Feb 26

How To Find Van Insurance

Securing van insurance can be more challenging than getting auto insurance. With some preparation and research, however, the process of insuring your van can be a smooth process.

Before purchasing van insurance, you must have the specifics of your vehicle available. Have the vehicle identification number and match the written number to the vehicle itself. Common identification locations on vans include the windshield and inside of the driver side door. While the VIN number provides many of the vehicle details, some van specifics might not be included.

Determine whether your van has a complete or incomplete chassis.
An incomplete chassis is a vehicle built with most of its parts but completed without adding additional passenger and accessory vehicle features. Incomplete chassis vehicles are generally sold to companies that modify the vehicle to meet their needs. These vans might be used as buses, delivery trucks or other custom vehicles. While some vans can be easily spotted as incomplete chassis, others might not. Your insurance representative can assist you, if necessary.

Once you have determined your vehicles chassis, determine your vans use. Insurance companies will want to know how you intend to use the van. The vehicle can used for daily commuting purposes, leisurely trips or business, to name a few. Determining its use will help your insurance representatives determine whether your vehicle requires a personal auto policy or a commercial insurance policy.

Compare rates. If you have insurance on a vehicle, your current agent or company might be able to assist you. Most carriers provide multivehicle discounts for insuring more than one vehicle on a policy. Ask for a quote with adding the van to your current policy. Obtain insurance rates from other insurance companies. Compare the rates to the rate from your current carrier.

Purchase your policy. Select a

Feb 26

Travel Insurance Procedures And Considerations

Travel insurance is an act of taking cover against travel related problems and expenses. This may be undertaken before completion of a particular journey. Many people lack to understand its importance and claim that it is not necessary for one to incur extra expenses while travelling. However, anyone can fall sick, a plane or a train can have an accident or other complications that may expose one to danger.

Types of Travel Insurance

There are usually two types: International travel insurance, for those who wish to travel abroad and domestic travel insurance, for those who wish to travel within the country. They can be obtained from your country of residence, travel agents or via existing deals.

An important consideration when buying a cover is the dates of coverage that should specify the day you left your expenses up to the day you return to your homeland.

Among the major functions of this cover is the medical aspect while travelling, it cares for all your medical expenses which may arise during the travelling. Some companies pay for friends or relatives who volunteer to stay and support you during the travel. Other companies even pay lump sum in the event of an injury or unwanted occurrence.

A travel may be cancelled due to a number of factors like: medical condition, disaster or calamity in one’s family or either upheavals in your own planned program. In case this happens, they may cover for your travelling expenses and other that may result from the cancellation. There are some cancellations that the insurance company covers while rejecting the other. This includes:

1. Cancellation due to death of a family member, a friend or a partner may not be covered.

2. Family emergencies such a quarrels, hospitalization of a family member, diagnosis with a diseases among other family matter. These are not covered.


Feb 25

Hand Surgery Know If It Is Covered By Insurance

The hand performs multiple duties each day, large and small. Picking up an apple, stirring sugar into a cup of coffee, threading a needle or holding your child’s hand to keep them safe as they cross the street from the moment you wake up till the time you go to sleep at night, your hands are working and in constant motion.

All of these delicate movements may be taken for granted until some unfortunate circumstance occurs in which they no longer offer up their seamless, non-complaining service. Whether through the occurrence of an injury, illness or condition, the loss of full and pain free use of one’s hands can be frustrating and even devastating. Luckily, there are remedies, both surgical and non-surgical, that can alleviate the problems. The non-surgical remedies often include special exercises, physical therapy, medication and support devices such as splints.

Medical insurance will usually cover issues that are related to functionality. Medical insurance will not cover issues related to aesthetics, such as anything that is deemed cosmetic.

Some examples of functional issues include chronic pain, infections, nailbed injuries, arthritis, fractures, congenital abnormalities, tennis elbow, trigger finger, carpal tunnel syndrome, amputations, and lacerations. Surgical intervention may be necessary with some of these ailments while the non-surgical remedies may work in other cases.

Many injuries occur during the course of one’s employment. A chef cuts his hand on a knife, a deli clerk inadvertently slices his or her finger, a teacher slams her hand in the classroom’s heavy door, a carpenter breaks bones with a hammer-all of these and more are considered work related injuries.

Every employer is required by federal law to carry a form of insurance that will cover these job related mishaps. This insurance is called worker’s compensation. If you will

Feb 23

Having a Safe Trip through an Overseas Travel Insurance Plan

Travel insurance coverage is the type of insurance that’s least thought about by us in India. The main reason for it remains the less awareness about the need for having a financial coverage while away from home. Life is uncertain. Accidents can happen at any time and anywhere. Therefore, your time away from home is no exception.

What if you are on an international trip to a foreign country and are diagnosed with a chronic disease like malaria. You might not want to bear the high medical expenses in that country. This is where a travel insurance plan helps you out. It can act like a financial saviour when nothing seems to be working out.

An overseas travel insurance policy supplies a person with massive coverage. It gives a cover to meet medical emergencies, compensates you in the occasion of cancellation or any delay in trip. Losses of luggage and travel paperwork are additionally lined under a plan.

There are several ways in the market today for buying insurance. The internet in particular has been emerging as a new trend in the whole insurance sector and can be said for travel insurance as well. The ease of buying it provides you with is the reason of it being so popular.

Moreover, buying travel insurance online proves to be a cheaper and economical way compared to the offline methods. The offline method requires you to approach agents or the insurance company directly. Overseas travel insurance can be bought for single trips as well as multiple trips.

However, travel insurance is likely to get costlier in the country in the near future. The rise of premium amounts is mainly due to the depreciation of Indian rupee. The fact that the claims of an overseas travel insurance needs

Feb 21

Free Vin Check From The National Insurance Crime Bureau

The National Insurance Crime Bureau Announces Free VINCheck for Unrecovered Stolen Vehicles

For the second time in as many years, the National Insurance Crime Bureau (NICB) is launching another free service to help protect the nations consumers.

Over one million vehicles have been stolen annually in the United States since 1986. With an annual average recovery rate of just 63 percent, several million vehicles remain unaccounted for and could possibly end up being purchased by unsuspecting consumers.

To help prevent innocent people from buying a stolen vehicle and to help recover stolen vehicles that may enter the commerce stream in the future, NICB today is activating the nations first Unrecovered Stolen Vehicle Database as a free service to the public.

Anyone anywhere can now run a Vehicle Identification Number (VIN) through this database and determine if it has been reported stolen by one of NICBs over 1000 member insurance companies.

To check a vehicle simply visit the NICB web site, and follow the on screen directions for the VINCheck search feature which is located on the home page.

In recent months, NICB Special Agents have identified numerous stolen vehicles that were in the process of being sold by auto dealers or restored by collectors. These examples demonstrate how even car savvy people can be duped into unknowingly buying a stolen vehicle. If it happens to experts then the risks are even greater for ordinary consumers.

Seeing a way to help mitigate that risk and to provide another free service to help protect the nations drivers, NICB sought and received the cooperation of its member companies to make this feature possible.

It was in this same spirit of cooperation and assistance that NICBs member companies provided their Hurricane Katrina related auto claims information to create the flood vehicle database. This

Feb 21

Insurance Claim Investigation

The increase in the number of players in the Insurance sector has lead to spiralling growth of the Industry. More people are now aware of Health, Medical, General and Life Insurance plans and are keenly opting for various types of risk cover. As the customer base increases for these players so do the number of Insurance claims being filed with these companies. In a country such as India where there are few verifiable facts about a customer, this creates a large number of fraudulent risk claims. Onicra works closely with the Insurance companies to establish validity of these claims and mitigate risk.

What exactly is Insurance Claims Investigation?
Individuals and business enterprises buy insurance policies to safeguard themselves against monetary losses. In case there is a loss, the insurance policy holders submit claims, or request for payment to seek compensation for their loss.

Insurance investigators thus work for life and general insurance companies, for whom they handle claims contending unfortunate cases of bodily injury, deaths or third party claims. Their main job is to investigate the claims, negotiate settlements, and authorize payments to claimants. It is they who must assess and verify whether the customer’s insurance policy covers the loss and how much of the loss should be paid to the claimant.

About Insurance Claims Investigation Services

Life and General Insurance claim processing.
Authentication of medical reports (Life and General Insurance).
Conducting checks and balances before extending insurance.

Feb 20

Getting The Best Bike Insurance Deal

Much like car insurance, bike insurance has a lot of variables affecting price. Insurance is likely to be the biggest expense after you purchase your bike, so it is important to shop around for the best motor bike insurance quotes. Here are some tips to help you save money on insurance.

Type of Bike And Insurance Quotes

The type of bike and how expensive it is will largely affect the price of bike insurance. An expensive bike will cost more to replace, so premiums will be higher as well. A powerful, fast bike is also more expensive to insure because it will be capable of higher speeds. Bikes that can go faster are at a higher risk for accidents and these accidents can cause more damage than bikes at lower speeds. How old your bike is can also affect insurance quotes. Older bikes are cheaper to repair, but bikes older than twenty years old typically have higher parts that are harder to find. New bikes and classic bikes tend to be higher to insure.

Bike Usage

How often you ride your bike also affects insurance prices. If you only ride during the summer, you are less likely to have an accident because you only use your bike half of the year or less. If your bike is purely for pleasure you will be riding it less than if you use it to commute so insurance will also be less. Where you store your bike can also affect insurance costs. If you store your bike in a locked garage or use anti-theft devices, your insurance might be cheaper.

Personal Driving History

Any claims made in the last five years can also raise your insurance costs. Age is also a large factor, with riders younger than 25 typically having

Feb 20

Home Insurance In Calgary For Tenants and Renters

Choosing the right home insurance in Calgary is essential in order to adequately protect your property and possessions. Indeed, it is the warm blanket you can rely on to keep you comfortable at night, secure in the knowledge that you are covered. Whether you are a landlord or a tenant, you don’t want to be caught without home insurance coverage should the unexpected occur.

Why have renters insurance?

Consider your renters insurance as the same thing as a home insurance policy. The number one reason for home or renters insurance is that it covers structural damage that you may cause to the property. Whether you leave the tub running a little too long or accidentally break a window, a renters insurance policy covers the damages. In Calgary, an increasing number of landlords are requiring tenants to carry renters insurance policies as an added layer of protection for their rental properties.

Additionally, renters insurance covers your personal property. When you consider the total value of everything you own, it’s a wise investment to make that only costs you a few dollars a month.

What does renters insurance cover?

Each policy varies in its coverage, but in general you can expect the following:

Personal property coverage. This covers your possessions should they be damaged, destroyed, or stolen. When reviewing any renters insurance policy, make sure that you insure your property for its replacement value.

Liability coverage. This covers you in case you do something that causes damage to another person or property. If you are found at fault, this is invaluable coverage to have as it will protect your savings and assets in the event of a lawsuit.

Living expenses. Should the property you are renting become uninhabitable, this coverage provides funds for temporary living arrangements.

How does renters

Feb 18

Why Get Online Life Insurance Quotes Prior To Buying Any Insurance Coverage

There are lots of individuals nowadays which are buying existence insurance coverage for numerous various factors. The factors you receive existence insurance coverage isn’t essential to anybody however , you and also the insurance coverage organization you receive the plan from. You need to make certain that you simply consider the time to evaluate and get a lot more than 1 from the online life insurance quotes simply because should you do not then you’ll not be discovering the very best plan for you personally for that greatest cost.

The insurance coverage strategy that you simply get requirements to become discussed together with your loved ones or even the individual who is going to be in your plan, to ensure that they know what’s heading on. Additionally you wish to determine regardless of whether you would like to possess existence insurance coverage on a lot more than 1 individual inside your loved ones and what kind of insurance coverage you’ll require simply because this can make a distinction within the Online Life Insurance Quotes you receive.

When you would like to obtain the correct existence insurance coverage for that greatest cost, you have to know precisely what Online Life Insurance Quotes are. It’s the insurance coverage premium or even the quantity of cash that you simply will spend whenever you buy a plan or strategy. Getting a existence insurance coverage quotation will assist you to determine if you are able to pay for to buy it or not. The act of supplying the quantity on an insurance coverage strategy is known as an insurance coverage quotation, so when the quotation is provided on the internet it’s recognized as an on the internet existence insurance coverage quotation.

Obtaining Online Life Insurance Quotes could be really useful to anybody that’s preparing on

Feb 16

How To Choose A General And Life Insurance Companies

When it is about choosing an insurance company, reliability should be given more importance as against your expenses. Be it a general insurance or a life insurance that you need, reputation of the insurance company should be the main criterion to choose the best company for your needs. This article talks about things to be kept in mind before choosing a life or general insurance company.

Financial stability of your insurance company

How does it feel when you have been paying your house insurance premium regularly and the insurance company fails to pay your claims when your house gets damaged? Whether you want a life insurance or a general insurance, dont forget to enquire about the financial stability of your insurance company before you buy your insurance from them. This is to make sure that your insurance company actually has enough liquidity to pay your claims when the time comes.


Although price forms a significant basis to compare various life and general insurance companies, reputation of an insurance company forms a more important basis of comparison. Make sure that the existing clients of your insurance company are happy with their customer service. Check the past records of the insurance company to make sure that it also has a good reputation as far as the settlement of claims is concerned. Make sure that your insurance company is not among those that cause unnecessary delays in payment of claims.

Research work

Price quotes of various life and general insurance companies can be compared in order to find the most economical insurance plan. You should also pay attention to the distinct features of various insurance plans in order to select the one that best suits your requirements. This makes it very important to first assess your own insurance needs and then start

Older posts «