2010 February | Insurance

Archive for February, 2010

Why take out unoccupied property insurance?

2010 - 02.27

Tags: property insurance, unoccupied property insurance
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Why may you need unoccupied property insurance? There may be many reasons why you have a property that is unoccupied:

it may be that you are a landlord looking for new tenants or going through a refurbishment;

you might have been designated to look after the property while the landlord is absent;

or maybe you are looking to sell the property after the death of a close relative or due to a change in your personal circumstances.

Whatever the reason, there is little doubt how important it will be for you to have adequate protection for the property in place. And this is where unoccupied property insurance comes in.

As with all insurance policies, features and benefits of the cover might typically vary from provider to provider. However, the sort of coverage that an empty property insurance policy will usually include would be against damage caused by fire, lightning, subsidence, aircraft damage, and loss / damage due to theft (if signs of forcible entry are shown).

Public liability insurance is usually included too, which may be particularly useful if you have workmen in the property, who may claim against you for loss or injury that happened while on your premises.

With empty property insurance, it means that you can rest assured that your property will be covered against the perils that can do serious damage it and potentially cause considerable financial distress.

Obligations to you

Obviously, an unoccupied property or one that is undergoing renovations may be potentially more at risk than an occupied property and an insurer will usually ask that you fulfil certain obligations in order to benefit from unoccupied property insurance.

Of course any requirements that may be asked of you may vary between lenders but they might typically include systems draining down and being turned off; you seal up letterboxes and make general checks regularly on the property.

Also bear in mind that the term ‘unoccupied property’ tends to be used by insurers to describe a property that has been empty for 30 or more consecutive days. So, even if you are planning an extended holiday for more than 30 days in a row, or you have to work away from home for a long period of time, it is important that you tell your insurer and have the necessary unoccupied property insurance cover put in place. Failure to mention this to your insurer will typically render your existing home building contents insurance invalid.

Caravan insurance static cover for peace of mind

2010 - 02.27

Tags: caravan insurance, insurance for caravan, static caravan insurance
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As the name of the policy suggests, caravan insurance static cover is taken out by those who have a static holiday caravan. It generally offers protection against a certain amount of events, such as:

Fire, explosion, storm, earthquake, flood, lightning or thunderbolt;

accidental loss or damage;

criminal acts or vandalism;

theft or attempted theft;

loss of rental income that comes about through an insured event.

As you can see, it can offer reassurance that no matter what happens, your static caravan will be covered against the unexpected. However, you should note that as with all insurance protection, there will be exclusions (these are things which are not covered) as well as obligations you will need to fulfil order to keep the cover in force. With this in mind always ensure that you know what protection the policy offers and what it does not and also what precautions you may have to take as the owner.

Exclusions

When it comes to exclusions, these may be things like:

damage to your caravan which was brought about due to pets in the caravan;

theft or attempted theft where these is no suggestion of forcible and violent entry or exit to or from your caravan;

any damage or loss of your outbuildings or fencing;

the awning if it were damaged by a storm while you are away from your caravan;

if you live in the caravan as your permenant home.

It should also be noted that exclusions generally differ among different providers, so it is key that you read over your policy document or ask your provider if you are confused about what is excluded.

Reducing your claims risk

You insurance premiums may be kept down by taking certain factors into account. Even some simple safety and security measures might help, such as the installation of:

a smoke and heat detector;

a carbon monoxide detector;

security lighting or security alarms around the outer of your static caravan.

Plus, make sure you have a fire extinguisher and fire blanket in an easily accessible position in your caravan. By treating your static caravan with great care, just as you do your home, accidents may be avoided along with claims on your insurance.

Finding a landlord insurance quote

2010 - 02.27

Tags: insurance for rented property, landlord insurance
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If you are a landlord, then protecting your business will be of optimum importance for you. Getting the most suitable insurance for rented property is not always just a case of purchasing the insurance offered by your mortgage lender. When you take insurance out you are covering your business and of course want the most suitable policy without paying premiums that are sky high. Therefore, you may wish to compare the cost of insurance.

What is covered?

But first, what does a buy to let landlord insurance policy typically cover? Buy to let policies can vary depending on the level of cover you choose and the provider, with something that is included as standard within one policy possibly being a pay-for add-on with another. However, a landlord’s insurance policy may cover all or some of the following:

Damage to buildings and contents;

Public liability protection

so much towards your legal costs;

Unoccupied property;

Multi-property protection

Accidental damage;

Glass breakages;

Loss of rent (due to an insured event happening).

Where might I find quotes?

You may be able to purchase buy to let UK cover with the majority of banks or building societies. You may also find it with specialist insurance providers. For ease, you may wish to take out your insurance with the latter, as they may often have access to several landlord insurance providers, so can give you a choice of quotes.

Whichever of these options you use to buy your insurance you do have to be aware of what a policy entails.

Do not only take into account the premiums – which is of course important – but the policy features and benefits too. When considering insurance do so on a like for like basis.

Other considerations

If cash flow is an issue (and when isn’t it?), when getting a landlord insurance quote, see if you can pay for your let property insurance by direct debit.

Therefore when you are choosing the most suitable landlord insurance for your particular needs you want to select comprehensive insurance and cheap premiums.Getting several landlord insurance quotes and comparing them may help you do this.

Caravan insurance considerations

2010 - 02.27

Tags: caravan insurance, caravan protection, insurance for caravans
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If you are looking for caravan insurance, what sort of things do you need to take in to consideration to make sure you stand the best chance of getting affordable cover that gives you the protection your caravan needs?

Probably one of the key points to finding the most suitable caravan insurance is to look around. Often people rush to take the first policy they find that is affordable without making a comparison. Whilst this may seem like the most hassle-free way to get covered, you may find that there are other policies available that offer caravan cover at a better price and / or cover that has more benefits and features.

Shopping around need not be time consuming either, if you take advantage of the internet. There are specialist insurance providers of caravan insurance online who are able to provide quotes for your insurance. When taking protection online you are able to check the benefits and features of a policy so you know what you are getting for your money.

When looking at the insurance, do take note of:

obligations you may have to bear in mind for the policy. For example, many insurers will ask that your tourer caravan is secured with both a hitchlock while attached to your vehicle, plus a wheel clamp when it is detached. And if you have a static caravan, you will need to drain down the heating system when it is left unoccupied during the Winter months;

what the cover includes, as this can vary from insurer to insurer. As an example, malicious damage caused to your touring caravan may not be protected by all insurers, but there are some who will;

cover relating to your awning. For example your insurance provider may state that you tell them the limit of insurance required and state it on the policy. There may also be exclusions relating to any damage caused by storms, such as if your awning is up but you are not present in your caravan;

exclusions in general. In any insurance policy you choose there are some exclusions – therefore it is essential to check these so you know what is protected in the policy.

By bearing these pointers in mind, you will have a head start when picking the most suitable caravan insurance for you.

Infertility Factors – Age, Sex & Other

2010 - 02.27

Tags: causes of infertility, infertility symptoms, signs of infertility, symptoms of infertility
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Symptoms of Infertility – Definitions

A couple is infertile when they are unable to have a baby after 12 months of regular and unprotected intercourse. Infertility is the incapacity to procreate.

One or both partners have varying emotional reactions when they are diagnosed as infertile. Severe reactions occur more frequently among childless couples.

Infertility, in couples that have never had a child, is referred to as primary infertility.

On another note, secondary infertility refers to the condition where couples who already succeeded in having a baby are finding problems conceiving again.

The Man Factor

Several emotional and physical factors can cause infertility.

Infertility cases in men, like low sperm count, retrograde ejaculation, scarring from sexually transmitted diseases, hormone deficiency, and impotence, make up approximately 30-40% of cases.

Sperm count is greatly affected by certain factors like frequent marijuana use or intake of prescription medicine such as nitrofurantoin, cimetidine and spironolactone.

Femaleness

Ovulation dysfunction, fallopian tube abnormality, endometriosis, ovarian cysts, scarring from STDs, hormonal imbalances, pelvic infection, poor nutrition, and tumors are just some of these “female factors.” These are the primary causes of 40 to 50 per cent of infertility cases.

Factors from both male and female, including other unknown causes, make up 10 to 30% of infertility cases.

It has been found that a small number, just 10 to 20%, of couples fail to conceive after trying for a year. It is essential for couples to keep trying to conceive for a year at the very least.

Factors Related To Age

Couples who are healthy, are below 30 years old, and have intercourse frequently have just a 25 to 30 per cent chance a month of conceiving. Women in their 20s are at the peak of their fertility. Pregnancy for women more than 35 years old is 10% less, even lower for those over 40.

Other Causes Not Age Related

Age-related factors are not the only causes of infertility. The following are also considered major risks to infertility:

* Multiple sexual partners (higher possibility of getting STDs)
* Sexually transmitted infections
* PID history (pelvic inflammatory disease)
* Males with history of orchitis or epididymitis
* Mumps in males
* Varicocele in males
* Health background citing exposure to DES (both male and female)
* Eating disorders among women
* Irregular menstruation and anovulation
* Endometriosis
* Problems with the uterus or the cervix
* Long-term disease like diabetes

Other Useful Information

Click here to know more on how to increase pregnancy chances .

Click here for information on infertility insurance coverage .