Is Your Commercial Insurance Up To Date?

18. January 2012 · Write a comment · Categories: Colleges

As a business owner you know how important your commercial insurance is.  It doesn’t matter whether you own a beauty salon or a convenience store, keeping your policy up to date can reduce your premiums.

When comparing commercial insurance quotes, it’s a good idea to get a minimum of three quotes.  This enables you to review them thoroughly and make an informed decision before putting pen to paper.  When reviewing your quotes, see which company offers you the most for your money.

Cheaper isn’t always better

Often it’s tempting to choose the cheapest quote, but does this cover your business completely? If you own a store do you have ample public liability cover? Is your machinery covered? Have you considered what will happen if you cannot trade, have you taken out additional loss of earnings cover? What happens if a freezer breaks down over night, have you ensured your stock is covered?

This may sound like a lot of things to consider, but if you sit down and take every aspect of your business into account, it’s easy to find the right commercial insurance to meet your business needs.  Review your policy on a regular basis to ensure that it keeps up to date with your growing business and make changes where necessary to ensure that you are never out of pocket.

A health cash plan could be a useful product

11. January 2012 · Write a comment · Categories: Insurance

The cost of some types of healthcare treatments can be surprisingly expensive. Dental treatment can sometimes be very pricey indeed, as can other areas such as physiotherapy and optical costs. As such, the overall cost of some important family health care options can be quite considerable for many families and individuals.

At Engage Mutual Assurance we offer a plan that can pay cash back towards the expenses of some everyday healthcare costs. Cover in this area can be provided from as little as £8 per month.

We are proud of the quality and simplicity of our health cash plan which can offer our customers a helping hand with cash back towards some expensive healthcare bills. Benefit period and limits apply.

If you would like to know more about any of our products then you can access all of the relevant information via our website, or via our helpful contact centre by telephone. Full product details can also be sent out in the post upon request.

We advise that potential applicants read all of the relevant literature before applying for a health cash plan or any other financial product.

Insurance – Home Owners Insurance

04. January 2012 · Write a comment · Categories: Insurance · Tags: , ,



We never know just what we will have to pay out for next on our most precious of possessions – our home; it would be easy to plan for tomorrow if we could all see into the future, but that doesn’t mean we cannot prepare for these events. There are always going to be problems and we all have to do our best to protect what is valuable from natural events and also from people who want to cause us and our homes damage. Homeowners insurance is a contract between a homeowner and an insurance company where you agree to pay the premiums, and the insurance company to pay a set amount should a covered loss occur.

The virtues of house insurance are many; from protecting the exterior or building proper to the likes of possessions to utilitarian products like the freezer or washing machine that might break down. The amount that a normal policy will pay out is quite high and most likely the average person would not reach this limit but they will invariably have to pay a deductible first.

To make arranging homeowner’s insurance simple, many websites now exist to deal with protecting the home and personal possessions by insurers that may not even have a ‘real’ presence. All you need to do is visit their website to obtain quotes, preferably from as many good sites as you can, to get a good idea as to what is there on offer and choose the one that suits you the best.

Whilst you compare the insurance quotes, which should help you to understand which policy will offer the best benefits, it is important to consider the flexibility of the policy rather than be tempted merely by a low premium. There is also a requirement to have homeowner insurance if you have a mortgage so that the finance company will have a guarantee in the event of a large claim.

However, if you want to save money, shop around between the different local insurers to see what offers they have on. Many homeowners have learnt they can reduce their monthly insurance premiums by raising their deductible limit, often by two or three times the amount on the policy so this is worth considering.

Replacing personal and household possessions requires a policy that will pay for new replacements and not pay out on the original cost of the products. Replacement Value policies should really be standard but many people are reduced to trying to find replacements for insured possessions from garage sales or thrift shops because they overlooked this important aspect.

Your home probably cost a great deal as did the possessions inside and the sentimental value should not be overlooked either. To ensure you have full homeowner’s insurance cover, ensure you have included everything that needs to be protected, although most plans cover a variety of situations.

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