List Categories | List All Articles | List Articles By Title
House Insurance - Forcible and Violent Entry
Forcible and violent entry (f&ve) is the terminology used within house insurance to describe break-ins.
Most home insurance policies will cover you for theft claims made with no forcible and violent entry. That is to say that despite their being a theft there was no sign of break-in such as a broken window or door.
Common claims follow doors or windows being left open or workmen stealing from the household.
Often home insurance companies also restrict the level of non-f&ve cover available to residents of the home living away in temporary accommodation. The most typical example is students who are covered under their parents home insurance policies. Not having their possessions covered for theft without f&ve is not in keeping with student lifestyles where students are used to coming in and out of each others rooms. Our student claims experience suggests that over a third of theft claims follow no sign of break in to the property. Specilaist student insurance is available in these circumstances from companies like http://www.endsleigh.co.uk who can cover students under a specialist policy.
On a standard home policy covering non students, non - forcible and violent entry cover is normally provided but their can be exclusions with cash being the most likely exclusion.
To find out what cover you have, you should always check your policy. You should also be aware that their is a fine line between a non f&ve claim and negligence on behalf of the policyholder which can invalidate claims.
Tim Larden writes for yourhomeinsurance.co.uk a site with information about the UK House Insurance and is a site specialising in cheap contents insurance. Their policies include cover for forcible and violent entry. For a quote on contents insurance, you can use that specialist area of the site. If you live in shared home or flat - there is a lot of specific information relating to forcible and violent entry on the site.
Term Life And Whole Life Insurance
Which type of policy is best for you, term or whole life? The answer depends on several factors, including:Your Needs. If you need coverage only until your children graduate from college, for example, you might be better off with a term life policy.
Home Insurance Rates in Northern Ireland
A recent survey took the most popular type of home in the UK, the three-bed semi, and compared the quotes given by insurance companies for different postcodes around the country. Northern Ireland came in top for buildings cover with an average of £119.
The Immorality of Guarantee Issue Health Insurance
While there are genuine debates about whether privatized health insurance or nationalized health insurance policies make more sense, there can be little doubt that guarantee issue policies represent the most immoral type of hybrid between the two. The argument that everyone should be covered by health insurance is an argument for a nationalized health care policy.
Apply Online for Temporary Health Insurance
There are times when you'll find yourself temporarily without health insurance. You may be between jobs, just starting a new job or a student who is no longer covered on your parent's health insurance.
New Concepts in Car Insurance - Pay as You Drive
You can pay as you talk with a cell phone plan, so why not pay as you drive auto insurance? It sounds like a good idea; but would pay as you drive auto insurance work for you?The idea behind pay as you drive auto insurance is simple. Basically its this- if you do not drive very much, you will not pay high insurance premiums.
Life Insurance Settlement
A new financial tool is now available for senior citizens. Life Insurance Settlements are quickly becoming a way for seniors to receive money from an under performing or costly life insurance policy.
10 Tips to Save on Healthcare Insurance
Americans shopping for their own healthcare insurance can substantially cut premiums by following 10 simple steps, according to leading insurers.Answer Financial Inc.
Term Life Insurance Help
Life insurance can be a very scary thing. If you buy insurance when you're 30, but don't die until you're 90, chances are you're going to come out on the loosing end of insurance.
Insure Your House
When we talk about insurance the thing you have to remember is that always the price of your house must be higher then the value of the mortgage. This is not a hard thing to take care of if you like your house and care about the quality of your life.
The Need For Life Insurance
A person needs to reexamine their life insurance needs every few years because as our life events change so do our needs.When starting a family, a person needs to consider starting a life insurance policy.
Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi
For a price, would you let car insurer along for the ride? - asks a USA Today technology story by Kevin Maney. It seems that Progressive Insurance and IBM have worked out a scheme to pay drivers to be safer - by monitoring their every move in their own cars, and how fast they make that move, and where they park, and what time they drive.
The Surety Bond Domino Effect
I have written many articles about the hard surety bond market. To my surprise many want to know more details as to how we got to where we are at.
Protecting Your Expatriate Family
If you and your family relocate overseas, one of your first priorities from a financial planning point of view may very well be establishing health care.Costs and services abroad can differ greatly to what you are accustomed to 'back home'.
Basic Coverage of Homeowner Insurance Policies
The insurance policy is a package that includes more than 1 type of insurance in a policy. There are 4 types of coverage contained in the home insurance policy.
Factors That Affect Your Car Insurance Premium
Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population.
What Is Renters Insurance Really All About?
Renter's insurance is protection intended for anyone who rents an apartment, home or other live-in dwelling. Purchasing renter's insurance can protect you against the risk of fire, theft, windstorms, falling objects, smoke, and vandalism.
Underinsurance Can Spell Disaster For Homeowners
Insurance is meant to give homeowners peace of mind, but an increasing number of policy holders are putting themselves at risk by neglecting to insure their home and contents adequately.There is often confusion over the difference between guaranteed and extended replacement value insurance.
Life Settlements, More than a Cash Surrender Payout
With a life insurance settlement, seniors now have the ability to receive a payout larger than their cash surrender value. Life insurance companies have always had the advantage by offering a low cash surrender payout for unwanted or unneeded life insurance policies.
Converting An Unwanted Life Insurance Policy Into Ca$h
Do You Own A Life Insurance Policy That You No longer Need or Want? It is possible that you may be able to can get a CASH settlement in excess of the current cash surrender value by selling your policy in the secondary market to an investor.Reasons To "Sell" A Policy:Family Situations Bankruptcy Estate Reduction Estate Tax Revision Business Was Sold 1035 Exchange Drain On Income Divorce - Separation Death of A Spouse Retirement Declining Health Non-Performing Policy Wealth Planning Work Related ChangesQualifying Types Of Life Insurance:Group Whole Life Term (Convertible) Joint Universal Variable Key Man (business related)Who Is A Qualified Candidate?Mature men and women over age sixty-five years of age who have an existing life insurance policy and whose circumstances have changed since purchasing the policy originally may qualify for a purchase and sale of their policy.
Should I Buy Rental Car Insurance?
Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase.
home | site map
All articles are copyright to their owners.
Note: this website lists articles, We do not Write Articles !