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Health Insurance

Finding low cost health insurance the easy way

If you’re in the market for low cost health insurance, it can be difficult to find the right deal for you. Cheap medical insurance shouldn’t also mean poor coverage, so you need a way to compare and contrast the deals available to you – fortunately, there’s an easy way to do it!

Use a comparison tool today to find affordable health insurance.

Using technology for your benefit

Anyone looking for low income health insurance has to give serious consideration to the benefits that come from using an online comparison tool. It’s quick, simple, and offers you the ability to find a range of health insurance quotes at the prices to suit your budget.

All you do is fill in your application to determine the kind of coverage you want. It then goes to multiple health insurance companies who examine your application and offer you a quote. This can be done in minutes, meaning you can fit finding health insurance into your schedule.

With the quotes at your disposal, you can then choose which is best for you. You may find more appeal in a quote that offers the lowest monthly premiums, or that has the highest possible insurance payout, or covers the broadest selection of possible claims – it’s entirely up to you.

Health insurance for your budget

Whatever your budget is, there’s going to be a great health insurance package available for you. Just because it doesn’t cost the earth, it doesn’t mean you have to scrimp on the coverage. Even the cheapest health insurance package is better than no coverage at all.

Health insurance is always an intelligent investment, but it doesn’t have to be an expensive one. Use a comparison tool to find the broadest selection of offers available to you, pick and choose which is the best for your circumstances, and confirm your application.

That’s really all it takes for you to get covered.

Get yourself covered today

Whether it’s personal health insurance, children’s health insurance, or family health insurance, use a comparison tool like Compare Insurance to get the best deals for your budget in mere moments.

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Car Insurance

Making your classic car insurance more affordable

If you love your classic car you know that it can be a passion that doesn’t come cheap. Insurance is a necessary part of enjoying your classic car to the full, but classic car insurance doesn’t have to be a cost that makes you shudder – there is an easy and simple way to find a fantastic quote.

That is, of course, by using an online insurance comparison tool.

Making the most of your time

Using a comparison tool to find your next classic car insurance quote makes a great deal of sense, because you only have to make one application. You make your application and it’s presented to a broad selection of auto insurance companies, who will then examine it and make their offers for your quote.

That means you have access to a broad spectrum of quotes, from both general insurance companies and dedicated classic car insurance specialists. This puts control straight into your hands – you can choose the package that’s right for you, your classic car, and the way you like to drive.

You may, for example, use your car regularly and want a fully comprehensive premium with a high annual mileage allowance. You may also simply use your classic car for high-days and holidays, and only need sparing coverage. It doesn’t matter, you can find the perfect deal for you.

Putting your priorities first

Using a comparison tool lets you make sure you’re choosing the best classic car insurance package for you. You may value extensive coverage, for example, which means you can choose the package that covers the most. Or you may prefer to keep your eye on the budget, and go for the cheapest.

The beauty of the comparison tool is you have a broad selection of quotes at your fingertips, that you can compare and contrast in any ways you see fit. This means you spend less time dealing with the boring bits of getting your insurance sorted, and more time actually enjoying your classic car!

Use a specialist insurance comparison tool like Compare Insurance and find the perfect classic car insurance package for you!

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Health Insurance

If you need temporary health insurance, find the best deal for you online

If you’re looking for temporary health insurance to cover your health for a short period of time, you likely don’t want to spend much time finding the right deal. With time being of the essence, one of the best tools you can use to find the right deal for you is an online comparison tool – such as Compare Insurance.

With a great deal available for your needs, your budget, and your lifestyle, get started now.

Finding the right deal for you

There are many different types of health insurance available, and the same applies to temporary health cover. You can get fully comprehensive health cover, or you can get a more limited plan that is more budget-friendly. Whether you need the cover for a day, a week, or a month for whatever you’re doing you can guarantee you’ll find a great deal for you by using an online comparison tool. It couldn’t be easier.

All you need to do is decide the level of coverage you’re looking for, then make your application. A comparison tool will present your application to a number of different health insurance providers, from the most premium through to the most budget-oriented. You’ll then be made a series of offers for coverage.

Choosing the best coverage for you

Everyone has different priorities when it comes to their health insurance cover. You might want to make sure your temporary health coverage has you covered for every eventuality, or you might want to protect against the most likely issues you might encounter and save yourself some money. It’s up to you!

Whatever you choose, you’ll be able to browse the deals available and decide which is the package that best suits your needs. When you’ve chosen, all you need to do is accept the offer from the insurance provider and you’re ready to go. It’s really as simple as that – no delays, no stress, no red tape.

If you need temporary health insurance, find the best deal as quickly and conveniently as possible by using an online comparison tool like Compare Insurance today – you won’t regret it.

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Health Insurance

How to find the best health insurance for kids

No-one likes to think about their children needing medical treatment, but it’s always good to be prepared. Children’s health insurance helps pay for private healthcare for your kids if they need it, but what should you look for?

Different types of policy

You can choose to take out family health insurance only for your child. This will give you peace of mind that they’re covered should anything happen, and it may be that the adults in your household are already covered by other policies. It is also possible to include children on a plan that covers your whole family.

Child health care plans can also work in a number of ways. There’s the standard insurance model in which you pay a monthly premium and then pay an excess should you make a claim. You could also choose a cash plan, in which you make a small payment each month and will be paid a small sum to cover events like a trip to the dentist, for example.

Different levels of cover

For those on a tight budget, a basic policy generally covers treatment and associated costs when your child has been admitted to hospital. A mid-level child insurance policy is likely to also cover outpatient costs. Comprehensive cover includes all of the above plus extra treatments such as physiotherapy, homoeopathy and mental health treatment.

Be aware of exclusions

Many health care plans will have certain exclusions – things that are not covered. It could be that a policy does not cover treatment for pre-existing conditions, or for conditions such as diabetes. It’s important to check all of this before you choose a policy.

Dental cover and optician costs

Most plans will not include dental cover and optician costs as standard, but will offer these on as optional extras. Before adding extras like these, make sure you compare them with alternative quotes to make sure you’re getting the best deal.

Comparing child health insurance plans is easy thanks to Compare Insurance’s comparison tool. Simply tell us a bit about you and we’ll show you the best health care plans for your kids.

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Health Insurance

4 myths about medical insurance busted

When the time comes to buy health insurance for you and your family, you may be unsure as to what benefits you will receive, and which ones are not automatically covered. There are many myths regarding individual health insurance plans, and in this article, we will try and clear up some of the more obvious ones.

Myth 1: I don’t need health insurance because I am young and fit

This myth is one of the most common when it comes to personal health insurance, but anyone can be taken ill at any time, and it is best to get health insurance cover from a young age. Also, because you are young and healthy, your premiums will be a lot lower than if you were to wait and take out health insurance in middle-age, for example.

Myth 2: I do not have to declare any pre-existing illnesses

This attitude is totally wrong. When signing up for health insurance, you must be honest and declare any pre-existing illnesses and diseases you may be suffering from. If you fail to declare these pre-existing conditions, you may find your insurer will discover your medical history and reject your request for a claim.

Myth 3: I won’t get health insurance because I’m a smoker

A lot of people think that because they are a smoker they will not be eligible for medical insurance, but this is another myth. Even though smokers are more at risk of health problems, most health insurance providers will offer a range of policies to cover them. Nevertheless, since smokers are more at risk from certain illnesses and diseases compared to non-smokers, the premiums will be higher.

Myth 4: Pre-existing illnesses are covered from the start

In fact, the opposite is true, with most health insurance policies coming with a waiting period of 30-days, except for accidents, before you can make any claim. For pre-existing illnesses, the waiting period can be anything from two to four years.

As you can see, it is important to take the time to compare different medical insurance policies online, so you can choose the one most suitable for your needs.

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Categories
Car Insurance

3 myths about car insurance debunked

Car insurance can be a tricky thing to wrap your head around, so we’ve debunked a list of the top three myths about car insurance to save you money.

1. My premium should stay the same or go down if I don’t claim

In a perfect world, this myth would be true, as every year that you fail to claim, you are building a no claims bonus. However, there are a number of external factors to consider that will affect the cost of your insurance. It’s worth noting that most insurance companies have a maximum no claims bonus, so, after a set number of years, you will stop building a discount. Insurers will also consider your age, so once you reach a particular age, your premiums might increase as you will be seen as a higher risk.

2. If a claim wasn’t my fault, I won’t have to pay excess

If you put a claim forward that was not your fault (for example, if a third party collided into you at a traffic stop), then your insurance provider will usually release your excess if you can prove that it was not your fault and they’re able to claim back costs from the third party. However, you will bear the responsibility of paying your excess upfront, even if you are entitled to a refund later on. It is important for you to select a policy that has an excess that you will be able to afford.

3. Young drivers should get insurance under the name of their parents

It’s no surprise that many parents will want to give their children financial help, which may lead them to consider noting themselves as the main driver on their insurance policy or take out insurance in their name to reduce costs. While this might seem like a good idea, registering for insurance in the name of someone else in order to reduce costs is a form of insurance fraud known as ‘fronting’. This is an illegal practice and can lead to thousands of pounds in fines, penalty points and disqualification.

If you’re looking to compare the best auto insurance quotes, take a look at the rest of our site at Compare Insurance today.

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Car Insurance

Finding one day car insurance is easy and fast when you use a comparison tool

If you need one day car insurance, you don’t want to spend a lot of time or effort browsing all the different deals open to you. Your current insurance carrier may not be offering the best deal, however, so finding more affordable one day insurance is worthwhile. Is there an easier way to do it?

Well, yes! Using an online comparison tool, such as Compare Insurance.

Finding your perfect package

You might need one-day car insurance for a number of reasons, whether it’s picking up a brand new vehicle you have bought, driving when on a trip or holiday, or even helping a friend or family member with transport. No matter what vehicle you drive, it’s essential you’re properly insured.

Finding the right coverage can be a hassle, however, especially if you’re only going to need the coverage for a single day. You don’t want to spend more time looking for the cover than you’re actually going to be covered for, so a convenient and simple option is what’s required to find the perfect deal.

That’s where a comparison tool comes in – all you need to do is make one simple application laying out the terms of the coverage you’re looking for. A number of insurance providers will assess your application before providing you with a range of offers for coverage. All you need to do is choose which one best suits you.

Easy, affordable car insurance

Using a comparison tool is the best way to find the perfect level of coverage for your requirements. You may, for example, want the cheapest possible deal you can get. Or you may want to choose a package that offers a higher level of cover, even if it’s only for the one day. You can choose this based on your needs.

When you need one-day car insurance, there’s no need to spend hours trawling for the best deal nor to just accept the first price you’re given. Using a specialist comparison tool like Compare Insurance and you can get a range of offers from leading insurance providers – do it your way with Compare Insurance today.

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Health Insurance

What’s the best way to compare health care plans?

Health insurance differs from other types of insurance, and it is really important to compare different health care insurance plans.

These plans can widely differ from each other in three or four main areas, and understanding them can allow you to compare policies on a like for like basis.

These differences relate to types of costs, where the treatment can be carried out and by whom, and the type of medical care provided.

Cost

Every insurance policy has a premium, but health insurance plans have other features that can affect the overall price of the policy. These costs can be referred to by different names, but are normally called deductibles, co-payments and co-insurance.

A deductible is similar to an excess on most other types of insurance, but is normally a much higher percentage of claim retention than say a car or home insurance policy.

Co-payments and Co-insurance are costs that relate to two different areas.

Co-payments are normally for relatively small areas of payment, such as frequent visits to a primary care physician, and Co-insurance normally relates to an overall percentage cost of any overall treatment that the policyholder incurs.

Taken together, these costs can be quite considerable. A thorough comparison of healthcare plans beforehand can help clarify which companies are likely to be most cost-effective.

In / Out Networks

This is a key feature of many healthcare plans.

A network refers to a specific number of hospitals, clinics and clinicians, that the insurance company will have arranged contracts with, and will specify where any treatment needed will have to be carried out, and by whom.

These hospitals and clinicians, are referred to as being in network, i.e. centres that the insurance company works with.

If a policyholder wants to seek treatment at another hospital or clinic, then these are referred to as being out of network, and either will not be covered by the policy, or will cost significantly more than ‘in network’ treatment.

This area of networks affects the choice of clinicians. For some people, this will be an issue, for others not so much so, but it is important to be aware of it when comparing policies.

Pre-existing conditions

This is a term that many people will be familiar with. It is really important to check whether the health care plan excludes any existing medical condition, that has either been treated in the past or currently exist. Policies differ widely in this area.

Aside from pre-existing conditions, it is also important to check if the policy covers recurrence of other conditions that might not be pre-existing conditions but occur for the first time during the time of the policy.

These might be treated successfully, but then recur later. Some policies might exclude such a recurrence, others would not.

Dental / Optician costs

A number of healthcare plans specifically exclude any type of dental or optician related treatment and costs. If a plan does include them, they are likely to be quite expensive. It is always worth getting alternative quotes for these types of policies, and then being able to compare them on a similar basis.

Finding the best health care plan is easy, all you need to do is make the most of our comparison tool on Compare Insurance – make your application now and get results in minutes.

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Categories
Car Insurance

Need short term car insurance in a hurry? Find the right deal with a comparison tool

Finding the right car insurance deal for you has traditionally been a time consuming process. Now, however, thanks to the growing presence of the internet you can get a deal in minutes. That isn’t just for ongoing insurance, too – if you need short term car insurance, a comparison tool can help you find the perfect package for you.

Finding the right insurance deal

If you need temporary car insurance, make sure you use a comparison tool to find it. Whether you need just one day car insurance to cover a specific journey in a certain vehicle, or coverage that lasts just a few weeks or months, you will be able to tailor the options available directly to your needs and requirements.

It couldn’t be easier – all you do is put in your details via your application, state the term you want the insurance coverage to last for and you can find the perfect deals. Multiple insurance companies will then give you quotes based on your application, allowing you to find the right offer for your circumstances.

Whether you’re looking for a deal that’s more focused on budget, or you want to make sure you have the specific level of coverage that you need, you can find it by just making one quick and easy application.

Saving money and time

You might think it takes a long time to get offers back from multiple insurance companies – the truth is, however, that it takes mere minutes. Make your application and you can see a variety of offers of the best deals companies can offer you. This means you can easily contrast and compare to get the right level of temporary cover. For our full guide to short term insurance click here.

It’s so simple and easy, when you choose the level of cover you want, all you need to do is confirm the application with the insurance company you have chosen and that’s it – you’ll be covered!

Finding the best temporary car insurance is easy, all you need to do is make the most of a comparison tool such as you’ll find on Compare Insurance – make your application now and get results in minutes.

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Categories
Car Insurance

Three smart reasons why you should shop around when renewing your car insurance

When your car insurance is up for renewal, automatically renewing your insurance may seem like the easiest option. Car insurance companies thrive on customer complacency, however, and by taking time out and browsing through a cheap auto insurance comparison website, you could save yourself a lot of money in the long run.

Here are three smart reasons why you should shop around:

1. Car insurance rates constantly change

Car insurance companies constantly review and monitor their prices. These prices are based on a wide range of influential factors and statistics which change quite quickly. So a quote you receive today may be significantly different 30 days later. Factors that influence their pricing strategy include how many liability claims they have paid out over a given point in time, accidents, reports of vandalism, and increased claims in your area. Even traffic patterns and the weather can impact on the price.

2. New customers get better deals

A majority of car insurance providers offer discount incentives to attract new customers. The discount is usually for the first 12 months of the car insurance policy. Thereafter, the renewal is unlikely to be incentivised and will go up in price so it’s worthwhile comparing your car insurance online every year.

3. Your car depreciates and loses value over time

From the moment you buy your car, it will lose value. So it’s only fair to ask, why should you pay the same insurance rate every year for a car that has less value than it did 12 months ago? By reviewing your car insurance policy every six to 12 months to take into account the vehicles decreasing value, and revising your coverage options to suit your circumstances, you could make a considerable saving.

Comparing car insurance quotes online takes minutes. Searching for your car insurance renewal couldn’t be easier using our online comparison tool. Simply fill in your details and the comparison tool will produce a range of car insurance deals for you to choose from at the most competitive prices.

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