Shortlink

Choosing the right Pet Insurance

Most pet owners want to provide adequate protection for their pets, while at the same time needing to fit premiums for pet insurance into often tight budgets. While cost is subsequently of importance, there are other factors to consider and compare when choosing pet insurance – here are some of them.

Age Restrictions – Some companies do not insure pets under the age of one year to allow potentially inherited conditions to manifest, while others will not insure older pets due to the increased risk of recurring and new conditions.

Breed - Companies may deny applications if a particular breed is known to develop certain conditions or behaviour patterns likely to cause frequent claims. This includes, for instance, larger breeds of dogs prone to developing hip dyspepsia; breeds known to develop aggressive tendencies and – to name but one breed – Shar Pei’s, which are known to often develop a variety of health issues.

Cover Type - Different companies offer different plans, from emergency cover only to routine tests/ treatments, vaccinations and/ or surgery like neutering/ spaying an animal. Naturally, premiums will vary depending on the required cover.

Claims - How companies pay out in the event of a claim also varies. Some offer flat fees, some only pay a percentage of the incurred cost and some work only with specific vets. Most have a certain deductible (or excess) owners have to pay before payments are made, and there are often limits on the amount of claims that can be made in any 12 month-period.

Shortlink

Keeping down the Cost of Motorbike Insurance

Motorbike insurance is an absolute must for riders, if for no other reason than their own protection in the event of an accident caused by another driver simply not seeing them coming.

Unfortunately, this type of insurance is, in comparison to car insurance, rather expensive – a result of the increased risk of riding a bike. There are, however, ways in which riders can bring down the cost of their policy.

Driving Courses – Taking a motorbike driving course – even as an experienced driver – will prove to insurance companies that the driver in question is serious about reducing risks. As a result, producing a relevant certificate typically results in discounts on premiums.

Storage - Motorbikes tend to be easy targets for both theft and vandalism. Keeping the bike inside a garage/ storage unit over night and/ or installing security devices for parking in public places also results in discounts when the insurance company is informed of these steps.

Seasonal Riding – Winter can make safely riding a bike virtually impossible. If planning to only ride the bike in spring/ summer, it is worth telling the insurance company, as this typically reduces the cost of premiums substantially due to the lower risk involved during these seasons.

Shortlink

Tales of the Unexpected and Demolition Insurance

Forward planning is of utmost importance in the demolition industry, and getting adequate and suitable demolition insurance requires almost as much planning. Here are some of the main factors/ elements of demolition insurance contractors should consider before taking out a policy.

To begin with, it is obviously necessary to adhere to relevant laws and obtain a combination of employer, product and public liability insurance policies, often combined into one general liability policy. This combination ensures both current work and its future impact are covered.

Then, of course, it is necessary to consider varying optional clauses, which may be added to cover work at height; clearance of asbestos, pollution or a range of other potentially harmful substances and a whole list of other possibilities. Naturally, it is wise to only include options that are relevant to the work likely to be undertaken.

Regardless of the type of work, it is also a good idea to include cover against loss, damage or theft of equipment/ tools – which are typically expensive to replace – both on and off site.

In short, while a standard policy may be a little cheaper, getting a tailor-made policy to suit any given company’s requirements will ultimately provide much better cover in the event of something unexpected happening.