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Bread, Milk and Car Insurance
With increased competition between supermarkets to gain market share and improve profitability, the range of products on offer is getting ever diverse. Now, the big three chains, Tesco, Sainsbury’s and Asda have caught on to the fact that their...
Health Insurance: How to Apply
If you're wondering how to apply for health insurance, be aware that application is the second step of the process -- after you've researched different policies and compared prices and benefits. Whether you apply online or off will depend on your...
Insurance: The Common Insurance Points
Most people will be familiar with insurance in some form or
another. We all have taken out home insurance, car insurance or
credit insurance among others. Insurance contracts are long and
complex documents with a lot of small print. Sometimes...
Mortgage Life Insurance
Owning a home is a dream for most of us, although it is an expensive one. The monthly payments usually take up a big slice of our monthly income, and the sudden loss in the event of you or your spouse's early death may leave your survivors unable to...
The Awful Truth about Annuity and Insurance Leads
You see the websites, you see the ads: exclusive, never before sold, prospects eager to buy, insurance and annuity Leads. Some leads cost a few dollars - others are over one-hundred a pop. I was curious, just how good are these insurance and...
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Insurance - Tips and Hints
There are several ways to reduce your Insurance Premiums, and by
implementing these methods you can save yourself thousands a
year.
Excess
Most claims are subject to an excess which is stipulated in your
policy. If you opt for a higher excess, your monthly premiums
will be less. In an average policy the excess is usually between
750.00 and 1000.00 If you make your excess 2000.00, you will
also protect your no-claim bonus, by not claiming for small
amounts during the year, which will result in your premiums
being lowered the following year.
Market Value
The replacement value of goods, increases all the time. The only
exception is Motor Vehicles. Make sure you car is only insured
at the market value. A car you bought 5 years ago will not have
the same market value today. So check with your broker or
insurance company that you are only paying for the market value
and that it is reduced on an annual basis.
Specified Items
Most Insurance Companies require you to Insure
specific items in
your policy. i.e. - Jewellery, Glasses, Cell phones etc. Make
sure that if you no longer own these items, that you have them
removed from your policy. There's no point paying cover for
something you don't own anymore.
Security
By installing the following security measures, your are reducing
the risk of loss, and will result in reducing your monthly
premiums.
Household Burglar bars Alarm System and Armed Response Security
Gates Motor Vehicle Alarm, Immobilizer or Gear Lock Satellite
Tracking System
No-Claim Bonus
Your monthly premiums are directly related to your number of
claims you submit. The less claims you submit, the lower the
premiums. Most insurance companies offer a discount on household
and car insurance if no claims have been submitted.
Policyholders can earn such a bonus on the basis of a claim-free
history.
About the author:
Written by Dale Maxwell -
http://www.insurance-south-africa.co.za
-http://www.dialdirect-quote.co.za
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