Car Insurance Tips: What You Need to Know to Reduce Your Premiums


When you’ve got a car, there are several factors that eat up a lot of your budget in maintaining it. The main expense is, of course, petrol. However, the next biggest outlay for your car is the insurance. The roads are never a hundred percent safe, and getting into an accident will result in damage that needs to be repaired and injuries that require medical attention. Fortunately, it’s possible to lower the amount you have to pay in your insurance premiums. Here are a few tips.

Know How Your Premiums are Calculated

The most important step that you can take when getting car insurance quotes from companies like Simply Insure is to ask them how they calculate the premiums. There are a lot of conditions involved into deciding how much you’ll pay.
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Your Home Insurance and You: Why Getting Home Protection is Important


Homeowners in Ireland (and everywhere else) definitely do not wish for disaster to befall their homes, but no one can predict the future. Your home may experience fires or flooding, which would require a lot of money to repair. Though your savings can mitigate some of the cost, having them wiped out would be bad news; if the damage is really bad, your savings may not be enough. That’s where your insurance can help you out.

What it Protects You From

Learning more about home insurance helps you understand why exactly you need it. Right now, there are four kinds of insurance that are connected with homes. The first type is the one that you’ll probably need most: building insurance. As a rule of thumb, building insurance covers anything that you can’t take with you when you move homes.
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Car Insurance in Ireland: Get to Know the 3 Available Types of Cover


Third-Party Cover

Third party cover is the minimum car insurance cover required by law. If you are at fault in an accident, this type of insurance pays the other party for the cost of damages that he or she suffered, including property damage, injury, and death. It also includes coverage for the other party’s financial losses arising from injuries from the accident, including medical expenses and loss of income. Third party cover offers no pay-out for damage on your own car from an accident where you are at-fault, or for your losses in case of fire or theft.
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Home Insurance and Other Concerns: The Biggest Regrets of Homebuyers


“If I could do it all over again, I would.”

You’d be surprised at the number of homebuyers who have thought this after a home purchase. Some come to this realization many years down the road, while others, almost instantaneously. In the U.S., one in four get “buyer’s remorse” after a home purchase; while in the U.K., this figure is a close one in five.

Fortunately, this doesn’t seem to be the case in Ireland, where there are more people owning their own homes than any other European Union country, and with most not experiencing any problems with the home buying process. However, this does not exempt Irish people from making the same mistakes that many around the world do.
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Car Insurance in Ireland: Three Types of Coverage You Can Choose From


On the provider’s side, a number of factors are considered when presenting car insurance quotes, including the driver’s experience, previous driving convictions and penalty points, and the main use of the car.

Those looking for insurance should bear in mind that different providers could offer different rates, even with the same factors considered, so it pays to shop around. The best insurance brokers like Simply Insure have user-friendly online tools that make it easy for shoppers to compare rates and find the coverage that suits their needs and budget.
http://www.simplyinsure.ie/2015/06/11/car-insurance-ireland-three-types-coverage-can-choose/

A Few Tips on How You Can Strike an Excellent Home Insurance Deal


The National Consumer Agency (NCA) has stressed time and again that consumers can save a lot on their home insurance by merely shopping around, rather than sticking with one adjuster. A survey conducted by the foremost consumer welfare organization in Ireland proves it—a differential of €421 on the price of insuring a three-bedroom bungalow in a locale like Midleton, Co Cork, between the cheapest quote at €279 and the priciest one at €700.
http://www.simplyinsure.ie/2015/06/09/tips-can-strike-excellent-home-insurance-deal/