Cheap Van insurance Tips And Tricks: June 2015

Monday 22 June 2015

How to save money on groceries

We asked thousands of Which? members how they cut the cost of their grocery shopping. Here's a selection of their best ideas.

4 reasons to love annuities

Even if a millennial has a long way to go to retirement, an annuity can still make sense.

Sunday 21 June 2015

Florida has big card skimmer woes

Time for some basics on debit and credit card use.

Warning: Don’t fall for fake DVLA email

The DVLA has warned that there is a scam email in circulation and that anyone receiving an email which appears to be from the DVLA requesting personal information should ignore it.

With a link to a fake DVLA data input form, this email suggests that any driver failing to give this information will be required to re-take their driving test. The DVLA has spoken out in warning against this, reminding drivers that they would never request these details online- and that drivers who do input these details could become the victims of identity fraud.

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Cash Isa deals of the week 4 June 2015

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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Saturday 20 June 2015

Autonet Charity Event Is Set To Score A Bullseye

Autonet Insurance are hosting a charity darts evening in aid of the Donna-Louise Trust on the 14th August at the Moat House, Stoke. This event is the first of its kind for Autonet and the Staffordshire based firm are excited to be hosting this stand-out event.

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Everything You Need to Know About Excluding People From Auto Insurance

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.

Driverless cars: 6 firms on the cutting edge

The technology is real, but a self-driving car in every garage is still at least a decade away.

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Friday 19 June 2015

Some used car prices declining

While prices of used cars are higher on average, some used car prices are actually on the decline, according to Edmunds.com.

Autonet Insurance raise over £28,000 for charity in 2013

Autonet Insurance is pleased to announce that £28,000 has been raised throughout 2013 to help charitable causes both nationally and locally.

Check Out These 4 Explosive Income Plays: Admiral Group plc, Imperial Tobacco Group PLC, National Grid plc And Tullett Prebon Plc

Royston Wild explains why clever investors are stocking up on Admiral Group plc (LON: ADM), Imperial Tobacco Group PLC (LON: IMT), National Grid plc (LON: NG) and Tullett Prebon Plc (LON: TLPR).

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Thursday 18 June 2015

Worker badly hurt in pipe accident

A worker suffered serious injuries after being struck by a pipe and falling from a stepladder, a court has heard.

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Stop low-tech ID theft: Keep your financial paperwork safe

Think you're most vulnerable to ID theft when you're online? Think again.

Medicaid: It matters where you retire

For people who plan to rely on Medicaid for long-term care, knowing the differences in the states' coverages may be a factor in deciding where they want to live in retirement.

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Wednesday 17 June 2015

Investment firm founder fined record £75m by FCA after Keydata collapse

Stewart Ford, who through Keydata created a £2.8bn financial empire selling ‘death bonds’, appealing against the fine by the City regulator

A financier has been hit with a record £75m fine after the collapse of his business left investors nursing losses of hundreds of millions of pounds.

The fine levied on Stewart Ford, founder of collapsed company Keydata, is nearly twenty times the previous highest fine against an individual, by the city regulator, the Financial Conduct Authority. The watchdog also fined the firm’s sales director £4m and the compliance officer a further £200,000 and banned the trio from working in financial services again.

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Autonet Insurance sponsor Kicks 5 A Side World Cup

Autonet Insurance is pleased to announce the sponsorship of 4 teams in the Kicks 5 A Side World Cup Tournament.

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Banks face bigger PPI mis-selling bill as regulator considers compensation rules

Financial Conduct Authority statement means more customers could be eligible for payout because of supreme court ruling on commissions

Banks could face a bigger bill for mis-selling payment protection insurance after the City regulator said it was considering new rules on how customers should be compensated.

The Financial Conduct Authority statement means more customers could be eligible for compensation because of a supreme court decision. The court ruled in November that if a PPI seller failed to disclose to a customer that it had received a large commission from the product provider, the sale was unfair under the 1974 Consumer Credit Act.

Tuesday 16 June 2015

Retirement planning in Rochester, Minnesota

On the lookout for tips on retirement planning in Rochester, MN? Raise your strategy and let our site do the work for you. Use our tools, calculators and guidelines to satisfy all your retirement planning needs. Consider investing in a money market account as a safe and secure vehicle for retirement planning in Rochester, MN.
Check out our money market account comparison tools

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Subaru helps boost Meals On Wheels

With the U.S. senior population growing dramatically, the non-profit Meals on Wheels program has found itself short of volunteer drivers to make their deliveries.

Mobile app review: Ally Assist

This virtual assistant can help users pay bills, make transfers and identify spending patterns.

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Monday 15 June 2015

Warning: Don’t fall for fake DVLA email

The DVLA has warned that there is a scam email in circulation and that anyone receiving an email which appears to be from the DVLA requesting personal information should ignore it.

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Selecting Smart Auto Insurance Premiums

Auto insurance premiums do not have to be incredibly expensive if you know how to choose them. Smart auto insurance purchases provide you with the coverage you need without requiring that you pay for anything you will never use. Only Pay for What you Need Begin shopping for auto insurance premiums based on the legal [...]

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London midday: Stocks knocked lower by Greek worries, Chinese data

London stocks registered early gains although traders were still treading cautiously given the delicate state of the negotiations between Greece and its creditors.

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Sunday 14 June 2015

Aviva plc, Legal & General Group Plc And Prudential plc All Deserve A Place In Your Portfolio

Prudential plc (LON: PRU), Legal & General Group Plc (LON: LGEN) and Aviva plc (LON: AV) are all strong businesses that look after investors.

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.

zinc ore crushing plant for sale

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Saturday 13 June 2015

British investor LGIM says quarterly reporting not necessary

Legal & General Investment Management, one of the largest investors in listed British companies, said it supported recent rule changes that remove the need for companies to report on a quarterly basis. ...

7 financial scams that target seniors

Fraudsters prey on retirees. Watch out for these scams to avoid being victimized.

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TSB sell-off dents Lloyds profits

Bank takes £745m hit on branch sale but shares rise after announcement of no further provision for PPI compensation

Lloyds Banking Group has taken a £745m hit from its TSB branch network, denting profits at the bailed-out bank in the first three months of the year.

But shares in the bank jumped more than 7% to above 83p as analysts considered whether to upgrade their profit and dividend forecasts.

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Friday 12 June 2015

Top Four Van Insurance Coverage Cash Saving Suggestions

Everybody likes to avoid wasting cash, particularly in the current economic situation. Consider it or not, one place you possibly can be saving is on your insurance coverage on your van. Obtaining the appropriate insurance coverage is imperative as it protects you as well as your van against many dangers, not to point out that it is compulsory legally inside the UK. This means that you have to have insurance coverage, but it does not mean it's important to pay a excessive quote. You'll find affordable deals, however it's important to know easy methods to deal with the purchase of your insurance coverage. This is a short look at a few wonderful cash saving tips you should use as you search for a terrific package when insuring your new van.

1 - Spend Time Shopping All around At the beginning, if you wish to save money on your van insurance coverage, you are going to spend some time in buying around. It does not have to take a lot time though. The internet has made comparison purchasing simpler more than ever. All you must do is jump online, visit some comparability websites on the net, fill out a quick form and you may be evaluating rates quickly. Just be certain that you all the time have a look at more than the cost. Obtaining the proper cover can also be important, so evaluate core features and price for the perfect throughout deal for your needs.

2- Lower Your Rates with a Greater Voluntary Excess Another approach though which it can save you and lower your rates is to go along with a better voluntary excess. It's a quite simple rule of thumb to recall. The higher the voluntary excess you choose, lower the premium on the insurance is going to be for you. Merely raising the voluntary excess by several pounds could make a huge difference. Work out precisely what you'll be able to afford to pay as voluntary excess. You should go along with it option to make sure you save much on your van insurance coverage premiums.

3 - Don't Permit Your Insurance coverage to Lapse Don't enable your insurance to lapse if you want to save some money with your van insurance. If you happen to find yourself allowing the policy to lapse, insurance companies are going to take a look at you as a huge risk. They could even assume that you are somebody that's irresponsible. In lots of circumstances you will end up paying more for the insurance coverage you want, if you have left your insurance coverage on the van to expire. Make sure you preserve your policy going, even when you have to go along with a short time period choice, while looking for one of the best long run policy for your needs.

4 - Search for Any type of Attainable Discounts Just remember to look for any potential bargains. Many individuals do not understand how many discounts are available and they never assume to search for them or ask about them. Economizing a little occasionally with reductions can really add as much as a nice financial savings in your policy. There are discounts for buying on-line, discounts for a number of insurance policies, safe driving reductions, discounts for security devices and more.

Ask about discounts available and attempt to get each discount that you simply can get. The more discounts you get, the more you'll spend less on your insurance for van. In a nutshell, these are very effective ways for reducing one's van insurance premium to obtain that elusive cheap van insurance everyone's talking about. There are also great ways to find affordable tool insurance, compare van insurance quote, check and compare 1st central car insurance with van insurance comparison, one day van insurance and many more

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Saving Money On Your Temporary Van Insurance Premium

The utilization of long term cheap van insurance policy is really so popular amongst everyone using their van on a long term basis. On the other hand, not every individual is aware of how abundant they can save for their premiums when they basically utilize their van on limited time period basis primarily.

You could need a short term van insurance coverage that ranges from 1 day van insurance coverage to 28 days van insurance policy if your van usage is meant for short term use only. Another fantastic way to save on your premiums is the choice to choose whether or not you need a business cover or just a personal cover. So, why spend money for a protection plan that covers you all year when you only need coverage for a short while?

You can certainly save a huge amount of money once you go along with personal van insurance for forty eight hours Get up to 36 quotes here- http://www.cheapestvaninsurance.org/

Specifically Tailored For Businesses in Need of Short Term Van Insurance Cover

Business owners often look for van insurance coverage without actually knowing how much money they could save on short term van insurance coverage when they use their van on very short periods. Keeping a van insured all year round can be expensive especially when you do not use it all the time, but when you choose a temporary van insurance, you're guaranteed to save money instead of paying for a policy that you do not need.

Suitable for Short Breaks and Vacations with Family Members

You'll discover that having private van insurance is an ideal solution for your short term use of your van on vacations and holidays with your loved ones and close friends as well. While you may never use your van on a day to day basis, if you are going on a vacation, you may want to take a van since it has more room in it. However, if this scenario is true then there is no doubt you will not be needing an insurance policy of some sort. So a short term van insurance cover would be ideal for you.
Try not to go on your vacation without adequate van insurance cover that will protect you while you're gone.

Quick and Easily Obtainable

You'll also come across that private van insurance for 48 hours is simple and fast to have. Within a few minutes you can easily receive the policy you need online or on the web, In concluding, if you have a van you seldom make use of throughout the year, then you will need to buy a short-term van insurance policy that should cover you for the period. You can also obtain one day van insurance up to 28 days van insurance cover here- http://www.cheapestvaninsurance.org/one-day-van-insurance.html

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Do You Want To Pay Cheaper Premium On Your Van Insurance Policy?

Investing in vans or similar vehicles has resulted in many businesses doubling or even tripling their profits because of the role these vehicles play. A current and valid insurance policy is a must have for all vehicles including vans irrespective of their shape, sizes and purpose of use.

Getting the right insurance coverage for a van can become extremely expensive for businesses, especially those requiring fleet insurance for their numerous vans. 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.

Irrespective of your situation, searching for a new van insurance policy for your new van or perhaps, wanting to renew your existing policy, doing a little research can save you time and money on the long run. In this day and age, the way we search for information has been greatly influenced by the advent of the internet, and so provide the best place to begin your search for the least expensive van insurance quotes.

The Internet is a Good Starting Point For Your Van Insurance Research

Going through scores of different van insurance quotes manually is the perfect way to waste your time and money. Over the last decade comparison websites have sprung up to help you compare insurance quotes fast and saving you money on your premiums, use them!. All you need to do: fill out a simple form with your correct details on the comparison website then get lots of quotes from different insurers within seconds.

Although not all offer that;s guaranteed to meet your particular budget expectation, you will discover that some insurers are in a much better position to offer your desired level of cover at an incredibly reduced premium. After picking your ideal quote, it pays to always consult the insurer to confirm a detail or two about your chosen policy before committing to the insurance quote on offer.

While the internet is an ideal starting point for uncovering that elusive low cost van insurance premium, you also need to be prepared to contact your insurer to see what deal is available. It’s an ideal opportunity for you to determine what is contained within the policy you’re buying and what is not in it. Upon providing your new or amended details to the insurer after the initial quote, they may now use the new information to revise their previous quote which could even become cheaper still.- http://www.cheapestvaninsurance.org/

Call Up Your New Insurers To Discuss The Policy

Insurance for van is a little more of a specialist type of cover than car or even home insurance. Unfortunately, not all insurers can provide cover, in particular competitive premiums. Many a times, we avoid trying newer things instead, we stick with what we’ve been accustomed to, like getting quotes from the same insurer we’ve been with for ages . However, if you’re serious about reducing your premium you must to go the extra mile.

No matter how contented you may be with your current premium or insurer, it still pays to shop around to get even better bargain. Irrespective of the manner you search for a cheaper deal, using van insurance comparison sites or approaching individual insurers directly or through their websites, discovering discount quotes can be pretty straight forward.

If you are able to source a cheaper quote you can use that information to approach your current insurers (or indeed any others that you’re interested in) and discuss their competitor’s sites. 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.

Confirming Your Policy

At this critical stage before your policy acceptance, you will be in a better position to figure out what’s best to retain or discard with your policy in order to keep your premium at a low. Typically, insurers would like to cross sell you on other insurance packages like legal expenses cover, personal injury cover, European cover and lots more. But, there isn’t any point buying any of these package when you really do not need them.

A policy thoroughly examined to strip of any unwanted extras and left with only the primary cover and protection needed. Don’t go increasing your level of excess by an insane amount, just make sure you aren’t paying for unwanted add- on. Getting rid of all the unwanted optional extras from your policy will help you save loads.

The bottom line though is when it comes to reducing van insurance premium you’ll need to be prepared to do some work. Whether that’s researching alternative providers online or phoning your current insurer to see if they can remove any unnecessary baggage, there are plenty of options to help you get the right result.

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Thursday 11 June 2015

Top Four Van Insurance Coverage Cash Saving Suggestions

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New Issue- Prudential prices 600 mln stg 2055 bond

Following are terms and conditions of a bond priced on Tuesday. Borrower Prudential PLC Issue Amount 600 million sterling Maturity Date July 20, 2055 Coupon 5.0 pct Reoffer price 98.918 Yield 5.087 pct ...

Dartford crossing toll booths to be replaced

Motorists using the Dartford Crossing will be forced to pay online, over the phone or in registered retailers from 30 November with payment booths ousted.

Work will begin to remove the payment booths two days before the introduction of the scheme that will use similar technology to the London Congestion Charge system.

Automatic Number Plate Recognition (ANPR) cameras will police the system, monitoring and recording vehicles to see whether or not the new £2.50 charge has been paid.

The cost for using the Dartford crossing has risen by 50p and riders will be penalised if they do not pay the revised fee.

According to the Highways Agency, those who do not pay the fee before midnight of the following day run the risk of a maximum fine of £105 after 28 days.

The system will be in place in both directions, including the Queen Elizabeth bridge and the tunnels taking traffic north, however the crossing will remain free to use between 10pm and 6am.

The wholesale changes have been introduced to combat persistent congestion and delays at the tollbooths, which has plagued the Dartford Crossing since it was opened in 1963.

Around 170,000 vehicles use the crossing each day, adding up to 50 million vehicles per annum.

And the new Dart Charge system is part of a large-scale attempt to improve the crossing and traffic on it and the surrounding roads.

However delays are expected to continue whilst comprehensive improvements are made to the road system, including cutting 27 lanes of traffic to just four in each direction.

Road works are expected to be on going until Spring 2015 with temporary speed limits and layouts in place until then.