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Travel Insurance

Going on a short city break? You’ll still need travel insurance

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A city break typically lasts just a few days. Due to this, many travellers wrongly presume that they’ll be fine without travel insurance. After all, what’s the worst that can happen in such a short space of time? Well, these people might be surprised to learn that a lot can happen during a weekend – and the likelihood of falling ill is still high when you’re on this kind of trip. Let’s look at three reasons why you still need travel insurance even when you’re just going on a short city break.

Pace

There’s simply no time to waste when you’ve got an entire city to explore in just a matter of days. This means many will push themselves to the absolute limit – with early starts and loads of walking. This can, of course, all be rather exhausting. While this type of behaviour might equate to a great time and many unforgettable memories being made, it also weakens your immune system and makes you more susceptible to falling ill.

Hygiene

Cities like London, Rome and Paris can be magical – but because they’re so vast, not everything will look like the brochures. Unlike holiday resorts that cater exclusively to tourists, in a big city it takes just one wrong turn to end up eating in a place that might not exhibit the best levels of hygiene. It can take just one undercooked meal or one filthy handrail for you to suddenly become very ill.

Budget

You’ll find that many cities tend to have a high cost of living, largely because of their populations. This is why food, accommodation and indeed medical supplies can be very expensive. Rather than incur huge bills when you fall ill or injure yourself, you should instead cover yourself with travel insurance. This will mean that you might be able to claim back at least some of the cost.

Don’t go without!

Travel insurance is always important whenever you go away – and this includes those occasions when you’re only going on a quick city break. Thankfully you don’t have to pay more than necessary if you size up the best quotes by checking out Compare Travel Insurance.

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Travel Insurance

The secret cost of forgoing travel insurance

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These days it’s easier than ever for people to get their hands on cheap travel insurance before going away on holiday. However, the cost – no matter how affordable – can still be off-putting to many people. This is understandable, especially when you consider that most travellers might have already spent a small fortune on just booking the vacation. You should know that there’s a hidden cost to not having travel insurance – and often it’s a price that’s just not worth paying. Let’s have a look at the hidden cost of going away without travel insurance.

Value

You, of course, want to get as much out of your holiday as possible. This includes making sure that you see the most wonderful sights and take part in the most adventurous activities. After all, this will no doubt be why you’ve spent so much money on going away in the first place. Unfortunately, you’ll sometimes find that you can’t do everything you want when you don’t have travel insurance. You might fear getting ill or injured if you partake in certain activities – in the process meaning you have to sit stuff out. The end result is that you just won’t be getting good value out of the money you’ve already spent on your trip.

Waste

You can remedy an illness or injury immediately if you’ve got travel insurance. While this might involve a trip to the doctor, you’ll at least know that the bulk of the cost will be covered by your insurance and that the treatment you receive will be excellent. The same, of course, can’t be said when you don’t have travel insurance. Often people rack up considerable expenses (massages for injuries, bandages for cuts, medicine for illness etc.) because they can’t afford to go down the other more effective routes for fear of a big bill. Sadly, most do incur these wasted costs before ultimately still having to seek proper medical assistance.

Play it safe

Travel insurance won’t just ensure your health is in safe hands when on holiday, but will also go some length to making sure you don’t encounter these hidden costs. Therefore, don’t wait to find cover by checking out Compare Insurance.

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Car Insurance

Why does your annual mileage affect your car insurance?

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There will always be a number of factors which will affect the price of your car insurance. This includes your age, profession and the vehicle that you will be driving. The majority of providers will also be interested in your annual mileage when determining your quote. This is the number of miles that you will – or think you will – be covering in the space of one year. The question is: why do the providers want to know this and why does it affect your ability to get your hands on third party car insurance? This is what you need to know.

Time on road

Your annual mileage will give insurance providers a rough idea of just how much you intend to use the car to determine the average cost of car insurance. This then helps them to determine the likelihood that you could be in an accident. Take, for instance, if you do a 40-minute commute to work each day. Due to the fact that you’ll probably be spending upwards of an hour on the road, it becomes more likely that you’ll be in an accident compared to someone who might only do a 10-mile commute and therefore only find themselves on the road for a shorter time every day.

Condition of car

You should know that your car becomes more worn with each mile it’s on the road. This happens in numerous ways, but generally, there’s an increased risk of damage to the engine and tyres when a car is readily used. Therefore, insurance providers tend to presume that someone who racks up a lot of miles in one year is more likely to be in an accident due to the fact that their vehicle will be less reliable. This won’t always be the correct assumption to make but it’s still how providers decide upon quotes.

What can you do?

You can still find cheap car insurance even if you’re planning on having an unusually high annual mileage. The trick is to make sure that you’ve weighed up all your different options by comparing insurance quotes. This will ensure that you don’t have to fork out more money than necessary to get your car insured.

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Car Insurance

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

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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

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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

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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

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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

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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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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

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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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