The life insurance specialists – Brokerage comparison site

I’m sure that almost all of us heard about the newest advertisement hype in life insurance. “You can qualify for life insurance without a medical and no salesperson will ever call”. It’s a very attractive vision – you don’t have to bother filling out forms with health questions, don’t have to undergo medical tests and the seemingly best of the entire deal – no pushy salespersons.

The Life Insurance Specialist - the first sight, it really seems like an exceptional offer. However, all this convenience comes at a heavy price, and these guaranteed issue plans have several serious caveats.

You can use this site to help you on your search – The Life Insurance Specialist – Life insurance with cash back & free gifts

First, the coverage is usually limited between £5,000 and £50,000. Some plans are tricky and will give you the ability of making the total coverage larger with inexpensive and realistically speaking, worthless accidental coverage which will double or triple your total benefit if you die by accident. The problem with this is that the vast majority of insurance claims are not by accident, moreover, this number continues to diminish as the insured ages.

Second, the premiums on these plans cost much more compared to traditional life insurance, in some cases up to 300%. This makes sense as the plans put healthy people and individuals with poor health in the same boat – people that don’t have problems qualifying for regular insurance are being substantially ripped off by this form of coverage.

Third, the death benefits are usually limited to a return of premium plus interest in the first two years after the guaranteed issue plan policy takes effect, unless the insured dies by accident. As mentioned before, this is highly unlikely.

Fourth – and touching by far the most deceiving point in the advertisements – there is no actual guarantee that you will be approved for in these life insurance plans. In most cases, you will still need to answer basic health questions. This makes it possible for the insurance companies to filter out truly high risk clients.

Despite all these facts, guaranteed issue life insurance can still make sense in some cases. If you, for example, have trouble qualifying for traditional life insurance policies and got declined several times before, you should consult with an independent life insurance broker and ask him/her to find you a plan that will group you with a set of healthier people and translate into lower premiums. Otherwise, it’s likely that traditional policies will be likely available at lower rates than guaranteed issue life insurance.

For more help on specialist life insurance then feel free to read this article.

Mobile Hairdressers in Romford

When you want your hair done in a hurry and you don’t have the time to get to a salon or even book an appointment, why not just get them to come to you?

Mobile hair dressers are professional hair stylists that come to your home and do the job exactly as a hairdresser would do in a salon for you at the fraction of the cost.

There are many mobile hair dressers in romford that cater for all types of things, from cut and blowdry to colours and perms in the convenience of your own home without slacking on the finish, if you’re a gal on the go and you need a stylist to suit, then don’t hesitate to try a mobile hair dresser.

The money you save is incredible, you can most likely get a 40% reduction on in-house salon prices, most mobile stylists can give you a price list if you ask.

Bicycle Insurance in the UK

Bicycle insurance is becoming an increasingly important purchase for every cyclist these days. Because recently research has shown that almost half a million bicycles are stolen every year in the UK. The need for bicycle insurance is for those who live in city areas where the majority of the bicycle thefts take place.

In this article we talk about the bicycle insurance and why it is important for every cyclist to have bicycle insurance. Bicycles are becoming increasingly popular among the new generation but at the same time it can be dangerous to ride on the road. If by any chance the bicycle gets stalled or damaged, if you have bicycle insurance then the damage can be repaired easily without any hassles.

As we know that cycling is a very good form of exercise and bicycle makes it easy to travel from place to place without having any tension of diesel and petrol. But one thing is very important for every bicycle rider and that is cycle insurance for their bicycle. Bicycle insurance is done to cover such things as fire, theft, accidental loss or damage to the insured bicycle. Cycle insurance UK has consultants who help us in getting the right policy for our own personal requirements. Whenever you decide to get a policy you should be sure that you are getting the best policy to suit your budget and your needs.

There are many cheap bicycle insurance uk policies offered by companies in UK that ensure the best cover with cheaper premium amount and also obtain an excellent cycle insurance quote. Cheap cycle insurance quote almost includes complete risk covers.

Cyclists are nowadays more aware of what problems they go threw especially in crowded areas and they aware of how much need there is to have a liability cover, so that if any day the cyclist causes an accident or damage to another vehicle user, the cyclist would be protected against those expenses or third party claims on cyclist. It’s really sad that even bicycles get stalled for little money and only a small percentage of it gets recovered. It’s not safe to share roads with motor vehicles where there are more chances of accidents to happen. In these days of ever-busier roads, damage can easily occur. Yet you may find that cycle insurance covers repairing and damaging expenses also. We cannot stop all this instances from occurring. That’s why having cycle insurance for your bicycle is the best safety plan.

There are two types of plans for the cyclist involved in competitions or just enjoying cycling for leisure or community- Leisure and Compete.

Leisure plan: It provides cover for bicycles used for day to day leisure and road based time trials.

Compete plan: It provides cover for bicycles used for racing and competitions for semi professional cyclists.

There are many ways to safely secure your bicycle but without bicycle insurance these other safety will not always prove to be the perfect one; therefore taking bicycle insurance for your bicycle is an important as well as beneficial additional step. Finding the right bicycle insurance can be a very difficult process some time. But nowadays there are many insurance companies available that give the best bicycle insurance cover. Each insurance company provides different types of insurance cover for your bicycle. Try to select a policy that includes maximum risk cover for your bicycle.

Fantastic Affordable Hair Salon Services

This post will be something unusual to what we normally talk about with everyone but never the less it is still something we think will make some peoples life easier and after all, we’re here to help.

We’re going to talk about mobile hair dressing in particular and also recommend one we’ve personally had experience with, the area may or may not be local to you but if it is, you should definitely give it a go if you’re in need of a quick fix at home!

Specifically, we’re going to share this service – Androulla Christophi Mobile Hair Dresser service, when you visit the site, you’ll see that she caters for the Chingford and Romford areas currently,  She has just started out in her mobile hair dressing service and is actually very professional, considering how new her service is.

We spoke to her personally and she has over 5 years experience working in a professional salons and she enjoys her trade so much that she has decided to branch out and expand for herself, which is very nice to see.

Price structure is very competitive, with almost a 50% reduction on your most popular inhouse salaon services, we will add her price list below so you can take a look.

Androulla Christophi - Pricelist
Androulla Christophi – Pricelist

so if you’re in the need of a hair make over and you want a home service, give Androulla a try!

Insurance Comparions Made Simple

Use these insurance tips to learn what is in your policy, and how to get what you need. Chances are you are either overpaying for the policy you currently have or not getting the proper coverage. Explore your true insurance needs further by reading this article.

insurance comparisonsTo help you get a discount, you should consider purchasing your insurance policies from a single company. Most insurers offer a variety of valuable discounts. One of the most common discounts is given to those who purchase vehicle and homeowners plans through the same company. If you are going to shop for insurance, consider getting more than one policy to save money.

Seek out an insurance company that can take care of everything you need. If you bundle multiple types of insurance with a single carrier, the savings can be quite large. You can actually increase your rate for homeowners insurance when you move your insurance from your car to another company that doesn’t own your home.

Proper insurance is vital for the small business owner. If your current policy does not fully protect you, you should consider additional insurance policies.

Save money on insurance by purchasing bundled policies. Sometimes, companies will offer you car and motorcycle insurance at a fixed rate. Many companies will offer several kinds of home insurance all together. Before you buy anything, though, be sure that you actually need it.

While they may be covered, don’t file claims for small amounts. Your premiums will go up and cost you more over time than you’ll get back on your claim. Most companies offer discounts to customers who are careful and loyal, saving them a lot of money per year. The full coverage is still there, in case there is a significant incident.

If you’re wanting an insurance quote, check out Compare The Nation, they can get you in touch with life insurance with free gifts

Use the power of the Internet to search for quotes for insurance. This will put you in a better position because you can compare quotes before you purchase insurance. Online quotes are typically conditional to more thoroughly detailed application and possibly a physical exam, depending on what kind of policy you are looking for.

There is a negative consequence to lowering your bill by raising the deductible on your policy. However, you need to remember that raising your deductible will incur more out-of-pocket expenses from you, should you be involved in an accident. Be mindful of how much these minor costs can add up, so you can make an informed decision.

Read your renewal forms on pet insurance carefully every year. Many companies see these forms as new starts, meaning if your pet is diagnosed with a disease like diabetes, it could be seen as a “pre-existing condition” when you’re renewing. This can possibly be seen as an unfair tactic, so make sure that you check with your insurer to see if they abide by this policy.

Insurance is important, but all the choices can be overwhelming. With these tips under your belt, you are better equipped to get a deal, and get a plan that works for you. If you need to, write out a checklist and then contrast it thoroughly with your current coverage or policies you are thinking about prior to selecting your choices.

Know The Important Things About Classic Car Insurance

There are millions of cars and trucks out there on the road, and the vast majority have one thing in common. No, not wheels — although that is true! What they have in common is insurance. Almost every vehicle is insured. It’s mandated by law. So when you need insurance, use these tips to get the best deal.

When considering auto insurance for a young driver, consider the benefits and drawbacks of having a higher deductible. If the deductible is higher, then it will be a cheaper policy and vice versa. It is usually recommended to find a good medium between the two, based on the driving skills and area that the driver will be driving in.

big-carWhen considering what options you want to include with your auto insurance, be sure to see if towing insurance is something that you really need. Oftentimes towing is already included in certain types of accidents. If you belong to certain auto assistance agencies, they may already provide this coverage to you. Most often, it is not financially beneficial to include this extra.

Auto insurance for young drivers is very costly. You can save some money by choosing the right kind of car for your teenager to drive. If you allow your teen to drive the Mustang, prepare to pay through the roof. If, on the other hand, you restrict your teen to the most “beater”-like car you own, your premiums will be notably lower.

Shop for your car insurance online. Shopping online for car insurance can save you, on average, 5% to 10%. It saves you money because it saves the insurance provider money. Doing things online is just less expensive from all angles. You can even shop around and compare rates much easier, click here for great comparison sites which specialise in classic car insurance policies.

When purchasing car insurance, do not get unnecessary add-ons. Things like Motor Club, Travel Club, and Accidental Death Insurance are rarely used and just end up costing you more money each year. Instead, stick with things you will use, such as collision coverage, liability and property damage, and bodily injury coverage.

Having your VIN number etched into your window can lower your insurance premiums up to 15 percent. Sometimes the VIN number is already etched into the car’s window, but will raise the price of the car £300 to £900. You can also etch the number into the window yourself for £19.95.

The more claims you file, the more your premium will increase. If you do not need to declare a major accident and can afford the repairs, perhaps it is best if you do not file claim. Do some research before filing a claim about how it will impact your premium.

If you are buying a brand new car, you should be aware that the car’s warranty probably provides services such as towing or pays for a rental car while yours needs repairs. If you warranty covers these features, you should drop them on your insurance. When you warranty expires, do not forget to upgrade your insurance again.

To ensure your claims will be dealt with quickly, choose top rated insurance companies only. Unknown insurance companies may offer low rates and may seem like a good deal in the short run, but if they try to avoid paying your claims, they can cost you in the long run. Research insurance companies and be sure to select one with a good record.

If you are a person who has had car insurance for years but never had an accident then an insurance company who offers vanishing deductibles may be perfect for you. If you are not getting in accidents then you should be rewarded, and this kind of program offers you a reward.

Though it may seem obvious, it bears explicit statement: You should make sure all the cars in your household are on the same insurance policy. If you have recently combined households with someone, compare your insurance and see which policy will offer better consolidated coverage. In virtually every case, a blanket policy is significantly cheaper than individual policies.

Insurance is something you need so that you don’t get a ticket and lose your license, of course. But you also need it to protect you financially should you cause or be involved in an accident. Make sure you apply the tips you’ve learned above so that you can save on your next policy.

You Should Follow The Steps Listed Below To Get A Great Rate On Your Classic Car Insurance

car insurance is for protection, but not only for your vehicle. It also serves the purpose of protecting other drivers, passengers and their vehicles, as well. You need to make sure the coverage you get fully meets all of your needs. Using the following tips, you can get an affordable insurance plan that provides all the coverage you need.

What kind of vehicle you buy will strongly influence the cost of your monthly insurance premiums. If your tastes lead you towards a luxurious car, the numbers on your insurance bill will rise accordingly. Choose a vehicle that’s safe and modest to receive the lowest insurance rates.

Beyond the state legal minimums for liability insurance, there are many other insurance options. Though your premium rates may rise, you may find that these options are worth it. If you get into an accident with someone who does not have insurance or you are the victim of a hit-and-run, you’ll be sorry if you don’t have uninsured motorists coverage.

Think long and hard about what type of insurance coverage is needed. Coverage varies widely, giving you lots of options, although many of them will not apply to your situation. Investing in collision coverage is a good idea if you want to avoid paying out of pocket in the event of a crash, or if you have a history of minor accidents.

No search for car insurance is complete without a thorough comparison of multiple quotes from several companies. As you will find, classic car insurance rates vary greatly by the company. To ensure you’re getting the best bang for your buck, make it a point to shop new quotes at least once per year. Just be careful to make sure that the quotes are offering the same levels of insurance when reviewing.

Using what you’ve learned here, take a second look at your existing insurance policy. You could discover that in order to feel properly protected, you’ll need to make some changes to your policy.

Van insurance for Commercial use

Many businesses rely on their vans as a source of making money, Vans are very important in this day and age, just look at delivery firms that offer next day delivery, these companies depend on their vehicles to dish the goods.

trademanWith that being said, The most important thing to keep a track of is commercial van insurance for any driver type policies when your business depends on wheels, you’ve got to put a reminder in place to make sure your fleet are always insured.

Simple things like setting a calender reminder up on your smart phone or personal computer can be the difference that causes you to not forget to renew your policy!

Find The Right Policy

tailor madeHey guys, there are many websites available that can take you from A to Z in the insurance world which is a little like going on a wizard of Oz journey to the unknown for the first timer.

The insurance website I gave you above gives some great information in regards to finding an affordable insurance plan that suits your needs and is tailor made for, sometimes you may not need added extras which tend to bump up your policy price, this article explains more about optional extras, have a little read if you need to.

Theres not much else to explain if I’m honest, everything you would need is linked above so go and do your research!

Car Insurance, Tips and Tricks

There are many tips and tricks that you should take aboard when searching for car insurance for yourself, Many insurers often rely heavily on criteria that you give them when deciding how much to charge you in premium costs..

– Location
– Vehicle type
– Postcode
– Parking
– Age of driver
– Number of drivers

These are just some of the key factors most insurers look into when working out your policy price, we will be going through all of these sections one by one so you can be sure to have the cheapest car insurance guaranteed