Ask yourself the following questions.

Firstly, if you are married:

1 If you were to die, would your husband or wife or children need some money to guarantee their future financial security?

2 Are you buying a house on a mortgage which in the event of your death would have to be sold, if the loan could not be paid off?

3 Do you want to cover the cost of your childrens education?

4 If you had an accident or were ill for a prolonged period, would you need to top up your income?

5 If you are a wife and mother, would your family need extra income if you were no longer alive to take care of them?

6 Are you in a particularly dangerous occupation?

Secondly, whether you are married or single:

1 Have you a home you need to protect against fire, flood or other damage?

2 Have you a car which is properly (and legally) insured?

3 Have you any possessions you would need to replace in the event of loss, damage or theft?

4 Are you interested in long-term savings which carry tax relief during the period you are saving and tax-free benefits at the

1 Have you employees you need to protect against accident, sickness and death?

2 Do you have any premises, equipment, vehicles which you can't afford to damage, theft Or fire?

3 Would it help you and your partner or co-directors to have a cash-free sum in the case of the death?

4 Are you covered for any public liability you may have?

5 If you have liability you our animals protected against death, or theft, and protected against .against loss Or damage?

6 Is your income protected should you have to have to close business for any reason

If you answer yes to any temporary questions, an some of us will answer in the affirmative to them all, you need some form of insurance cover.

In some cases you must have it. It is a criminal offence, for example, to drive a car which; does not have the minimal insurance which is required through legal requirements. For example in 2014 it is virtually impossible to get a mortgage today which is not covered by insurance in the event of your death.

But buying insurance can be complicated for those who are not skilled in financial matters.

Online there a bewildering array of policies is on offer from the industry to cover all sorts of risks. What suits one person is not good for another? Exclusions and exceptions to policies mean that the cover which is actually provided is not always the cover that the policyholder thinks, he or she has.

This website is designed to help the ordinary man or woman to find a way through the minefield of the online insurance market.


Ask yourself the following questions

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: The UK insurance business

Firstly, if you are married:

1 If you were to die, would your husband or wife or children need some money to guarantee their future financial security?

2 Are you buying a house on a mortgage which in the event of your death would have to be sold, if the loan could not be paid off?

3 Do you want to cover the cost of your childrens education?

4 If you had an accident or were ill for a prolonged period, would you need to top up your income?

5 If you are a wife and mother, would your family need extra income if you were no longer alive to take care of... see: The UK insurance business