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  Friday, April 04, 2025

Informative Articles

Help! There's an Intruder in my Computer
Do you have passwords, love letters, naughty pictures or sensitive business information stored on your computer's hard drive? If you have a continuous Internet connection such as cable, xDSL, ISDN or other, you should know that it's almost...
HomelandDefenseStocks.com Updates Homeland Security Public and Private Featured Companies, New Content and Online Investor Schedule for 2005
HomelandDefenseStocks.com Updates Homeland Security Public and Private Featured Companies, New Content and Online Investor Schedule for 2005 POINT ROBERTS, Wash.; January 5, 2005 - www.HomelandDefenseStocks.com (HDS), an investor news portal...
HomelandDefenseStocks.com�s "Homeland Defense Stocks Online Investor Conference" Live Today: 13 Public Companies and 3 Industry Experts Present
October 19, 2004 HomelandDefenseStocks.com�s "Homeland Defense Stocks Online Investor Conference" Live Today: 13 Public Companies and 3 Industry Experts Present ALSO featured exclusive interview with Dr. Hugo Poza, VP of Homeland Defense...
Moms, Five Reasons To Examine Your Spending Habits
We all need money. We all want money. It is what we spend much of our time pursuing, "by the sweat of our brow"... We hopefully have a stream of it coming in-- our stream may be smaller or larger than others. But it is how we manage our...
Tips For Maintaining Client Relationships
You may reprint or publish this article free of charge as long as the bylines are included. Original URL (The Web version of the article) --------------------------------------------- http://www.defendingthenet.com/NewsLetters/TipsForMaintaini...
 
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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