Insurance

Diving insurance: Safety under the sea

Diving as an activity, sport or as part of a profession is very common throughout the world. It is an adventurous recreation for travelers as well as a highly rewarding job for professionals involved in deep sea mining or research work. The environment below the surface of the sea is not only beautiful but full of risks and hazards as well. The best way to go scuba diving safely on your next vacation is to get yourself covered with diving insurance. Why is diving insurance important? Diving is risky business. The entire underwater world is full of potential threats.

How does a clean driving record lower your premium?

The National Motorists Association recently found out that nearly 28 to 49 million traffic tickets are issued each year. The ten states which record the highest number of traffic violations are Ohio, Georgia, Texas, New York, California, Virginia, North Carolina, Connecticut, Massachusetts and Pennsylvania. If you are in any one of these states, you should know that one in every seven driver is charged with some sort of traffic violation or the other.

DUI: It costs more than a drink

“Don’t drink and drive” is a common message we adhere to in our daily lives almost without thinking. It keeps you, your car, your passengers as well as pedestrians out of danger, and reduces the chances of damaging property. Now it does happens sometimes that you have had a few drinks and you need to drive back home. This is the point where things start getting dangerous. Alcohol impairs judgment and basic functions like vision and perception.

Get set with travel insurance before you go for your trip

Have you been planning long for that dream vacation offshore? Or are you traveling within the country for a very important business meet? Whatever be the purpose of your trip, every single trip you make takes a lot of planning, packing and budgeting. While traveling, you always need to be extra careful because in the alien environment, anything can go wrong.

10 Unnecessary policies you should not buy to save your bucks

Insurance is a part of life, and so many of them are just must haves. Car insurance for instance, is mandatory by government laws and homeowners insurance you can’t do without if you have a mortgage on your home. Insurance policies are there to protect you and your dear and near ones should any catastrophe happen in your life.

Identity theft insurance policy - Why should you go for it?

In this modern electronic era, identity theft has become a grueling concern. No one is safe from this high-tech crime, which seems to be on the rise with around 10 million victims in the US.

Steps to obtain cheap travel insurance

It's often difficult to obtain a travel insurance policy that suits your budget. A variety of travel insurance products have been designed to cater to needs of different classes of travellers. A few simple steps might just help you to choose the kind of travel insurance that suits your pocket. Analyze your needs Identify your concerns regarding a particular trip and write them down in piece of paper. For some of you the need is to get your travel costs covered in the event that you need to cancel your trip.

Steps to keep your LTC insurance costs at bay

LTC insurance can be expensive, but we mustn't forget the risks that it cover for us. Such risks could be truly expensive and pose a financial threat to all of us. It's best to obtain LTC coverage at an early age when it costs less and when you don't have any pre-existing conditions. You may consider a few good options to keep your premiums down:

Stretch your elimination period

The elimination period is quite similar to your policy deductible. Your policy will be quite cheaper if you opt for a longer elimination period.

Steps to file your accident insurance claim

Most of the Accident insurance claims are meant for minor fender benders, broken windshields etc. At times you may need to file claims regarding your medical costs, property damages or wage losses. You might need to push your carrier and have patience while working towards your claim. You may follow a few steps to ensure a good compensation-

Contact your insurer

Are you covered for a canceled trip?

Volcanic ash emitted by a volcano in Iceland affected hundreds of thousands of fliers recently. The volcanic ash was said to float into British airspace leading officials to cancel the day's flights. This lock-down may be extended if the volcano didn't stop emiting ash and if the wind didn't change direction. Imagine if you were in a situation like this and had your trip cancelled. Would you be compensated for the cancellation? Yes, you might have been compensated, but if you had travel insurance.

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