Why is Car Insurance a Legal Requirement?
We all know that it’s a good idea to insure our home, its contents, our phones and even our health, but there’s nobody forcing us to do so. However, car insurance is a legal requirement with hefty penalties if we fail to take out a policy… but why? Why do we need to be insured […]
Breaking-in is Hard to Do
When you consider home security it’s easy to overlook areas that are out of sight, such as your shed and garage. However, it’s crucial to keep these areas secure, protecting them from thieves and reducing the risk of items inside being used to gain entry to your home. Most sheds are constructed from timber, which […]
I Have a Pre-existing Condition — How Will it Affect my Life Insurance?
Living with a health condition is hard, made even more frustrating by seemingly the simplest of things, such as taking out life insurance. Insurance providers have a list of health conditions that you must declare when taking out a policy; including asthma, cancer, diabetes, epilepsy, heart disease, obesity, kidney disease, and even anxiety. All you […]
Why Honesty Makes for the Best Policy
Insurance premiums are based on risk; the higher risk you are, the more likely you are to make a claim. Claims cost insurance companies money and they need to offset this, hence high risk policies often costing more than those deemed low risk. To reduce premiums, people sometimes withhold the truth from their insurers, reducing […]
Why Have I Been Turned Down for Insurance?
It’s almost taken for granted that an application for insurance will automatically be approved; after all, the insurance company wants to be able to provide you with the cover you need. However, many people are turned down for insurance and for a variety of reasons: read on to find out why. Medical conditions In the […]
Five Key Resources for Fire Safety at Work
Safety at work is the business owner’s responsibility, and if you are an employer, you will have a legal responsibility to protect your employees. Fire safety responsibility can be allocated to a member of staff, who must arrange training, a workplace risk assessment and implement appropriate measures for safety purposes. Training Fire safety training is […]