The Basic Facts on Insurance - Car owners

If you are a car-owner, motor insurance is compulsory by law. You must cover yourself for any claims that may be made against you for causing death or injury to anyone in a road accident. A third-party policy covers claims for damage to someone else's car or property. You may add protection for fire, theft, accident benefits, loss or damage to your own car, medical expenses and many other perils which come under a fully comprehensive policy (see Section 4).

Most insurers issue three types of policy for householders: for the buildings, for the contents of the home, and for specific articles of value which have to be insured specially. These policies cover losses or damage resulting from fire, storms, theft, burst pipes, broken glass, or claims made against you by visitors to your home (see Section 30 for details).

Many different policies (described in Section i6) are available to the businessman, each designed to suit particular circum stances. Most policies insure premises against fire, theft, floods, etc., as well as for any loss of profits resulting from these perils. Nearly all such policies include cover for liability towards employees and the general public. There are special package policies for small shopkeepers, garage owners, farmers, engineering concerns and for the professional man.

Besides the types of insurance which have so far been described, there are some interesting and unusual policies. Models and film stars often insure their legs or bust-line where their livelihood depends on these features, and, similarly, singers may insure their voices and instrumentalists their hands. You may also insure against having twins, triplets, quadruplets, etc., and if you are a woman over 45, you can even insure against having any further children at all.


Car owners

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 Basic Facts on Insurance - What can you insure?

If you are a car-owner, motor insurance is compulsory by law. You must cover yourself for any claims that may be made against you for causing death or injury to anyone in a road accident. A third-party policy covers claims for damage to someone else's car or property. You may add protection for fire, theft, accident benefits, loss or damage to your own car, medical expenses and many other perils which come under a fully comprehensive policy (see Section 4).

Most insurers issue three types of policy for householders: for the buildings, for the contents of the home, and for specific articles... see: The Basic Facts on Insurance - What can you insure?