Cheap Van insurance Tips And Tricks: September 2012

Sunday 30 September 2012

Using Your Van Short Term? Then You Need A Temporary Van Insurance Cover

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CD rates in D.C. Metro, Washington D.C.

The Fed is keeping rates incredibly low, and it's being reflected in CDs. The average one-year CD rate is currently at 0.3 percent. But there are still some institutions posting higher yields. Use our research to find the best CD rates in Washington D.C.
You can count on traditional CDs in the District of Columbia being

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TfL online journey planner launched

Transport for London has now launched its online journey planner for delivery drivers in London during the Olympic Games. As the area will be manic for the duration of the games, delivery drivers can use the handy tool to plan routes which avoid certain no-go areas and therefore optimise efficiency during the Games. The planner shows delivery drivers the exact spots at which they can make drop offs in case of road closures and will show routes of any road events being carried out and how these will affect delivery times.

From July, the site will be refreshed every five minutes with up to date traffic information, and any issues which may affect drivers, their routes or timings. Overall, the tool will be a godsend to many freight operators, but the general advice is still to try and keep away from the area if possible as conditions will be hectic for drivers.

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Saturday 29 September 2012

Council fined for safety breach

The Dumfries Sheriff Court has fined Dumfries and Galloway Council £40,000 for safety failures that led to severe injuries for one road repairman.

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5 questions your bank doesn't want you to ask

Asking your bank the right questions could help ensure you don’t fall victim to common financial mistakes.

It's not as though banks keep important information a secret or lie to us, but you often have to know where to look if you want all the facts about a new product or account.

Before committing to a new deal, it’s worth scouring the fine print, frequently asked questions and summary boxes.

In many cases you could get a better deal if you ask these five probing questions.

QUESTION ONE: Will I definitely get the advertised rate?

ANSWER: There’s a pretty decent chance you won't. Since new European rules came into effect under the Consumer Credit Directive last year, credit card and loan companies are only obliged to offer the advertised rate (or representative APR) to 51% of successful applicants.

If you have any blemishes on your credit profile, it’s unlikely you’ll receive the most competitive rate.

QUESTION TWO: Why has the interest rate plummeted on my savings?

ANSWER: In order to attract new savers, banks often offer market-leading rates that include a ‘bonus’ for a limited period – after which you may get a much lower return.

Derbyshire’s NetSaver is a perfect case in point. Despite offering a top easy access rate of 3.06% for 12 months, the rate drops to 1% after 30 November 2013.

QUESTION THREE: Will you give me a better deal?

ANSWER: If your bank (or any financial company) offers a more competitive deal than the one you currently receive, it doesn't hurt to contact the company and ask to be transferred to the cheaper offer. Remember this strategy has a greater chance of success if you always make payments on time and stick to the terms of your contract.

QUESTION FOUR: What is the total amount repayable on my loan?

ANSWER: When it comes to a personal loan, you should never simply look at the representative APR to assess how much it will cost to borrow money. This figure only tells you how much interest you will be paying in one year and not the lifetime of the loan.

Finding out the total amount repayable will tell you the exact cost of borrowing including any fees and charges.

QUESTION FIVE: Do I really need this product?

ANSWER: In many cases, banks will try to market products that may be of very little use to you. If it's a fee-paying current account, ask yourself if you would really take full advantage of the benefits. Likewise, you may not need identity theft insurance – as long as you haven't been negligent with your personal details a bank should reimburse your losses if you are the victim of identity theft.

**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**

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Which? calls for Big Change in banking

Which? launches the Big Change campaign calling on banks to put customers first not bankers, as new research shows that banking is one of the least trusted professions.

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Friday 28 September 2012

Increased number of motorists using their mobile phone for social media

Over the past year social media and smart phones have become increasingly popular with latest research revealing the motorists are still using their mobile phone whilst driving.

Floods: what to do and what help is available

Can HSAs reform health care?

Employers are embracing health savings accounts and health reimbursement arrangements, but is it a good thing?

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Thursday 27 September 2012

Feds Testing Out Cars That Talk to Each Other in Michigan

Federal regulators recently announced a yearlong project, which will determine the effectiveness of wireless communication between cars in improving safety on highways and roads.

Ray LaHood, Secretary of Transportation announced the program, saying that 3,000 Ann Arbor cars, trucks and buses will be equipped with data recorders and what is basically a Wi-Fi technology allowing them to transmit important information about local hazardous conditions and accidents. The equipment to make these systems work is stored in the trunk of the vehicle.

The connected vehicles will warn drivers of sudden changes in the surrounding traffic pattern as well as any potential collisions. The cars will use data from other cars that have been equipped with this technology as well as special roadside devices.

Secretary LaHood said the study, which cost $25 million would provide plenty of useful data and would help the government decide if such technology should be required in future vehicles.

At a press conference at the University of Michigan Transportation Research Institute, where the wireless devices will be installed and the data will be collected, Secretary LaHood said, “Cars talking to each other is the future of motor safety.”

Safety regulators claim that vehicle-to-vehicle communication could possibly help drivers avoid, or at least reduce the severity of 80 percent of vehicle crashes that involve unimpaired drivers. According to LaHood, at this point there is no plan to require this type of technology in future cars, a decision will be made after the data is examined.

Safety experts feel this is the next step in an effort by the auto industry to understand how connected vehicles can improve traffic flow and safety.

A total of eight automakers are providing vehicles for the study which will include commercial trucks as well as buses. These companies will also offer engineering assistance to the study. Many of the latest models being put into the marketplace from these carmakers already incorporate much of the technology. Traffic assist, lane departure warnings and adaptive cruise control are just a few examples.

The study takes it to the next level by allowing connected vehicles to share safety information with each other. The systems give driver’s audio and visual warnings about traffic changes being experienced by other connected vehicles. Onboard cameras will also record how the drivers are responding to traffic changes and accidents.

Safety advocates expressed concerned that drivers may rely on the systems too much and become less cautious when driving. Transportation experts and politicians are hoping that this kind of smart technology will help improve traffic and save money by doing more with existing infrastructure.

General Motors, Ford, Toyota, Honda, Nissan, Volkswagen, Hyundai and Mercedes-Benz are the automakers that are participating in the study. Currently about 500 vehicles are involved in the study, which is in the trial phase. As the study continues it will expand to about 2,800 volunteers.

The government is conducting a study about the effectiveness of car-to-car communication to improve safety on the highways and roads. At its peak about 3,000 cars will participate in the Ann Arbor area.

Feds Testing Out Cars That Talk to Each Other in Michigan is a post from: Cheap Car Insurance News Blog

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6 best states to live in during your retirement

Boldly go where people live long and prosper. Consider these six states for retirement.

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Mini Paceman

The Mini Paceman, launched at the 2012 Paris Motor Show, is the sporty three-door coupe sister of the Mini Countryman SUV

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Wednesday 26 September 2012

7 signs that now's not the right time to retire

Some signals are subtle while others hit you over the head with a sledgehammer.

Should I file bankruptcy to avoid debt collectors?

Debts of $15K aren't outrageous, but when you're jobless, bankruptcy may work best.

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Money market account and rates in Guymon-Knowles, Oklahoma

The average rate is low. It's been at 0.12 percent for the last 11 weeks. Still, some credit unions and online banks are offering much higher yields. You'll just have to do some shopping around in order to find them. Use our research to find a money market account and rates in Guymon-Knowles, OK, and

Tuesday 25 September 2012

SR-22 Insurance Requirements in California

The state of California requires all vehicles to be covered by a minimum amount of liability insurance. Insurance companies in CA are required by law to report to the state the insurance status of a vehicle and the driver must provide proof of insurance in California during the first-time registration of a vehicle, or when a vehicle registration is renewed.

When do you need an SR-22?

SR-22 (the “SR” stands for “safety responsibility”) is a document that verifies that someone has automobile insurance. The SR-22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV). The SR-22 is not an insurance policy. It is evidence that you have a policy.

Typically, an SR-22 is required when a driver seeks to reinstate a driver’s license after being convicted of a DUI, reckless driving, driving without insurance, or some other driving violation that’s resulted in a suspension. The SR-22 may be required whether you own a vehicle (owner SR-22) or not (non-owner SR-22). The SR-22 is usually required for a number of years – for example, five years following a DUI conviction. If the policy holder fails to pay the premiums, the SR-22 is cancelled and an SR-26 is filed with the DMV. When the DMV receives the SR-26, the policy holder’s license is suspended until a new SR-22 is filed.

Contact Serenity Insurance if you require auto insurance with an SR-22. Serenity Insurance specializes in helping DUI offenders get back on the road with a legal driver’s license. Call Serenity Insurance at 1-800-774-0520 or go online today for a free SR-22 insurance quote.

Minimum Insurance coverage requirements in California

The standards below indicate the minimum coverage required by law in California. Drivers can always acquire higher coverage in accordance with their risk preference.

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CD rates in Stamford, Connecticut

Rates are fairly low throughout the nation. The average one-year CD rate is currently at 0.31 percent. Still, there are some institutions - like credit unions and online banks - that are offering better-than-average yields. You can use our rates survey to find the best CD rates in Stamford, CT, and in other areas of

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Monday 24 September 2012

ATMs to take ‘chip’ cards, or else

New debit card security standards could mean less risk of fraud, but higher ATM fees, for consumers.

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Falling demand for commercial vehicles

Across the EU, demand for commercial vehicles has dropped almost 12% over the past year. This includes sales of CVs which have also dropped off significantly since the beginning of 2011.

We’re not sure what this means for commercial vehicles, but we’re sure it has a whole lot to do with the current financial climate. Let’s hope things pick up in the commercial market and that the introduction of further electric vehicles takes off. With the Olympic Games this summer, trade and business will be busier than ever- just the boost we all need!

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London Royal Plus life insurance policy is good money after bad

I've paid £49 monthly to London Royal, expecting a £75,000 payout for my children at death. But the payout is really £13,000 – and shrinking

In 1994 my husband and I were advised by our financial adviser to take out a unit-linked life insurance plan with what was then United Friendly (now London Royal Plus). Ever since we have paid £49 monthly, in the expectation our children would receive £75,646 following the second death.

My husband died last year aged 82. I am now 75. In May this year, London Royal sent a letter telling me they failed to review our policy after five years, and then every five years, until my husband turned 70, and from then on annually.

I've been told that if I wish to maintain the final payout, the monthly payment will have to rise to £257. On the other hand, if I choose to continue paying at the same rate as before (though reviewed annually), the final total would shrink to £13,159. The deadline given for my decision was just three weeks.

As there must be many others in my position, I wonder whether there is any advice you might be able to give regarding the best handling of the matter.

Faced with monthly contributions of £256.93 (expected to rise annually by 15%), I shall have little choice but to stop paying in. Is it reasonable to expect compensation for the wasted payments of 18 years at £49 a month? GS, Bristol

Whole of Life policies, which is what you have, were heavily sold by financial advisers, who no doubt pocketed generous commissions. They are insurance policies rather than savings policies – promising a payout on death plus a small "surrender value" if you cash them in. They usually start with affordable premiums, but are then reviewed as they go along.

They were often sold as part of inheritance tax planning, but as with so many financial products of this sort, the capital appears to have been eaten up with the various fees and charges. It hasn't helped that stock markets have underperformed and longevity improved – which is why insurers are raising premiums.

London Royal declined to speak to us about your case, citing data protection, but it has agreed to return payments you have made since April 2010. That adds up to £1,225, along with interest at 8%, amounting to £214.81, plus a cash surrender value as at April 2010 of £670.

So what are your options? As a 75-year-old woman, the life expectancy tables suggest you will live another 12-13 years. If you keep paying in £49 a month, that's £7,644 more you'll pay by the time you are 88. You might think that is worth it, as you'll get a payout of £13,159, but the thing is, you won't. The insurance company will continue to review the payouts, which will continue to fall.

Danny Cox, insurance specialist at Hargreaves Lansdown, told us: "My gut reaction is to can the policy and stop throwing good money after bad."

Consider taking your case to the Financial Ombudsman Service. If you were told it was a savings policy, not an insurance policy, and not warned that you would face potential premium increases, you are likely to have a good case. Generally, these policies were among the worst-value financial products of the 1980s and 1990s.

We welcome letters but cannot answer individually. Email us at consumer.champions@guardian.co.uk or write to Bachelor & Brignall, Money, the Guardian, 90 York Way, London N1 9GU. Please include a daytime phone number.

Miles Brignall

Sunday 23 September 2012

NFU Mutual achieves underwriting profit in 2011

Combined operating ratio down to 91% in 2011

Reasons To Insure Your Vehicle Every Time?

Basics of vehicle insurance throughout England

Motor insurance insurance rates have gotten so high that motorists shy away from the topic of it. Certainly not because of the stress of restarting their insurance policy after expiration, but rather means of how they must 'hand out' their next payment.

Throughout the years, vehicle insurance policy has been on the rise- it has presently develop to be a portion of 'household' overheads and obtaining a less costly premium is undoubtedly speedily getting to be an illusion compared with reality. Regardless of how costly vehicle insurance charges could be- they're still crucial for driving any automobile on the road.

Can we definitely manage to drive with no a coverage?

In certain countries around the world, it's a driving or criminal offence to operate a car without having an insurance coverage. Throughout the UK for instance, the law enforcement specialists are always on the look out to ensure drivers possess appropriate insurance coverage for the vehicles they utilize. The benefits of having a policy include:

Offer safeguard against injury claims from 3 rd parties wanting to claim from you if you happen to be the major cause of the crash- but since you are covered from 3rd party lawsuits, your policy would pay out instead of leaving you out of pocket .

Also, it's unlawful in the united kingdom to use a car with no current insurance cover- offenders can aquire endorsements on their driving licence, get a fine, be banned from driving a vehicle, as well as imprisoned for serious and different situations.

Disadvantages of obtaining no policy whilst driving a motor vehicle

Don't have an insurance, you shouldn't drive- it's not worth the repercussion. These are the consequences of driving without a reasonable car insurance coverage:

You may incur endorsements on your licence which may hinder your ability to secure a job that involves driving or even risk losing your licence all together.
Bans are often given to drivers without a valid insurance coverage on their vehicle, however, large fines do accompany these fines depending on the degree of the offence.
Offenders do get minimal or massive fines which will depend on how severe the offense might be- some offence may carry up to a maximum fine of £3000 if it endangers life or property.
It might be astonishing, but people do get imprisoned in some special situations.

Points to take note of when purchasing a car insurance cover

It can be rather confusing for new and young drivers trying to buy an insurance policy for the first time. With all the complicated terms, words and policies, experienced drivers might need to explain these policies to them in plain and simple language. Even so, some important criteria will have to be acknowledged before buying the policy. These are primary factors to consider:

The 3 levels of cover you can select from includes: comprehensive, third party fire and theft and third party only.
Your level of excess is a major determining factor on your premium- the higher your excess, the lower your premium respectively.
Compare quotes by shopping around. Quotes differ from one insurance company to another- the more insurers you approach the more likelihood of you getting a cheaper premium.
Always observe the special conditions that applies to your policy- whether you're protected when you drive within other European countries, are you entitled to a courtesy vehicle should your car be out on repairs? are you allowed to drive other cars with the owners permission?

How to get discounts from your premium

There is no cheapest vehicle insurer out there. Basically, there are overwhelming variables that can influence the cost of vehicle insurance coverage: a few of these factors are- who you are, where you live, what work you do, the type of car you drive, your driving record for the last couple of years are all major components that would determine what price tag an insurer place on the policy. Your major challenge will now be to search for the cheapest car insurance deal possible by:

Buying a vehicle within lower car insurance groups. Some examples of cars within the low insurance group bracket includes: Vauxhall Corsa, Fiat Punto and Nissan Micra because of their small engine sizes. High insurance premiums are allocated to bigger engine cars while smaller engine vehicles attract lower premiums.
Increasing your level of excess would inadvertently reduce your car insurance premiums quiet significantly. voluntary excess is the amount you pledge to contribute in the event of an accident while compulsory excess is what you must pay out. Try not to inflate your the amount too high unless you're comfortable paying it.
Securing your vehicle in a locked up garage every night limits the risk of theft and damage. Minimizing the risk of criminal damage, burglary and theft should enable your insurer offer you cheaper premiums in return.
Install security systems like alarms, immobiliser and even trackers.
Using price comparison websites to shop and compare quotes helps you save money and valuable time- websites like Websites enables you to compare up to 110 companies within a few minutes, all done by filling one quote form.

Where to obtain cheap quotes

Discovering affordable premiums can some times become mission impossible. Some of the most ideal ways for uncovering cheap premiums is to keep comparing quotes from different insurance companies as well as minimizing your risk factor (your insurers perceived risk about you).

There are so many insurance packages that insurance companies offer to motorist, the package you request would depend on the quote form you're given, typical examples are: quotes for www.cheapcarinsurancex.org/cheap-car-insurance/student, www.cheapcarinsurancex.org/cheap-car-insurance/green, pay as you go car insurance for 18 year olds and many more.

Finishing thought on motor insurance

It will be more expensive to drive your vehicle without any suitable insurance protection rather than when you own a suitable cover: If you're in an accident that was your negligence, without having insurance policy, you will risk being accused of damages by third parties and the cost of pay outs could become too much to handle if you do not have the financial means. Legal claims from those affected by the accident, your car getting seized or scraped and settling 3rd party litigations are all typical instances of peril drivers can are up against for not insuring their car.

Conversely, insuring your motor car only gives you reassurance and away from issues. Refrain from driving a vehicle that's without insurance.

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Use IRA to help say good riddance to PMI?

Sick of private mortgage insurance? Find out whether to use retirement savings as a remedy.

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Saturday 22 September 2012

Mini Roadster

Mini Roadster coming soon review from Which? Car. The British brand is set to introduce three new models - a coupe, roadster, and the Countryman crossover. We take a closer look at the Roadster.

Mortgage rates in Phoenix, Arizona

Looking for assurance that you’ll find the best mortgage rates in Phoenix, AZ? Then check out our site. We provide all the guides, tools and calculators needed to make an informed decision. Rates can change throughout the day and week, but our easy search function allows to you to check local mortgage rates in Phoenix and