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You may think telling your insurance company a little white lie does no harm but the reality of this can be somewhat different. In a recent report carried out by Admiral it has been highlighted that in actuality you could find yourself without an insurance policy if you are caught out.

“What constitutes lying to my car insurance company?” you ask.
Well, for starters, something as seemingly insignificant as reporting your annual mileage to be much less than it is can be seen as a “lie” by your insurance company. This could result in a price hike on your policy or even end in your insurance policy being cancelled. This may seem pedantic but as the report states “An insurance policy is a legal contract so it is vital your honest”.

The most common details falsified by policy holders are details such as motor convictions (i.e. speeding fines), previous claim history, modifications, etc.
In researching information for this article, I came across a (more...)

Your home is your most valuable possession. It will have taken you years to get it how you want and you will probably have many treasured items within the walls. With this in mind you will want to get the best protection for your home without it costing you a fortune in the process. This is where you can use the internet to your advantage to get cheap house insurance for the contents of your home and for the building itself.

While house insurance cannot replace the memories lost, it can help you to rebuild from a complete disaster.

You should take into account how much it would cost to replace everything in your home if it were to be destroyed in the worst case scenario. This means taking an inventory of everything you own to come to an overall figure. You should also bear in mind any items which are of particular value as these might need extra insurance cover taking out on them.

Insurance can be confusing especially when it comes to getting the best deal and you can save a lot of mo (more...)

Every year, thousands of boating accidents happen in the United States. Out of this, 60 percent results in some kind of injury. Aside from accidents, boats also get stolen. This is why it is very important to get boat insurance. With all the dangers, it would be crazy not to get boat insurance.

Here are a few useful tips when shopping for boat insurance.

1. You should look for an insurance company that is responsive &amp always available. It is very critical that your company responds when you really need assistance. Help should always be close by when an accident happens, when you need claims or emergency service.

2. You should look for an insurance company with good customer service. It is advisable to choose a company with a large network of agencies, claim centers, and helpful employees that are ready to serve you whenever you need them. In such a case, you can be sure that you will be treated fairly and promptly.

3. Choose an insurance company that is financially stab (more...)

So what could possibly be more sleep-inducing than reading (or writing) a 650-word article about auto insurance? After considerable brain-racking, I ve come up with one possibility: watching towels dry. However, if you drive a car in the United States, the law requires that you have your fair share of auto insurance. This article, in particular addresses one facet of auto insurance coverage: glass coverage.

So what s your point?

The purpose of this information page is not to navigate the morass of options, riders, or auto insurance companies. If you don t know whether you want “good hands” or a talking lizard, you should dig deeper on the websites these companies spend lots of money on to entice your patronage. Or you could investigate getting yourself a reputable insurance agent to act on your behalf. Insurance agents are people who think insurance is fun, and therefore can be trusted to accurately answer insurance questions. One resource for locating a reputable agent is (more...)

Auto insurance is one of those must-haves in life. In most states, it is required by law that you carry at least the minimum coverage. There s no way around this, so you might as well take advantage of the money-saving tips below to make the most of your insurance experience.

Tip Number One: Consider Your Vehicle s Value

Let s face it, automobiles depreciate (or lose value) very quickly. When you drive your vehicle from the car lot brand new, the “new” value goes down suddenly to a “used” value. No matter how well you take care of your car, the value will decrease tremendously over a short period of time.

If you ve paid off all debts owed on your vehicle, find out from your previous lender the estimated book value. If this amount equals the same or less than what your collision insurance premium is going to cost you, then there s no reason to carry collision coverage. You would basically be paying the total value of your car each year, whether you have an (more...)

We all know the importance of looking after ourselves. Sure, it means exercising and eating well. But it goes beyond that. We need to insure ourselves against situations that are beyond our control.

Misfortune usually strikes without warning and often when we are least prepared. This is where good medical coverage is a necessity. For if we do not have medical coverage, not only will our health suffer, but our financial health will suffer greatly as well.

Full medical insurance is one of the perks of working for an employer with a full medical benefits package. But what if your employer doesn t offer a medical program or, you are self employed.

Low cost insurance is an option if you have to cover the cost of insurance yourself. But the low cost may imply that it is only the most basic of coverages. Check the reputation of your health care provider, and know that most well established companies will not vary greatly and their prices will be in a close range for the same services. (more...)