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Expert Author: Kaushik Mukherjee One only has to watch an episode of the BBC's Antique Roadshow to learn that the British are a nation of collectors and that we are fascinated by unusual artefacts as well as the more traditional art and antique furniture. The most enjoyable part of my job is speaking with potential clients and learning what their particular passion is. I do not always have an in depth knowledge about their particular penchant but their enthusiasm is often infectious and I invariable learn something new. Expert Author: Kaushik Mukherjee There are around 500,000 listed buildings in the UK of which approximately 90 per cent are allocated the Grade II listing by English Heritage. The Grade II listing is normally allocated because the building is in some way of architectural or cultural interest. Sometimes the whole building is listed but often in it is just a particular feature or even an outbuilding such as a barn. Expert Author: Kaushik Mukherjee If you own items of fine art, antique furniture, clocks, any type of collection, jewellery or watches you are best advised to consider insuring them with a specialist High Net Worth Insurer. The mainstream insurance policies often have restrictive for the values of such items that you can cover and you may find the cover is not as wide as you would like. Expert Author: Kaushik Mukherjee Most home policies will insure your precious objects like art or antiques under the contents section of the policy. But if you possess a valuable painting, item or collection, it’s worth checking to see whether this cover really meets your needs fully. You may get a better deal by switching to an insurance provider who understands art and antiques insurance better. Expert Author: Kaushik Mukherjee One of the most common reasons our clients approach us is that they own, or have recently purchased a single item of high value jewellery. This is often a high value ring or high value watch. When they approach their existing insurer to add it to their existing policy they are told they cannot. Many well known insurers that deal directly with the public, and advertise extensively on television and in newspapers, have a single article limit as low as GBP 1,500. Expert Author: Jane Pytel Insurance companies routinely enhance their profitability by utilizing tactics designed to minimize or deny the payout on your claim. You must arm yourself with knowledge of your rights, recognition of the tactics used against you, and your refusal to accept that the insurance company holds all the power. Expert Author: Dev Sar Senior citizens of different ages can get good deals in insurance coverage. The only thing is to be able to see beyond the profit motives of the insurance agent and to sign up for an insurance pack that meets your requirements. Not all, but some insurance agents will be eager to push to you insurance products that may not do any good to you under the circumstances you are in. Expert Author: Lavana James As we march inexorably towards an age of ill discipline and rampant behaviour in all forms and fashions, more and more cases of malicious damage to property are reported on a regular basis, South Africa not being the only country under the cosh of violent and inappropriate behaviour. Expert Author: Greath Owen Landlord emergency assistant policy is designed to insure the landlord against an uxpected problem with plumbing and drainage, electricity supply, doors or windows, and heating system.If you are a landlord,you will find the landlord emergency assistance inssurance very helful to keep your property in good working order. Expert Author: Greath Owen Tenants contents insurance gives great safety to tenants. But for some causes unknown; tenants, especially those who have never rented before, are often overlook the policy. A tenant, who has moved into a new property, the last thing he considers is the tenants contents insurance. Expert Author: Greath Owen Takeaway insurance covers for owners of all aspects of takeaways, irrespective of Chinese takeaway, burger bar, Indian takeaway or pizza delivery. It takes the responsibility of one’s premises with insurance to cover all risk aspects, such as contents insurance, goods in transit and liability insurance, to ensure that one’s business does not suffer any interruption. Expert Author: Greath Owen As a landlord you may heavily depend on the rent, which you get from your tenants. You may also have a mortgage on your rented property and are dependent on it for your loan service. Suddenly, a fire damages your property and your tenants have to move out. It will take three months to give the original shape to your property. Expert Author: Greath Owen You own an apartment. May be you are satisfied with your well furnished rented property. But did you think about the the things you may leave in the house, like white goods, carpets and general furniture? You should also think how much costly it will be to replace your personal items such as pictures, paintings and garden furniture, if any damage is done to them. Expert Author: Alisdair Cosgrove There may be some uncontrollable circumstances in your life that make it impossible to repay a loan; such as an accident or a sudden illness that could take you out of the work force for an extended period of time. It may be necessary for your employer to make some cut-backs on the number of workers or perhaps they may have to make wage decreases.Maybe you are self-employed and your business is not doing as well as you expected, so you do not have as much money coming in as you thought you would have at the present time Expert Author: Paul Berg This article summarises issues involved with the Professional Indemnity insurance market and the hard/soft cycle that has such an influential effect on premium levels. We will also attempt to predict what the future might hold as the market moves inexorably out of its soft phase and into harder times. Expert Author: Jane Pytel Unscrupulous insurance companies will use your insurance policy as a basis to deny claims rather than as a basis to pay them. Flawed, faulty, or unfair insurance policy interpretation is characteristic of the widespread and out of control tactics insurance companies will use to delay, reduce, or deny payment of your claim. Expert Author: Micheal Challiner If you’re taking out any sort of loan, be it a mortgage, personal loan, credit card or an ‘indirect’ loan such as a store card, you’re likely to be offered payment protection insurance, or PPI. It is intended to cover the periodic (normally monthly) payments should you find yourself out of work, sick or injured. Normally there is a waiting period of 28 days before you can claim and payments are then made for varying periods, according to your policy, usually up to 12 months. Always read the small print of any policy – PPI is no different, there are wide variations in cover and you shouldn’t rush in to anything without knowing all the facts. Expert Author: Lavana James One of the most costly errors any one of us can make is to overestimate our short term insurance cover – be it on our primary residence, our car or even our own health and well being. Many of us may well rush into covering ourselves and our valuables without considering updating the policies on a regular basis and this could prove fatal. Expert Author: Daniel Collins With the credit crunch looming and the cost of every day living rising, many people are coming to the conclusion that insurance is an expensive luxury – they are wrong. At times like these insurance is a must have. Making sure you are protected against damage, illness and theft can prove to be a huge advantage in the event that something was to happen. The only thing you need to keep an eye on when purchasing insurance is that you’re not paying too much. Expert Author: Patrick Chong There's a dark side to worldwide travel insurance - the sheer number of fraudulent claims that are made each year. It's notoriously hard to disprove fake claims across most industries, but these 5 insurance scams famously backfired on their creators...
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