Insurance Articles
Everyday insurance – essential cover
Posted by admin - 30/11/09 at 10:11:04 amThe Sunday Telegraph has recently published an article focusing on the importance of making sure you have appropriate insurance.
The article makes the point that insurance in everyday life cannot be avoided. There is some insurance we are compelled to buy, such as compulsory third party cover for cars, and there is other insurance you would be mad not to have, such as cover for homes.
The Sunday Telegraph Article looks at the following instances of insurance;
“AN absolute necessity: most people simply do not have the money to rebuild their homes or replace their contents, if disaster were to strike.
As experts forecast the worst bushfire season in a century, those who live in rural areas cannot afford to do without it. Even in the city, the risks are not worth taking — and there is nothing more heartbreaking than a Christmas burglary.”
“Life cover pays out on death and is essential for those with a family or dependents, who might struggle to get by without the main income.”
The article suggests looking at life insurance to ensure that you have adequate cover for you and your family to get by in the event of a serious accident or illness.
“THIS can be surprisingly cheap and easy to obtain to cover a range of holiday issues, including hospitalisation, lost luggage or travel documents and evacuation.
If you go on holidays with dangerous activities, such as skiing or climbing, make sure these are covered by your policy.
Look out for medical expenses cover in the US, in particular, because the cost of health care there is so high.”
1300 insurance has a range of insurance policies to cover all your everyday insurance needs – made even easier by the fact you can buy online or over the phone with ease.
Source: The Sunday Telegraph, “Playing it safe on insurance is the best policy” November 29, 2009
Insurance Articles
In an emergency, what items would you save?
Posted by admin - 24/11/09 at 07:11:57 amA recent survey has shown that most households would choose to save treasured family artefacts – such as photos and sentimental objects – rather than valuable objects such as electrical goods and jewellery in an emergency.
However, younger generations (18-24) said in the same survey that their laptop computer was their most treasured possession and the item that they would first save in an emergency.
Contents insurance is one way that you can ensure that your replaceable valued items – such as stereo systems, computers, televisions and jewellery – are covered in the unfortunate event of an accident.
Because of the unpredictable nature of events such as fires, floods and major storms, ensuring you have the right home and contents insurance should be a matter of priority for peace of mind.
Review your insurance policy each year and make sure you have an updated estimate of the value of your contents, or if you have completed any renovations which may increase the cost of rebuilding your home. One easy way to calculate your contents value is to think of items room by room for your home and contents insurance policy.
While the survey results show how important our family heirlooms and sentimental objects are to us, one way we can ensure that replaceable valuables are covered is home and contents insurance.
Survey Source: Yahoo Finance.
Insurance Articles
The most common pet operations over $3000.00
Posted by admin - 20/11/09 at 05:11:25 pmIn the world of pets, unfortunately there is no safety net or medicare. If your pet gets ill, you have to take it out of your own pocket.
Pet insurance can be one way to take the stress out of major vet operations. It can provide savings if your pet needs a major operation, but also if it needs to stay in hospital for a while, and can open up previously unaffordable treatment options. As modern medicine has advanced, so has the treatment which is available for our furry friends.
Vet Dr Chris Brown investigated the most expensive Australian pet illnesses, with operations that often exceed $3000.00
1300 insurance has various levels of pet insurance available, all to suit your budget and your desired level of cover.
1300 Insurance also have discounts when you insure multiple pets. We all want the best in care when our family members get ill, and our beloved pets are one of the family.
Source: The Today Show at ninemsn
Insurance Articles
Car insurance and holiday driving
Posted by admin - 20/11/09 at 04:11:23 pmAs the Christmas and Summer holiday period approaches, many Australians will be taking road trips across the country to reach their destinations. It is important for driver and passenger safety that responsible driving practice, including adequate car insurance, is undertaken.
The RTA have made the following suggestions to make sure your road trip is as safe and well prepared as possible;
Check oil, brakes and tyre pressure before setting off on your journey.
Avoid driver fatigue by taking regular breaks and being aware of driver reviver sites.
Be aware that the roads will be busy and adjust your driving style to the traffic conditions. The RTA webpage has a live traffic report on it, which can help you plan your travel route.
Additionally, the following advice on car insurance can be helpful before setting off on a long trip -
Check your car insurance policy and cover is appropriate
Ensure all intended drivers for the trip have been included in the policy
If you are leaving your vehicle at home, make sure it is secure
Paying attention to changing traffic conditions and making sure your car insurance policy is up to date is very important over the summer break. However, 1300 insurance offers differing levels of cover of car insurance that can meet your budget and cover needs, meaning that your insurance costs need not eat into your holiday fun!
Insurance Articles
Home security and home and contents insurance.
Posted by admin - 20/11/09 at 04:11:21 pmHome security and Home and Contents insurance are one very important feature of everyday life in Australia. With the Summer holiday period coming up, many Australians find themselves away from their home, and at greater risk of theft whilst the house is unoccupied.
However, there are valuable tips which can assist in making sure your house is as secure as possible. Of course, preventing and deterring would-be criminals is one of the biggest tips.
Here are a few tips on how you can protect your home and valuables while you’re away.
- Make sure that your doors and windows are locked securely. If you have an alarm, make sure you activate it before leaving the house.
- Ask a friend or neighbour to collect your mail, put your bin out, or turn your house lights on and off while you’re away. Also, stop any newspaper subscriptions or have them collected regularly to prevent them from accumulating at the front door.
- Avoid leaving boxes which had contained expensive items in sight – such as plasma tv boxes or games console boxes.
- Check your home and contents insurance is up to date before you go away.
- Store important documents, expensive jewellery and sentimental items in a safe before you go away.
- Lock away tools and implements that could assist in a break in should they be lying around outside your home.
- Leave blinds and curtains partially opened to give the house a lived in appearance.
Home security and home and contents insurance plays a vital role in assuring you and your family of the security of their precious objects.
Source: Yahoo.com
Insurance Articles
Travelling on a budget – the best value destinations
Posted by admin - 11/11/09 at 10:11:13 pmTravelling overseas is a great experience, but it can often be a large expense. However, there is ways that you can experience some of the world’s great travel with a bit of careful research and planning.
Lonely Planet have recently published a list of 2010’s Best Value destinations, based on their well-travelled experiences.
The 2010 list of Best Value destinations includes -
Iceland
Thailand
London
South Africa
Malaysia
Mexico
India
Bulgaria
Kenya
Las Vegas
With such a widespread list across several continents, there is sure to be a destination to suit your budget and desires.
One key thing to remember when booking a holiday is to ensure you have adequate travel insurance planned. Even when travelling on a budget, travel insurance is a worthwhile investment to make as the costs you can incur by becoming injured overseas can be crippling.
1300 Insurance has travel insurance plans with differing levels of cover, which means you can choose the travel insurance cover which suits your needs and budget, and enjoy your holiday travels without worry!
Insurance Articles
Reviewing your Home and Contents insurance
Posted by admin - 29/10/09 at 09:10:46 pmWith the Australian bushfire season coming up, The Insurance Council of Australia have urged householders to make sure that they have the appropriate insurance cover to avoid the chance of a severe financial loss in the event of a disaster.
Natural disasters are an unfortunate occurence in Australia, and are stressful enough without the added worry of financial difficulty.
The Insurance Council of Australia says that a home and contents insurance policy, appropriate for your circumstances, is an important feature of any risk management plan.
Even if your home is not in an area generally effected by natural disasters, their occurence is enough to remind us all to take a detailed review of our insurance needs and our level of cover.
The Insurance Council of Australia advises taking an inventory of the cost of rebuilding your home and the cost of replacing property items in and outside the home, room-by-room. This should provide an up to date requirement of your home and contents insurance needs.
By staying up to date with your home insurance requirements, you can make sure you’re prepared for any circumstances.
Insurance Articles
Travel Smart – ten tips for travellers
Posted by admin - 23/10/09 at 05:10:06 pmSmart Traveller, the Australian peak information body for Australians travelling overseas, have published a list of ‘Travel Smart’ hints for Australian travellers.
The list highlights the need for well prepared travellers to take out adequate Travel Insurance.
The complete ‘Travel Smart’ List includes;
1. Check travel advice for the destination you will be visiting.
2. Take out appropriate Travel Insurance to cover hospital treatment, medical evacuation and any activities in which you plan to participate.
3. Before travelling overseas, register your contact and travel details online.
4. It goes without saying, but obey the local laws.
5. Check the visas which are required for the country you are visiting or transiting.
6. Check with health professionals for information such as vaccinations.
7. Make sure your passport has a minimum of six months validity.
8. Leave a copy of your travel itinerary with someone at home and keep regularly in touch with your friends and relatives whilst overseas.
9. Make copies of your identification documents and leave them securely with someone at home.
10. Research whether you are regarded as being a National of any country you are about to visit, and the implications this has for travel.
Whilst it may seem that there are many things to co-ordinate before you leave for your destination, lots of these tasks can be done quickly and easily online.
You can notify Smart Traveller of your travel intentions online, keep in touch with friends and family, and process your request for travel insurance online.
Insurance Articles
Life Insurance as part of a financial plan
Posted by admin - 16/10/09 at 03:10:07 pmThe Australian Investments and Security Commission (ASIC) says that having adequate life insurance is an essential part of good financial planning.
Depending on the cover you elect to receive, Life Insurance can cover you and your dependents in the event of death, disability or long term injury. It’s important to consider Life Insurance as part of your financial plan, as it can cover you and your family against possible exposure to financial hardship in an unexpected event.
Through their website, ASIC has offered some of the following tips when looking at life insurance policies.
* Discuss life insurance with your family and partner
* Don’t just insure the highest income earner in your household
* Decide how much cover you need (there are various Life Insurance policies available, all with different levels of cover and cost)
* Read the Product Disclosure Statement carefully, which describes the product, its benefits, and any limitations as well as fees and charges.
Overall, when purchasing a Life Insurance product, it’s important to feel comfortable with the policy you have selected and to be confident that the policy meets your needs.
After all, as with all financial planning, life insurance can be seen as an investment in the future of your loved ones.
Insurance Articles
Your Lifestyle and Your Car Insurance
Posted by admin - 12/10/09 at 06:10:18 pmEver wondered how losing your car would impact on your lifestyle?
The Age Newspaper has recently published research that shows at least 20,000 cars are stolen in Australia every year, and 45,000 are involved in a car crash.
Imagine facing this stress without car insurance, and bearing the unexpected costs without any assistance.
Living without your car; whether it be used for work purposes or recreational, can put a serious dent in your style.
The Age also found that one in 10 cars on Victorian roads are currently uninsured, and stressed the importance in thoroughly researching your car insurance policy.
With the freedom that a car provides to your lifestyle, and the expense that you invest in your cars, it is important to look at a comprehensive and budget-friendly car insurance policy.
1300 Insurance provides car insurance with easy to understand policies, and can assist you in finding the car insurance that meets your budget and your needs.
Source: The Age online, September 9, 2009