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Car Insurance

Your car insurance provider dropped you, now what?

Many policyholders maintain coverage with the same insurer for years without feeling the need to shop around for better options. While there’s nothing wrong with this, what happens when your carrier drops you from your policy without much notice?

First, it’s vital to understand exactly why your car insurance was cancelled to know what you need to do moving forward to get the right coverage.

Why your car insurance dropped you

There’s a wide range of factors that can cause your insurer to drop you. These include:

1. Non-payment of your premium

Car insurance works in the same way as your electricity or cell phone bill. If you don’t pay it, you’re cut off. Some insurers offer a grace period for payment but continued delays will result in carriers cancelling your policy.

2. Fraudulent behaviour

Submitting false information when enrolling for a policy or filing for a claim is frowned upon by insurance companies. The fraud doesn’t have to be elaborate to count. Simply leaving out essential information can lead to policy cancellation.

3. Modifying your car

Making changes to your vehicle, whether functional or cosmetic, without informing your insurer can result in them dropping you.

4. High-risk driver behaviour

If you’re always involved in traffic violations and road accidents, your insurer might drop you as they consider you too high a risk to cover.

What to do after your car insurance drops you

Being dropped from an insurance policy isn’t the end of the road because you do have options. However, never purchase the first option available to you. You may end up getting inadequate coverage or costly premiums.

Instead, compare insurance costs and benefits from different providers to find one that meets your budgetary and driving needs. Don’t operate your vehicle during this time, as you’ll have to pay for damages out of pocket if you get into an accident.

Additionally, be honest on your insurance application as to why you were dropped from coverage. This ensures you can find the best rates and discounts.

Are you ready to find your new insurance provider? If so, browse our site to compare insurance quotes from various carriers and comprehensive auto insurance today.

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Travel Insurance

Travel insurance tips for travelling in a pandemic

The past few months have been difficult for the travel industry and travellers alike, but now that there are signs that the world is once again opening up to travel, you will need to keep up to date with the latest rules on annual travel insurance plans in a post-pandemic world.

Choose your destination carefully

When it comes to travel insurance there is no one-size-fits-all solution, and the destination you choose and the itinerary you opt for will play a considerable role in shaping how much travel insurance you will need. The secret to lowering your travel insurance costs is to only take out cover for what you might need. Try to ignore those add-ons that will increase your premium but will be of no benefit to you whatsoever.

Your credit card provider may already cover you for some expenses

You may be surprised to find out that you have already signed up for some complimentary travel insurance coverage when signed up for a new credit card. Such things as travel interruption insurance or trip cancellation cover are two of the most common types of travel insurance perks that some credit card companies provide. Contact your credit card provider and ask what travel insurance perks are included with your account, and if you are covered for certain eventualities then these are things you don’t have to add to your travel insurance policy.

Don’t imagine your travel insurance policy will cover a pandemic

A large proportion of travel insurance policies rule out coverage of pandemics, with these seen as being a foreseeable event, which means you won’t be refunded for your outlays. However, there are still plenty of good travel insurance plans that will not exclude Covid-19 as a reason for your trip being cancelled.

Another way to circumvent the risk of a Covid-19 outbreak ruining your vacation is to opt for a policy that provides “cancel for any reason” coverage. This kind of plan will reimburse the non-refundable and prepaid portion of your vacation should you need to cancel for whatever reason. However, this type of policy usually needs to be brought within two to three weeks of your initial trip payment and is often more costly. Also, check the small print as your policy may require you to cancel no later than 48 hours before your scheduled departure.

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Health Insurance

Which medical conditions can lead to a rejected health insurance application?

Whether you wish to take out group medical insurance before a big holiday or to take better care of yourself and your family if the worst happens, there are many reasons to invest in medical insurance. However, it is a common misconception that if you apply for health insurance, your application will be approved. Health insurance applications are rejected quite often. To help you understand the reasons behind this, our health insurance experts at Compare Insurance have compiled this short guide.

What is the main reason for a rejected application?

The main, overarching reason for a rejected health insurance application is if the provider you are applying to thinks that you are too high risk. This means that it would cost the insurance company more to pay out for your needs than it would get from you in the long run. However, some companies will not just flat out reject you and may offer you outrageously high premiums that would just be impossible to pay.

Which medical conditions make you ‘high risk’ to a health insurance provider?

When applying for health insurance, it is beneficial to give a list of conditions that make you appear high risk to a provider a quick scan.

Obesity:

If you are obese or struggle with being overweight, this may be a reason why your health insurance claim has been rejected. This is as it is associated with a whole host of other health complaints. This includes – but is not limited to – Type 2 Diabetes, high cholesterol, high lipids or high triglycerides.

A history of cancer:

If your medical records show evidence of a history of cancer, this may mean that your health insurance application will be rejected. This is because of the added risk that cancer may come back in the future.

HIV and AIDS:

If you have been diagnosed with HIV or AIDS, this may make it difficult to receive health insurance as they are incurable conditions.

For more information on the factors that may mean that your medical insurance application will be/has been denied, contact our experts at Compare Insurance to find the right medical plans for you today.

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Car Insurance

Factors that affect your car insurance rates

Ever wondered how insurers calculate the cost of your premiums? If so, you’re not alone. Insurance pricing is a bit of a mystery for many, making shopping around for car insurance quite difficult. However, it helps to know the factors that affect your car insurance rates so that you can make an informed decision on your policy and insurance provider for cheap car insurance for new drivers.

To help you get started, here are three factors that affect your premiums.

1. The make and model of your car

Certain types of vehicles cost more to insure. For instance, expensive cars such as Teslas cost your insurer a lot if you make a claim and your car is written off, which makes your premiums higher. Modifying your vehicle, whether for performance or cosmetic reasons, can also lead to higher insurance rates. So, check with your insurer first before altering your car.

If you’re looking to renew your car insurance or want to buy a new car, check what insurance group your car is in to give you a rough idea of how much you’ll pay.

2. Your driving habits

Generally, this includes:

• Your driving record: If you’re a responsible driver and have a clean driving record, your premiums are more likely to be lower than that of a reckless driver. However, if you’ve never had insurance before and are new to driving, expect to pay more.
• How much you drive: Using your vehicle more and driving for longer distances exposes you to more risk, increasing your insurance rates. So, if you only use your car on the weekends, your insurance rates won’t be as high as a person who drives to work daily.

3. Where you live

Before giving you a quote, insurance providers look at a range of statistics from your area, including how busy it is, the crime rate, general driving behaviour, and the average number of fraudulent claims filed each year.

If the general risk of accidents in your area is high or you live near/in a city centre, you’ll likely pay more.

Now that you know some of the factors that affect your car insurance rates, it’s time to compare quotes from different providers. Simply browse our website to find your car insurance provider today.

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Categories
Car Insurance

Tips and tricks towards cheaper car insurance

Cars can be expensive to buy and maintain, with insurance in some cases almost costing as much as the car itself! At Compare Insurance, we have compiled our expertise to create this small blog post to share our tips towards cheap car insurance for young drivers.

Consider the type of car you are buying:

It is easy when buying a car to become too invested in its appearance. But we urge you to put your practical head on and consider the type of car you are thinking about buying. Rather than something flashy, it may be worth considering smaller models, such as a Mitsubishi Pajero, if this car is still compatible with your daily needs.

Ensure that your driving record is as clean as possible:

Throughout your driving life, accidents will happen. Yet, it is worth bearing in mind that the safer you drive, the lower the potential is for insurance costs to tot up due to a busy driving record. Issues such as speeding or several parking fines can contribute to your record, and ultimately drive up insurance premiums. Therefore, it is crucial to ensure that your driving record is as clean as possible.

Use comparison websites:

Sometimes, to find the best deal you have to shop around. By using insurance comparison websites, it becomes much easier to find the best deal and discounts available to you. This is so you can tailor the experience to your exact needs for an accurate quote.

Install safety technology:

This can be anything from a black box to record your speed, or a dashcam camera to film accidents. By installing pieces of safety technology, you can reduce your insurance costs. It allows the insurance company to have more faith in how your drive, driving down your premiums. These gadgets are handy to have on the car if you do come into some trouble which was not your fault. They can act as evidence to the insurance company that the accident was not your fault, leading to faster cash payouts.

For more information surrounding cheaper car insurance, contact our friendly and professional team at Compare Insurance today.

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Categories
Travel Insurance

5 circumstances that may prevent travel insurance from covering you

Travel insurance is crucial whether you are travelling for work or leisure, but there are some cases when your insurance policy will not cover you. Although what is included and excluded from your cover ultimately depends on your specific emirates travel insurance, some circumstances can prevent you from making a claim.

If your expenses stem from a pre-existing condition

Pre-existing medical conditions are some of the common reasons for the denial of travel insurance claims. Insurance companies define a pre-existing condition as an illness, injury, disorder, or medical condition that prompted the insured person to seek treatment or take medication 60 to 180 days before buying a travel insurance policy. To find out whether your travel policy covers pre-existing conditions, read through the Description of Coverage to determine what is and is not covered by your insurance provider.

Participating in high-risk sports and activities

If you have an adventurous spirit and plan on participating in sports like parasailing, bungee jumping, white water rafting, etc., then you may not be allowed to claim in case of injuries, equipment loss, or personal financial losses. To protect yourself, ensure that your travel insurance policy covers all the activities you’ll be engaging in.

Travelling against government advice

The government releases travel alerts every so often, warning its citizens against travelling to areas with civil unrest, inclement weather, security matters, and disease. Therefore, if you decide to travel to a specific country despite a warning from the government, your travel insurance provider will not cover you at that destination. Pay attention to government warnings via their travel advisory website to ensure that you are not travelling to high-risk destinations.

Participating in self-harm incidents

Driving under the influence of drugs and alcohol will render your travel insurance null and void. If you must indulge in alcohol consumption, ensure that you get a designated driver to avoid harming yourself and others.

Cancelling your trip before departure

While most travel insurance policies cover travel delay and travel interruption, they do not cover trip cancellation. Your insurance provider may fail to approve your claim if you change your mind about travelling.

To find the best travel insurance policy for you, visit our website and get travel insurance today.

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Categories
Health Insurance

What not to do when buying health insurance

As the Covid-19 pandemic has shown us, there are always risks to our health just through being alive. That is why it is so important to give yourself and any dependents you have some protection by taking out an online health insurance policy. Deciding on the right policy is not to be rushed through and there are things you should try to avoid doing.

Ending up with inadequate cover

This is a very common error and usually happens if you focus too heavily on getting the cheapest premium. Ultimately, the point of a health insurance policy is to provide you with the best possible protection, based on factors such as your age, state of health and family status. Choosing the policy with the lowest premium will be a false economy if it turns out not to cover your medical costs when needed.

Not reading the small print

Every insurance policy comes with a range of terms and conditions in small print. You may feel that it is a chore to read through all of these when you just want to sign and get on with your life, but failing to do so can be disastrous. This small print generally contains the exclusions that will tell you the circumstances in which the insurance company will refuse to pay. You want to find these out before you sign up, rather than when it is too late.

Covering up past medical history

People do this because they are worried that previous illnesses will prevent them from getting health insurance. It is a waste of time though, because if you are not truthful when signing your policy this will emerge when you have to make a claim and no insurer will pay out in that situation. Be honest and look for a company and policy that is prepared to offer you insurance based on the facts.

Not shopping around

Even when you have health insurance, you should keep checking online comparison sites to see if there are other providers offering the same coverage at a better price. It is worth the inconvenience of changing insurance companies if it stands to save you money.

Search Compare Insurance today to find the top health insurance in UAE at the right price for you.

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Categories
Health Insurance Travel Insurance

Countries that require you to have travel medical insurance

The world is slowly returning to a state of normalcy, with more and more countries opening up their borders to tourists. However, before you pack your bags, you’ll need to get travel health insurance. Here is a list of countries that require travel health insurance.

Schengen Area

To explore Europe, you may need to obtain a Schengen Visa. This is a visa that citizens from certain countries need to carry in order to enter the 26 European states of the Schengen area. To apply for this visa, you must provide proof of travel medical insurance covering hospitalisation, medical emergencies and repatriation in case of death. The policy must remain valid for your entire stay and have a minimum coverage of at least thirty thousand Euros.

Brazil

If you are going to be visiting Brazil by air for up to 90 days, you will be required to purchase a travel medical insurance policy that is valid in Brazil. All travellers must present proof of insurance before boarding, failure of which can result in denial into the country by Brazilian authorities. This requirement came about mid last year because of the Covid-19 pandemic and may only be temporary.

Thailand

Before planning your trip to Thailand, you must confirm your eligibility with your local Thai embassy. If eligible, the next step will be to obtain a certificate of entry. One of the requirements for this certificate is to provide proof of a travel health insurance policy that covers Covid-19 and emergency medical insurance. This is because any medical costs incurred in Thailand are charged to your medical insurance.

United Arab Emirates

Travellers age 12 and older wishing to visit Dubai and any other cities in the UAE need to provide valid travel insurance covering international healthcare during the entire duration of their stay. You will also be required to provide Covid-19 test results taken no more than 96 hours before your arrival. This requirement applies to all visitors regardless of whether you need a UAE visa or not.

To find the prices on travel insurance, use our website to compare prices and sports travel insurance.

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Categories
Travel Insurance

4 must-have travel insurance plans

Travel insurance is a must-have when planning for a trip. It protects you financially in case of medical emergencies, cancelled flights, and any other unexpected situations. It comes with several plans for you to choose from, depending on your needs, and in today’s blog post, we will be looking at different plans to help you make a well-informed decision.

Travel medical insurance

Your regular cheap medical travel insurance cover does not protect you when travelling abroad, so the only way to protect yourself from any health risks while on your trip is to take out a travel medical insurance policy. It covers any medical, dental, and evacuation costs incurred during your travels. You can purchase travel medical insurance for a single trip or multiple trips over a certain period.

Travel accident insurance

Sometimes your travel plans can take a turn for the worse, causing you to lose your eyesight, mobility, or even your life. If you are a frequent world traveller who visits risky regions, this insurance plan will cover any unexpected losses that occur during your trips. It will pay you or your beneficiary if you are seriously injured or lose your life while travelling. When shopping for travel accident insurance, ensure that you and your beneficiary read and understand the policy’s conditions and exclusions.

Baggage and personal items loss

This insurance plan provides reimbursement for damaged, lost, or stolen baggage, as well as other personal items. It covers your entire trip and not just flight-related activities. The baggage and personal items insurance policy is a must-have if you carry high-value items such as fine jewellery or expensive equipment.

Trip cancellation or interruption insurance

Flight delays are not uncommon when travelling. They can be caused by an airline labour strike, health emergencies, or bad weather. Whatever the reason for the delay is, you must be well prepared for these circumstances. Travel delay insurance covers both accommodation and meal costs while you wait for your flight.

To find the price for travel accident insurance, use Compare Insurance today.

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Categories
Travel Insurance

Common travel insurance mistakes people make

When it comes to taking out long stay travel insurance, many of us simply don’t get it right! Here are some of the most common mistakes people make when they need this type of insurance.

Not taking it out in the first place

Taking a risk and skipping getting travel insurance is a big no-no that should simply never happen. Even if you’re only going overseas for a weekend, to somewhere you’ve been before, or visiting friends and family, if something goes amiss on your trip, it could end up costing a small fortune without insurance in place.

Not declaring a medical condition

Failure to declare a pre-existing medical condition on your insurance form might save you a few pounds on your insurance premium, but it’s not worth taking the risk if you need medical treatment for this condition while you’re away. You won’t be covered and you’ll end up footing the bill yourself.

Buying single-trip policies if you’re a frequent traveller

If you travel a lot, buying a single-trip insurance policy each time you go away could prove to be a false economy. Get yourself organised and look into buying a multi-trip annual policy, which could save you money in the long term.

Not checking destination cover

There’s no point taking out travel insurance if it doesn’t cover you for the destination(s) you’re heading to, so make sure the policy extends to all the places you intend to go to on your travels. Some policies are for a single country only, while others cover a region or continent. It’s especially important you take out the correct policy if you’re embarking on a round-the-world trip.

Opting for the cheapest policy

No matter what type of insurance you take out, whether it be car insurance, medical insurance or travel insurance, comparing prices is always a good idea to make sure you’re getting the best deal. But, don’t think that the cheapest price is always the most favourable option to go for. In some cases, the cheapest policy could see you paying extra excess if you make a claim, or it may not even cover you for all the aspects you need. With this in mind, always read the small print when weighing up your options.

Our travel insurance comparison website will help you find the right baggage insurance for you, ensuring no mistakes need to be made.

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