Insurance Analysis
Highly qualified and experienced insurance industry consultants
7 steps to find and buy car insurance
Find and buy car insurance When calculating the cost of a car, insurance can be a large chunk of the expense. And the price keeps going up. According to the Department of Labor, the average annual cost of car insurance increased by 5.3 percent nationwide from July 2009 to July 2010. To seek out and secure the best deals on the car insurance you need, follow these tips. 
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Looking For Good Van Insurance Is Never Easy
The image of the great British white van man is something that has probably done more to raise van insurance quotes than any crime spree. You instantly picture a boy racer in his baseball cap cutting people up at roundabouts and jumping lanes. It’s because of these images that the prices that have been quoted for even third party insurance lately has been a bit on the silly side.
With businesses wanting things done yesterday, their drivers are under pressure to perform. It’s easy to see why the average driver gets cut up with every lane change but the stereo type just isn’t true. People should remember that often these people are professional drivers.
The amount of accidents involving commercial vehicles are no where near the levels of private vehicles on the road. There
AXA warns of week of malicious damage
AXA home insurance has revealed that the week of Halloween and Bonfire Night is, perhaps unsurprisingly, the worst for malicious damage insurance claims of the entire year.
AXA urges homeowners to be on their guard at this time of year, as it has seen a huge surge in malicious acts during this week over the last few years.
Saturday appears to be the worst of days during the week, with the highest claims of the year (three and a half times the daily average).
A wide range of damage occurs, including egging of windows and tearing down of fences and letterboxes for use as bonfire fuel.
Amanda Edwards of AXA home insurance has stated that Bonfire Night is a lot of fun but a minority use it as an excuse to behave irresponsibly, and urged homeowners to be vigilant.
London may be particularly susceptible to criminal acts this year, as the Fire Brigade Union (FBU) is planning strikes from the 5th to the 7th of November, drastically cutting coverage in the city.
10 home repairs you shouldn’t ignore
If you’re like most people, your home is the largest purchase – and most significant investment – you’ll ever make. So you’ll want to maintain it, and a large part of proper upkeep means staying on the lookout for potential problems. In fact, if you allow your home’s condition to deteriorate, your home insurance company may refuse to pay for the damages. Don’t wait until a minor annoyance becomes a big problem. Here are 10 home repairs you shouldn’t ignore:
1. Water leaks Water damage can be devastating. If you have a standard home insurance policy, it will cover water damage resulting from a burst pipe. But if you negl
Do You Need To Buy Insurance For Contractors?
Any time a contracting company plans to work on a federal or other large construction project, a construction bond Toronto usually is required. Without this type of bond, there is little to no chance to have the backing of any financial investors. Ultimately, they are a form of a surety.
For some this is a new term, but the surety is essentially a legal contract. Generally a surety bond is required for both the commercial as well as personal transactions. There are three different parties that make up these agreements. For this type of security if there is a reason that the principal fails, the obligee will have no obligation at all.
It’s Your Deductible that Can Help Lower Your New York Auto Insurance Quote
Need a New York auto insurance quote and worried that you can’t receive anything you can afford to pay? Seriously, it’s not unattainable to obtain insurance even if you will find problems. You’ll locate that while you can find a number of troubles you could have that might make it far more difficult but not extremely hard.
A single reason for a tough time in obtaining insurance is not having a lengthy enough driving record. The very best rates are given to drivers with many years of driving encounter. In that instance, if you’ve bought someone who can have you on their policy you may like to explore that alternative. A family member or spouse are the most likely choices. This is
Civil Engineers warn on flood defence spending cuts
The impact of reduced public funding for flood defences will demand a more innovative approach to managing flood risk, the Institution of Civil Engineers (ICE) has warned.
Only £2 billion has been allocated by the Coalition Government for flood defence investment over the four years from 2011 to 2015, compared with £2.15 billion by the previous government, over the three years from 2008 to 2011.
David Balmforth, who leads ICE’s work on flooding comments: “While we welcome the Government’s recognition of the importance of maintaining the UK’s investment in flood risk management, we would have liked to see the level of funding more adequately reflect historical investment.”
The Institution is also concerned that current investment in addressing sewer flooding may not be maintained in future water company spending plans.
The Association of British Insurers (ABI) has already responded to the future flood defence budget, saying that a long-term plan to tackle the flood risk faced by the UK over the next 25 years is “urgently needed”.
The ABI has also pointed out that the Statement of Principles on Flood Insurance comes to an end in 2013.
The Statement was agreed between ABI members and ministers in 2007 and broadly contained a promise by insurers to continue to underwrite flood risks in return for investment in the UK’s flood defence network.
Want to return to motorcycling and live to tell about it? Listen up!
I’ve been an avid motorcyclist for over 30 years, riding hundreds of thousands of miles on many different styles of bikes. I’ve found that riding a motorcycle sharpens your reflexes and makes you a more defensive driver no matter your age or what vehicle you’re driving.
However, in my home state, a recent news story focused on the sharp increase in motorcycle accidents among older riders. My wife was quick to point out that I am now part of that “older rider” group, and I’m not sure how I feel about that. The report also showed that traffic fatalities among riders over 40 were twice as high as for riders under 40 — and I know how I feel about that.
Many older riders are “re-entry riders” who rode motorcycles when they were young, but stopped when the responsibilities of jobs and families took over.