Student Possessions Insurance – One Less Thing to Worry About

If you're planning on heading off to pastures new after being accepted into a university, it can be easy to be completely enveloped by the excitement and anticipation of finally fleeing the nest and forget about the practicalities of your new life. One thing is essential, however – student possession insurance. When your life is…

If you're planning on heading off to pastures new after being accepted into a university, it can be easy to be completely enveloped by the excitement and anticipation of finally fleeing the nest and forget about the practicalities of your new life. One thing is essential, however – student possession insurance.

When your life is changing rapidly, you might want to focus on getting all your things together and settling down in some new accommodation, ready to start making friends and getting to know a totally new area. So give yourself some peace of mind and one less worry by investing in student insurance.

Scholars notoriously have a tight budget to stick to, but you might be surprised by how cheap cover can be. Student insurance policies are extremely useful as they provide protection in the event of theft. If you're taking expensive items to university – such as laptops, televisions, mobile phones and the like – you can rest assured that these items will be covered you should ever return to your digs and find they have vanished.

Some policies cover walk-in theft and have features tailor-made for students, like 24-hour laptop replacement. So if you need your computer quickly, you'll find one delivered to your door in less than a day. If your laptop will take more than five days to repair, you can also benefit from receiving a replacement on loan while yours is being fixed – preinstalled with programs like Windows.

Other features often include cheap mobile phone insurance, new for old replacement of items and special discounts if you take out a policy jointly with your housemates.

You can expect to pay reasonable costs for your cover – for potentially less than a night out you'll receive around £ 3,000 worth of cover for your possessions, which should be more than enough for all your treasured marriages.

So give yourself one less thing to worry about and concentrate on familiarizing yourself with new places and faces and most of all – enjoying your new life!

Fire Insurance – How It All Began

Fire insurance as now commonly used is usually considered to have begon after the great conflagration of London in 1666. While marine insurance – the oldest form of insurance in existence – had been steadily developing and extending with the great expansion of trade and navigation which followed the discovery of the New World, and…

Fire insurance as now commonly used is usually considered to have begon after the great conflagration of London in 1666. While marine insurance – the oldest form of insurance in existence – had been steadily developing and extending with the great expansion of trade and navigation which followed the discovery of the New World, and although merchants arid ship owners from very remote times clearly foresaw and provided against the perils of navigation, very little specific attempt was made by property owners to secure indemnity for loss caused by fire prior to the date above mentioned.

It is true that some forms of provision for the aid of those suffering from loss by fire and other calamitous causes apparently exist in very remote times, as the following quotation will evidence:

“The earliest application of fire insurance known to us was in connection with communes of towns and districts. These communes flourished in Assyria and the East more than 2500 years ago. Judges, practices, and magistrates were appointed for each town and district with power to levy contributions from each member of the commune to provide a fund against sudden calamities such as daught and fire.

If the judges were satisfied that the fire was incidental they empowered the magistrates to assess the members of the commune either in kind or in money, and in the event of any member being imable through poverty to meet his share of the contribution, the deficiency was made up from the common fund. These communes still exist in a modified form in China. ”

As early as 1240 ad the laws of Count Thomas of Flanders provided that the members of a community as
a whole should make a good loss which fire might cause to an individual, except the incendiary who caused the fire could be discovered, in which case the loss was to be made good from his property and he was to be banished. It will be noted that the plans outlined above contemplated an assessment by the state and that all property owners were protected. We may discover here, therefore, the beginning of state fire insurance, which will be later further fully described and which continues in Germany and elsewhere to this day on a large scale.

Another method for protection and security against loss by fire, water, robbery, or other calamities, anose during the Middle Ages in connection with the various Anglo-Saxon and German guilds, the members of which made regular contributions towards a common relief fund.

In 1609 a plan was proposed by one of his subjects to Count Von Oldenberg, wherein it was proposed that he would personally consent to insure those of his subjects, who might so desire, against the loss of their homes by fire upon an annual payment to him of a fee or premium of one dollar for every one hundred dollars of valuation.

This suggestion was declined by the Count, though not without some hesitation, and, although he suggested that such a plan might well be undertaken by a company of private individuals, no action on his suggestion seems to have been taken. This, so far as I have been able to discover, was the first suggestion ever made looking toward the formation of a company or association for fire insurance purposes only.

iPad Insurance and Its Benefits

If you have an iPad, then you potentially have a piece of expensive equipment. And while you may do your best to look after and keep your precious iPad safe from harm, it could still fall foul to things out of your control such as incidental damage; theft; or breakout outside of the manufacturer's warranty…

If you have an iPad, then you potentially have a piece of expensive equipment. And while you may do your best to look after and keep your precious iPad safe from harm, it could still fall foul to things out of your control such as incidental damage; theft; or breakout outside of the manufacturer's warranty period. The good news is that iPad insurance (also sometimes referred to as gadget insurance) may be able to help in circumstances such as this.

Available as a standard product – meaning that you do not have to buy it from the same company that sold you your iPad and so can shop around for the most attractive deal – for iPads can be a way of making sure that you won ' t suffer major financial loss or be without your iPad for too long should the unexpected happened.

What is covered?

While policy features and benefits may vary among providers, a typical iPad insurance policy may offer all or some of the following benefits:

  • cover against accidental damage, sometimes including liquid damage;
  • theft from a secured location;
  • breakdown outside of the manufacturer's warranty period;
  • worldwide cover, meaning that your iPad is covered no matter where in the world you are;
  • guaranteed replacement within 48 hours of a successful claim.

As with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to read these carefully to ensure you understand them. Do also note that you should make a claim on your iPad insurance, you will usually be liable to pay an excess. An excess is the amount that you will need to pay in making a successful claim. However, any outlay for this excess, compared to the cost of repairing or replacing your iPad, may typically still potentially save you a tidy sum.

The cost

And while we are on the subject of costs, you may think that because of the potentially wide range of benefits offered by iPad cover, the cost of this protection may be high. However, there are a number of competitively priced gadget insurance policies available on the market place, often online, some which may include additional benefits such as one months' free cover for iPads.

So, if you have been worried about the fate of your iPad if something happened to it, now may be a good time to invest in iPad insurance and start enjoying the peace of mind offered by this cover.

Top Tips for Getting iPad Insurance Cover

If you are the proud owner of an iPad or thinking about getting one, you may also wish to give some thought to iPad insurance cover. iPad insurance cover is designed to help cover the costs of repair or replacement of your iPad should something unexpected happened to it. Read on for some top tips…

If you are the proud owner of an iPad or thinking about getting one, you may also wish to give some thought to iPad insurance cover. iPad insurance cover is designed to help cover the costs of repair or replacement of your iPad should something unexpected happened to it. Read on for some top tips on what you may need to know when choosing your cover:

  • While policy features and benefits may differ among providers, a typical insurance policy may cover things like accidental damage (often including liquid damage); theft; and breakout outside of the manufacturer's warranty period;
  • Note that not all insurance for iPads will offer the same benefits and features as another, so do check the policy word so you can be sure what the insurance entails;
  • Some iPad insurance cover may also be referred to as gadget insurance;
  • Look out for additional benefits offered by the more generous providers such as one month's free insurance for your iPad;
  • Worldwide protection for your iPad is available with some gadget insurance providers;
  • How quick will you get a replacement iPad in the event of loss or damage? Some policies will guarantee a 48 hour replacement in the event of successful claim;
  • If you have other gadgets you also wish to insure (eg a camera, sat nav etc) then look out for providers who offer a discount if you cover more than one item with them;
  • Does the iPad cover offer a data back up service? This is available with some providers and means you will not lose all of your precious data should something happen to your iPad (there will usually be a limit as to how much you can store with the provider);
  • Check out how much the gadget insurance policy excess will be. An excess is the amount that you will need to pay in making a successful claim;
  • Do make sure that you know what the cover entails. As with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to read these carefully to ensure you understand them;
  • Finally, do shop around and compare iPad insurance cover so that you can satisfy yourself that you have bought the most suitable cover for you.

Looking for Used iPad Insurance?

If you have had your iPad for a while now, you may be wondering whether it is too late to protect it with used iPad insurance. The good news is that while most gadget insurance providers will have restrictions on how old something may be at the time you purchase your cover, you may still…

If you have had your iPad for a while now, you may be wondering whether it is too late to protect it with used iPad insurance. The good news is that while most gadget insurance providers will have restrictions on how old something may be at the time you purchase your cover, you may still have time to get iPad cover organized.

And if you buy iPad cover, typically that means you'll get the peace of mind that should something happen to your iPad, you will typically get a replacement or get it repaired, without hassle and very little cost to you.

iPad insurance that sounds too good to be true?

Not necessarily! With some insurance for iPads providers, they will guarantee to repair or replace your iPad within just 48 hours of a successful claim – and no matter where in the world you are if you have international cover as part of your policy.

And as to any costs involved, if your claim is successful, you'll have no pay for the full repair or replacement cost, just the pre-defined excess. An excess is the amount that you will need to pay in making a successful claim and just about all insurance policies, whether for your car or home or other insurance, will require that you pay an excess amount.

So, what can used iPad insurance cover?

As with any insurance product, terms and conditions, exclusions and limitations will apply and policy benefits and features may vary depending on what you buy your iPad cover from, so you may wish to read these carefully to ensure you understand them.

However, a typical gadget insurance policy may include cover for things such as:

· Theft;
· Accidental damage (sometimes including liquid damage too);
· Malfunction outside of the manufacturer's warranty period;
· International cover, so your iPad is covered at home and while you are traveling on business or holiday;
· Free data back up (usually up to 3GB though this depends on the provider), so you do not lose your precious data.

Look out for other used iPad insurance incentives to buy too, such as one months' free insurance and discounts if you insure other gadgets with the same provider too.

Tips When Looking for Cheap Apple Insurance

If you have an iPad, then you may want to protect your precious gadget from the financial ramifications of something untoward happening to it. Here are some tips of what you may need to know about cheap Apple insurance and what to look for when you compare iPad insurance cover: what you think is cheap…

If you have an iPad, then you may want to protect your precious gadget from the financial ramifications of something untoward happening to it. Here are some tips of what you may need to know about cheap Apple insurance and what to look for when you compare iPad insurance cover:

  • what you think is cheap Apple insurance may not be cheap to someone else, so remember this when talking to friends and collections about the cost of cover. For example, what you think is affordable iPad insurance, someone else may think is expensive. Your perceptions of cost are as unique as you are and cover should be bought based on your own circumstances and needs and not someone elses;
  • iPad cover may protect your device from a number of unexpected hazards and these may vary depending on what you buy your cover from. However, a typical list of benefits may include things such accidental and accidental liquid damage; theft; malfunction outside of a manufacturer's warranty period; international cover (so it is protected abroad when you are away on holiday); and a guaranteed 48 hour replacement should your claim be successful;
  • insurance for your iPad may also be known as gadget insurance;
  • to reach the ultimate goal of getting what you consider is cheap Apple insurance, it may make sense to shop around online for cover;
  • when you compare iPad cover, do not just look at the price, look at what the protection entails and compare gadget insurance policies on a like-for-like basis;
  • some iPad insurance providers offer additional benefits in the form of one months' cover free, or free data back up – look out for these and other incentives when you look to buy iPad insurance online;
  • you do not have to buy insurance for your iPad from the shop where you bought it – you can purchase standardone iPad insurance cover;
  • most gadget insurance providers will require your device to be under x amount of months old at the time of buying cover, so if you are thinking about insuring your iPad, you may not want to wait too long;
  • no matter how rushed you are feeling, it may make sense to take the time to read the small print of any cheap Apple insurance policy you are considering. As with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to read these carefully to ensure you understand them.

Is Cheap iPad Insurance As Elusive As It May Seem?

Is cheap iPad insurance as really elusive as it looks? Well, the reassuring news is that there are attractive deals available out there (particularly online) that allow you to get competitively priced iPad insurance. However, really the concept of what constituents insurance depends on your own particular perceptions and this may not be the same…

Is cheap iPad insurance as really elusive as it looks? Well, the reassuring news is that there are attractive deals available out there (particularly online) that allow you to get competitively priced iPad insurance. However, really the concept of what constituents insurance depends on your own particular perceptions and this may not be the same as what someone else thinks is cheap iPad cover.

As an example, you may think the best iPad insurance is one that gives you a multitude of benefits at a price that, in comparison with other policies offering the same range of features, is relatively cheap. However, for someone else, cheap iPad insurance is the cover that is priced at the lowest cost possible, irrespective of the benefits it offers.

So, rather than looking solely at the price, you may want to look at what the cover offers you in relation to the price. That way you may feel comfortable that you are paying for insurance that actually does what you want it to do.

After all, there is no point in getting cheap iPad cover that, if you come to make a claim on it, does not pay out as it only offers limited benefits.

Of course, it's not just the price that needs consideration – policy features and benefits may differ according to where you buy your iPad cover from. And, as with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to read these carefully to ensure you understand them.

So, bearing all these points in mind, what does a typical policy offer? Benefits may include all or some of the following:

  • cover against theft;
  • accidental damage (often including liquid damage);
  • malfunction outside of the manufacturer's warranty period;
  • 48 hour guaranteed replacement in the event of you making a successful claim;
  • free data back up, to set limits:
  • worldwide cover.

So, in summary, only you can decide what constituents cheap iPad insurance. The good news is that there are a varietal of online resources and gadget insurance websites that allow you to compare cover, enabling you to make the choice that is most suited to your circumstances.

Tenant Insurance May Lead To Cheaper Landlord Insurance

If you insist on your tenants having insurance you may benefit from lower premiums on your landlord insurance policies. We all know that you have a duty to insure the building but this insurance cost can destroy your profits so it pays to try to reduce this expenditure if you can. There are other ways…

If you insist on your tenants having insurance you may benefit from lower premiums on your landlord insurance policies. We all know that you have a duty to insure the building but this insurance cost can destroy your profits so it pays to try to reduce this expenditure if you can.

There are other ways to reduce the cost of insurance cover. Pick your tenants with care. Insurance companies like older tenants or those who are more likely to be at home during the day ie housewives. This means that the property is likely to be occupied more often then preventing burglaries and criminal damage. Installing extra security such as fire as well as burglar alerts will also help to push down cost.

If you avoid certain types of tenants considering to be high risk by the insurance companies ie students and those on social welfare benefits, your insurance premiums are likely to be lower. Some landlords specialize in renting to these groups. If you fall into this category increasing the excess on your policy as well as having tenant insurance in place will help achieve lower premiums on your plan.

Do not over insure your building by design or accident. You do not usually insure a building for the current market value as the insurance company is not interested in the value it would sell at. It is only interested in the amount it would cost to rebuild the building if it were to fall down or be badly damaged due to fire etc. So check the amount of cover you have in place to make sure you have not overstated the amount you need and are paying unnecessarily high premiums for the privilege of making this mistake.

Having a lease that stipulates all tenants need tenant insurance is only one of many ways to reduce your insurance costs when you are a landlord.

Can You Insist On Tenant Insurance?

If you are a landlord can you insist your tenant take out tenant insurance? The answer is probably yes but it may be best to check with the attorney who draws up your rental agreements. If you do plan to stipulate that your tenant will require renters insurance you need to apply this rule to…

If you are a landlord can you insist your tenant take out tenant insurance? The answer is probably yes but it may be best to check with the attorney who draws up your rental agreements. If you do plan to stipulate that your tenant will require renters insurance you need to apply this rule to everyone living in the building and not just certain people. Not only should you be able to insure on cover being in place but you may also be able to stipulate the level of minimum cover you are willing to accept as a condition of the lease.

Why would you want to insure on tenant insurance? As a landlord you have a duty to insure the building your tenants live in. You may be able to reduce the cost of this cover if you prove to your insurance company that the people living in the property carry their own personal insurance and that this cover is at adequate levels. Actuaries, the people insurance companies employ to calculate risk and corresponding premiums, will like the fact that the tenant have their own cover. This makes them appear to be less risky as they are being responsible by putting their own insurance cover in place.

As a landlord you have a number of responsibilities, having the proper insurance plan in place is only one of them. If you are new to the letting business it pays to speak to an expert in this field if only to seek reassurance that you have all of your bases covered. You do not want to be sued or if sued, find you have insufficient cover. Talk to your insurance broker today and find out his views on tenant insurance as well as the other types of plans you may need to put in place. It pays to be careful especially when dealing with the general public.

How Can You Get Lower Renters Insurance Rates?

When you are renting your home it is prudent to reduce costs where possible to allow you to save towards buying your first property. Achieving lower renter's insurance rates on your policy will help toward this goal but how do you go about this? Apply these 6 tips and you should get a much better…

When you are renting your home it is prudent to reduce costs where possible to allow you to save towards buying your first property. Achieving lower renter's insurance rates on your policy will help toward this goal but how do you go about this? Apply these 6 tips and you should get a much better deal!

1) Insurance is necessary as we never know when we will fall victim to a fire or flood but do not treat it as a means to get a whole lot of new stuff. Protect your essential belongings but do not go overboard.

2) Always shop around for the best deal. If you already have auto insurance try your existing provider to see if they offer renters insurance and if you will qualify for a lower rate as you are an existing customer.

3) Make sure your credit report is up to date and accurate before you make your application for any insurance policy. You are entitled to check your report on an annual basis for free but make sure you get copies from all three agencies as they can be slightly different. If there are any errors have these corrected as this will help increase your credit rating which should mean you qualify for lower renters insurance rates.

4) It helps if you have been in your current job for a while as actuaries do not like clients who move from one job to the next. They see them as being higher risk.

5) If possible pick a good area to live in as areas with high crime rates will have a negative impact on your policy premiums.

6) The type of property may have an impact as well. A ground floor apartment in an area prior to flooding is probably going to mean you pay higher renters insurance rates than someone living a couple of floors above you.