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Car Insurance

Don’t wait to buy your car before checking car insurance quotes

It tends to be the case that people will only start looking up car insurance quotes after buying a vehicle. However, what most people don’t realise is that it’s actually in their interest to have different providers in mind before they part with their cash. This is something to consider if you’re in the market for a new motor but want to have a clear picture of how much you could be spending on car insurance. Let’s look at three reasons why you shouldn’t wait to buy a car before checking car insurance.

Budget

You’ll have a much better idea of how much you can spend on your car if you know roughly how much it will cost for car insurance. Take, for instance, if you can find a provider that will provide save money car insurance for you. Once you’ve got this knowledge, you should then have a much better idea of your budget. It could even mean that you’re potentially able to go for a newer or better-conditioned model.

Categories

You might think that the price of your car insurance will largely depend on such things as your age and experience. However, the sum of your insurance can also depend greatly on the type of vehicle you choose. Cars fall into different insurance categories depending on details such as the make, model and engine size. Once you find a car, you should compare different insurance quotes to check how much your desired vehicle affects the price.

Speed

The process of buying a car will run much smoother if you’ve priced up the insurance before purchasing the vehicle. In some cases, you can simply accept a pre-existing quote before driving off the forecourt. This should mean that you can start enjoying the open road as soon as you’ve got a car rather than only then having to start your search for cheap car insurance.

It starts now!

You can start checking out the price of car insurance by using Compare Insurance. This should help you to narrow down any vehicles that you might be choosing between and ensure that you’re good to go from the moment you’re the owner of the car.

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Travel Insurance

Three ways your holiday health problems could start on the flight

The average person manages to steer clear of accidents or illnesses on a normal day. This is, of course, why so many believe that they can do the same on holiday. Unfortunately, travellers tend to put themselves in more risky situations when taking a vacation – and it all starts with the flight. If you’re travelling by plane, you should know that there’s an instant threat to your health from the moment you board. Let’s look at three ways your health could take a hit during a flight.

Respiration

You open yourself up to a range of health problems from the moment you step foot into a cabin. In fact, the term ‘aerotoxic syndrome’ is readily used to describe the conditions that people are faced with during a flight. In most cases, you are more likely to suffer from a range of respiratory problems. These can be short and uncomfortable, but they can also develop into larger medical problems in the days and weeks after the flight.

Ears

The change in pressure causes many flyers to experience varying degrees of pain when the flight is both descending and ascending. While for most this is short-lived, for others it’s just the start. If an eardrum ruptures, there can be bleeding or the leaking of fluid. There’s also increased likelihood of an ear infection, especially if flyers touch the affected area either during or after the flight.

Rest

You can experience a possible disruption to your sleeping routine when you fly, especially during long-haul flights or during flights where you cross time zones. The end result can be that – as well as feeling stiff and achy when you get off the flight – you’re also lacking energy. When your body isn’t well-rested, it’s less able to fight off any illnesses that it might come into contact with.

Stay safe!

The best way to stay safe on holiday is to ensure that you’re adequately covered. You can do this by finding cheap travel insurance at Compare Insurance. This will ensure that you don’t need to worry about whatever health hazards the flight could throw at you.

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Health Insurance

A quick guide to health insurance in the UAE

Although UAE healthcare is free for all citizens, expats working in the Emirates often struggle to meet medical costs, particularly dental charges; so much so that many expats prefer to fly back to their country of origin for any kind of dental treatment. What’s more, UAE citizens and expats alike find it difficult to access the specialist and high tech services available at Dubai Healthcare City without medical insurances. Although all employers are legally obliged to provide health insurances, the cover provided may not be adequate and does not cover family members and dependents.

If you’re considering taking out private medical insurance in the UAE, there are lots of different things to consider. First off, you’ll need to decide whether to take out a fully underwritten health insurance plan or opt for a moratorium plan.

What’s the difference between moratorium health cover and fully underwritten health insurance?

The main difference between the two policies is that fully underwritten health insurance requires you to provide your insurer with your entire medical history – this choice can work out cheaper over the long term and may offer far more medical insurance than a moratorium policy. Here in the UAE, a fully comprehensive insurance of this nature can be the best way for speedy access to more specialist, private healthcare.

With a moratorium policy, you simply need to complete a questionnaire, giving a limited amount of detail to your chosen insurer. This can be a much simpler way to insure your health, but it may not offer the extensive coverage you’d acquire with fully underwritten insurance. The choice between the two comes down to your budget and own health history.

Specialist health insurance

You can also opt for specialist medical insurance, which simply covers against certain treatments or in specific criteria. Examples include medical insurance for over 50s and medical insurance for specific conditions. This type of insurance can help you to compile the medical coverage you need, while also relying on any free services in your locality for any other medical conditions. One major benefit of specialist medical insurance is that it can help you skip the queues for a range of treatments and diagnostic tests, such as CT scans, knee or hip replacement surgery, and cataract surgery.

What does private health insurance cover?

You’ve probably already recognised that different private health insurance policies offer varying service models. You can rely on most policies to cover you for inpatient care at any time you need to overnight in a hospital setting. Although outpatient treatments also tend to be covered by most policies, the amounts that can be claimed back are very different as caps are often in place.

In addition, some insurance policies cover the costs of drugs that are not readily available locally, and may also provide some cover for psychiatric care. If you already have a pre-existing medical condition, your insurance premiums will be impacted, although it is still possible to source the policy you need.

Check out Compare Insurance now to discover the wide range of policies available in the UAE and worldwide.

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Car Insurance

4 things to remember when shopping for company car insurance

Everyone knows the many benefits of personal car insurance, but a rising number of people do not understand the importance of sourcing company car insurance for their business vehicles and how exactly it works.

Company cars are becoming increasingly more common, with many different companies offering them as a bonus and benefit of working for them. There are many different types of business car coverage so it can be hard to understand just what’s best for you and your company vehicle. Follow these tips to ensure you have the cheapest and best coverage.

1. Figure out what type of insurance you need

Business car insurance typically falls into 3 different varieties, these are:

Business use for one person – This is the best type of insurance for small companies where the only driver will be the company owner. It’s typically used by sale’s people and small business owners.

Business for multiple employees – This is similar to the previous entry but with the added bonus that multiple employees can use the vehicle.

Business travelling insurance – This type of insurance works best for those who frequently travel as a part of their job.

2. Shop around

There are many different insurance providers who all offer similar types of insurance for your company car. To ensure you have the best possible insurance it’s best to shop around and see what several different providers offer. It might also help to have a look on some insurance comparison sites. These sites compare various providers so you don’t have to.

3. Consider the car you’ll be using

The price of company car insurance, just like normal personal car insurance, is highly influenced by the particular type of vehicle being insured. Typically, modern cars are cheaper to insure as they are safer and also easier to repair in case of an accident. There are also further ways to reduce the cost of insurance, including installing: steering wheel locks, tracking devices and immobilisers.

4. Where you park is important

The price can also be influenced by where the vehicle is parked. This is especially important for company cars. If a car can be stored in a covered and locked garage then the average cost of insurance will see a significant decrease.

To ensure you have the cheapest insurance for your company car use Compare Insurance. Check out the site for more information on how to get the best deal for your company car insurance.

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Car Insurance

Why it’s important young drivers find cheap car insurance

It’s always handy to secure cheap car insurance. However, there are additional benefits for those who are young drivers. This includes those who might have only just learned to drive and are looking to get out on the road for the first time. In particular, many teenagers would fall into this category. Let’s look at why it’s so important for young drivers to find cheap car insurance.

Staying responsible

Sadly, expensive car insurance only increases the likelihood that young drivers might neglect their responsibilities as a car driver. After forking out so much on the insurance, modifications – such as having the car serviced and keeping in a good condition – might fall on the backburner. This is a terrible habit for young drivers to fall into, especially since it risks the safety of other road-users – not to mention their own safety too! Meanwhile, cheap car insurance allows them the ability to stay responsible and keep their car in great condition.

Gaining experience

Car insurance is the first hurdle that young drivers have to jump before getting onto the open road. Therefore, it doesn’t bode well if they end up paying an unnecessarily extortionate amount. The cost might reduce their ability to be able to run the car because they can’t afford fuel. In the long-term, this means that they aren’t able to get the continued experience that will make them better drivers and less likely to be in an accident.

Financial stability

More expensive car insurance providers won’t just leave young drivers with a hole in their bank accounts but also risk thrusting them into a position of financial instability. Of course, this comes at a time in their lives when a lack of money might be particularly restrictive for their future – including taking certain jobs and pursuing educational opportunities. Of course, these are unnecessary sacrifices to make when you consider that it is possible to obtain cheap car insurance.

What can you do?

The most effective way to secure cheap car insurance is by using Compare Insurance. This service can benefit all road-users – from more experienced drivers to those new to life behind the wheel. Check out our site for more information.

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Categories
Travel Insurance

3 surprising reasons why foodie-travellers need travel insurance

The prospect of enjoying foreign cuisine for a week or two is often a major reason why people choose to go abroad. Unfortunately, eating during your vacation is nowhere near as safe as when you’re eating at home. In fact, your new dining habits could actually make you ill on holiday – which is just one of the reasons why you need travel insurance. Let’s take a look at how what you eat – and don’t eat – could have an effect on your health when you’re on holiday.

Appetite

You’re actually more likely to lose your appetite when you’re on holiday – even when faced with some delicious delights. The pattern of travelling, adjusting to a new time-zone and adapting to different weather can cause appetite-quelling gastrointestinal issues. This can make you feel poorly in itself, but the real strain on your body occurs when it is deprived of the energy that comes from food. You’ll ultimately end up with a weaker immune system that makes you more susceptible to illness.

Over-eating

If you don’t lose your appetite you might well find that you can’t quite control what you eat. After all, you’re on holiday – who cares how much you have for dinner? Unfortunately, if you eat more than you usually would you could develop health problems as a result. This is largely down to the fact that there will be increased blood flow to your intestines, meaning other body parts – such as the brain – can only access a reduced amount. This could make you become lethargic and reduce your body’s ability to defend itself against illness.

Shock

You can inadvertently shock your body when you switch up your dining habits. This is particularly true when the food you’re eating is sourced and prepared differently to what you’re used to at home. You could feel under the weather and perhaps suffer from digestive issues. Over time this might escalate further, increasing your chances of developing further illnesses while you’re on holiday.

Be safe

It’s not a question of avoiding going abroad in case you fall ill. Instead, it’s just about making sure you’re covered in the event that you do require medical assistance. Therefore, before you go away you should be sure to find a cheap travel insurance quote by visiting Compare Insurance.

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Car Insurance

3 surprising ways cheap car insurance can make you LESS likely to have an accident

There’s something very exciting about the prospect of finding cheap car insurance quotes. After all, who doesn’t love the idea of being able to safely run a vehicle and have a little extra cash in their pocket? However, the perks of cheap auto insurance actually stretch much further than just saving money. Instead, the fact that you’ve got it can actually make you less likely to have an accident in future. You might well ask: how is this possible? Well, let’s look at three thee ways cheap insurance can assist you in staying safe on the road.

Relaxation

The fact that you’ve managed to get your hands on comprehensive car insurance will be just another reason why you’ll be able to fully relax on the road. This is because you’ll be able to appreciate the joys of driving – rather than constantly worry about how much it’s costing you. Don’t forget, the more you’re able to relax and focus solely on the road means the less likely you are to lose your concentration and be in an accident.

Motivation

Sometimes there’s just no better motivation to drive safely than wanting to keep the cost of your car insurance down. Of course, if you’ve managed to get your hands on cheap insurance then you’ll know just how amazing it feels to have it – and this will just be added motivation to be extra safe on the road so that you can keep paying the same amount – or less – in future. Here are three reasons cheap car insurance can actually make you less likely to have an accident.

Updates

Due to the fact that you’ll have more money in the bank, you should find that you’re more financially equipped to make modifications to your car when necessary. This might be by having air routinely pumped into your tyres or by updating your brake pads when they start to deteriorate. It might seem obvious that you should be investing in these things anyway, but such features often fall on the back-burner when drivers have forked out huge amounts for car insurance.

Let us help

You can find compare car insurance by using Compare Insurance. Be sure to use our service to see the difference between providers and the competitive rates they offer.

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Travel Insurance

Here’s why you still need travel insurance for laidback beach holidays

A sun-soaked week on the beach sounds like paradise for most people. However, the fact that you don’t intend to do much more than just bask in the glorious weather and enjoy the ocean isn’t a reason to go without travel insurance. It is, of course, essential that you are fully covered. You might well ask: what’s the worst that could happen during a beach holiday? Let’s have a look at three reasons why you still need travel insurance even for a laidback beach vacation.

Health

You’re still susceptible to a wide range of health problems even when you’re just lying in the sun. Take, for instance, sunburn. You can actually sustain third-degree burns if you don’t wear the right sun lotion or if your chosen brand fails you. This is one of the more obvious ailments, but there are also other illnesses, such as heat stroke, which can require you to seek expensive medical attention.

Injury

Never forget that you don’t even have to be acting carelessly or recklessly to sustain an injury while enjoying a beach holiday. You could twist your ankle walking in the sand or cut your foot while entering the ocean. These are just two of the mishaps that, through no fault of your own, could cause you to require medical attention and possibly face huge bills if you don’t have travel insurance.

Cancellation

Travel insurance doesn’t just cover you for accidents and injuries. Instead, it can also cover you for any cancellations or delays that might have an adverse effect on your holiday. This could happen if your flight is cancelled at the end of your beach holiday. It’s possible that you could incur a number of costs as a result, including accommodation and necessities like food and drink. The right travel insurance can help you recover some of these costs.

Choose carefully

You have a variety of health insurance providers to choose from before going on your beach getaway, so be sure to weigh up the differences between them all by using Compare Insurance. This will ensure that you can find one for the right price and to cover your individual needs.

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Travel Insurance

3 secret ways travel insurance will improve your holiday

The average holiday can cost anything from a couple of hundred pounds to a few thousand. The travel insurance that goes alongside it – while just a drop in the ocean by comparison – can admittedly feel like a bitter cost to swallow on top of it all. It is, however, vital that you take it out. This isn’t just because it will cover you in the event of an accident or incident, but also because it will actually help you to enjoy your holiday more. Here are three reasons why holidays with travel insurance are more fun.

Peace of mind

It can feel like a huge weight on your shoulders if you go abroad without travel insurance. There will be a constant awareness that you’re just one mishap away from possibly amassing huge medical bills. On the other hand, you’ll have much more peace of mind once you’re covered. This will assist you with kicking-back, relaxing and fully enjoying your trip.

Greater freedom

You can live [a bit more] on the wild side if you have travel insurance. This doesn’t mean that you should go diving with sharks or jumping out of planes, but instead more simple activities – such as ice-skating or playing sports – can remain a feasible way to have fun while you’re away. After all, any injuries that you might sustain will be covered.

Reduced escalation

You can nip problems in the bud from the moment they arise if you have travel insurance. Take, for instance, if you somehow cut your skin. If you don’t seek medical attention because you’re worried about the cost then the issue could escalate. The wound could become infected or just generally dampen your enjoyment of the holiday. Meanwhile, with travel insurance, you can have it looked at before happily getting on with the rest of your holiday.

Where can you get travel insurance?

You can weigh up the differences between various travel insurance providers by using Compare Insurance. This will ensure that you can find cheap holiday insurance that suits your individual needs and comes at a price that’s suitable for you.

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Categories
Health Insurance

Factors to consider when shopping for health insurance

In this day and age, medical insurance is a basic need. In most countries, a trip to the hospital can really set you back financially. Buying health insurance, especially if you have a family, can be an uphill task. Here are some important factors to consider before purchasing any package.

Claim process

This is probably one of the most important things to look for when shopping for insurance. Some companies take forever to process your claim and your settlement. What good is an insurance package if you cannot use it when you need it? When it comes to selecting a health insurance company, the faster the better.

Family health insurance

If you have a family, you should select a more inclusive package. Your family medical history, as well as any present ailments, should be put into consideration. If one of your family members suffers from a disease that requires frequent trips to the hospital, I recommend taking a personal health care plan for them so that the family insurance policy does not become too expensive.

Network hospitals

When buying insurance, always check the insurance company’s network of cashless hospitals. You should check which company has the highest number of hospitals closest to you in their policy. Cashless hospitals also ensure that you are able to receive the best medical care possible without worrying about the bill. All your medical expenses are billed directly to the insurance company.

Look out for treatment-wise limits and co-pays

Some insurance companies limit the amount you can claim for diseases such as cataracts. Treatment-wise limits cap your claim regardless of the amount of money you have insured under the policy. Also, make sure you check the insurance policy co-pay. Co-pay is a standard amount of the bill that you have to pay on your own anytime you make a claim.

Coverage amount

Health insurance does not come cheap. Before deciding on the coverage amount you want to spend, think about your long-term health costs. Your co-pay ratio, your deductibles, monthly premiums, and coverage amount should help you make the decision. Make sure not to spend too much or too little when it comes to health insurance. If unsure of how much you should pay, visit our website for more information.

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