Quote Professor Blog

Anyone remember those grainy old black and white war films after the end of the Second World War? The bad guys were always shown to use dastardly measures to get information for captured soldiers! One of the favourite ones was dripping water torture. It all seems a bit naive today with the graphic portrait of violence, but it was based to some extent on fact.

One thing we are not naïve about today is protecting ourselves from the unexpected. That is why the popularity of home emergency cover has increased dramatically.

If you have ever found yourself being kept awake at night by a dripping tap, you will have some sympathy with those grainy old characters of old. Believe me, there is nothing more irritating than the drip, drip, drip of a tap. Apart from the annoyance factor, it is also telling you that it is worn out and will get worse. More to the point, it is telling you that it will suddenly just fail one day and will not be able to stop the flow of water!

Don’t torture yourself, simple cover yourself! A few pence per day for Complete Water Cover will assuage your fears and consign that dripping tap to those movies of old!

Riding is a great pastime and there is nothing like owning your own horse. However being the owner means you already have substantial costs for feeding and housing your horse. Have you ever given thought to how you might cope financially if the worst case scenario arose and your horse fell ill or suffered an accident? With this in mind you might want to consider taking out horse insurance.

Horse insurance in the most basic form would provide you with financial help in the event of your horse dying, being stolen or straying. The policy would typically pay out up to the sum insured and would also pay towards the advertising costs and reward to find it if it were lost or stolen. However you may also add in insurance to cover such things as vet’s fees. Vets fees can soon add up to a great deal of money and of course you could have to find thousands of pounds in costs yourself without insurance.

With insurance for horses behind you some if not all of the costs of medical treatment would be covered. You may also have peace of mind for third party liability, personal accident and protection for your tack.

Most of the service providers who offer insurance for vans and motorbikes also offer breakdown cover, so make sure you read the fine print thoroughly.

The categories which are covered by breakdown cover are cars which have been converted into vans and light vans. Most service providers, with some exceptions, do not cover pick-ups. One service provider gives you breakdown cover for pick-ups but at an extra £10.

The maximum weight, which is covered, is 3,500 kg while the length of the chassis ranges from 5.5 m to 7.5 m depending on the insurer.

In the past few years, the motorbike breakdown cover segment has seen growth as the there is an increased interest in biking. As most bikers know that it’s no fun being stranded in the sticks with no cover, which has resulted in motorbike rescue and breakdown cover becoming top priority.

There are many established players in this segment, who offer breakdown insurance and given the high level of competition in the market, their rates are comparable. The cost from the various companies ranges from £20 to £39 and if you shop around there are a lot of discounts and offers you could take advantage of.

Since most of the companies are very competitive, you would get pretty similar service levels from them. In the case of motorbikes, the breakdown cover gives you 24-hour assistance for a year and instead of a tow, the companies’ offer includes flatbed lorries to transport the bikes, if roadside repairs are not feasible.

Theft of mobile phones is on the rise and figures show that about 10,000 mobile phones are stolen every month in the UK. Besides there are others that are damaged due to careless handling or are lost.

Mobile phones today are several gadgets rolled into one and the convenience they offer is unmatched by any other. With built in camera, music and video player, and even internet applications, the gadget is truly an asset. Opting for mobile phone insurance cover is certainly a sensible thing to do to safeguard your asset.

Mobile phone insurance cover offers protection against theft, damage, loss, fraudulent calls, international cover, and sometimes, gives an extended warranty. A comprehensive mobile phone insurance cover that offers all of these is what most insurance companies provide albeit at different rates.

As in the case of car insurance or home insurance, what you need to look for while choosing mobile insurance is that the company should honor the claim. In the case of mobile insurance, the company should respond quickly to your claim and compensate you at the earliest because loss of mobile phone will throw your entire schedule and business out of gear. Most companies do promise to replace or repair the handset in about 48 hours.

The premium that you pay will fetch you most of the above-mentioned cover, but the catch is at that rate will you be compensated adequately for an expensive handset? That is where you need to use discretion and opt for mobile phone insurance cover according to your needs. A cheap cover may not be the right one for you if you own an expensive mobile phone.

Static caravans provide you with a holiday home away from home but they come with some cost involved for their upkeep. One of these costs is static caravan insurance. Fail to cover your caravan and you could end up losing a great deal money if the worst case scenario arose.

Taking out static caravan insurance is all about finding an affordable insurance policy with the benefits that you need included. Very cheap insurance may seem like a good buy but what if it does not provide protection for such as your awning, decking or patio. These are expensive things and if they are destroyed it could mean you are thousands of pounds out of pocket.

Does your static caravan insurance provide cover that would give you new for old replacements on any items stolen, damaged or destroyed? Some providers will offer this and others may take into account how long you have had the items and count in depreciation. Is your brand new top of the line caravan covered as new for old if it is stolen or destroyed under a certain age? These are just some of the things that you should check for in your insurance policy at the time of obtaining a quote.

No, we have not discovered some new kind of aromatherapy insurance, but on a serious note modern living and habits require that we maintain certain standards of cleanliness. This has become a socially accepted norm and woe betide anyone falling foul (sic) of its importance.

More and more people are realising the importance of home emergency cover to protect themselves against sudden, unforeseen events that can stall your lifestyle. Most of these are obvious ones, like leaking pipes and failed central heating. However, equally as important is our power supply, i.e. electricity. With modern trip boards, it is not always as easy as just replacing a fuse to correct matters.

A friend of mine recently had to stay off work for a couple of days using valuable holidays because her shower had failed. It is one of those things that are taken for granted until they stop working. No end of fiddling with the buttons on the trip board would get it to work, so she had to take time off work to get it fixed. 40 years ago, she would have just gone to work without a shower, but today’s conventions are entirely different.

Not only did she have to take time off work, she did not have home emergency cover so she had the double whammy of time off work and a big bill to pay, all for the sake of a few pence per day to cover these events.

Some people just love a slippery snake twirling through their hands and around their arms or like the idea of a lizard on the back of the couch and wandering around the house. If this is your idea of a pet as opposed to a cat or dog then you could want to insure your exotic pet with exotic pet insurance, to help towards the unexpected costs.

The majority of exotic pets come from far off exotic places and as such when in the UK they are more susceptible to illness and disease. If your exotic pet falls ill and has to visit the vet you could be in for a big shock when the bill is finally handed over to you. Consultations, treatments, tests and medication could run into hundreds of pounds and leave you wondering where to get the money. If you have exotic pet insurance behind you the policy usually pays up to a set limit of the costs. Depending on the level of insurance taken you may still have to pay a little towards the costs, but at least you have financial help towards them. The insurance could also cover such as the death, loss or theft of your pet and come with third party liability insurance.

We all like to show off from time to time. It starts from when we are little children up to when we are old. It is a natural trait of humankind the world over. We often show off and do not realize we a doing it. It can be funny, annoying and sometimes it can cost us dear.

I can remember years ago on a school holiday to the then Yugoslavia. We were in Dubrovnik, at the time, a poor city. We all had our wads of Dinar notes. I can not remember their worth now, as it was a long time ago, but I do know that just because they did not seem valuable to us, it was perceived value as far as the locals were concerned.

We walked down this street waving our wads on notes. After a few hundred yards, a teacher came up behind us and asked us to look behind us. There was a mob of angry looking young men. If looks could kill! We made a hasty exit with our chaperone.

These days, it is accessories that we like to show off and none more so than our mobile phones. Latest models are mini computers with correspondingly escalated values. In fact, spiralling values have made mobile insurance even more necessary. Despite knowing how valuable these handsets are, people still leave them lying around in public places, especially bars and pubs.

One of the most common claims on mobile insurance policies is for theft when left unattended in a public place. Sometimes our vanity is our worst enemy especially when it comes to expensive belongings.
You would never dream of leaving your wallet or purse on a bar and leave it unattended and yet this is exactly what people do with their mobile phones. Then they are surprised when they are stolen.

Fortunately, sensible people have their handsets covered by mobile insurance, but you should still keep your valuable assets hidden when you are not using them.

When it comes to breakdown cover, the majority seem to be opting for the cheapest cover available. Nevertheless, this is not the smart thing to do. What you really need to do, is to sit down and chalk out what your specific requirements are. Would you need just roadside assistance or would you require a recovery service? If you drive to Europe for a holiday, you would need cover in Europe.

The market is cut throat and the offers of breakdown cover from each company are worth scrutinizing. The ideal thing to do is to look around and try to find the best cover, which would suit your pocket as well as your needs.

The more established companies have come out with various packages for breakdown cover. Considering the competitive nature of the business, these companies are vying with each other for market share. Therefore, if you shop around and look at what the market has you will arrive at the cover that suits you best.

This recovery business has grown in the past years, as more people are moving out of their local areas for leisure and for business and therefore drive longer distances. This is a customer driven business and the consumer is reaping the benefit of the competition.

One of the easiest ways of checking out all the breakdown cover offers available in the market is to surf the internet. There are also mix and match facilities, so that customers can get the right mix of options and services, customised to your specific requirements.

Touring caravan insurance is something that has to be taken out for peace of mind against financial loss. It is also taken out to protect against liability claims against you if you were to injure someone or do damage to a third party’s property.

However, touring caravan insurance does not have to cost a fortune if you bear a few things in mind. One of things you may wish to bear in mind is that all insurance providers ask you to pay a certain amount of excess towards a claim on the insurance. This means that if a claim is made you put your hand in your own pocket and pay the sum of excess, then the insurance provider takes over and pays the rest of a claim. There is always a set amount of excess you need to pay but there is nothing to stop you from offering to add to this amount and pay more. If you do the chances are that the insurance premiums will be less each month. However, it is a gamble as if you choose a higher excess you have to find this money.

Finally, the more secure your caravan is, the less chance there is of it or your belongings being stolen and so the cheaper your touring caravan insurance might be. You could install a wheel clamp when your touring caravan is parked and a hitchlock may help to stop thieves from hitching your caravan to another vehicle and stealing it.