How Driving Licence Insurance Can Save you Money

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If you were asked to list your most highly prized possession, it’s likely your driving licence wouldn’t make the top 10. Yet, when you consider all that it enables you to do, it might be worth a little reconsideration.
Having a driving licence affords a level of independence and freedom that previous to, would not have been possible. Whether it’s popping to the shops at a moment’s notice or not having to rely on train times to dictate your daily plans, it’s safe to say that your little pink card makes life a whole lot easier. So what are you doing to protect it?

With life’s everyday demands and stricter sanctions on speed limits, it can be all too easy to tot-up points on your licence. These can, in turn, lead to a driving ban. In the UK last year, 92,136 motorists were disqualified from driving (IAM, 2014) emphasising that licence loss is very much a reality.

If you were at risk of losing your licence how would you cope?

The legal fees involved in a motor prosecution defence can be eye-wateringly expensive, not to mention stressful. And if you were disqualified as a result, adapting to your new circumstances can be difficult. Without the freedom to drive away at a moment’s notice, you’d have to rely on taxis and public transport to get from A to B. In time, the daily cost of travel can really mount up, an added expense you could do without.

The great news is that there are many insurance products out there specifically designed to give disqualified drivers a helping hand. Some insurers for example, offer a disqualification benefit, providing monthly instalments to the insured during their disqualified period. This benefit can be used to finance alternative transportation costs, providing a clever way to combat post-ban bank-balance woes.

Typically, these policies also include much more than just a disqualification benefit, offering services such as motor prosecution defence to try to prevent your disqualification. Always in the hands of a trained professional, motor prosecution defence provides another way to save money by side-stepping unexpected legal costs, helping to evade or at least reduce the effects of your prosecution.

Insuring your driving licence will help ensure that, whatever lies in the road ahead, life can drive on smoothly.

To learn more about how to get driving licence insurance, visit Best Price Financial Services. Included in their Gold Motor Legal Protection policy, they provide Disqualification Benefit and Motor Prosecution defence, all starting from just £54.75 a year.

Benefits of a Condo Warranty Could Save You Money

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People often buy a condo warranty when purchasing a condominium, as warranties can be the perfect solution for people who don’t want to worry about potentially replacing appliances and other systems in the condo in the future. Before opting for this type of agreement, you should understand the finer details of the coverage, the benefits, how the process works, and other considerations.
How It Works

Condominium warranties cover appliances and some indoor systems. This is a separate coverage from condo insurance or any coverage provided by the condominium association. Insurance predominately covers against perils affecting the structure of the unit and your personal property. Essentially, a condo warranty is a legal contract or guarantee between a home warranty company and the owner of the residence.

The company charges a monthly or sometimes yearly payment. This covers the replacement cost of covered appliances or features like refrigerators, stoves, indoor plumbing, toilets, heating systems, washers, and dryers. Most companies offer a basic contract, but you can usually change some provisions or add on special appliances that require coverage.

When an appliance breaks, you simply contact the warranty company, and they send out an approved service provider. In some instances, you’re allowed to choose the service provider, depending upon the terms of the agreement. The service provider comes out to look at the system or appliance to determine whether it is no longer working. If it is truly broken, the appliance will be replaced according to the terms of the contract.

Costs

Contracts may vary in price depending on whether you buy a basic plan or an extended plan. Most plans range from $300-$500 per year, and they typically do not increase far beyond these amounts unless the unit is unusually large. You are responsible for paying the monthly or annual premium and the costs of service fees.

Benefits

If you are considering the purchase of an older property and the appliances are already a few years old, you’ll have the peace of mind that they are covered and will be replaced if necessary. In other words, you probably won’t be handing over several hundred dollars every time an appliance stops working.

A warranty contract can also benefit the seller of a residence in addition to buyers. In some sales, the seller can offer to pay for a warranty, and this often seals the deal for the buyer. The agreement reduces the risk of potential problems in the future and makes the buyer more comfortable purchasing the unit.

Considerations

Always read legal papers carefully to see what is included or excluded. Some companies have clauses about only replacing products that have been cared for according to their maintenance requirements. If for some reason the item is not covered, you are still responsible for the service call charges. Depending upon arrangements, some companies do not guarantee that they will replace the item with the same brand or model. However, the replacement is usually similar.

You should decide if a condo warranty would be beneficial based on your needs and the ages of your appliances. This kind of agreement frequently presents an advantage, but it is always a good idea to carefully consider entering into any contract.

Home Insurance: What Peril Means to your Policy

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Why do homeowners need to purchase a home insurance policy? Getting home insurance is a great way to protect yourself from lawsuits and is usually required by your housing lender. Ideally, you only need enough to cover your property and belongings. Investing in good quality coverage means you will have to pay less money out of pocket if the unthinkable happens. Some insurers may have coverage requirements for replacement cost protection. As a good rule of thumb, your coverage should be equal to the full replacement cost of your home. Many home insurance policies provide customers with a package of coverage.
However, it is important to keep in mind that coverage is only viable if your policy covers the peril that caused the damage. A peril is a term used to represent the specific cause for a loss. A covered peril, like a tsunami, theft, or wildfire, must have been the cause of your loss in order for you to receive reimbursement. Home insurance does not cover flood damage. Flood insurance can be purchased through a private insurer or through the National Flood Insurance Program.

Below is a list of common coverage forms.

Dwelling Fire Form: Covers your dwelling only. This form does not cover your personal liability, medical payments, or personal property.

Basic Form: This form insures your property against perils such as fire, smoke, windstorm, hail, theft, civil unrest, lightning, explosions, and vandalism.

Modified Coverage Form: Modified coverage covers the same perils as the basic form when the cost to rebuild older homes is greater than the market value.

Broad Form: This protects your property from the perils listed in the basic form, with the addition of perils such as: trees and other falling objects; the weight of ice, snow, and sleet; the freezing, sudden overflow, or rupture of a heating, air conditioning, plumbing or fire sprinkler system; or household appliance.

Special Form: Insures your property against all perils, except those specifically listed as not covered. The perils that are commonly excluded are flood, war, nuclear accidents, and earthquakes.

Tenants Form: For renters. Mainly your personal property against perils listed in the broad Form.

Condominium Unit Owners Form: As the name implies, this form is for owner-occupants of condominium units. It insures your personal property, walls, floors and ceiling against perils listed in the broad form.

Other types of home insurance exist for different types of residences, such as a townhouse or a mobile home that does not rest on a permanent foundation.

The Best Way to Organize Your Move in 14 Steps!

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How would you want to organize your move – the one you are making from Andhra Pradesh to Hyderabad? Do you think calling up the professional moving crew – the packers and movers in Andhra Pradesh for help would take care of the entire job? Do you think you do not need anything else – like some quick fix moving tips? Some pro packing hacks, some moving guidance, pieces of advice, etc.?
Well, think about it! If you are looking forward to making your move flawless and fun, you must explore the internet. After all, that is where you will get tons of information relating to the subject. What you can do is you can research some packing/moving information on the internet, coming from authentic resources. You should always refer to those websites that are either government authorized or come from reputed moving organizations and logistics firms.

Watch out for the accreditations, and certifications received by the company. Go through the moving information shared on the site to understand whether it is resonating with you and whether you are fulfilled with the tips and facts given out or not. Do not entirely accept everything that you come across on one specific site. Try to assess and compare them with the details given out on other company sites.

Your initial rounds of research would take some time. Also, since you are an amateur, you may discern and acknowledge only what you think is appropriate, not everything that is given over the internet. Well, enough of this discussion, now let’s just quickly talk about the tips that will help you to pull together your move in the most organized way.

• Organize with a pro planner – Some people call it the moving planner while some recognize it as the moving binder but both the terms refer to this one thing – ‘the organizer’ that you put together in place to keep your moving details and tasks in order. So, make sure you have this before you proceed with your preparation. • Tune in to some move videos – Watching some videos on relocation tips, stories, experiences, etc. would be a big help as you will get some hands-on tips from people who have encountered it. Take notes of the moving advice shared and also do your research and exploration of the subject to be amply equipped with apt information. • Write all your to-do things – Once you have tuned in to some video tutorials, you will come across a lot of tips and ideas that will help you to get a better know-how of how moves should be conducted. Add them to your packing strategy and create a few more lists of your to-do chores so you can sequentially fulfill your tasks. • Plan your top purchases first – We are sure you will have quite a few purchases to make ahead of your move. This would also be on top of your to-do lists. Make sure you arrange all of those essentials ahead of time. You may not find them all in one go and may need to visit the marketplace a few more times. So, soon after you are done with some ground-level planning and have even attended the pre-move tasks, bear out the purchases first.

• Fine-tune to the moving chaos – Things will be hectic. The situation will be uneven, but with time, everything will start making sense. Just adjust yourself to the moving chaos because that is what will keep you on track. Do not get carried away with the hassle but just focus on the purpose. • Pack your things perfectly – The majority of your household stuff would be dealt with by the professionals only but the section of packing you will do should be conducted flawlessly. What you should do is you should wrap up the goods in sufficient packing materials and finally secure them well using high-quality packing tape. • Be creative with the labels – Labeling should be done efficiently and you can use printed name labels, self-made labels, or numbered stickers for the purpose. The labels should be waterproof and the texts added to them should be of a decent size, so that it is readable to the one handling them.

• Collect a few quality boxes – It is good to source packing materials from local stores. Even if not the entire packing materials lot, just a few good quality boxes can certainly be collected locally and used for the moving purpose. You can use these boxes to pack the last-minute house goods – like essentials and supplies. • Wrap up the majority of tasks – Quickly attend to your pre-move tasks on your own, at your own pace, and in comfort. Whether you are sorting goods or packing them, making purchases, or forwarding emails – every task should be closed ahead of the move. So, avoid being lazy and just focus on your tasks! • Have a few key things handy – The moving box containing all the useful items you will need for the move, the toolbox that will be a savior if you need some tools and stuff to overcome a mid-move urgency – all should be kept handy. You can carry other essentials along too. • Try to utilize prevailing items – Look around the house carefully to spot the items you can repurpose in a different way to pack your belongings. You can use your old clothes to cushion delicate items, use the open baskets to move the delicate plants, and incorporate used writing papers for insulation purposes. • Keep a day for big house items – All the big and bulky items including the electronics and appliances that are a bit tricky to handle should be dealt with at last. The movers will do the job extremely well and on time, so do not mind delegating the responsibility to the movers and rest easier.