http://www.articlesphere.com/Category/Insurance/117 Insurance articles from Find Articles at ArticleSphere.com Rss Follow Up Tue, 14 Oct 2008 02:26:12 -0700 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... http://www.articlesphere.com/Article/5-Insurance-Scams-That-Made-the-Headlines/161904 Fri, 29 Aug 2008 00:00:00 -0700 http://www.articlesphere.com/Article/5-Insurance-Scams-That-Made-the-Headlines/161904 Insurance works as a hedge against the prospective losses from the future unexpected events that can jeopardize human lives. It helps us to recover quickly from the damages by sharing the expenses to rebuild the damaged properties. The insurance market is highly competitive and growing, forcing the insurance companies to design customized and advanced products to suit best to their customers needs. However, insurance plans can be broadly classified into life, health, home, auto and disability insurance. http://www.articlesphere.com/Article/Why-Do-We-Need-Insurance-/157050 Fri, 25 Jul 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Why-Do-We-Need-Insurance-/157050 Brits have been hit by a 26 per cent rise in the cost of living over the last two years as everyday bills creep up, according to insurance provider, Combined Insurance. The insurers cost of living tracker, which follows monthly spends on living costs, shows the cost of average monthly commitments has soared by 26 per cent since June 2006. http://www.articlesphere.com/Article/Living-Cost-Increases-Lower-Insurance-Policies/156263 Mon, 21 Jul 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Living-Cost-Increases-Lower-Insurance-Policies/156263 Insurance will act as your safeguard or protector against the contingent loss. It allows you to take the amount in bulk at the time of emergency, which may not be possible for the salaried person to arrange in a hurry. So, it is suggested to pay the monthly premium of an insurance to use it in the future, after all precaution is always better than cure. http://www.articlesphere.com/Article/Needs-And-Benefits-Of-Insurance/155683 Thu, 17 Jul 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Needs-And-Benefits-Of-Insurance/155683 Jenkins Athens Insurance Services, the Concord insurance brokerage and employee benefits firm, has renamed itself Jenkins Insurance Group in a brand repositioning move that consolidates all of its services under one name. The name change will take place in two steps: the new brand and logo will be introduced immediately for the company's property and casualty insurance services, and in early 2009 for the firm's benefits division, Athens Benefits. The Athens name was introduced in the 1980s when the firm expanded into offering employee benefits services. http://www.articlesphere.com/Article/Concord-Insurance-Brokerage-Jenkins-Rebrands/155349 Wed, 16 Jul 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Concord-Insurance-Brokerage-Jenkins-Rebrands/155349 Payment Protection Insurance (PPI) was designed to be sold in association with all sorts of monetary borrowings, such as transactions involving credit cards, store cards, and secured or unsecured loans, to protect the borrowers. It will take care of your repayments for a preset period if you have lost your source of income as a result of redundancy, illness, or an accident, for instance. http://www.articlesphere.com/Article/Information-About-Your-Mis-Sold-PPI/153640 Wed, 09 Jul 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Information-About-Your-Mis-Sold-PPI/153640 With the Royal Bank of Scotland deciding to sell its insurance business, experts are predicting this move to trigger other banks into reconsidering whether owning an insurer is a worthwhile strategic policy. Bankers expect that lenders will decide the providing of a vast array of insurance and banking products, is less important than freeing up money tied up in non-core units. This will help to shore up hard pressed banking arms in the face of billions of pounds of write-downs. http://www.articlesphere.com/Article/Banks-Consider-Selling-Their-Insurance-Units-To-Boost-Their-Strategic-Gains/153168 Tue, 08 Jul 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Banks-Consider-Selling-Their-Insurance-Units-To-Boost-Their-Strategic-Gains/153168 People who take out payment protection insurance for a loan or mortgage are at risk of being grossly overcharged for the privilege of protecting themselves. A report being carried out by the Competition commission said that there is too little competition within the payment protection industry, meaning that providers are getting away with charging inflated prices. http://www.articlesphere.com/Article/Customers-Pay-Over-The-Odds-For-Payment-Protection-Insurance/151621 Wed, 02 Jul 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Customers-Pay-Over-The-Odds-For-Payment-Protection-Insurance/151621 British consumers are being overcharged for Payment Protection Insurance by GBP 1.4 billion a year due to a lack of competition in the market, according to a watchdog. The Competition Commission made the disclosure today adding that the market for the insurance, which protects credit repayments if the holder is unable to work or loses their job, was failing to work competitively, leaving distributors able to charge higher prices. http://www.articlesphere.com/Article/Consumers-In-GBP-1-4-bn-Rip-Off/149997 Wed, 25 Jun 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Consumers-In-GBP-1-4-bn-Rip-Off/149997 Worryingly it seems up to a third of us are driving around without being able to see clearly! Interestingly were not talking about the elderly, who frequently get the blame for accidents, usually with a throw-away comment about the condition of their eyes! Rather its a cross section of individuals who are coming up short when it comes to their eyesight. http://www.articlesphere.com/Article/Eye-Care-To-Be-Rewarded-By-Van-Insurers/149784 Wed, 25 Jun 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Eye-Care-To-Be-Rewarded-By-Van-Insurers/149784 Research has shown that almost half a million bicycles are stolen every year in the UK. That works out as one bicycles stolen every 65 seconds, almost once a minute. The capital is most badly affected place with four out of the top ten highest risk areas found in London. http://www.articlesphere.com/Article/Insurance-Needed-As-1-Bike-Stolen-Every-Minute/149116 Sun, 22 Jun 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Insurance-Needed-As-1-Bike-Stolen-Every-Minute/149116 A total of 2,500 UK drivers, were put to the test to find out why two out of three accidents are caused on the roads. The survey and results, conducted by the comparison website, uSwitch.com, found that just 1 per cent of respondents, answered all questions correctly. Overall, just over one in three people (34 per cent), scored less than 50 per cent and almost one in ten (8 per cent) got every question wrong. http://www.articlesphere.com/Article/Drivers-Lack-Of-Highway-Code-Affects-Insurance-Premiums/149037 Sun, 22 Jun 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Drivers-Lack-Of-Highway-Code-Affects-Insurance-Premiums/149037 Have you ever thought about how situations are going to be handled if you face any mishaps? We often ignore these things but they are as important to be thought about as our present is. One prepares for the future but nobody knows when a crisis is going to strike. To give yourselves some cover and security, it is important to get yourself insured. Also, other aspects of our lives like our car, home, travel, etc. should also be covered so that the finances that we invest are not lost. Also, financial assistance should be available when a crisis strikes. http://www.articlesphere.com/Article/Provide-Yourselves-A-Cover-For-Life--Get-Insurance/147965 Tue, 17 Jun 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Provide-Yourselves-A-Cover-For-Life--Get-Insurance/147965 A research by Lloyds show that UK businesses could soon be faced with increased litigation challenges following the global credit crunch, which has created a future insurance liability crisis. The report warns that the credit crunch crisis means that the risk of liability insurance for businesses is a real and expensive matter if they do not face up to growing litigation issues. http://www.articlesphere.com/Article/Liability-To-Increase-As-Credit-Crunch-Grips/147348 Sat, 14 Jun 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Liability-To-Increase-As-Credit-Crunch-Grips/147348 Many people complain about mortgage insurance costs and how it turns mortgage payments too expensive. Few people know what mortgage insurance is and what it protects you from. It is not that people would stop complaining if they knew but at least they would try and find a suitable insurance company providing a balanced solution in terms of coverage and price. http://www.articlesphere.com/Article/Mortgage-Insurance--How-Does-It-Protect-You-From-Foreclosure-/146626 Wed, 11 Jun 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Mortgage-Insurance--How-Does-It-Protect-You-From-Foreclosure-/146626 Now that I have reached my forties and am considered to be "middle aged," I find myself reflecting on those things that are most important in my life. I have good health, a successful career, financial independence, and wonderful friends - in short, I'm very fortunate. My family, however, is my highest priority. They are more important to me than anything else in the world, and I will fiercely protect them and their futures. If tragedy strikes, I want to make sure my family will be taken care of. One way I ensure my family is protected is to purchase underinsured motorist insurance. http://www.articlesphere.com/Article/Insurance-Coverage---Uninsured-and-Underinsured-Insurance/146589 Wed, 11 Jun 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Insurance-Coverage---Uninsured-and-Underinsured-Insurance/146589 Coinsurance is a solution to the rising premiums for property and health insurance. For property insurance, coinsurance makes it necessary for the insured to bear a percentage of his losses or expenses which would be inversely proportional to the percentage worth of his insured property. Likewise for health insurance, coinsurance ensures that the insured has to bear a certain percentage of his health bills, so that it leads him to services worth moderate prices. Thus it has become all the more important to understand the significance of Coinsurance in today's world. http://www.articlesphere.com/Article/Significance-of-Co-Insurance/143230 Tue, 27 May 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Significance-of-Co-Insurance/143230 Car insurers are set to make a profit for the first time in 14 years according to a report released this year. They will make a profit in 2009 because of rises in insurance premiums the report has said. This year the industry faces a loss but the market will make a profit of £30 million pounds next year because the cost of premiums will outstrip the cost of accident claims, the Market Analyst Datamonitor revealed. http://www.articlesphere.com/Article/Report-Predicts-Good-News-For-Insurers/139439 Mon, 12 May 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Report-Predicts-Good-News-For-Insurers/139439 The Department for Transport have said that eight out of ten accidental deaths involving 15 to 19 year old men in Great Britain are road casualties. With figures like this it is easy to see why car insurance premiums are higher for young drivers than for more experienced road users. Information released by the Department for Transport shows that everyday four people are killed or injured in accidents which involve younger motorists. http://www.articlesphere.com/Article/Young-Drivers-Are-More-At-Risk-Of-Accidental-Death/139438 Mon, 12 May 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Young-Drivers-Are-More-At-Risk-Of-Accidental-Death/139438 It was recently revealed that thousands of workers in New Jersey are getting hurt at work and finding out that their employers have not taken out insurance to cover their injuries. The Star Ledger reported that the problem is a small but growing slice of the state's litigious system which pays out a total of $1.8 billion a year in accident claims. http://www.articlesphere.com/Article/US-Employers-Aren-t-Paying-Accident-Insurance/139436 Mon, 12 May 2008 00:00:00 -0700 http://www.articlesphere.com/Article/US-Employers-Aren-t-Paying-Accident-Insurance/139436 There have been many predictions of rises in home insurance premiums after the disasters seen during last summers flooding, and the money insurers had to pay out. Property owners were expected to face higher premiums throughout 2008 after the widespread floods of last summer cost insurers so much. These predictions have been challenged by new research from Datamonitor, an independent market analyst. http://www.articlesphere.com/Article/Rising-Home-Insurance-Premiums/138490 Wed, 07 May 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Rising-Home-Insurance-Premiums/138490 According to Paypal Brits will spend over 1.6 billion pounds on their loved ones this Valentines Day. Direct Line has predicted that 467 pounds million of this total figure will be spent on expensive jewellery, the lucky recipients should make sure they are covered for these purchases. http://www.articlesphere.com/Article/Protect-Your-Love-On-Valentine-s-Day/138489 Wed, 07 May 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Protect-Your-Love-On-Valentine-s-Day/138489 Easter is the most popular weekend of the year for DIY, with consumers spending billions of pounds on home improvements. But if you are planning to redecorate or renovate this weekend make sure your home insurance is up to date. DIY enthusiasts are expected to cause up to £25 million worth of damage this weekend alone and insurers are warning that if things go wrong your home insurance could be invalid. http://www.articlesphere.com/Article/Protect-Against-DIY-Disasters/138391 Wed, 07 May 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Protect-Against-DIY-Disasters/138391 When people get a credit card, they are offered credit card insurance. But they don't know whether they need it or not. As a rule, credit card insurance can help cardholders to save their financial credibility. http://www.articlesphere.com/Article/Do-We-Need-Credit-Card-Insurance-/137913 Mon, 05 May 2008 00:00:00 -0700 http://www.articlesphere.com/Article/Do-We-Need-Credit-Card-Insurance-/137913 Do you really understand what insurance is? The common perception is that insurance is something you are either forced to have or you take to hedge your losses. Therefore most people obtain insurance begrudgingly. They feel like they haven't gotten their monies worth unless their company pays them something back. http://www.articlesphere.com/Article/The-Real-Deal-About-Insurance/134165 Tue, 15 Apr 2008 00:00:00 -0700 http://www.articlesphere.com/Article/The-Real-Deal-About-Insurance/134165