My Life
We all understand how important it is to plan for the future, not just for ourselves but also for our families. However, what is equally important, is that we do not forget the needs of today.
It's all to easy to end up over-paying for the essentials such as home, motor and travel insurance. Alternatively, you may have delayed purchasing these products because of their cost or because the range available makes choosing the right plan a difficult task.
This section leads you through a number of different products associated with this area of personal finance. We have quotation facilities that allow you to assess whether you have the correct insurance cover and to allow you to check that you are paying the lowest possible premiums for theprotection you require.
Also included are sections of Health and Employment. In these sections there are opportunities to consider aspects of financial planning from Health Insurance through to Pensions or Redundancy cover.
Like all parts of this website we have tried to make things easy to follow, but if you feel you need more information on any of the subjects, just click on the button marked 'Contact us' shown above.
Identity Theft
Many people are now suffering from Identity theft. It is easy for thieves to steal your identity from your disgarded post, bank statements and old computer hard drives. Make sure you dispose of unwanted items properly. Shred, or burn, paper records and make sure you format computer hard drives, or remove them altogether. If you are worried about the consequenses of Identity Theft you can now insure against it. How does Identity Theft Insurance work?
* Identity Theft Insurance provides peace of mind against losses incurred as a result of becoming a victim of identity theft.
* Identity Theft Insurance covers the various expenses incurred in seeking to defend an insured's name and reinstate their credit status after fraudulent activity.
* The date of loss is determined from the first fraudulent transaction identified and / or any physical or electronic record with any of your financial institutions.
Travel
We all spend many hours of our lives travelling, whether it is to and from work, away on a business trip or on a holiday or other pleasure trip. Not only has our choice of locations increased, but also have the methods we use to reach these destinations - car, plane, boat, train, bicycle, or for future space tourists, a space shuttle!
As our travelling times and distances have grown, so have the ways in which we can protect ourselves from the risks involved in travel. Travel Insurance companies now cater for the standard two-week summer holiday or the frequent business traveller. There are also annual policies that can cover the individual traveller or the whole family.
Insuring your holiday travel is an important area of planning, but it is often overlooked until the very last minute. Not insuring yourself or your belongings could turn the holiday of a lifetime into the experience that you'd rather forget. From car breakdowns to lost luggage, it makes sense to have an insurance safety net to fall back on.
Information about Travel insurance is available. If you need assitance contact us by using the button above.
Motoring
For many people, driving is a necessity and the need to keep a car on the road is essential. Whether you use your car principally for work or mainly for pleasure, having the right insurance cover can make the difference on how quickly you get back up and running were things to go wrong.
The motoring organisations calculate a staggering 30% of vehicles on the road are not insured at all, which could make a collision an expensive affair for you.
Shopping around for car insurance has become an annual ritual for many people and can be a time consuming business. Although some car manufacturers now provide free breakdown cover at the point of initial sale, a breakdown policy with widespread coverage and a guaranteed response time can offer peace of mind, especially if you include your family on the policy.
Health
In today's busy world there are many pressures on a person's time: work commitments, studying for new qualifications, trying to keep fit, caring for someone else. Whatever the reason the result can very often be the same, the important things of life do not receive the necessary time or consideration that they deserve.
This might mean not spending enough time with family or friends or perhaps is not spending enough time to properly look after your own health. Nobody likes the idea of having to wait in line to see a doctor or consultant and trying to plan your life around a hospital appointment can sometimes prove very difficult.
A solution chosen by a large number of people is the purchase of Private Medical Insurance. Many people see the advantage of 'going private' in that it not only provides the necessary treatment, but also because it introduces more control over the timing of when the treatment takes place.
Whatever your reasoning for considering Private Medical Insurance, we can help. Whether you are trying to establish how much Insurance might cost or trying to compare the various medical insurance plans available, we can help you to make an informed choice. Right now you can start planning your own 'health service'.
Employment
Whether you are a self-employed person or you work for a multi-national company, protecting the income you earn should be a major priority. State unemployment benefits are unlikely to cover all the financial needs of you and your family. Taking advantage of the plans that provide cover should you be made redundancy or suffer other unexpected gaps in your income may make it possible to maintain your living standards during a difficult situation.
Planning for your retirement is equally important. Although many employers offer a pension scheme, you must ensure that it will provide sufficient income once you have retired. Although there is currently the safety net of State pensions these are perceived as low in value and could even dwindle before you retire.