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Are You Paying Too Much For Your Loan Insurance?
By Peter Kenny
When you take out a loan, it is likely that you will be offered loan insurance to protect your payments should you be unable to keep up with them due to illness or unemployment. However, many of the Read more...
Unusual Specialist Insurance Explained
By Peter Kenny
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Unusual Specialist Insurance Explained
By Peter Kenny
Although most people are familiar with regular types of insurance like life insurance and home insurance, there is an increasing demand for more unusual types of insurance. Basically, anything that you might feel is a risk can be insured against. Here are some examples of insurance types that you might not have considered before:
Reasons for an increase in unusual policies
Unusual insurance policies are becoming more common for a number of reasons. Firstly, people are more informed about what they are at risk from, and so want to protect themselves accordingly. Secondly, the increase in lawsuit culture has increased the need for types of insurance. People are being sued for more and more reasons, and so the level of cover they need is increasing both in value and in scope. Also, the rise in unusual policies amongst the rich and famous is leading everyday people to follow suit.
Pet insurance
One type of that has moved from unusual to fairly common is pet insurance. Many people love their animals as if they were a member of their family, and with vet�s bills being so high it does make sense to insure your pet. Pet insurance usually covers vet bills as well as liability and compensation should the animal die. There are now dozens of dedicated pet insurers to choose from, with cover for dogs starting from around �5 per month.
Star employee insurance
A number of companies are beginning to see the importance of their top employees, and are taking policies out to cover them against loss should anything happen to these
Life Insurance: 4 Key Mistakes And How To Avoid Them
By Evan Davis
Life insurance, whether you are talking about whole life, term life, or one of the many policy variations available, can be a complicated and misunderstood subject. Perhaps for this reason it is not Read more...
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Insurance Direct News
Here at insurance direct we try to give you as many options as we can for Car, Home, Pet, Travel and Breakdown Insurance. We do not offer a star system or even a one page application form, but what we do give you is the best known names in the industry, for you to visit their sites, review all the small print and then make an informed decision of what insurance is right for you. At first the cheapest may seem the right policy for you, but often we don't take enough time to establish what we are really covered for, that extra bit of time can save you a fortune in the long run, if you choose and insurance policy that does not cover you adequately.
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The Birth of Life Insurance
By Evan Davis
The concept of insurance probably began in China over five thousand years ago. Others will argue that insurance began slightly later, in Babylonia. In any case, ancient peoples were interested in Read more...
key members of staff. Whether you are a sales company with a great salesman or a club owner with a great singer, then you could lose earnings should anything happen to your star employee. Taking out a policy to cover you against a drop in earnings might be a good idea.
Body part insurance
Some of the most unusual insurance policies that are in demand are for the of particular body parts. With celebrities like David Beckham and Jennifer Lopez insuring their prize �assets�, other professions are following suit. Many chefs, athletes and musicians are getting their hands or feet insured in case they are damaged. Although this might seem a little vain, it can in fact be very sensible. If using your hands for playing an instrument is how you make your living and you severely injure yourself, then you might need significant compensation to stop yourself getting into financial difficulty.
Antique insurance
Perhaps the most frequently used unusual insurance policy is the insurance of specific art pieces or antiques. Regular contents insurance is unlikely to cover you for such items, and you may be better taking out a specific policy that covers against more regular loss or theft. If something is irreplaceable and gets damaged you will want a policy that will cover you for the costly restoration of that item. Whatever type of unusual insurance you get, remember to ask yourself if you really need it, and to shop around to get the best deal. Although these policies are not advertised, many insurers might be able to help you with your specific requirements.
Peter Kenny is a writer for creditcards-gb.co.uk.
For additional articles and an extensive resource for everything about credit cards, please visit us at Balance Transfer Credit Cards and Home Insurance
Visit www.creditcards-gb.co.uk
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