5 Steps To A Cheap Personal Loan
A personal loan can be a vital part of a well executed financial plan. You can use one to consolidate other debts, or to pay for something that won't fit on your credit card - or that will be cheaper with a personal loan than at exorbitant credit card rates.
Of course, it makes sense to get the cheapest personal loan that you can find. Here are five steps to finding and getting a cheap personal loan for your needs.
1.Be strategic.
Maximise your chances of being accepted for a personal loan...
5 Tips For Cheaper Life Insurance Premiums
1. Consider an income policy instead of a lump sum
Most people know that life cover pays out a lump sum if you die. But far less know that you can buy cover that pays a regular tax free income instead of a lump sum. Its official name is Family Income Benefit and is often cheaper than the more common Level Term lump sum payout option. So why would an income be better than a lump sum?
Many people who take out a life insurance policy simply want to provide an income for their family to replace...
Are You Too Old For Cheap Travel Insurance?
Remember the days when grandparents might toddle off to the coast for a holiday? When the most adventurous trip they might take was a sight-seeing bus through the Highlands? Those days are long gone for many senior citizens and those over 65 are just as likely to be on the ski slopes as those half their age. Many seniors have just got to the point in their lives when they can kick back and relax - and their relaxing often involves deep sea diving and hikes through the wilds of a jungle.
The...
Do You Know What Your Home Insurance Doesn't Cover?
If something happens to your home, either with it's contents or construction, are you certain that your home insurance policy would pay out?
Many of us buy buildings and/or contents cover and assume that everything is covered. It's only when we need to make a claim that we might discover an exclusion written into the policy that means we have to foot the bill.
The only way to be certain is to read through your policy and know what is covered and what is not. There are many things that your...
Does Your Car Insurance Cover You For Driving Abroad?
By law, British motor insurers must cover your car for the minimum cover required by the law in other European countries, or the minimum cover required by UK law, whichever is greater.
In most cases, this means that no matter where you are driving your car, you'll have at least Third Party coverage. There are special conditions that may apply however, and you'd do best to check with your individual insurer to find out about limits or conditions on your policy. These are some of the most...
Fat Pets Equal Fat Bills
With more than one third of cats and dogs in the UK classed as obese, the costs of owning a pet are rising whether or not those obese pets are insured. If your pet is obese, chances are you're going to end up paying for it one way or the other.
According to new research from Sainsbury's Bank, there are around 2.72 million obese dogs, and 2.87 obese cats in the UK. That's more than 5.5 million pets whose health is suffering as a result of their excess weight. The owners of those pets are...
How To Insure Your Business Assets
Losing your business assets in a fire or other unforeseen event is a disaster, even if you're covered by insurance. If you're not insured, or if your policy is inadequate, that disaster situation could mean the end of your business. There's little you can do to solve the problem if you're not covered by insurance, so it's definitely worthwhile spending a little money now to save a big headache later on.
Before Choosing Insurance
Insurance companies tend to impose heavy requirements on...
How To Minimise Risks To Your Property For Cheaper Home Insurance Premiums
One of the best ways to cut your home insurance premiums is to reduce the risks to your property and it's contents. All insurance is based upon risk so if you can find ways to reduce the risk to your home insurer, your premiums should follow.
Some of the steps you can take to protect your home may surprise you but by taking steps like putting up storm shutters or repairing roof shingles, can often result in a drop in your home insurance premium. Here are a few suggestions for ways to protect...
How To Take Control Of Your Car Insurance Costs
Amid concerns about a predicted increase in premiums, it's actually become easier than ever to save money on your car insurance, if you know how and where you can cut costs.
According to the latest AA British insurance premium index, if you shop around at renewal time you can save up to 33% on your car insurance costs. The index data also showed that those who insure their cars for third party theft and fire damage have the most to gain by switching to a new insurer at renewal time.
Cut What...
Is Womens Car Insurance Just A Marketing Gimmick?
Women's car insurance has been popping up all over the net and our TV screens lately. There's a whole new class of insurers like Sheila's Wheels and Cover Girl who offer car insurance for ladies only. They promise lower premiums for women drivers because, they claim, it's cheaper for them to insure women. Women are better drivers so a lower risk, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are usually cheaper. So, is it really...
Should You Buy Mortgage Payment Protection From Your Lender?
So, you've done your home work and found the best mortgage for you with a great rate that should save you money. This is where many borrowers let their guard down and end up paying way over the odds for insurance sold to them by their new lender.
Whilst, Mortgage Payment Protection Insurance can be a financial life saver should you be unable to work through illness, injury or even redundancy, some borrowers are paying a significant proportion of their monthly payment to the lender in...
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