renewals through including cover for two dogs (one very elderly), two cars and a set of contact lenses, and it would have been very easy to automatically renew with the same companies, but I’m so glad we didn’t! We’ve managed to insure two cars for the price of one (and received a cheap quote for car breakdown cover) and a £150 saving on dog insurance – we’re yet to research contact lense policy!
If you are thinking about moving or letting your home, there are a number of specialist insurances, eg for thatched; underpinned; buy to let; Listed or unoccupied properties. These types of properties do require more specific policies, so take a look at our specialist property insurance, insurance for historic properties and letting insurance sections.
Above all, read the small print on your insurance policy to make sure you are fully covered, disclose any changes to your property and finally, don’t forget to add in the items that are kept outside - bicycles, greenhouse, marble statue in the garden, contents of your shed or garage, dog kennel, oil in your tank etc!
Kate is one of the top property experts in the UK and regularly quoted in the press including the Telegraph, Independent, Times, Daily Mail and Express, and has appeared on BBC2, as well as featured on BBC Radio 4 and a number of local BBC Radio stations.
Kate has also been a consultant to the property sector for a number of years and is the author of a number of books, including four for Which? – Buy, Sell, Move House, Renting and Letting, Develop your Property and the Property Investment Handbook.
Contact Kate Faulkner at http://www.designsonproperty.co.uk/
Article from articlesbase.com
Winter Driving Tips
Mar 19th
Winter Driving Tips
Article by Chris Tyreel
Like it or not the cold weather is now officially here for the next four months or so. As well as that not being a particularly nice thought, it also means that your car will under greater stress and that means there is a greater chance of car breakdown issues.
Winter is a hazardous season for all drivers with bad visibility, ice and the weather making things that much harder for you as a driver. It also means things get decidedly more testing for your car too as plunging temperatures can put strain on even the most reliable car, upping the possibility of a car breakdown.
The fact is that no matter how well you look after your car you simply cannot wrap all the parts in cotton wool. And you can therefore not guarantee that some tiny component will not cause you to breakdown.
Research suggests that more than one in ten people don’t have car breakdown cover despite that fact that cover can cost as little as £30 though RescueMyCar.com
There are other things you can do to keep your car in shape this winter and we will cover these at length over the coming weeks, but to start things off some of the more important ones to help avoid car breakdown issues are:
* Check your tyre pressure and tread depths regularly in the winter months. It is also a good idea to check your tyres for cuts, splits or nails which can cause deflation, and be sure to check your spare tyre too.
* Check and top up your water coolant and antifreeze levels before every trip; always do this when the engine is cold. Simple pre planning can made a world of difference to your winter driving experience.
* Ensure your battery is efficient as demand on a battery is very high during the winter months.
* Your lights are especially important during the reduced visibility of winter months. Be sure to check all your lights regularly and replace any faulty lights immediately. It is also important to clean your lights regularly as winter conditions can cover them in grime and dirt which will reduce their effectiveness on the road.
* Ensure your windscreen is free from serious chips. Wipers should not leave smears; if they do they may need replacing. Ensure windscreen wash fluid levels are topped up regularly, this is especially important in the winter months when visibility is reduced.
* Check your engine oil regularly, especially before long trips.
* It is crucial to have a good level of Breakdown Cover all year round but this is especially important in the winter months as you do not want to be stranded at the roadside in cold/wet conditions. It is a good idea to keep a blanket in your car in case such situations occur.
* If the weather is especially hazardous consider delaying your journey until it improves. Severe winter conditions can be too much for even the most experienced of drivers.
About the Author
RescueMyCar.com provides Cheap Breakdown Cover for cars, vans and bikes. Get a quote today!
How new speeding laws may affect your car Insurance
Mar 19th
How new speeding laws may affect your car Insurance
Article by Rochelle Martinez
Irish motorists who drive overseas should make sure they take note of speed limits or they could face increasing car insurance premiums.
Regulations have been introduced that see laws tightened for speeding drivers in Ireland, Northern Ireland and the UK. The changes mean that if motor owners from the Republic are caught speeding and banned in the UK or Northern Ireland, the ban will also apply once they have returned to their home country. This rule also applies to drivers from the latter regions who break speed laws in Ireland.
Once a motorist has penalty points on their licence, their motor insurance premiums can significantly increase, while getting covered by a policy after being banned from driving is also likely to prove expensive. Insurance firms alter their premium rates depending on the likelihood of its customers being involved in a car accident. As those who speed tend to be linked with the increased chance of having a motor accident, their policy costs go up.
To prevent your policy costs rising, or being banned from driving altogether, it is advised that you make sure you are aware of the speed limits on the roads you intend to travel on during your trip to the UK. If you want to research this before you head overseas, online resources are available, which offer information on this subject. Planning the routes you take will help you to identify the main carriageways and smaller roads, so you can establish the speed limits and get a good estimate on your journey time.
Alternatively, you may prefer to invest in and rely on a Sat Nav to get to your destination. In addition to giving you details on the best route to take, the devices also provide information on the location of speed cameras, so you know where the most accident-prone roads are, as the devices are often placed in locations that see collisions occurring as a result of speeding. As well as getting your route planned, you should check that all your paperwork is up-to-date before setting off on your trip.
As Ireland and the UK are part of the European Union, you can use your current licence while motoring in the latter, as long as it is valid. You may also like to check that your car insurance covers you – and any other drivers accompanying you – for travel outside of Ireland, likewise with your car breakdown cover.
About the Author
Rochelle Martinez, Freelance Web Content Article Writer for three years. Some of her articles are about http://www.quinn-direct.com.
Find More Car Breakdown Cover Articles
Breakdown Cover: Indeed, a Help in Need
Mar 19th
Breakdown Cover: Indeed, a Help in Need
Any help that comes at the time of need certainly serves the purpose well. On the contrary, anything that is not offered at the time of need proves to be valueless. Thus, during breakdown, if you get a mechanic then and there and he repairs your vehicle instantly, the service proves to be invaluable. This same help, if comes late, when you run out of your required time, will be of no value.
Sometimes it is not possible to ensure that you get a helping hand instantly when any mishap befalls on you. But with breakdown, it is possible to do so and for this, all you need to do is to take breakdown cover insurance. It is almost like any other auto insurance; the only difference is that it gives you on the spot coverage. Unlike any other insurance policy, it does not require any claim to make and paperwork to get help.
In breakdown cover, you make a call to the insurer informing him that the engine of your vehicle is not working and you are left stranded on the spot. As per the terms of the deal, they will be bound to send a mechanic to the spot then and there. With a mechanic ready to repair your vehicle as soon as the breakdown happens, your vehicle may start working unless there is a major problem.
So, you can resume your journey and avoid the loss that you were going to incur. Breakdown cover may not cost you too much; but the service it provides is highly valuable. When compared to the losses one has to face due to sudden breakdown, this type of car insurance proves to be a godsend. Be it the owner of a van or the one travelling in his personal car, breakdown cover makes real sense for both.
The author is an expert in car insurance, van insurance, breakdown cover, online insurance and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.
Article from articlesbase.com