Cheap Van insurance Tips And Tricks

Thomas

There's more to home insurance than homeowners insurance. You may need one of these four other policies.

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Even drivers who take precautions through proper maintenance can make damage-incurring mistakes. While safe driving practices and regular maintenance are the most reliable ways to protect your vehicle, the only way to foolproof your vehicle this winter is to exercise a little common sense.

Mistake #1. Letting your car run idle to heat up in the morning.

Contrary to popular belief, this is not a good idea. Letting your car run idle to raise the temperature is the most inefficient method to heat your car. It also wastes gas, and it can overwhelm your car’s catalytic converter, which needs high exhaust temperatures to work properly. If you consistently leave your engine idling in cold temperatures for long periods of time, your converter can become “plugged” which will lead to poor gas mileage and dirtier exhaust.

Also, unless you have a garage, leaving your engine running as a way to heat your car generally means that you will be leaving your car unattended. This is not a good idea for the obvious reason that if someone wants to steal your car, the thief will have easy access and a warm ride to the nearest chop shop.

Mistake #2. Leaving your car parked with a low tank of gas.

During cold winter weather, the air inside your gas tank can become moist, which can crystallize and freeze. Keeping a full tank of gas means less air and less chance of frozen fuel lines. If it’s inconvenient to keep your tank full, keep a fuel deicer on hand to add to the gas tank. Either way, it’s best to be prepared. You don’t want to be late for work because you’re waiting for your fuel lines to thaw.

Mistake #3. Using hot water to remedy icy windshields.

Many novice car owners have walked outside during the coldest days of winter only to be perplexed by a sheet of ice that has enshrouded a vehicle. But don’t reach for the kettle because pouring hot or boiling water over an iced windshield can actually cause your windshield to break. This is because the rapid change in temperature for the glass — from freezing cold to scalding hot — causes the glass to expand and contract too quickly, leading to fractures. Instead, use an ice scraper. If you find yourself unprepared, grab a CD, a CD case, a spatula, or a credit card to scrape away that ice.

Mistake #4. Neglecting your tire pressure.

Colder weather means compressed air, which means lower tire pressure. Relying on emergency lights or visibly low tires as clues to keep your tire pressure in check can be dangerous, especially for those who commute long distances to work. Tire pressure must be monitored throughout the winter, as every 10 degree drop in temperature reduces the pressure in your tires by one pound per square-inch (PSI). Keep a pressure gauge and a portable air pump in the trunk to administer on-the-spot tire pressure maintenance.

The post Common Winter Weather Car Maintenance Mistakes appeared first on CarInsuranceQuotes.net.

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Thomas

Even drivers who take precautions through proper maintenance can make damage-incurring mistakes. While safe driving practices and regular maintenance are the most reliable ways to protect your vehicle, the only way to foolproof your vehicle this winter is to exercise a little common sense.

Mistake #1. Letting your car run idle to heat up in the morning.

Contrary to popular belief, this is not a good idea. Letting your car run idle to raise the temperature is the most inefficient method to heat your car. It also wastes gas, and it can overwhelm your car’s catalytic converter, which needs high exhaust temperatures to work properly. If you consistently leave your engine idling in cold temperatures for long periods of time, your converter can become “plugged” which will lead to poor gas mileage and dirtier exhaust.

Also, unless you have a garage, leaving your engine running as a way to heat your car generally means that you will be leaving your car unattended. This is not a good idea for the obvious reason that if someone wants to steal your car, the thief will have easy access and a warm ride to the nearest chop shop.

Mistake #2. Leaving your car parked with a low tank of gas.

During cold winter weather, the air inside your gas tank can become moist, which can crystallize and freeze. Keeping a full tank of gas means less air and less chance of frozen fuel lines. If it’s inconvenient to keep your tank full, keep a fuel deicer on hand to add to the gas tank. Either way, it’s best to be prepared. You don’t want to be late for work because you’re waiting for your fuel lines to thaw.

Mistake #3. Using hot water to remedy icy windshields.

Many novice car owners have walked outside during the coldest days of winter only to be perplexed by a sheet of ice that has enshrouded a vehicle. But don’t reach for the kettle because pouring hot or boiling water over an iced windshield can actually cause your windshield to break. This is because the rapid change in temperature for the glass — from freezing cold to scalding hot — causes the glass to expand and contract too quickly, leading to fractures. Instead, use an ice scraper. If you find yourself unprepared, grab a CD, a CD case, a spatula, or a credit card to scrape away that ice.

Mistake #4. Neglecting your tire pressure.

Colder weather means compressed air, which means lower tire pressure. Relying on emergency lights or visibly low tires as clues to keep your tire pressure in check can be dangerous, especially for those who commute long distances to work. Tire pressure must be monitored throughout the winter, as every 10 degree drop in temperature reduces the pressure in your tires by one pound per square-inch (PSI). Keep a pressure gauge and a portable air pump in the trunk to administer on-the-spot tire pressure maintenance.

The post Common Winter Weather Car Maintenance Mistakes appeared first on CarInsuranceQuotes.net.

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Thomas

Vauxhall has managed to produce the most commercial vehicles in the UK for the eleventh year running – beating its closest rivals by a significant number of units. The manufacturer managed to turn out an impressive 53,465 Vivaro-type vans from its Luton plant last year, while 5,373 Astravans rolled off its Ellesmere Port production line.

Hoping to cash in on some of the popularity, Renault is now producing its own version of the popular Vivaro, the Trafic, from its partner Nissan’s Barcelona plant this year. They should be available to buy in the UK later in 2013. Vauxhall UK Chairman and MD, Duncan Aldred said;

‘We are very proud of our manufacturing bases here in the UK, especially as we enter out 11oth year. Vauxhall has been building ans selling vehicles in Britain without interruption since 1903.’

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http://insurancechoices.co.uk show you how to get a lower premium on your car insurance. Simple steps from http://insurancechoices.co.uk.
Video Rating: 4 / 5

How to Buy Rental Car Insurance : Auto Insurance

Subscribe Now: http://www.youtube.com/subscription_center?add_user=ehowfinance Watch More: http://www.youtube.com/ehowfinance Buying rental car insurance requires you to keep a few key …

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Which? Money provides our weekly round up of the best deals on the market to help you invest your cash Isa allowance for 2015/2016

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Autonet Insurance is pleased to announce the launch of their Motor Legal Expenses video guide, partnering with Stoke-on-Trent video production company, Reels in Motion.

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Thomas

Buying a CD through a brokerage may lead to higher CD rates. Be sure to understand the complexities of the deal though.

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Insurance Times asks what insurers can expect in 2012

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This app from the makers of TurboTax gives you an estimate of what you'll owe -- or get back -- before you file your income taxes.

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A beef supplier from Lincoln has been fined and ordered to pay costs after a worker suffered serious injuries as the result of a fall at an abattoir.

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U.S. stocks were mixed on Tuesday, with the Dow industrials pulled down by a handful of uninspiring earnings reports, while the Nasdaq was pushed higher by a proposed biotech merger. The Dow Jones industrial ...

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Which? investigates why Capital One has withdrawn its range of cash back credit cards from the market, and suggests what the future could hold for reward cards

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Thomas

Buying a CD through a brokerage may lead to higher CD rates. Be sure to understand the complexities of the deal though.

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Should I add the pricey fruit or the less-healthy, more cost-effective chocolate?

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My mechanic crashed my car I am still waiting for his insurance company to settle the claim

A mechanic from my local garage was driving my car to his premises when he skidded on ice and collided with another vehicle. There was considerable damage to both cars and the mechanic reported the incident to his insurers, LV. He was, in fact, put through to accident management company ClaimCare.

ClaimCare appointed another firm, The Car Repair Network, who told my mechanic to take my car to an appointed garage for inspection. The garage owner had received only vague details about the claim from the insurer so I called LV and discovered that, although it had a record of the incident, it had few details and no idea of who I was.

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This week may bring new clues on when the Fed may step up to the rate plate.

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What would it take to make you happy? For some of us, it could be as simple as saving £1.66 per day.

£1.66… it doesn’t sound like a particularly earth-shattering sum, does it? In fact, it’s the kind of loose change you often find rattling around at the bottom or your bag or collecting dust on the mantelpiece.

However, some 9 million Brits would feel happier with their lot if they were able to put aside this amount every day, which would equate to £50 over the course of a month.

This is according to research from government savings arm NS&I, which also found that 62% of Brits are dissatisfied with the amount of savings they have.

With this in mind, we’ve rounded up some tips that could potentially help you save. You’re probably not going to attempt them all, but taking up just one or two could help you hit that £50 target.

Save on showers

Following a recent spate of price hikes, the topic of energy bills is a huge source of concern for households across the UK. Luckily, there are numerous ways you could slash your energy bill with minimal effort.

You could, for instance, replace your traditional showerhead with a water-efficient model. According to the Energy Saving Trust, this could save the average family of four around £72 a year on water heating and another £78 on water bills.

Once you factor in the £27 cost of the showerhead, that’s an annual saving of £123 or just over £10 per month. While it doesn’t exactly meet the £50 target, it’s a decent start.

Remember this tip only applies if your shower currently takes water directly from your boiler or hot water tank.

POTENTIAL MONTHLY SAVING: Around £10 or higher if you also try other tips.

Stop wasting food

According to research from the Waste and Resources Action Programme, the average family with children wastes 680 a year on food. Doing the maths, that’s almost £57 per month.

Check out Stop wasting £680 a year on food for tips on how you could save.

POTENTIAL MONTHLY SAVING: Almost £57

Cut the interest on your debt repayments

If you’re currently paying expensive interest on your credit card, you might able to save money with a 0% balance transfer card as these products won’t charge any interest during an introductory period.

Imagine you have a debt of £2,500 and are paying interest at a rate of 20%, you would be paying £38 in interest alone this month.

With a balance transfer card, you could avoid these interest payments during the 0% period and focus on paying down your debt.

Just one word of caution – most lenders charge a one-off fee if you would like to transfer a balance onto a card and it’s wise to take this in account.

POTENTIAL MONTHLY SAVING: Depends on your level of debt

Ditch the vending machine

By now, you’re probably sick of being told how much money you could save by taking a packed lunch into work every day, but have you considered how much you spend on snacks?

Say you buy two cans of cokes and a bar of chocolate from the vending machine every day, you could easily be spending £1.66. Ditch this habit and you could potentially save £50 a month.

POTENTIAL MONTHLY SAVING: £50

We can’t promise eternal happiness, if you follow our money-saving tips. However, you might be able to put a little extra into your savings each month and perhaps feel a little less financially frustrated.

**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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Thomas

Car owners reported a massive 20,994 faults in the 2014 Which? Car Survey. We’ve picked out the five most common ones...

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Thomas

What would it take to make you happy? For some of us, it could be as simple as saving £1.66 per day.

£1.66… it doesn’t sound like a particularly earth-shattering sum, does it? In fact, it’s the kind of loose change you often find rattling around at the bottom or your bag or collecting dust on the mantelpiece.

However, some 9 million Brits would feel happier with their lot if they were able to put aside this amount every day, which would equate to £50 over the course of a month.

This is according to research from government savings arm NS&I, which also found that 62% of Brits are dissatisfied with the amount of savings they have.

With this in mind, we’ve rounded up some tips that could potentially help you save. You’re probably not going to attempt them all, but taking up just one or two could help you hit that £50 target.

Save on showers

Following a recent spate of price hikes, the topic of energy bills is a huge source of concern for households across the UK. Luckily, there are numerous ways you could slash your energy bill with minimal effort.

You could, for instance, replace your traditional showerhead with a water-efficient model. According to the Energy Saving Trust, this could save the average family of four around £72 a year on water heating and another £78 on water bills.

Once you factor in the £27 cost of the showerhead, that’s an annual saving of £123 or just over £10 per month. While it doesn’t exactly meet the £50 target, it’s a decent start.

Remember this tip only applies if your shower currently takes water directly from your boiler or hot water tank.

POTENTIAL MONTHLY SAVING: Around £10 or higher if you also try other tips.

Stop wasting food

According to research from the Waste and Resources Action Programme, the average family with children wastes 680 a year on food. Doing the maths, that’s almost £57 per month.

Check out Stop wasting £680 a year on food for tips on how you could save.

POTENTIAL MONTHLY SAVING: Almost £57

Cut the interest on your debt repayments

If you’re currently paying expensive interest on your credit card, you might able to save money with a 0% balance transfer card as these products won’t charge any interest during an introductory period.

Imagine you have a debt of £2,500 and are paying interest at a rate of 20%, you would be paying £38 in interest alone this month.

With a balance transfer card, you could avoid these interest payments during the 0% period and focus on paying down your debt.

Just one word of caution – most lenders charge a one-off fee if you would like to transfer a balance onto a card and it’s wise to take this in account.

POTENTIAL MONTHLY SAVING: Depends on your level of debt

Ditch the vending machine

By now, you’re probably sick of being told how much money you could save by taking a packed lunch into work every day, but have you considered how much you spend on snacks?

Say you buy two cans of cokes and a bar of chocolate from the vending machine every day, you could easily be spending £1.66. Ditch this habit and you could potentially save £50 a month.

POTENTIAL MONTHLY SAVING: £50

We can’t promise eternal happiness, if you follow our money-saving tips. However, you might be able to put a little extra into your savings each month and perhaps feel a little less financially frustrated.

**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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Thomas

Investing is only one piece of the retirement puzzle. In order to quit working, most people have to rethink priorities and get off the consumer treadmill.

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Fiat 500X first look from Which? Car. Full details of the new Fiat 500X compact crossover, including engines, prices and equipment.

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While today's cars can come equipped with a number of driving aids ranging from "simple" sonar sensors to help judge distances from obstacles, to those that actually park your car for you, for the most part, few have been able to put a quantifiable amount to how well they work. On top of that, most of the features have only been equipped on high-end luxury cars until the past couple of years. To compound the issue, this put many high-tech features out of reach for younger buyers, only allowing mostly older drivers to afford them.

Now, enter The Hartford and the MIT AgeLab. The financial services giant, partnering with the MIT group specifically charged with conducting research to improve the quality of life for older adults, were able to determine that drivers over the age of 50 are more likely than any other age group to buy vehicles containing those modern technologies. With that figure in mind, the two conducted a study into what technologies help advance these type of driver's abilities the most. When the results were compiled, the two listed their top 10 most effective features, which goes as follows:

Smart Headlights
Researchers found that headlights capable of adjusting the range and intensity of the headlamps not only reduce glare and improve night vision, but also spread light where normal headlamps can't when making turns.
Emergency Response Systems
Systems including and similar to GM's OnStar offer quick assistance to drivers at the push of a button. This allows a quick response in the event of a medical emergency, or if a driver simply needs directions. In addition, these systems can also alert operators in the event of a collision, which can save precious seconds when it comes to getting first responders to the scene.
Reverse Monitoring Systems
By using rear-view cameras and sonar sensors, these aids not only provide a wide angle view of what is behind the driver's car, but can also help drivers judge distances from obstacles and back up safely. Plus, the ability to see objects behind the vehicle through a monitor in the dashboard lets drivers face forward, providing a huge safety advantage for those with reduced flexibility.
Blind Spot Warning Systems
This helpful system warns drivers of objects lingering in blind spots, and can also be a helpful tool for those with a limited range of motion. Drivers receive an audible and visual alert should they be at risk of a potential collision while changing lanes or parking.
Lane Departure Warning
These systems take blind spot warning a step further by monitoring the vehicle's position on the road, not only providing a warning if the driver drifts out of their intended lane, but by also adjusting the vehicle's direction slightly to help keep the car where it belongs.
Vehicle Stability Control
Relying on multiple sensors that detect engine speed, throttle position, wheel speed, braking force, and vehicle yaw, these systems help automatically bring your vehicle back into its intended line of travel. They are particularly effective in situations where the driver underestimates the angle of a curve or experiences a momentary loss of control during poor weather.
Assistive Parking Systems
While this technology seemed next to impossible a few years ago, a number of vehicles today come equipped with systems that allow a car to park entirely by itself. This not only increases the number of places an elderly driver can park, but can also reduce driver stress as well.
Voice Activated Systems
These helpful systems allow drivers to access and control just about any feature available through the car's infotainment system. Depending on the car, this can include air conditioning, phone calls, music selections, and stereo volume. This allows drivers to keep their hands on the wheel and eyes on the road where they belong.
Crash Mitigation Systems
Also referred to as collision avoidance systems, these aids can detect when the vehicle is in danger of collision. If the system detects an impending collision, it can help minimize the impact by applying the brakes at maximum force – usually before the driver has time to react. By slowing the car, it can help reduce the likelihood of injury in a crash.
Drowsy Driver AlertsThese systems monitor the degree to which a driver may or may not be paying attention. If the system detects the driver isn't at attention, it will provide feedback drivers can hear, and sometimes feel, to help them stay alert while on the road.

The post The Hartford/MIT Determine Which Driver Aids Are Best for Older Drivers appeared first on CarInsuranceQuotes.net.

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Thomas

As the spring homebuying season kicks off, if you have been thinking about buying a home but not yet gotten around to it, now might be a good time to jump into the market.

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The 2015-16 tax year starts on 6 April 2015. New allowances and tax thresholds apply: 2015-16 Isas, marriage allowance and the tax-free savings allowance.

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2015-03-23 Auckland/Beijing flight route could boost NZ tourism economy A new lucrative deal between Air New Zealand and Air China will see the latter establishing a daily flight path directly between Auckland and Beijing, according to Stuff.co.nz. The new route is set to be operational by the end o

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Now that December almost here, we reveal six ways to safeguard your finances before Santa arrives.

With presents to open and trees to decorate, Christmas can be the perfect time of year to indulge our inner child.

However, this doesn’t mean we can forget about our financial responsibilities. If we’re not vigilant, Christmas can end up being one of the most painful times for our wallets, so we’ve drawn up a six-point Christmas financial checklist.

1. Check your presents are insured

Some insurance companies automatically increase the value of your home contents cover around Christmas. The Post Office, for instance, raises contents cover by 10%, but other insurers will not so it makes sense to check your policy’s fine print.

Most insurance policies carry a single article limit (SAL) which is the maximum you can claim for an individual item. Beware, the limit could be just a few hundred pounds.

If your presents exceed the SAL, contact your insurance company as you may need to name them separately on your policy or even purchase separate cover.

2. Sort out your tax return

If you need to send a self-assessment tax return, the online deadline is 31 January.

However, it’s wise to get this sorted as soon as possible rather than getting caught up in a last-minute scramble. If you fail to meet the deadline, you could face a £100 fine.

People who need to fill in an online form include the self employed, those who need to pay Capital Gains Tax and anyone whose income is above a certain level. However, this list isn’t extensive so check the HM Revenue & Customs website for more details.

3. Get your boiler serviced

If your boiler has ever given out during winter, you probably know how stressful the experience can be.

However, it can also work out extremely expensive if you don’t have some form of home emergency cover included on your home insurance.

Rather than risk your boiler dying on a freezing winter night, it might be easier and cheaper to have it serviced by a registered gas engineer over the next few weeks.

4. Cut the cost of your energy bills

As you probably remember from the past couple of winters, our gas and electricity bills have been getting more and more expensive.

The situation is bound to get worse this year. During the past six months, five of the Big Six energy suppliers has raised prices. As a result, the typical household now faces energy bills of £1,283 a year, according to research from Skipton Finance Services.

However, you may be able to offset these hikes by changing to a new energy supplier. In some cases, it’s possible to save several hundred pounds.

5. Prepare your car for winter

Every couple of years, antifreeze and engine coolant levels deteriorate, which leaves your engine at risk of freezing. Antifreeze is necessary to prevent the engine from overheating or freezing during the winter months.

Before the temperature drops even further, it might be a good idea to top up your anti-freeze and perform a check on your car. In all likelihood, this will be much cheaper than repairing serious engine damage further down the line.

6. Set your financial goals for 2013

Whether you want to clear existing credit card debt, get on the property ladder or start saving, it’s a good idea to set your financial priorities as early as possible.

Once you’ve got a clear idea of your goals for next year, you can relax and enjoy the festive season.

**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? investigates why Capital One has withdrawn its range of cash back credit cards from the market, and suggests what the future could hold for reward cards

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Media AS Evaluation wuastion

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The issue in waiting until April 15, 2015 to fund 2014's IRA contributions is that you're losing up to 15 months' worth of investment returns.

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While many people need cheap van insurance (

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While many people need cheap van insurance (

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Research reveals Britain's biggest frustrations when moving house

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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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Which? investigates why Capital One has withdrawn its range of cash back credit cards from the market, and suggests what the future could hold for reward cards

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Making "will you go with me" sound more cool than awkward can be rather expensive.

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The Federal Reserve's Beige Book survey, which is based on input from business sources across the nation, predicts that the spring homebuying season will be strong.

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An estimated $1 billion in aviation insurance is expected to cover the Germanwings A320 tragedy.

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Choosing your coverage limits is an important part of designing a good car insurance policy, but many drivers don’t spend the time to think about which important car insurance options are right for them. While the vast majority of drivers will need to carry something like comprehensive coverage, for instance, there are some drivers that [...]

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According to Autoblog.com, sales of environmentally friendly diesel vehicles, or clean diesels, are up by 27.5%, compared to sales numbers at the same point last year. The article cited a recent study by HybridCars.com and the automotive research and analysis company Baum and Associates. The study revealed that Americans have purchased 61,214 clean diesel-powered vehicles during the first six months of the year. Perhaps even more surprising is the fact that this figure does not include the sale of heavy-duty diesel pickup trucks. But while the sales numbers are significant, they still do not match the number of hybrids being sold in the U.S. According to the study, hybrid sales are up by 63.5% over 2011’s numbers, and beyond the sale of green vehicles, overall automobile sales increased by 14.9% as well.

For clean diesels, 2012 year marks the second straight year where sales have increased by double-digits. According to Allen Schaeffer, the executive director of the Diesel Technol…

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A high school dance shouldn't put a family in debt.

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Many consumers buy cars to reflect how they see themselves. Which car are you?

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Looking for van insurance policy coverage need to be a very simple familiarity. You get the precise policy, acquire an excellent price and have your vehicle insured. But even the only responsibilities provide their unique potential risks fixed. Low Cost van insurance is a typical example in this.

Expressly, it can be an easy course of, but it's important to be wary of potential points, similar to paying well over the chances or buying the unsuitable sort of cover fully. So that will help you steer clear of any such potential hindrances, right here is a guide to five of the most typical errors that people come up with when buying or restarting their vehicle insurance plan.

1. Offering Wrong Details. Cars are generally intended as flexible vehicles.

Therefore the insurance coverage that protect them needs to take account of all these kinds of possible functions. This can put a a number of complexity to the application course of and may perhaps lead to needless flaws being created in the information you provide. For example, in the event you fail to call a daily car driver of your vehicle or simply declare that it's utilized for one objective when it's truly utilized for an additional, this could cause important issues.

Allowing for of which insurance coverage is a legal requirement, if your policy is undoubtedly invalidated by any errors, it's possible you'll experience more substantial challenges in comparison with merely finding it just a little difficult to make a successful compensation claim.

2. Definitely not Checking Your Cover Before Restoring It.

A 12 months period could be a very very long time within the life of a van and a business. Several matters may amend throughout this era, some of which may have to be mirrored with your insurance. Failure in order to correctly update your particulars could result in many of the issues pointed out in the previous sections. While an affordable offer could also be what you really are pursuing, finally you need to possess van insurance coverage that will really provide you with the policy you desire.

Subsequently make sure you take the time to evaluate your renewal request consider this as an opportunity to make any kind of essential adjustments even if it is only a slight tweak within your expected twelve-monthly mileage or including a brand new individual. Use your present coverage as a sign and then make changes to match. Modifying the application through the time of your policy may end up charging you a standard fee every time, so it's value executing it anytime you could have the opportunity.

3. Failing To Take A Look At the Rates Of Other Low Cost Insurance Organizations.

Whilst you is perhaps joyful together with your current insurer and have received a good quotation on your new policy, which do not mean that it might not become enhanced on elsewhere. Go online and have a look. Utilize your personal identical particulars with quite a lot of insurance companies and see whatever is accessible for your needs and figure out where savings might be derived without having to lower your primary level of policy. This is straightforward to undertake, and because of the Internet, it is amazingly reachable as well as fast too. As a result there should be absolutely no reason for spending extra for a similar policy via ignorance.

4. Incorrectly Assuming They Are Of Identical Premiums Along With Other Insurance Organizations.

Presently there usually are obvious same things amongst the two forms of packages; nevertheless, you will find additionally an analogous amount of variations that set them apart. When you are not careful you could neglect essential advice (once more, as detailed in the first part) or perhaps depart yourself hopelessly under insured. Understand your primary vehicle, what it is used for, where it is actually kept along with who will likely be driving it. Only by finding these ideal would you've a coverage that basically delivers the protection needed.

5. Buying Excess Amounts Or Too little Proposed Policy.

In the event that you are panicking that you simply have not applied the correct particulars and also exaggerated the extent of coverage that you expected, you are far more likely to pay out more than is actually strictly crucial in your insurance policy. In case you have not applied previously, seek the advice of someone who have to obtain recommendation or even talk to the insurance organisation to show you along the appropriate procedure.

A telephone enquiry is usually a great way to question unfamiliar issues while you go alongside, so long as you might have all the information to hand needless to say.

If ever you are genuine concerning possessing the very best possible cheap van insurance package deal- http://www.cheapestvaninsurance.org/ however utterly stay away from all of these obstacles. The fact that these habits are confirmed to forestall you away from your ideal goal- saving you money in your van insurance monthly cost.

There are alternative productive options to implement while hunting for ideas to pay a lesser van insurance monthly price- http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html, less expensive van insurance quotes and even cheapest car insurance quotes also other http://www.cheapestvaninsurance.org/van-insurance-comparison.html procedures that will help you locate http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html estimates in a short time.

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Thomas

Car owners reported a massive 20,994 faults in the 2014 Which? Car Survey. We’ve picked out the five most common ones...

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Here are nine great books that can help straighten out your financial life.

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Saga Pearl II takes passengers on unique Arctic adventure
Jump on a RIB boat in Lofoten Islands
Join a five-mile hike in Haugesund
Try dog sledding with a difference
Keep watch for polar bears

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Thomas

Many organizations today cannot do without the use of their vans in their daily business operations. A current and valid insurance policy is a must have for all vehicles including vans irrespective of their shape, sizes and purpose of use.

Due to the expensive nature of certain insurance policies, a huge majority of small businesses now under insure their vans in order to save money on their policies. Finding an inexpensive van insurance premium can most times become a daunting task if you do not know how and where to find it- below are great tips you can adopt when searching for low- cost van insurance premium for your business- http://www.cheapestvaninsurance.org/

If you're looking to renew the current policy or wanting to buy a new one, you can increase your chances of finding a cheaper premium by conducting research that would help you unveil the cheapest and best quote for you or your business. The way we search for information has been significantly changed by the development of the internet, as such, it provides the perfect starting point for any van insurance query you might want to conduct.

Take Time Out To Begin Your Research Online

Typically, not a lot of individuals and businesses posses the time and patience to be calling insurers one by one to obtain quotes with the view of saving money on their premium. Using the services of a van insurance comparison website is an ideal way of saving you time and money because they compare quotes from dozens of van insurance companies to bring you the cheapest quotes. Upon filling a form on the comparison site, your details and information is then passed unto other insurers who will then provide their quotes based on your requirements within minutes.

Typically, not all quotes offered by these insurers will meet your budget expectations, but there are other insurance companies that will give you some of the best market rate at comprehensively reduced price. Upon settling for your chosen quote and insurer, endeavor to give the insurer a quick call to discuss and confirm the details of your chosen quote before buying your policy online.

Calling the insurer after settling for your chosen quote to see whether they can reduce it further is the best way to obtain the best deal possible. This way, you could also comprehend whats contained within the policy itself- it's like hitting two birds with one stone. From the new details you've given, the insurers should be able to give you an adjested and final premium based on the new piece of information you've given. http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html

Call Up Your New Insurers To Discuss The Policy

In comparison to all other coverage for homes, cars, travel and health insurance, the van insurance is more of a specialist type. Apparently, not all insurance companies are able to returns quotes for specialists type of cover like for van insurance . Most times motorists just prefer to take the easiest option by settling for what they've been used to, in particular, things they've been familiar with in the past . Nonetheless, if you're serious about obtaining cheaper premiums you might just want to go deeper.

Being contented with your current premium does not really stop you from shopping around and obtaining a cheaper quote elsewhere. Whatever means you decide on using for finding cheap van insurance quotes, whether through comparison websites or contacting insurers directly, obtaining cheap quotes couldn't be any easier.

Obtaining a cheap quote from one insurance company is often a good way to get other prospective insurers to beat their lowest quote from a competitor. These insurers are under no pressure to change their quotation, some might not even consider changing it, it simply establishes a medium of at least communication with the added chance of reducing your premium even further without amending your policy.

Refining Your Van Insurance

Now, you should be in a better position to figure out important add-on and non vital stuffs within your policy in order to settle for the best possible premium available. For instance, there might be additional add-on included in your policy that includes: European coverage, third party injury protection cover, legal expenses cover and many more- no need including them in your policy if you don't need them.

A policy thoroughly examined to strip of any unwanted extras and left with only the primary cover and protection needed. Increasing your level of excess to an unscrupulous amount can be tempting, but always remember that should you be involved in an accident your insurers would request that you pay up the entire amount before your vehicle can be repaired. Don't be surprised at how much you would be saving upon disregarding the optional extras.

Lessons to be learned here is that to get a cheap van insurance premium, you'll have to be prepared to fold your sleeves and dig dirty. Irrespective of you conducting researches that involves you calling your prospective insurer or getting quotes from numerous insurers, there are many different choices you could make to get you the right outcome.

More resources: http://www.cheapestvaninsurance.org/one-day-van-insurance.html, cheapestvaninsurance.org/short-term-van-insurance, http://www.cheapestvaninsurance.org/pay-as-you-go-van-insurance-monthly-van-insurance-1-month-van-insurance.html

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Thomas

2015-03-18 Weak euro good news for Greek tourism Greece’s current economic and political situation could make it the ideal spot for a cheaper holiday this year, according to CNBC. In an interview with Christina Kalogera, director of the Greek National Tourism Organization's UK and Ireland office, th

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Thomas

Moving to The Villages, the fastest-growing retirement community in the U.S., requires a healthy retirement income.

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The average home improvement project budget this year is $4,100, up from $4,000 in 2014, according to the Amex survey.

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Thomas

From blocked guttering to an unswept chimney, we reveal the surprising ways you could invalidate your home insurance this winter.

Convinced you hate winter? Well, these months can be even more gruelling for our properties as they’re constantly assaulted by rain, snow and wind. In fact, any number of mishaps could cause tens of thousands of pounds in damage – a collapsed roof, a burst pipe, etc, etc…

Unfortunately your home insurer may not pay out if it believes you have been negligent with the maintenance of your property.

New data from insurance company AXA reveals that the company rejects around five percent of storm damage claims if the damage has been caused by poor maintenance, rather than extreme weather.

Despite this, some 59% of homeowners incorrectly believe their insurer will cover all weather-related damage.

‘Misconceptions about home insurance cover is an industry-wide problem that causes a lot of heartache for consumers,’ said James Barclay, home insurance underwriting manager at AXA.

‘There are some claims that we simply have to turn away as they are caused by obvious neglect and lack of investment in the property rather than the weather,’ he added.

How we’re neglecting our homes

Although most of us have probably postponed work around the house at one time or another, an alarming number of Brits fail to perform essential maintenance.

One in 10 of those surveyed was aware of a leaky roof, 15% have cracks in the walls and 10% have blocked or damaged drains.

While these issues may seem relatively minor, they could be a major factor contributing to severe storm damage.

Some 36% of those quizzed said they had not repaired the damage due to concerns over cost. Perhaps more shockingly, 3% confessed they were waiting for the problem to escalate before putting in an insurance claim.

Furthermore, an insurer may deem you have been negligent if an unswept chimney has caused a fire or untended crawling plants damage your brickwork. Bear in mind, these are issues that could occur at any time of year, not only in winter.

What if I take care of my home?

While homeowners who neglect their properties could be left with a hefty bill in the event of an unpaid insurance claim, this situation is more reassuring for those who keep their properties in good repair.

Most insurers should pay out for weather damage as part of a standard perils policy. One possible exception being if you live in an area with a high risk of flooding and your insurer specifically excludes flood-related damage in your policy.

Your insurance company will normally send a loss adjuster to visit the property who will subsequently appoint a contractor to oversee the repairs. A number of policies will also provide alternative accommodation should your home become uninhabitable.

Bear in mind, getting your home repaired may take longer during a city-wide incident when insurers and contractors are over-stretched.

For more stories like this, see The sneaky small print on insurance policies and Five car insurance secrets.

**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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Thomas

The average home improvement project budget this year is $4,100, up from $4,000 in 2014, according to the Amex survey.

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One or two minor accidents might not persuade your insurance company to bump up your insurance premiums by a great deal. But continue a pattern of small mishaps and you could find getting car insurance a more difficult, and expensive, process. Some states, in fact, let an insurer cancel policies of drivers who are involved [...]

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A steel company has been fined £500,000 over the death of a worker who fell into hot liquid waste in Port Talbot.

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Autonet Insurance launch new mobile phone optimised site to enhance navigation and useability. Ian Donaldson and Lloyd Morris-Fletcher comment on the new technology and software used

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Extremely toxic drivers, such as those convicted of driving under the influence of drugs or alcohol, may make an exclusion a necessity. (image by seattlepi.com)

As one’s household grows, so too, does their auto insurance policy. While this is a pretty standard and expected occurrence, it’s important for people with an increasing number of licensed drivers under one roof to realize they have options. Should any of their family members threaten their driving reputation and quotes, policyholders have the option to remove and exclude them from their insurance plans, making auto coverage someone else’s problem and responsibility.

Requesting an Exclusion

If you’re a policyholder interested in excluding one or more individuals from your policy, then you need to contact your insurance company and/or agent. Your request will have to be in writing and might also come with additional forms and paperwork, depending on who your insurance company is. It’s also important to note that requesting an exclusion may cause your rates to increase a bit, but some view this cost as a much more affordable expense than the potential damages they might be held accountable for when the dangerous driver(s) in question get in a serious accident or have repeated traffic offenses.

Whom Should I Exclude?

Now that you know how to request an exclusion, it’s important to understand WHO to exclude. You should exclude anyone you see as high-risk, unreliable and irresponsible. Individuals who show no regard for rules and regulations and could care less what happens to your name and record in the process are other obvious options. To help make the choice easier for you, below is a list of three individuals you definitely don’t want on your policy.

Mittens, the Family Cat

While a fluffy, cute member of the family, Mittens also has a wild side with which you are all too familiar. She is open about her late-night romps with her neighborhood friends, often coming home as the sun rises. She’s practically nocturnal! Those crazy hours coupled with her sassy attitude are a recipe for disaster for you and your record, so nip this problem in the bud while you still can — before Mittens brings you down with her.

Your Six-year-old Who’s Going on Sixteen

Six-year-old Ben is your pride and joy. He’s cute and sweet, but let’s be honest — the boy is growing up too fast. Rather than run the risk of him growing up, stealing your car and running away, it’s probably best to exclude him from your policy to keep that from happening. You might not be able to stop him from physically growing, but you will darn sure try to stop him from leaving you!

The Neighbor Next Door Who Thinks He’s ALWAYS Welcome

Sure you let him borrow a cup a sugar once, but does that really warrant unannounced pop-ins or the dreaded ‘surprise I was waiting for you to get home from work’ visit? The answer is obviously no, but that doesn’t stop your too-close-for-comfort neighbor from doing just that and more. A sweet, eager individual with no concept of social norms, this neighbor is here so often you’re worried he thinks he’s actually a part of the family. While you technically shouldn’t have to cover him on your insurance, the lines that surround your whole relationship — and evidently your property— have been blurred. So, just to be on the safe side, you better exclude him. Who knows, maybe one day he’ll get really comfortable and decide to take your car for a spin and get locked up for grand theft auto — maybe then at least you’ll get to cook in peace again!

Reality Check

Obviously, these examples of potential exclusions are extreme and ridiculous, but that’s just the point. Auto insurance exclusions are a serious issue that should be treated as such. They shouldn’t be added to policies willy-nilly and on a whim, but rather after serious thought and consideration has been given to the situation. It can be a pricey and potentially lengthy process that should only be implemented after you have determined there is no other feasible option.

You should only opt to exclude drivers with repeated violations such as driving under the influence of alcohol or drugs, speeding or any other behavior that shows a disregard for the law. It’s also important to note that exclusions can also apply to non-related roommates. Depending on your policy and location, it might be a smart idea to exclude any irresponsible roommates you might have, should they try to drive your vehicle without permission and thus endanger your reputation and record.

We do hope you’re never presented with having to exclude a family member from your auto policy. Keep in mind, it’s only advisable when the said-driver is extremely toxic. Most of the time, excluding a single driver will only lead to higher rates for everyone involved.

You’ll know they are a real risk if they cause you to be subjected to higher rates, or worse, put you in danger of losing your coverage altogether — those are costly expenses worth the fees that come along with an exclusion.

If you are seriously considering opting for an exclusion, talk with your insurer to explore all of your options and alternatives. They should help point you in the right direction for your future.

The post Everything You Need to Know About Excluding People From Auto Insurance appeared first on CarInsurance.org.

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Your approach to investing shifts as you get older. Find out how risk plays a part.

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The following FTSE 100 companies will go ex-dividend on Thursday, after which investors will no longer qualify for the latest dividend payout. According to Reuters calculations at current market prices, ...

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You can lend yourself money from your retirement account, but there are limits.

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Inflation down across the board, however over a longer time frame, the over 50s have seen a greater increase in living costs.

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Hear about next eggs and Easter eggs as guests discuss municipal bonds and holiday sales.

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To mark Obamacare's fifth anniversary, feds celebrate the largest expansion of health insurance in four decades

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Thursday 30 April 2015

Mistake #1. Letting your car run idle to heat up in the morning.

Mistake #2. Leaving your car parked with a low tank of gas.

Mistake #3. Using hot water to remedy icy windshields.

Mistake #4. Neglecting your tire pressure.

Mistake #1. Letting your car run idle to heat up in the morning.

Mistake #2. Leaving your car parked with a low tank of gas.

Mistake #3. Using hot water to remedy icy windshields.

Mistake #4. Neglecting your tire pressure.

Wednesday 29 April 2015

Tuesday 28 April 2015

Monday 27 April 2015

Sunday 26 April 2015

Saturday 25 April 2015

Friday 24 April 2015

Thursday 23 April 2015

Wednesday 22 April 2015

Tuesday 21 April 2015

Monday 20 April 2015

Sunday 19 April 2015

Saturday 18 April 2015

Friday 17 April 2015

Thursday 16 April 2015

Wednesday 15 April 2015

Tuesday 14 April 2015

Monday 13 April 2015

Sunday 12 April 2015

Requesting an Exclusion

Whom Should I Exclude?

Mittens, the Family Cat

Your Six-year-old Who’s Going on Sixteen

The Neighbor Next Door Who Thinks He’s ALWAYS Welcome

Reality Check

Saturday 11 April 2015

Friday 10 April 2015