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If you have been offered income protection insurance alongside your loan or credit card then you could be asking yourself - is there such as thing as cheap income protection insurance? Well the good news is that it does exist. Certainly, the cheapest income protection insurance can be found by shopping around for cover rather than being coerced in to buying it from your bank or high street lender alongside your loan, credit card or mortgage.

Research shows that going with a standalone provider and staying clear of the high street lender can more often than not save you a substantial sum of money on your premiums. A reputable standalone provider will specialise in this type of insurance and so will not only be able to offer you the cover much cheaper than the high street lenders can, but they also have experience when it comes to selling policies, meaning you are more likely to get the right policy for your circumstances.

Income protection insurance will provide you with a fixed monthly inc (more...)

Here comes the insurance adjuster. Is he overly friendly? If so, watch out! It s OK to be hospitable. Be good-tempered and cordial - - but beware! Never forget he s paid to save his company as much money as he can. That s the name of his game.

DON T SIGN ANYTHING: Don t overestimate the good will of the adjuster. They re trained to investigate accident cases in such a way, if at all possible, to make their insured look good. Many unsuspecting individuals fall prey to the adjuster who seeks to protect his company s pocketbook at the expense of a legitimate claimant.

If a company calls you and suggests they take your statement over the telephone, tell them you would prefer to meet with an adjuster. Don t agree to dictate a verbal statement into a tape recorder over the phone, and certainly not when you re in the presence of an adjuster. Don t sign a statement when you meet with him. Whatever the circumstance may be, advise whomever you re dealing with that you ll be more than willi (more...)