4 Ways to Protect Company Vehicles

By Wilkinson Lewis

In today's world, having a fleet of company vehicles isn't easy or inexpensive. Not only do you have to worry about what your employees are doing with your vehicles when you aren't looking, you have to worry about having enough money to replace the vehicles should they fail you. You can cut down on these worries if you follow a few rules and set some examples on how a company vehicle should be treated.

Make rules clear to employees and enforce them. If you do not want your employees using the vehicles for personal use, then be clear about that in your company handbook. If employees will be responsible for vehicle upkeep, make it a part of the rules. Anything that can save you from having to replace these cars due to lack of care or irresponsible actions should be set in writing and employees should provide signatures to acknowledge the rules.

Make sure you go over the rules with employees instead of relying on them to read the rules carefully. Also be clear about the consequences of breaking the rules. These should also be outlined and enforced. Letting one employee slide on the rules sends a clear message to the others that you do not take the company rules and policies seriously. You don't want to send that message, so always abide by the rules.

Conduct regular inspections on your vehicle fleet.You will not know how the employees are taking care of the vehicles if you do not regularly check them. Make it a point to give surprise inspections to weed out the employees that do not take care of the cars unless they know that you are going to be inspecting them. These employees may need to have their privileges with company cars revoked for some time.

Make sure that you provide a timeline of when the vehicles must be inspected and cared for by a professional mechanic. If your employee does not meet the deadlines, he or she should be reprimanded. Being strict about the care of your company vehicles can save you a lot of money from damage and neglect in the long run. This is especially true for those people who have small businesses.

Provide incentives to anyone who uses your cars to take great care of the cars. There are a lot of employees who do not do much unless there is an incentive to do so. At inspection time, you should give a reward to those employees who take good care of their cars. This may be by treating them with an appropriate gift or by giving them an opportunity to buy the car after so long.

The incentive to buy the car after a period of time typically makes employees who want to do so take better care of the car. You may want to offer the car after it has a certain amount of mileage on it or after so many years. You will probably see a big difference in the way your employees treat the company vehicles once they know that these cars could be their own for a discount.

Make sure you do not make yourself exempt from taking care of your own company car. When you are busy taking care of the company, it can be easy to neglect the company car that you drive. You must remember that you are setting an example for the rest of your employees in all of your actions. If they see that you are not taking care of the car that you drive, they may feel that you do not care about the care of the cars.

Send a positive message to your employees through your own actions and your words. Your employees will respond back in a positive way, and you will be protecting your investments.

Evans & Lewis Insurance was formed by two individuals with extensive experience in commercial vehicles and specialist motor trade insurances services. Their main goal is to provide affordable insurance to the motor trade sector which is free of hassles and different from other insurance companies. Road risk, truck and van, and motor fleet insurance are just a few things that Evan & Lewis Insurance can discuss with you to help you decide which is best for you and your business. Please give them a call for a quick quote at 0800 121 7401 or 01782 660590, or visit their website at http://www.motor-trade-insurances.co.uk.

5 Ways to Impress Your Boss Through the Use of a Company Car

By Wilkinson Lewis

In your personal life, the car that you drive can say a lot about the person that you are. It is the same in business. If your company vehicle is sloppy and falling apart, then people may think that you are untidy and irresponsible. You do not want to send this impression to your boss. There are a few things that you can do relating to your company vehicle that will send a favorable impression to your superiors.

Keep mileage as low as you possibly can. While this isn't always possible with certain jobs, if you can keep the mileage low, you will likely be able to keep the car in better shape for a longer amount of time. Try not to use the company car for personal usage or for other things that could be done without the vehicle. Show your superiors that you understand that the vehicle is not your own and you respect this fact.

Always stick to a maintenance schedule. Make sure the oil is changed regularly, and get into the habit of cleaning the car during the week to keep the inside nice and neat. Try your best not to keep the fuel too low in the car and remember to have the car checked over regularly by a trained mechanic. You should never work on the car if you are not authorized to do so.

Keeping up with the vehicle will show your boss that you respect the company and its property. This sends a message that you care about the success of the company and how the company is portrayed. It will also send a message about your responsible character and that you can be trusted to handle company property in a respectable manner.

Report any problems with the vehicle as soon as possible. Never ignore any unusual sounds or vibrations. If you ignore a seemingly small noise, that noise could grow and actually destroy the engine. You do not want to be responsible for any noticeable body damage, either. Report all unusual findings to the proper authority by way of official paperwork or other appropriate means.

This will serve to protect you, too. You do not want to be blamed for unreported damage to the vehicle. This could end up in a nasty battle in which you could be responsible for the repairs to the vehicle because you did not report the matter to the proper person in charge of such matters. Save a copy of any dated paperwork that you must submit to your superiors to show that you brought the matter to light.

Keep the vehicle as clean as you possibly can. It can be easy to get busy and throw anything that you have into the backseat or anywhere it is convenient for you. In certain weather it may seem senseless to wash the outside of the car, but grime does build up and may even stain a vehicle. How well the car appears to the public sends an important message about your company to the public and your boss.

Treat the vehicle as if it were your own.When people treat something as if it was their very own and they would not have a chance to replace it, they tend to take better care of it. Think of your company vehicle as your last. You want to make the vehicle last for as long as possible and get the most out of it. You will be saving the company lots of money by not having to replace the vehicle, and you will be sending a loud and clear message to your boss that you care about the company.

Evans & Lewis Insurance was formed by two individuals with extensive experience in commercial vehicles and specialist motor trade insurances services. Their main goal is to provide affordable insurance to the motor trade sector which is free of hassles and different from other insurance companies. Road risk, truck and van, and motor fleet insurance are just a few things that Evan & Lewis Insurance can discuss with you to help you decide which is best for you and your business. Please give them a call for a quick quote at 0800 121 7401 or 01782 660590, or visit their website at http://www.motor-trade-insurances.co.uk.

Staying Safe Abroad - Countries to Treat With Care

By Patrick Chong

There will no problem insuring your holiday if you're off to sunny Spain or sophisticated France. The insurers will be more than willing to offer comprehensive policies, because they understand the risks are fairly minimal. However, you will find it much harder to secure a policy if you are visiting the dangerous countries listed in this article.

Somalia

The effects of enduring famine and civil warfare have unfortunately, devastated Somalia. A group of militant Islamists have dominated the capital city, Mogadishu, for some time and great numbers of civilians have lost their lives in the savage battles in the northern region. It is little wonder that the FCO have advised against travel to any parts of this country.

South Africa

There are a number of travel companies offering tailored South African holiday packages. They include visits to world-class attractions such as Johannesburg Zoo and the Two Oceans Aquarium. However, do be aware you may have difficulty insuring your holiday to South Africa because crime rates are particularly high in this part of the world.

Colombia

You may be tempted by the thought of exploring the historic streets of Categena and the awe inspiring Santa Marta mountains. However, be aware you may struggle to find a company willing to go ahead with the process of insuring your holiday to Colombia. One reason is the considerable risk of kidnappings in this country, and there have also been reports of warfare in the cocaine growing regions. Having said that, it has become increasingly safer to travel around Colombia in recent times, so make your decision based on all the facts at hand.

North Korea

It is perhaps unsurprising that there is a lack of advertisements for holidays in North Korea. It is known that the communist dictatorship exerts strict control over the people. In terms of tourism, it has been claimed bugs have been set up in the hotels and that people who do not fall into line with the national rules are treated extremely harshly. However, thousands of inquisitive tourists ignore the warnings and spend holidays in North Korea every year so once again, make your own informed decision.

Russia

Insuring your holiday should be a relatively easy task if you are planning on visiting the tourist areas of Russia. However, you are advised to stick to the popular attractions such as the Moscow Zoo, Gorky Park and Kizhi Island. Individuals who are tempted to venture beyond the tourist path are at risk of kidnapping and violent attacks. The risks are particularly high in Chechnya.

Afghanistan

It is a real shame the beautiful country of Afghanistan has been plagued by almost continuous warfare in recent years. However, it is hoped that the country will enjoy some stability and that keen explorers will have the opportunity to experience the beauty of Pamir Mountains and Tora Bora in the not-to-distant future. For now, however, tread very carefully and consider the very serious risks.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for insuring your holiday, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.

Marine Underwriters and Wharfinger's Liability Insurance

By Jeremy P Stanfords

When most people think of insurance for the marine and shipping industry, they think of vessels on the water and the cargo that they carry. While the shipping industry receives a lot of visibility and attention, there is more to day-to-day shipping operations than watercraft traversing seas to a delivery destination. The same marine underwriters who can provide hull insurance and marine insurance are also instrumental in helping wharfingers protect themselves against a variety of claims that take place as a result of business activities.

Wharf Operations
Activities abound at wharf and dock facilities where vessels are loaded and unloaded daily. Ships come into port and rely upon stevedores and other shore-based personnel to organize and load cargo onto vessels in keeping with their manifests and container delivery orders. These ships also need to refuel and restock their supplies before the next time they venture out to sea. Workers are responsible for loading the waiting cargo that has recently arrived from trucks, containers and railcars onto the vessels when they come into port. This involves small and heavy equipment operation, such as loaders, forklifts and cranes. Conveyors are also used in transporting cargo from the docks to the ships and barges. Vessels tie up at the wharf for a short or long period of time in between arrival and departure. Some require repairs, while others just need a place to stop and wait for new cargo to arrive and be loaded before they can leave on their next voyage.

Incidents
Since wharves and docks are busy places, there are often a multitude of different activities for various vessels happening at the same time. While one crew is loading a container ship, another may be unloading a barge. Even with strict attention paid to safety regulations and company procedures, incidents and accidents do sometimes occur. They may involve personal injury, unmanned breakaways and equipment failures causing damage to cargo and vessels.

Claims
While most vessels have their own marine insurance for incidents and accidents, sometimes wharf owners find themselves involved in claims regarding damage to cargo, equipment and ships at or on their docks and facilities. They may need insurance available through marine underwriters to cover claims for wreck removal, cargo damage and equipment replacement. Custom liability insurance policies can be created to offer peace of mind to wharf owners which will cover unexpected issues that may arise in day-to-day operations.

Author is a freelance writer. For more information on hull insurance please

What Is Pollution Liability Insurance?

By Jeremy P Stanfords

Marine-related operations often have unique insurance policies to provide protection in the event of a problem. They are typically covered with liability and commercial marine insurance for ships and for ground-based operation locations, such as docks and warehouses. One element that usually involves a separate policy or a rider is pollution liability insurance.

The Basics
Companies using marine vessels for transport of people and products are always at risk for causing pollution on the water. This can come from fuel, leaks, items lost overboard and various types of discharge into the sea. For shoreside operations, facility discharges, machinery sinking at the docks or equipment falling into the water can also be the root of contamination. There are various types of regulations from international and domestic legislative bodies regarding what can and can't be discharged into the water. Infractions involve fines, sanctions and clean-up requirements. Marine vessels and companies involved in maritime operations are required to carry various types of insurance. While some liability policies cover pollution, many do not or they don't cover enough to provide for clean-up in the event of a collision or spill. Marine pollution liability insurance typically offers protection for fishing and marine vessels such as commercial ships, crew boats, passenger carriers, floating dry docks, barges and tugboats.

What Is Covered?
Pollution is a hot topic and is closely followed by governmental agencies, worldwide organizations and consumer groups. With the number of regulations regarding pollution widespread, any infractions linked to a company's maritime operations are sure to lead to legal expenses to defend lawsuits and for the manpower needed to respond to investigators. Even where there is no wrongdoing, a company may need to spend a significant amount of money proving their innocence. There are also large fines which can jeopardize a company's ability to stay afloat. One of the most costly elements of pollution is the clean-up process. An oil spill, for example, involves removing the product from the water as well as recovering and rehabilitating the birds, animals and marine life affected by the sheen. Environmental impacts are typically covered by marine pollution liability insurance. Consulting with an insurer over the specific types and amounts needed can prevent future financial losses and the inability to continue daily business operations should there be a mishap.

Who Needs It?
Any company involved in maritime operations should carry it. While responsible owners try to avoid any environmental impact through spills, leaks and regular travel in day-to-day use of vessels, accidents do happen. Those operating equipment or machinery on the water or on the docks should consider a policy beyond general liability.

Author is a freelance writer. For more information on commercial marine

3 Key Things to Remember When Buying Holiday Cover

By Patrick Chong

If you are planning a holiday this year, you're probably already thinking about all the things that you will see and do. However, amidst all the excitement of planning there's one very important thing you should not forget: travel insurance.

Holiday cover is an essential purchase. If something goes wrong while you are away and you are not insured, you could end up paying a small fortune. This is especially true for any medical attention you may need. So don't take the risk. Here are three things you should always keep in mind when choosing a policy.

1. Always Read the Small Print

Small print is always important, but it is especially important when it comes to holiday cover. If you don't read through the insurance terms in detail you may think something is included when it is not, so always take the time to go through it in depth.

If you have any questions, ask your insurer before you purchase your policy. There will normally be an email address or phone number you can use to contact them. Don't make any assumptions and check over everything to make sure that you understand.

2. Inform Your Insurer of Any Pre-Existing Medical Conditions

Pre-existing medical conditions are one of the potential difficulties when it comes to buying your insurance. If you have any kind of medical condition, or you have recently been treated in hospital, it is best to play it safe and inform your insurance company.

Different providers may have different conditions so you need to spell it out. Most will have some form of medical declaration or questionnaire you can fill in, and you can also contact them directly to make sure that you will be insured with your particular medical condition. Never take a chance on this point, because if you are not insured for your condition and you end up requiring medical care, you could end up with a large bill.

3. Check the Cover Limits

Every insurance policy will have maximum limits for how much they will pay out in the event of a claim. For example, if you need to claim for medical treatment, you may have a limit of £5 million. But you will also have a limit for cancellation costs and money that you lose if these are covered on your policy. Make sure you know what these limits are before you go away. You don't want to find out at the moment of making a claim that you did not have enough cover.

Also find out about the per-item limits for your holiday cover. For example, you may be covered up to £1,000 for personal goods, but there may be a per-item limit of £200. If you lose an expensive diamond ring, this may not therefore be covered for the full amount and you may want to take out an extra insurance policy for it.

Get Covered

Make sure you get suitable holiday cover when you go away this year. It doesn't take long to find a suitable policy, and the above factors will help you choose the right one. Once you have found a policy, you can then focus on enjoying yourself with complete peace of mind.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for your holiday cover, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.

The New Term Life Insurance Plans VS the Old Term Life Insurance Plans

By Tom A Goldtrap

Hello, and congratulations on your decision to investigate further into the "new" term life insurance plans VS the "old" term life insurance plans. In the following paragraphs, I will divulge the reasons why this information could benefit your family financially, and give you peace of mind and possibly save you a great deal of money. Don't we all need that?

The first and foremost reason why it may be of great benefit to you to look into the "new" term life insurance plans, is that people are living longer. This has caused the "mortality tables" that life insurance companies use to calculate rates, to show a lower number of deaths per thousand at the different ages of people in the mortality tables, which consequently has caused lower term life insurance rates, due to the decreased risk to the Insurance Companies, make sense?

Another reason, is that there are some companies out here that are now including "living benefits" in the "new" term life insurance policies, at no additional cost! These benefits include access to some of your face amount if you should come down with critical or chronic illnesses, such as heart attack, stroke, cancer, etc. which would cause you to be unable to perform 2 of 6 of the "activities of daily living", such as Feeding, Bathing, Transferring, Toileting, Dressing, Continence. If a medical doctor diagnoses that you cannot perform any two of the activities listed, you will be able to access dollars from your "new" term policy, to pay for home care or nursing care, you see, the check is sent directly to you, the owner of the policy. This means that if you prefer a family member to take care of you, your wish is granted. This coverage cannot be called "long term care" insurance however. But you decide if it is similar or not.

A lot of people are also paying for separate policies for critical and chronic care, and it is up to the individual as to whether they continue to carry these types of policies, because if you need to access your term face amount, it will of course reduce the life insurance payable at your death. But at least the "new" term insurance plans give you a choice, the "old" ones only pay if you die, period.

So I hope you can see why it is to your benefit to get a comparison, you have nothing to lose. You can even request the comparison on-line. A detailed comparison can be sent by e-mail and there is really no need to have an agent visit you unless that is your wish, and that's not what most of us wish for!

However, once you have a chance to see how much money you can save, how much more coverage you can provide for your family, and how many more living benefits you can receive, it will be well worth your time to look it over!

Thanks so much for reading, and I hope this information benefits you greatly!

If you agree that it may benefit you to look into the "new" term life insurance plans, I urge you to contact your agent for a free, detailed, comparison today. If you've lost touch with your agent, I will be glad to provide you with a quote by email at no cost or obligation to you. If you are shopping for term life insurance for the first time, call or email me today, and I will be happy to provide you with a detailed quote for this fantastic product.

How Necessary Is Travel Insurance for Family Holidays?

By Patrick Chong

Many people find they're counting the pennies at the time they book their annual family holiday, and perhaps even more so as their departure date appears on the horizon. If you're looking for a few economies, it's perhaps perfectly natural to start wondering about whether or not you really need to invest in travel insurance for family holidays or if you can get by without it.

Let's have a look at the issues involved.

Medical costs - European Union

If you're visiting a country of the European Union and have a European Health Insurance Card (EHIC - freely available from the NHS), you'll be entitled to emergency cover on the same basis as the citizens of the country you're in. Try to remember, though, that won't cover things like medical repatriation, should you need it, or the costs of your family members being forced to stay on longer than planned. You'll need medical cover to help cope with those and other similar related costs.

Medical costs - Outside of European Union

In countries outside of the EU, such cover might be even more essential. For example, in some parts of the world, if you're ill and need medical attention, unless you can prove your ability to pay through cash or an appropriate policy the medical consequences might be truly horrific.

Non-medical costs

When you're on holiday, it's a sad fact that you're also at additional risk in certain areas.
If you don't know, you should be aware that, whether in the UK or overseas, there are specialist thieves and criminals that target holidaymakers. Luggage or personal possessions can be stolen and you'll need to live with the cost of replacing them unless you have some form of travel insurance. For family groups this is even more important.

Then there is simple misfortune. What would happen if you'd paid for your tickets and accommodation but then were forced to cancel at the last moment, due to personal illness or that of a close family member? What would happen if your airline or holiday company collapsed? Would you have the finances to cope with needing to replace your luggage if it had been lost en-route?

It's tempting to sometimes think that such situations would be dealt with by 'someone else', but would they? As an illustration, if you've booked a hotel privately and find upon arrival you're double-booked or that it has closed down, you may find it very hard to progress a claim against them.

Peace of mind

When you go away, it's a fair bet that you're hoping to achieve a degree of tranquillity and peace of mind. Sitting around worrying about what might happen if, for example, you're forced to cancel your trip, and the financial hit you'll take in writing off the expenditure to date, won't help you to achieve that.

In essence, that's why travel insurance for family holidays is important even if you don't need to call upon it - the provision of that peace of mind.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel cover and offer a range of policies including annual, multi-trip, single-trip and travel insurance for family holidays. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Holiday Cover - Necessity Not Luxury

By Patrick Chong

Having booked your longed for break abroad, dusted off your passport and sorted out the suitcase, the last thing on your mind will be that anything could go wrong on your trip. But things can and, inevitably, do!

One of the first priorities to consider after your tickets are booked is to get holiday cover signed, sealed and paid for before you take one step further out of your home. Buying an appropriate holiday cover policy from a reputable insurance company could be the best investment you ever make, and you may well be surprised at how affordable it can be.

Don't leave home without it

Whether it's a single trip policy, a policy to cover all the family, or even an annual policy to cover you for the entire year, the price of insurance can often be far less than you expect - and far more valuable than you could ever imagine.

Most of us don't like to think of the "What happens if... " scenario, but unfortunately what "happens" tends to be when we are at our most relaxed - on holiday. If you're in an accident abroad the medical expenses incurred can be nothing short of crippling, but even if we're just talking lost luggage, taking holiday cover enables you to relax that little bit more. You'll know your insurance policy is there to back you up - whether it's a trip, fall or something bigger.

The key is knowing the insurer will be there 24 hours a day, seven days a week, and that they are providing the best available services to you and your family. As long as the policy encapsulates everything you may encounter, you're home and hosed.
Choosing the right policy

Sourcing a good insurer is one thing, but getting the right holiday cover policy is the next hurdle. Read the small print of potential policies, query anything you are unsure about, check out the medical expense limits and know that the cover extends to any adventures you want to get up to. For example, does the cover exclude dangerous sports in case you want to bungee jump on the spur of the moment? Making a rash or spontaneous decision on holiday could be expensive if you find the policy excludes the pursuits you want to take part in.

Ensure the policy has sufficient medical insurance as well as provision if you have to cancel the holiday due to any unforeseen issues, such as a death in the family or you are suddenly made redundant. Ask your insurer questions: how much they will pay out on luggage delay and loss of personal belongings; whether you will be compensated for flight delays; and what will be your personal liability if you happen to cause an accident.

Understanding other elements, such as excess, how it works and what countries you won't be insured in, are also worth checking out. But with all these aspects considered, you should be able to travel in confidence and enjoy your trip abroad.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for your holiday cover, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.

Boat Insurance to Secure Your Boats

By Craig Chamberlain

Insurance, in any form, is a blessing in disguise! It safeguards you and your possessions in times of need and distress. Hence, entities and possessions that are invaluable and priceless to you must be insured well ahead in time. An insurance policy will ensure that you or your priceless entity is secure and covered during mishaps, thefts or other incidents. Insurance comes in all forms. Whether it is insuring your own body parts like eyes, kidneys, lungs etc or insurance of your house; whether it is the insurance of your own life so that your family members can get monetary aid when you are not with them or insuring your car or boat to protect in case it gets damaged due to accidents or theft; all types of insurance exist and are very much in demand by the futuristic people. Providing incomparable and immaculate boat insurance quotes and boat insurance policies to people for safeguarding their belongings (especially boats), is insurance companies!

Facts about insurance quotes:

Just like any other kind of insurance, the expensive and articulate boats and ships too can be insured. If you are a proud owner of a lavish boat or a ship or a yacht or a sail; then you should not go anywhere else other than insurance companies for getting the best insurance quotes and availing the most customer friendly sail boat insurance and other boat insurance policies.

Now you can keep your boats and sails in safe hands and under all time coverage by purchasing the sail boat insurance policies and benefits from insurance companies. This renowned boat policies organization will facilitate you with a range of economical insurance quotes that will certainly not burn a hole in your pocket and can be availed with other perks as well.

Tips and tricks for getting the best insurance policies:

When you are on the mission of availing the best boat insurance, it can be a very confusing and challenging task. Keep the following tricks and points in mind to sail successfully in the insurance sea:

• Always compare and contrast the boat protection quotes and prices of the insurance policies being offered. Initially, you might be tempted by the extremely cheap rates being offered. But don't get lured by what you hear. Scan through the terms as well as conditions vigorously before purchasing the policy.

• Try to hire or be in touch with a lawyer before you buy sail boat protection. A lawyer will help you in understanding the legal terms and complications, so that you are sure what you are investing in.

• The skilled professionals at companies will also guide you through the entire process. You can rely on their experience and expertise. You can even get an insurance policy customized according to your requirements and budget.

The best boat insurance quotes plans with companies!

The coverage for protection provided by this esteemed boat insurance company has wide variations to suit your each and every need. Be it coverage for the physical damaging of your boat or your personal belongings; medical liability insurance to boat liability insurance, spillage and salvage coverage or commercial towing; all kinds of insurances and coverage can be purchased from a one stop shop of boat plans and policies.

Keep your boat insured and covered in adverse conditions by taking the best boat insurance plan that suits your requirements. Get it customized by visiting their website online at http://marinersins.com/ or by talking to their exceptionally hospitable executives. They will make sure all your worries and concerns are addressed in the best possible way and you will surely be a happy customer who will keep visiting them for more!

Boat Insurance to Secure Your Boats

By Craig Chamberlain

Insurance, in any form, is a blessing in disguise! It safeguards you and your possessions in times of need and distress. Hence, entities and possessions that are invaluable and priceless to you must be insured well ahead in time. An insurance policy will ensure that you or your priceless entity is secure and covered during mishaps, thefts or other incidents. Insurance comes in all forms. Whether it is insuring your own body parts like eyes, kidneys, lungs etc or insurance of your house; whether it is the insurance of your own life so that your family members can get monetary aid when you are not with them or insuring your car or boat to protect in case it gets damaged due to accidents or theft; all types of insurance exist and are very much in demand by the futuristic people. Providing incomparable and immaculate boat insurance quotes and boat insurance policies to people for safeguarding their belongings (especially boats), is insurance companies!

Facts about insurance quotes:

Just like any other kind of insurance, the expensive and articulate boats and ships too can be insured. If you are a proud owner of a lavish boat or a ship or a yacht or a sail; then you should not go anywhere else other than insurance companies for getting the best insurance quotes and availing the most customer friendly sail boat insurance and other boat insurance policies.

Now you can keep your boats and sails in safe hands and under all time coverage by purchasing the sail boat insurance policies and benefits from insurance companies. This renowned boat policies organization will facilitate you with a range of economical insurance quotes that will certainly not burn a hole in your pocket and can be availed with other perks as well.

Tips and tricks for getting the best insurance policies:

When you are on the mission of availing the best boat insurance, it can be a very confusing and challenging task. Keep the following tricks and points in mind to sail successfully in the insurance sea:

• Always compare and contrast the boat protection quotes and prices of the insurance policies being offered. Initially, you might be tempted by the extremely cheap rates being offered. But don't get lured by what you hear. Scan through the terms as well as conditions vigorously before purchasing the policy.

• Try to hire or be in touch with a lawyer before you buy sail boat protection. A lawyer will help you in understanding the legal terms and complications, so that you are sure what you are investing in.

• The skilled professionals at companies will also guide you through the entire process. You can rely on their experience and expertise. You can even get an insurance policy customized according to your requirements and budget.

The best boat insurance quotes plans with companies!

The coverage for protection provided by this esteemed boat insurance company has wide variations to suit your each and every need. Be it coverage for the physical damaging of your boat or your personal belongings; medical liability insurance to boat liability insurance, spillage and salvage coverage or commercial towing; all kinds of insurances and coverage can be purchased from a one stop shop of boat plans and policies.

Keep your boat insured and covered in adverse conditions by taking the best boat insurance plan that suits your requirements. Get it customized by visiting their website online at http://marinersins.com/ or by talking to their exceptionally hospitable executives. They will make sure all your worries and concerns are addressed in the best possible way and you will surely be a happy customer who will keep visiting them for more!

There Are Different Types of Marine Insurance

By Kirti Saxenaa

The fact is that any international business has numerous risks associated. Especially, importing and exporting of goods can expose you to immense economic losses, in case; the international shipments are damaged or smashed in shipment. Thus, for the protection and safekeeping of your cargo and for the fast retort and competent service for handling your claims, you need marine policy cover.

This policy caters to the needs of both the importers and exporters and the coverage is inclusive and flexible with international shipments protected from the time the goods depart from the seller's depot until they reach the buyer's storehouse. However, did you know that there are different types of marine insurance policies? According to the needs, requests and specifications of the transporters, an appropriate type or types of policy cover can be narrowed down and selected to be given for operation. Depending on the nature and range of your business, you can opt for the best plan. There are different options, you can choose from; the significant ones being:

Cargo Insurance: Cargo indemnity caters particularly to the freight of the ship and is also valid for the possessions of a ship's travellers.

Hull Insurance: This cover chiefly caters to the trunk and hull of the ship together with all the pieces and portions of furniture in the ship. This type of policy is mostly taken out by the possessor of the ship so as to keep away from any loss to the ship in case of any mishaps occurring.

Liability Insurance: In this policy the recompense is required to be supplied to any accountability taking place owing to the crash or collision of the ship because of any other persuaded attacks.

Freight Insurance: It offers and provides safety to merchant vessels' corporations, which stand a chance of losing money in the form of shipment, lest the consignment is misplaced because of the ship meeting with a mishap. This indemnity solves the trouble of companies losing money because of a few first-time events and accidents.

Along with these, there are also several other types of policies, offered by various companies in order to provide you the flexibility. The accessibility of an extensive array of marine insurance policies gives you a wide arena to choose from; thus, you can get the best deal for your ship and cargo. Remember, having a good policy resolves your problem not just in the short run, but also in the long run.

Hawaiian TV News - Stolen Kayak, Surfboard Through Window of Car On the H1

By Lance Winslow

Not long ago, I was discussing watercraft and boat insurance with an insurance agency owner in Kailua Hawaii, I guess he noticed I was wearing a Kailua Canoe Club sweat shirt. We discussed some of the types of water toy, boat, and marine businesses he insured. He noted that everyone who owned a jet ski was required to have a license for it, and insurance. If no proof of insurance, it could be confiscated by the authorities, but more importantly, if it was stolen you'd eventually get it back if it was duly registered with its identification number.

This all made sense to me, and as I was thinking about it later that night I saw on cable TV where someone had stolen a kayak out of the back of the owner's pick-up. It had a sticker, and the owner provided a digital picture of it, this was broadcast all over Oahu. Think about it, where are you going to go, it's an island, you can't go anywhere with it, and I don't know anyone who has ever paddled a kayak to the mainland or anywhere away from that island chain. It's a lot like the FBI's Most Wanted List at the Post Office, or the Child Predator shows on TV, and mind you the TV put this on the airwaves free of charge for a mere kayak, maybe worth $600.00 but not much more than that for sure.

The next night on the same cable station was a story whereby a car driving down the main freeway in Hawaii (The H1) and as it passed under an overpass suddenly a surfboard came through the window. Luckily, this rare event didn't kill or injure anyone, but the freeway became closed to the frustration of all motorists. Was there an altercation on the overpass between young surfers? Was the surfboard accidentally dropped? Do you think it was a stolen surfboard? Lastly, I don't imagine that the owner of the surfboard had insurance for it.

Nevertheless, I bet the Mercedes SUV owner had some sort of uninsured motorist insurance, I wonder if flying surfboards without insurance counts? Maybe I'll ask my new insurance acquaintance what happens in such an event next time I see him. The reality is you just never know what might happen - just that it might, and you'll need insurance at some point. Indeed, I hope you will please consider all this and think on it.

Lance Winslow is an Online Author, his latest Small Business eBook about Boat Detailing.. Lance Winslow is semi-retired and Founder of the Online Think Tankhttp://www.WorldThinkTank.net - You may contact Lance Winslow by email for dialogue, discourse, discussion, or debate on interesting topics.

Top 5 Innovative IT Insurance Services

By Alexey SaltykovCo-Author: Jessica Mineau

INNOVATIVE IT INSURANCE SERVICES IN A CONSERVATIVE INDUSTRY?

While insurance is not known as an extremely innovative or exciting industry, new technology has created a platform for a number of exciting insurance information technology (IT) services for both consumers and insurance providers. Here we provide an overview of the top 5 innovative IT insurance services.

#1: PAY AS YOU DRIVE

Pay-as-you-drive insurance calculates premiums according to an individual's driving profile, rewarding secure driving while tracking and increasing premiums on dangerous driving styles. Drivers who constantly speed, brake suddenly or drive in bad weather conditions (e.g. snow, rain) find themselves paying higher premiums than those who follow the rules of the road. A "black box" device installed in the car tracks key parameters of the journey and transfers the data to the insurance company, who then regulates the premium rate.

Some insurance companies already offering simplified versions of Pay-as-you-drive solutions:

• Aviva
• Hollard
• Allianz Lloyd Adriatico

Companies such as Accenture are intensively research this topic to be able offer new solutions.

#2: SOCIAL BENCHMARKING

Online insurance quote platforms, such as Kanetix, all offer access to a limited number of insurance providers, allowing consumers to analyze only a subset of prices, which are based on the insurance provider's data.

Social benchmarking of insurance premiums offers independent, consumer-generated data across all insurance providers. As consumers share information about their insurance spending, they can access the collective experience of other consumers, identifying if they pay too much and who offers the best prices for peers with a similar insurance profile.

An example of such a service is the InsurEye Peer Comparison tool, which covers not only spending information for online insurance products (20%-30% of the total market), but also for insurance offered directly by insurers, brokers, and agents.

#3: ONLINE POLICY MANAGEMENT

Online banking has become the norm, but online insurance management? Personal banking finance management tools and other useful online IT services are available for consumers for free. Finally, the insurance industry has started to close the gap. Now many insurance providers offer online and mobile tools to help consumers to manage their policies and provide customer support. One example is TD Insurance, which offers an online service allowing customers to perform many tasks on their own, eliminating the need to call a service line. Examples of such tasks are:

• Modify contact information
• Modify a car policy
• Modify a Home Policy
• Modify a payment plan
• File a claim

A number of insurance providers both in Canada and the United States offer such tools for their customers e.g. TD Insurance, Nationwide, USAA, and more.

#4: MOBILE DEVICE CLAIMS

Collisions don't happen while you are sitting at home in front of the computer. Instead, many insurance companies have developed solutions to help customers deal with their collisions and claims situations on their mobile devices. Typical example of mobile application offers customers many handy functionalities reducing headaches in case of an accident. A typical set of features for such an IT solution includes:

• List of tips in case of an accident
• Capture all required accident info (incl. photos)
• Find / order towing service
• Find a repair shop
• Initiate a claim process
• Check claim status
• Find an insurance agent

Such apps are usually free and users can start using them directly after downloading from an app store. Especially useful is the ability to take a picture of an accident to document what exactly happened and estimate the potential level of damage.

#5: ADJUDICATION FROM A DISTANCE

If you've ever had a road accident, you surely know the range of emotions you experience: fear for the own health and those who are in the car, concerns about financial impact on future insurance premiums, not being sure what to do and in what order, dealing with police, towing services, another car driver etc.

Some companies, e.g. RBC Insurance, have so-called Road Angels - insurance experts who physically arrive at the accident location to support the customer.

Instead of sending an agent to a scene, IT insurance services could potentially provide long distance assistance via video. Modern smartphones are capable of transmitting two-way video, making it possible to show an insurance expert what has happened, and at the same time making the customer feel more secure.

Videoconference providers such as Skype already offer these technical functionalities, and Apple has FaceTime, a new video chat for its iPhone users. It's likely only a matter of time before this technology results in a mature IT insurance service.

Alex Saltykov and Jessica Mineau

Alexey is a Co-Founder and CEO of InsurEye Inc http://www.insureye.com. Alex spent years advising insurance clients both in North America and Europe while he was working for one of the leading management consulting companies. His areas of expertise are insurance, innovation, IT and operations.

InsurEye Inc. is a Canadian company that offers people transparency and insights around insurance using modern technology.

Our new tool InsurEye Peer Comparison will show you what your peers across Canada pay for their insurance. This way you understand if you overpay and what insurance providers you should choose to save on insurance!

Vision Insurance Information for Your Family

By Nelson McWilliams

Being responsible for a family can include a plethora of tasks and can take up much time to organize all the insurance policies and papers to ensure that every family member has access to medical, dental, and vision care when it is needed. Finding a good family insurance agency is important to the family as a reputable insurance company will help the family to have protection over assets, property, life insurance, and quality health insurance.

Many people assume that dental and vision insurance fall under a good health insurance plan. In some cases, this is true; but this is not always the case. Speaking with your insurance agency will help you to be more informed on exactly which plans are offered and which ones you are currently covered on. Just because a person has medical insurance does not mean that he or she also has dental and vision insurance. A person can also have dental and vision insurance without having medical insurance.

Some people will have access to vision insurance through their employer. Each health plan offered by varying companies differs in one way or another. One health plan may offer the option of the employee selecting medical insurance without having the option of dental or vision insurance. Another health plan through a place of employment may include medical, dental, and vision all in one package. And yet another health plan may offer three separate choices of medical, dental, and vision and allow the employee to pick and choose which ones he wants for himself and his family.

Taking the time to speak to your private insurance company and asking your human resources department at work about the available vision plans can help you to decide which type of vision plan will meet the needs of your family on the budget that you have to work with. There are basic and advanced vision plans that many insurance companies offer. Basic plans will typically include eye exams, contacts, and one set of glasses per year. Advanced vision plans can cover more serious treatments such as treating glaucoma and laser surgery.

A family vision insurance plan can be beneficial for everyone in the family, even if no one in the family currently wears glasses or has eye problems. Long term care on a consistent basis and regular eye check-ups can help to ensure that the members of your family are being well cared for in their vision area. Many times, issues will arise unexpectedly that will require a person to begin needing glasses or extensive eye exams. Vision insurance only costs a few dollars a month per person under most insurance plans and a vision policy, whether through a private insurance agency or through your work insurance, can help to protect and care for your family's eye needs. This will be extremely beneficial on a long term basis and preventative check-ups can help to prevent more serious eye problems from occurring in the near or far future.

Been To An Eye Appointment Recently? Expensive!

By Lance Winslow

Not long ago, I was talking to a very nice lady who noted that she had laser surgery done some 10 years ago. She now seemed to have what are called "floaters" underneath the lens of her eye. She was worried about that so she went in and scheduled an appointment with the eye doctor, and he confirmed that this was quite common, and these floaters would eventually go away, not to worry about it. That was good news for her, although her appointment cost her $275 to discover this, after a mere 15 to 20 minute visit, and one hour wait in the waiting room.

She didn't have eye insurance, and she was unsure if she could get eye insurance now due to the fact that she had a pre-existing condition, and she already had laser surgery 10-years the prior. Still, you may be surprised that you are still eligible for eye insurance in this case, even if new ObamaCare mandatory insurance purchase for your personal healthcare doesn't cover this, oh you didn't know that, too bad the Congress didn't read the bill before they signed it?

Eye insurance is an add-on type of insurance, or you can get it a la carte. You might be surprised to learn that your employer offers eye insurance, and all you have to do is check off the box and they will deduct the premiums from your paycheck each month.

If you do end up with some sort of on a problem and you don't have insurance for your eyes, you won't believe how much it's going to cost, it could easily run you tens of thousands of dollars before you even realize what happened. Sometimes if you are involved in an auto accident, and your eye injury is caused by the accident, you might be covered, although there are some things auto insurance will pay for, and some that won't. You might want to look into that to make sure that you are covered in this case, but also for yourself and your family. Losing eyesight is about one of the worst things that can happen to someone.

No, I'm not trying to scare you, I'm just being blunt with the reality of the situation. There are plenty of people that sell insurance for the eyes that are out to scare people of all the potential eventualities that can cost them their life savings. That's not what I'm suggesting, I am merely advising you to go look into it, and know what you are dealing with in advance, just in case. Indeed I hope you will please consider all this and think on it.

Lance Winslow is the Founder of the Online Think Tank, a diverse group of achievers, experts, innovators, entrepreneurs, thinkers, futurists, academics, dreamers, leaders, and general all around brilliant minds. Lance Winslow hopes you've enjoyed today's discussion and topic. http://www.WorldThinkTank.net - Have an important subject to discuss, contact Lance Winslow.

Caring for Your Vision - When and Why

By Shyam A Sunder

Vision insurance is a supplemental benefit and usually taken along with the major medical insurance policy-the one that covers you for doctor visits, hospital stays, diagnostics and surgery. Vision insurance is generally given as a group coverage and is difficult, not impossible, to obtain at a reasonable cost as a stand-alone. Usually dental and vision insurance go together.

So should you have vision insurance?

Before I answer that, let me tell you why vision testing and treatment is important.

According to the Center for Disease Control, the premier government health agency, approximately 11 million Americans 12 years and older have impaired vision. Over 3 million Americans over age 40 are legally blind or suffer from low vision.

Other than the fact that eyesight is one of the most important functions for humans, you should understand that our eye and the placements around it--the capillaries, focusing and receiving mechanisms etc. --are built in a very complex formation.

Here is what your eye insurance or vision insurance should cover at the minimum:

1. Eye exam

The most commonly covered vision basics are annual eye examinations where there is a complete evaluation of the eyes, including tests for eye health and a refraction to determine the need for glasses.

2. Vision correction

This involves ensuring you are properly fitted with right types of glasses--b or tri-focals, reading glasses, glasses for distance etc.

3. Medical condition related vision exam

This could involve lack of oxygen in the eye area due to excessive sugar in the blood. This can affect your vision and eye muscle

4. Other medical conditions

This includes cataract, glaucoma or retinal disorders. They should be checked and if surgery is indicated, covered by insurance.

As you can see, there are many types of conditions that, depending upon your age and medical history, you need covered. Unfortunately, most vision insurance policies will only cover vision examination and partially cover medical condition related treatments. However, you can shop around.

Also, look at higher deductible policies. They may actually be better for you if they have expanded coverage for medical condition related treatments.

Next, be choosy when picking your eye doctor. Know the difference between Opthalmologist, Optometrist and Optician. An Opthalmologist is an eye doctor. He or she has an MD with nine years of medical education and can not only diagnose but treat even severe conditions including eye surgery. An Optometrist is a diploma holder with 4 years of medical education and is limited mostly to diagnosis of eye related conditions.

Insuring Against Vision Impairment and Loss

By Shyam A Sunder

Let me start with some good news--substantial number of Americans have vision insurance. In fact, according to a recent study by National Association of Vision Care Plans, about 85 million Americans carry such insurance.

Now for the bad news. Vision related problems like diabetic retinopathy, cataract, macular degeneration and plain gradual deterioration of eyesight--these are all on the increase for the past ten years.

Again, some good news. It is now fairly easy to insure against such diseases or impairments. But you have to be smart about it and be prepared to shop around, since each insurance company has its hot buttons regarding which condition is "high risk".

Here are some insurance buying tips.

1. Insurance carrier. It is important to be with an insurance company that is a market leader in vision insurance.So who are the top vision insurance carriers in US?

Top five insurance companies providing vision insurance in the US are EyeMed, VSP, Davis, Optum and CIGNA. Of these, top three have about 250 mil policy holders. While big is not necessarily good or positive, it does represent a couple of positive attributes--being specialists, these insurance companies can be relied upon to be generally consistent, have a good reputation relative to claims and handling paperwork and are probably more tuned in to the new treatments for vision related problems.

2. What are you trying to cover?

As with any other part of your body or healthcare, there are three levels which you may want to cover with vision insurance.

=general and preventive maintenance. These cover vision test, testing for age-related problems such as glaucoma and macular issues

=special vision conditions

=diabetes related diseases like Retinopathy

=enhanced lens coverage

Different plans have different focus when it comes of vision related coverage so be careful and read the coverage section of the policy before you sign up.

3. Reimbursement policy

Does the insurance company make you pay first and get reimbursement on your own, or will then bill insurance directly? You are in no position to understand what is covered and what is not. It should be the doctor's office. Many optical physicians take the easy route and let you fight it out with the insurance company. Go with the insurance company that has doctors who accept insurance and bill insurance directly. That way you are only responsible for co-pay and deductible, not the whole bill.

4. Access to doctors.

Many treatments require you to be on special medication and not drive. Choose a company that has wide coverage of doctors so you and you spouse do not have to drive far.

In summary, vision may not be as critical as your health policy but nevertheless, eyes are probably the most important organ in your body, so when it comes to covering for them, be very smart and careful.

Good luck.

http://www.briskwalkers.com

Insuring Against Vision Impairment and Loss

By Shyam A Sunder

Let me start with some good news--substantial number of Americans have vision insurance. In fact, according to a recent study by National Association of Vision Care Plans, about 85 million Americans carry such insurance.

Now for the bad news. Vision related problems like diabetic retinopathy, cataract, macular degeneration and plain gradual deterioration of eyesight--these are all on the increase for the past ten years.

Again, some good news. It is now fairly easy to insure against such diseases or impairments. But you have to be smart about it and be prepared to shop around, since each insurance company has its hot buttons regarding which condition is "high risk".

Here are some insurance buying tips.

1. Insurance carrier. It is important to be with an insurance company that is a market leader in vision insurance.So who are the top vision insurance carriers in US?

Top five insurance companies providing vision insurance in the US are EyeMed, VSP, Davis, Optum and CIGNA. Of these, top three have about 250 mil policy holders. While big is not necessarily good or positive, it does represent a couple of positive attributes--being specialists, these insurance companies can be relied upon to be generally consistent, have a good reputation relative to claims and handling paperwork and are probably more tuned in to the new treatments for vision related problems.

2. What are you trying to cover?

As with any other part of your body or healthcare, there are three levels which you may want to cover with vision insurance.

=general and preventive maintenance. These cover vision test, testing for age-related problems such as glaucoma and macular issues

=special vision conditions

=diabetes related diseases like Retinopathy

=enhanced lens coverage

Different plans have different focus when it comes of vision related coverage so be careful and read the coverage section of the policy before you sign up.

3. Reimbursement policy

Does the insurance company make you pay first and get reimbursement on your own, or will then bill insurance directly? You are in no position to understand what is covered and what is not. It should be the doctor's office. Many optical physicians take the easy route and let you fight it out with the insurance company. Go with the insurance company that has doctors who accept insurance and bill insurance directly. That way you are only responsible for co-pay and deductible, not the whole bill.

4. Access to doctors.

Many treatments require you to be on special medication and not drive. Choose a company that has wide coverage of doctors so you and you spouse do not have to drive far.

In summary, vision may not be as critical as your health policy but nevertheless, eyes are probably the most important organ in your body, so when it comes to covering for them, be very smart and careful.

Good luck.

http://www.briskwalkers.com

Insuring Against Vision Impairment and Loss

By Shyam A Sunder

Let me start with some good news--substantial number of Americans have vision insurance. In fact, according to a recent study by National Association of Vision Care Plans, about 85 million Americans carry such insurance.

Now for the bad news. Vision related problems like diabetic retinopathy, cataract, macular degeneration and plain gradual deterioration of eyesight--these are all on the increase for the past ten years.

Again, some good news. It is now fairly easy to insure against such diseases or impairments. But you have to be smart about it and be prepared to shop around, since each insurance company has its hot buttons regarding which condition is "high risk".

Here are some insurance buying tips.

1. Insurance carrier. It is important to be with an insurance company that is a market leader in vision insurance.So who are the top vision insurance carriers in US?

Top five insurance companies providing vision insurance in the US are EyeMed, VSP, Davis, Optum and CIGNA. Of these, top three have about 250 mil policy holders. While big is not necessarily good or positive, it does represent a couple of positive attributes--being specialists, these insurance companies can be relied upon to be generally consistent, have a good reputation relative to claims and handling paperwork and are probably more tuned in to the new treatments for vision related problems.

2. What are you trying to cover?

As with any other part of your body or healthcare, there are three levels which you may want to cover with vision insurance.

=general and preventive maintenance. These cover vision test, testing for age-related problems such as glaucoma and macular issues

=special vision conditions

=diabetes related diseases like Retinopathy

=enhanced lens coverage

Different plans have different focus when it comes of vision related coverage so be careful and read the coverage section of the policy before you sign up.

3. Reimbursement policy

Does the insurance company make you pay first and get reimbursement on your own, or will then bill insurance directly? You are in no position to understand what is covered and what is not. It should be the doctor's office. Many optical physicians take the easy route and let you fight it out with the insurance company. Go with the insurance company that has doctors who accept insurance and bill insurance directly. That way you are only responsible for co-pay and deductible, not the whole bill.

4. Access to doctors.

Many treatments require you to be on special medication and not drive. Choose a company that has wide coverage of doctors so you and you spouse do not have to drive far.

In summary, vision may not be as critical as your health policy but nevertheless, eyes are probably the most important organ in your body, so when it comes to covering for them, be very smart and careful.

Good luck.

http://www.briskwalkers.com