Women’s Car Insurance Review

Women’s car insurance, how long has it taken for insurance companies to realise just what safe drivers we are? I’ll bet you any money that whoever came up with these types of car insurance policies was a woman! Some of the biggest car insurance companies have, at last, started to reward women for the fact that they rank lower in the risk stakes when it comes to being on the road. For a start, we girls do not allow our heads to be turned by all of those extras that you can add to your car in order for it to become sportier. This (if you didn’t already know) actually raises the cost of insurance on your car.

The reason behind this is that the faster your car is the more at risk you are of having an accident. Plus, women tend not to speed as much as men do, we mostly use our vehicles for commuting to and from work or completing the daily school run. This means that as a whole, women have to be more responsible when they are on the road because they are more likely to be carrying young passengers or delicate loads like the weekly shopping.

Here are some statistics for you:

  • In the UK alone driving offences are committed by over 90% of men
  • When it comes to dangerous driving the statistics show that over 95% of this sort of offence is caused by men.

Any person that is involved in marketing within a car insurance company cannot ignore these statistics, they speak for themselves!

How to go About Finding the Right Women’s Car Insurance Policy

One way in which you can find a car insurance policy to suit you if you are a woman is to research on the internet; there are plenty of price comparison websites that you can use to find companies that specialise in women’s car insurance policies. Be aware, however, that not all reputable insurance firms subscribe to price comparison websites. My advice here is to start there, gather some quotes and then go to other car insurance companies to see if they can match the prices you have found.

The other thing you can do is ask around, word of mouth is a very powerful marketing tool…if you happen to work for or own a car insurance company and are reading this article, please take note….we do talk about you!

Make sure that before you decide on a car insurance policy that is geared towards women that you understand fully what is covered when it comes to you and your vehicle; many people (not just women) get themselves into sticky financial situations because they have not understood EXACTLY what their car insurance policy covers.

Some of the Best Women’s Car Insurance Companies

AA – This Company has been around for many years and his here to stay. They are practically a household name in the UK and offer some great deals on women’s car insurance policies. The one thing they are great at recognising is that as a woman, if you are driving alone and happen to breakdown or are involved in an accident, you are more at risk of becoming a victim of additional crime then men are. They pledge to attend to your needs within 30 minutes of you calling them and this can come as standard with their fully comprehensive car insurance policies. I have chosen this company as top of the list because I honestly cannot find a bad word to say about them. The discounts they offer for women’s car insurance policies are some of the best on the market and if you go to them with a price you have already been quoted, they will more than likely match or even beat that price.

Sheila’s Wheels – What a fantastic company name, as a woman I would be interested in researching their car insurance policies just because of that. I guess that’s why they came up with the name….very clever, whoever thought of it. One of the best things that this company offers with its comprehensive car insurance policies is handbag cover for up to £300; for any men reading this, you may think “what a load of old rubbish”, well let me tell you, handbags are incredibly important to us ladies and we guard them with our lives. It’s not just about having your favourite lipstick to hand, we keep our keys, credit cards and money within our handbags so having a car insurance policy that covers this is a real bonus.

Another great idea that Sheila’s wheels has come up with is that they will offer you counselling with you car insurance policy, this is available to you 24 hours a day, every day. I only wish that I had come across this company sooner, some years back I was involved in a car accident and had I had counselling available to me under my insurance policy I would definitely have taken advantage of it. Of course no claims discount is important to us as well and this company offer up 75% with their women’s car insurance policies.

Women on Wheels – Yet another great company name, if you are looking for a car insurance policy tailored for women; there will be no confusion about what this company does. These guys are part of the Endsleigh Insurance Group and if you go to their website all you need to do is click on the “get a quote button” and they will find a policy that suits your own needs. This is great, because everyone is different and we ladies require different types of cover than men. They do also have the following that comes as standard with their comprehensive women’s car insurance policies:

  • Up to 76% no claims discount.
  • All repairs that are carried out on your car are guaranteed for 5 years.
  • If you use one of their preferred garages for servicing or MOT you can save between 10 & 20%.
  • If your car needs to go in for repairs, you get a courtesy car as standard.

Bear in mind that the above are just a few examples of what you can expect to get from your car insurance policy and do also remember that if you have a special requirement, they will do their best to help you.

These are just a chosen few of the car insurance companies that specialise in women’s car insurance policies. A lot of the well known larger companies also now offer car insurance policies for women however; you might well be better off sticking with those that make it their business to insure women. If you have a partner or husband, don’t worry, you can get multi-car insurance policies that will allow you to add your spouse or house mate as well. This will not affect the savings that you can make with your own car insurance policy.

In Conclusion

At last, the UK car insurance market has recognised that us girls are a safer bet when it comes to car insurance and not only that, they are now thinking about the sort of needs that a woman has when it comes to insurance on her car. It doesn’t matter which way you dress it up, it’s a dangerous world out there and women need specialist protection when they are on the road; especially when they are driving alone. There are hundreds of car insurance policies tailored towards women with this in mind.

If you are a woman and you are on the market for a car insurance policy, check out the companies mentioned in this article, they have really thought about what women’s car insurance policies should include and not only that, they offer great savings because we, as women, are less likely to make a claim. Car insurance companies now know that as women, we drive more safely and take better care of our vehicles than men do.

With some women’s car insurance companies, you will even be able to gain advice on how to make sure that your car is safe to drive; one of the things that men do come out top on is having the knowledge about tyre pressure, oil levels and so on. When you choose a car insurance policy tailored towards women, you will find that on the whole, most of the companies that offer women’s car insurance policies will advise you on these little issues. After all, it’s in their interest to ensure that you don’t experience a tyre blowing out on the motorway or your engine conking out because you have run out oil.

The message here is that whether you’re a young woman that has recently passed her driving test or a woman that has been driving for some time; you can now at last, find women’s car insurance policies that will protect you properly. You can now find a car insurance policy that is just for you!


Tesco Car Insurance Review

If someone had said to me 20 years ago that a supermarket would be offering car insurance, I would have laughed in their faces! However, I would now have egg on my face because you can get Tesco car insurance. Large supermarket chains such as Tesco have really branched out over the years and because these companies are so large they can really compete with the big boys. This article will tell you all you need to know about Tesco car insurance and why it’s not such a bad idea to use them.

First of all, if you like price comparison websites you will find that if you are searching for a car insurance policy Tesco will pop up all over the place. They certainly appear to come top on most of these sites, however, my advice is to go to their official website and check out exactly what you can get with a car insurance policy first. There are some stipulations that Tesco have in place with their car insurance policies and these are:

  • You must be over 18 (sorry first time drivers) and you must also have a full driving licence that is registered in the UK.
  • You need to be a permanent resident in the UK and have a fixed address.
  • If you have a classic car, Tesco car insurance is not for you. They will only insure cars that are no more than 16 years old. For all of you “monster truck” lovers out there, beware, Tesco will not insure any car that is over 18 feet in length.

Some of these stipulations may seem a little harsh however I like their honesty. There is nothing worse than going through all of the hassle of getting a quote only to find that you can’t actually take out a car insurance policy with your chosen company. Upon researching the Tesco car insurance they have to offer, I found that there is quite a lot to choose from, in fact, if you want to, you can pretty much make up your own policy. For the purpose of this article I am going to stick to the basics, just so you know what you can expect to get without all the frills.

Value Tesco Car Insurance

  • If you wish to purchase this type of car insurance policy with Tesco then you will only be able to online.
  • Excess on accidental damage with this policy is limited to £475.
  • You will be covered for your car and other cars should you be involved in an accident.
  • Personal accident cover is available with this type of Tesco car insurance policy.
  • You will be covered for fire and theft.
  • A 24 hour helpline is available to you and this is based in the UK.
  • When it comes to excess you can choose a level that suits you.
  • Discounts are available on repairs and servicing but only if you use Halfords Service Centres.
  • If you wish to take a trip around Europe and want to take your car, with this type of Tesco car insurance you will be covered for up to 90 days; why not take that trip through the Alps that you have been promising yourself? You will be safe in the knowledge that your car insurance policy will cover you.
  • For all of you parents out there that have children that require a child seat, don’t worry, Tesco will replace if for you should it be damaged. I happen to think this is a great option as not many other car insurance companies offer this sort of cover.
  • Legal Protection is also available with this type of Tesco car insurance policy.
  • For cars only, if you need to have repairs done then Tesco will provide you with a small courtesy car (note the word “small” here).
  • When you use one of Tesco’s preferred repairers they will guarantee the work that has been done for 3 years.

Standard Tesco Car Insurance Policy

This type of policy actually brings more benefits with it than the value insurance policy. With this type of car insurance policy you will receive all of the benefits listed above and…..

  • Cover for your personal possessions should they be damaged or stolen.
  • Should your windscreen decide to shatter into a million pieces or even if it has a chip and needs replacing Tesco will cover you for this.
  • Oh, and I almost forgot, if you wish to purchase this type of Tesco car insurance policy then you can do so online or over the telephone.

These are the 2 car insurance policies I was immediately faced with when I went to Tesco’s official website, after some more digging around I found out the following:

Tesco Car Insurance and Breakdown Cover

Tesco have brought in the RAC when it comes to their breakdown cover. If you don’t know who the RAC are then I doubt that you even know what a car is! This company has the largest network of breakdown recovery vehicles in the UK and fixes 4 out of 5 vehicles at the roadside. This of course will not be the case if your front end has been bashed in, in which case, you will need to be towed. Some of the benefits you will receive when you add this option to your Tesco car insurance policy are as follows:

  • If you are in a vulnerable situation, for instance a woman travelling alone and you breakdown you will be given priority response.
  • Tesco will aim to make sure that an RAC mechanic will be with you within 40 minutes, no matter whether you are in a built up area or in the countryside.
  • You will not have to pay any labour costs or the cost of any parts and one of the best things about this cover is that you will not have to pay for a new battery if that turns out to be the problem. This is one of the most common causes for a breakdown and not many car insurance companies offer this as free service if you have breakdown cover with them.
  • Once you have reached more than a ¼ of a mile from your home then you will be able to call for roadside assistance.
  • If you have any other Tesco car insurance policy except their value cover you can get assistance within a ¼ of a mile from your home.
  • For the “finest” and “Euro Plus” breakdown cover policies, if your car cannot be repaired at the roadside then they will ensure that you and up to 8 passengers are either taken home or to another address.
  • Something called onward travel is also available with the finest and Euro Plus policies. This means that you will be able to hire a car at no cost, or Tesco will pay for any travel expenses. They will also pay for any hotel accommodation if that is what you need.
  • European cover is only available with the Euro Plus policy and this means that should you breakdown whilst you are on your way to Europe or are actually in Europe, Tesco will make sure that you have roadside assistance. If that doesn’t work then they will take your car to the nearest garage for repair. If you need it, hotel accommodation will be provided for you or Tesco will provide you with some other form of transport.
  • Legal expenses are also covered with the Euro Plus breakdown policy, however, do be aware that there are certain rules that apply with this (and I’m not going to go into all of them here) so, make sure that you ask about this information when you are talking to Tesco about this part of your car insurance policy.

Considering that Tesco is in all intense and purposes a supermarket, I think that their car insurance policies are great. They have really done their research and are competing well with other major companies that specialise in car insurance. The one thing that might be catching your eye as you read this is your Tesco club card. I bet you thought that I had forgotten about that one; well I haven’t.

If you are a Tesco club card member, you can put this little piece of plastic to work for you when you decide to take out a Tesco car insurance policy. If you apply online, all you need to do is enter your card number and you will be given an additional discount. Also, when it comes to paying for your car insurance you can use your Tesco club card vouchers in order to do this. I think this is a very clever idea; not only do Tesco get your car insurance business they are also managing to keep you shopping at their supermarket. After all, every little helps doesn’t it?

Pet Insurance Review

If you have pets then this article is going to be especially useful to you. I happen to have 2 cats that have been a part of my life since they were 4 weeks old and they are now 17 going on 18 years old. Anyone who has pets that are lucky enough for them to reach their twilight years will know how expensive it can be to keep them fit and healthy. I only wish that I had taken out pet insurance at an earlier stage. Let me give you an example of my monthly outgoings based on what my 2 wonderful girls need in order for them to still be happy in life.

They both now have kidney problems, this is very common in both cats and dogs, it costs me just over £20 every 28 days to buy the kidney pills that they require so that they are not constantly vomiting everywhere (more on that in a minute). They also need a special diet of food that helps keep their kidneys functioning, this costs £15 per 1.5 Kilo a bag and as there are 2 of them I can get through 2 bags each month. On top of this I spend £7.50 for a tube of something called “engergel”, this ensures that their livers are in tip top condition (both have had problems in this area). If you add to this the cost of the amount of kitchen roll and anti-bacterial cleanser I can get through in a month due to the vomiting (especially in the summer months), it all starts to add up.

This is where pet insurance comes in, if you add up what I have already spoken about, we are talking almost £60 per month just on food and prescription items that both of my cats need so that they have quality of life. This doesn’t include the odd visit to the vet for a blood test to make sure that they are healthy or the odd overnights stay when they get really ill. This can cost in excess of £80 each time! I dare not even tell you how much this adds up to over a 12 month period.

Now you have some background information on how much pets can cost you as they get older. If you have pets, don’t do what I did (incidentally pet insurance wasn’t really around when I first got my cats), if it was then it was really expensive to get. Start early and get yourself some pet insurance. Many companies that deal in all types of insurance have now realised that they can also help when it comes to your pets. I know at the beginning of this article I explained the cost implications when it comes to your pets being older, however, they cost you money all through their lives. When they are young, they need to be vaccinated and neutered (if you are a responsible parent of course)!

One company that appears to have been a pioneer in the area of pet insurance is More Than, anyone who has not seen the ad with the Morgan Freeman voice over must not have a television, their pet insurance policies, in my opinion are 2nd to none. Here are some of the benefits you will receive with a pet insurance policy with More Than:

  • They will beat any quote that you receive when it comes to the time when you need to renew your pet insurance policy.
  • You can have a policy that will cost you as little as £7.00 per month.
  • The pet insurance that you receive covers all vet bills up to £7,000.
  • It will not matter how old you dog or cat is, you can start to insure them from the minute they are 8 weeks old until (God forbid) they die.
  • You will receive a 24 hour 7 day a week vet hotline service, so if you are worried there will be someone on the end of the phone to help, not matter what time of day it is.
  • You can also receive up to £600 towards advertising costs should your pet go missing, this can be a harrowing time for anyone that has a pet and knowing that you have this to fall back on with your pet insurance policy is a real bonus.
  • If you want to take your pet abroad, be aware that not many companies offer insurance for this, More Than do. Funnily enough they cover both cats and dogs for this. Your pet will be insured just like a human being so if he or she should need medical treatment whilst you are on holiday, you will not be hit with a massive bill.

The reason that I have mentioned the benefits that you will receive with a More Than pet insurance policy is that cheapest is not always best. We in the UK are well known for our love of animals and we tend to go that extra mile when taking care of our pets. Make sure that when you are looking for a pet insurance policy that you check exactly what you will receive for the money you are spending. The last thing you need is to book your pet in for an expensive operation only to find that your pet insurance policy will not cover you for it.

One of the pitfalls that you can come up against is that should your pet be diagnosed with an ongoing health issue such as cancer or kidney and liver problems, many pet insurance policies will only cover the treatment they require for the first 12 months. This can be a huge problem to you; many dogs and cats can live for a long time with an ongoing health issue with the right treatment. If your pet does have an ongoing health issue and it is diagnosed early on in life you will more than likely need to be covered for a number of years….make sure that you check this out before signing on the dotted line!

I have only mentioned More Than as a pet insurance option in this article; however, there are many large insurance companies out there that offer great pet insurance policies. I have used More Than purely as an example so that you can get an idea of what sort of cover is available for your pet. Do bear in mind however that this company will only cover cats or dogs.

If you happen to have an exotic pet such as a reptile, spider or any other animal that falls into this bracket, do not despair, there are pet insurance policies out there for you too. Many companies will take on an exotic pet and the type of cover you will receive is much the same as that for a cat or dog. Except for the fact that should you wish to take you exotic pet on holiday with you, I doubt you would find any company that would cover this…..be sensible, ask a friend to look after he or she for you instead!

Whatever type of pet you may have you’ll find a pet insurance policy to suit you. If you are someone who truly loves animals and likes to help out with donations to charity from time to time, why not check out the pet insurance policies that the RSPCA have to offer. When you take out a pet insurance policy with them, part of your premium will go towards helping the charity, a bit like killing 2 birds with 1 stone (sorry for the pun, no offense intended). Some of the benefits you will get with a pet insurance policy from the RSPCA other than helping the charity of course are as follows:

  • All of your vet fees will be covered.
  • Help with finding pets that are lost or stolen.
  • Help with accommodation costs should you, as the owner become ill and are not able to take care of your pet.

In Conclusion

Did you know that in the UK pet insurance is now more important to us than our own health insurance; research which has recently been undertaken has shown that up to 45% of pet owners will take out a pet insurance policy instead of a policy that will protect themselves from any health issues? We, in the UK are so besotted with our animals that we will give up on luxuries such as holidays, gym memberships and even alcohol and cigarettes in order to make those monthly payments on our pet insurance policies. I happen to the think that the latter of these will actually help to ensure that we as humans won’t actually need a health insurance policy for ourselves.

As mentioned at the beginning of this article, I didn’t take out pet insurance until my 2 girls where much older. Don’t make the same mistake as me; take a look at pet insurance today.

GreenFlag Breakdown Cover Review

Breaking down in your car is possibly one of the most annoying and frustrating things that can happen, and it NEVER happens when it’s convenient! When you use your car, you want to get from A to B without an issue, so when little “Sarah” decides she no longer wants to play the game you really need to get the problem fixed, and quickly.

Lots of people decide not to take out breakdown cover for their cars because they think “it will never happen to me”, or “I have a new car, it’s not likely to breakdown”. Not so! Cars stop working for all sorts of reasons, and it doesn’t have to be a mechanical fault. It could be yours! Did you remember to top up the oil? Have you made sure there is enough water for the radiator? Worst of all, did you leave home with enough petrol?

So, you see this is why you need cover of some sort, and Green Flag is fast becoming one of the UK’s favourite insurance companies to use. They may not be the largest insurer out there, but they’re certainly giving the big boys a run for their money.

So, what can you expect from GreenFlag breakdown cover? Well, for a start you can take out a breakdown insurance policy for as little as £27.00 per month and you get a great deal for your money. Take a peek below:

  • Roadside Assistance – You’re not limited to what time of day you call them or which day. This service is available 24/7 and if you happen to breakdown on Christmas Day, Green Flag will aim to have a technician with you within 45 minutes.
  • Vehicle Recovery – If you’re vehicle can’t be fixed at the roadside (and this only happens in about 1 out of 10 cases), you’ll be towed to a preferred repairer or other destination of your choice within 10 miles of where you car decided to give up the ghost!
  • Callout Charges – Just kidding! There are none with this level of cover.
  • Message Service – Green Flag will send a free message to your family and friends so they don’t start to worry about where you’ve got to.

So, that’s the basic Rescue breakdown insurance cover, but there is more!

Rescue Plus

Everything included in the above policy and cover at home. If you come out one morning all ready to go to work, and your car won’t start Green Flag will send a specialist to help you out.

The Recovery Policy

This doesn’t include the extra you get with Rescue Plus, but it does include everything with the basic Rescue cover plus, if you’re car can’t be fixed a kind technician will take you and your car home, or to another destination of your choice.

Recovery Plus

This is the most popular choice among Green Flag customers, and it will only cost you £60.00 per month. Of course, everything I’ve already mentioned is included. Yes, everything! Along with the following:

  • Your Choice if your car cannot be fixed – If you’re car cannot be repaired the same day, you can either choose to have a hire car, or Green Flag will kindly pay for some overnight accommodation for you. There are limits if you choose the latter, so don’t expect a night in the Ritz!
  • Cash! Yes, Green Flag will give you money, but only so you can go and collect your car. Usually this will be a one way rail fare. Again, don’t expect to be able to sit in 1st class!

Euro Plus

Green Flag realise that many people travel in Europe a lot these days, and if you’re one of them you can take out the Euro Plus Policy. This means you will have complete breakdown insurance which includes everything you’ve read so far for 90 days while you’re in Europe. Beware though; your car does need to be less than 16 years old (for obvious reasons).

A Little Bit Extra

If you choose to go with one of the last two policies I’ve mentioned, you will get what Green Flag calls the “taste card”. This comes free for one year, and will give you the option to get great discounts at thousands of restaurants across the country. So, you can not only enjoy worry free travelling, you can also eat your way up and down the motorway!

Why Green Flag?

As I mentioned, they’re not the biggest insurer but after reading the extensive policies they have to offer on breakdown insurance, it’s easy to understand why they’re becoming tough competition. They have been awarded 5 stars (the highest) from Defaqto, and over 80% of current customers have told them they would give the roadside technicians 9 out of 10 for service.

You don’t have to take my word for it, visit the website today and see what others have had to say.



Benefits Alliance Travel Insurance Review

If you’ve never heard of Benefits Alliance travel insurance, the first thing you should know is this company is the trading name of General Insurance UK (maybe the penny has dropped now)! Apart from knowing who they are you’re more than likely interested in finding out how they can help with travel insurance. After all, why would you be reading this blog otherwise?

The fact is that when you delve deeper into what this company is willing to cover, it’s probably one of the most comprehensive on the market and I’ll bet it will have you thinking it’s too good to be true once you’ve finished reading this. Of course, you could just skip to the sub-headings that are relevant to you, but you might just miss something you hadn’t thought about.

When you visit the Benefits Alliance website, and I hope you do even if it’s just to double check the information I’ve given you, you will find the set-up is so simple even a child could understand it. You don’t have to click on various links just to find out what type of travel “mishaps” are covered, it’s all there right in front of you. The only clicking you might have to do is when you want detailed information on a travel insurance policy that interests you. Even then, it’s as simple as downloading a PDF file so it’s a no frills, easy to understand website.

With that out of the way, let’s get on to what you can expect from the travel insurance policies Benefits Alliance has to offer. Oh, and I’ve taken the liberty of using their numbering system (hopefully it won’t upset the MD)!

A1 – Curtailment or cancellation

What this means is kind of obvious, but I’m guessing you’re more interested in how much you’re covered for. In fact, you will be surprised to know this company will cover you for up to £5,000!

A2 – Catastrophe

This title sounds a bit over the top, but all manner of things can go wrong when you’re travelling and I’ve yet to come across a company that will cover you for the “catastrophes” below:

  • Overall you can be covered for a number of things up to £750.
  • If you’re unlucky enough to be involved in a hijack of some sort (and in today’s world this is a possibility), Benefits Alliance will cover you.
  • Being mugged when you’re on holiday can be a horrendous experience, and money won’t always make things right, but it sure helps!
  • This one surprised me the most. Benefits Alliance will cover you if you’re a victim of air rage! This is something I had NEVER thought about, but when you consider how stressful flying is these days, it is a possibility. Not to mention that if you travel 1st class you could come across a rock star that has just about had enough!

For all of the above (except for the first point of course), you will be covered for up to £500, and get this – there’s no excess to worry about.

B & C – This section covers emergency medical treatment, expenses and hospital benefits.

If you opt to have this included in your travel policy you can expect to be covered for up to £3,500 if you need to cover accommodation or travel expenses as a result of illness, and (God Forbid) should someone lose their life the basic cover offers £1,000. However, I suggest you read the detailed information on their website because you can be covered for as much as £10,000.

D & E

This section deals with everything from travel delay to holiday abandonment and even takes your pets into consideration. Depending on what policy you choose, you could be covered for anything from £200 to £5,000.

F – Personal Accident

Whilst I try to put a humorous spin on many of the blogs I write, this is a pretty serious subject. You never know what life has waiting for you and Benefits Alliance has thought about this. This type of policy will cover you if you lose any limbs, are permanently disabled, or in the worst case scenario someone dies, cover is available up to £25,000.

The List Goes On….

I’m limited to the number of words I can use here, but when you visit this travel insurance company’s website, you’ll find their list of benefits goes well into the L’s. You can expect to be covered for your golf or skiing equipment. Loss of baggage, travel documents or other personal items, they’ll even help you out if you’re delayed because of an avalanche!

Plus, (and I MUST mention this one), if you’re intending to go on a golfing holiday, not only can you protect the equipment you have, if you get a hole in one Benefits Alliance will give you £100 for the bar bill! Now, you can’t say fairer than that can you!


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John Lewis Wedding Insurance Review

So, you’ve found your soul mate and the two of you have decided on a date for the wedding. Exciting isn’t it? Well, it should be but there are a great deal of people who believe this (the most important day of your life), is one the most stressful projects you can undertake.

There is so much to plan. The venue, the cake, flowers, choosing the guests (probably the one part of your wedding that can cause a few arguments) and, of course the dress! Are you exhausted by the list yet? It doesn’t stop there! There are all sorts of other things to consider and anyone who has planned a wedding will tell you the list just grows.

However, all is not doom and gloom. You should welcome this celebration in your life the way it’s meant to be. After all, you’re going to tie the knot with the one person you will spend the rest of your life with. There are many insurance companies on the market these days. In fact, it can be a true minefield no matter what type of insurance you’re looking for but, I’ve decided to talk about John Lewis wedding insurance because I think it’s a great idea that you can get insurance from the same place you can your gift list.

Some of you may be thinking (father of the bride especially), that insurance is just an added expense you can do without. But, what happens if the best man loses your wedding rings, the dress is involved in an unfortunate dry-cleaning accident, or worse a supplier you’ve chosen goes out of business?

When you think about it, the cost for insurance far outweighs both the stress and the added cost for a new dress or pair of wedding rings.

So, what can you expect from John Lewis wedding insurance (apart from a plethora of choices on gifts)?

Loss or Damage Due to Suppliers

John Lewis will cover everything from your wedding dress to the cake. They will even cover things you haven’t thought about like your stationary or photographs. However as with all insurance companies, they do have their clauses.

You will only be covered for services that haven’t been completed. For instance, if your photographer doesn’t turn up on the day don’t expect to be reimbursed for “undue stress”. You will only receive compensation for any money you’ve already paid or the cost for re-arranging someone-else to do it for you.

You can even take out cover if you happen to decide to use a friend or relative to take your photos and they have one too many whiskeys before the ceremony. But, just as with any professional supplier, you should make sure you have an agreement with them. This will help if you need to make a claim.

Wedding Rings

I don’t know a groom who hasn’t worried about his best man losing the rings. All sorts of things can go wrong. John Lewis will cover your rings from the minute you purchase them up to 24 hours before you get married.

Top Tip: If you’re worried about the rings being looked after properly, look after them yourself, even if it means handing them over to the best man when you’re standing at the aisle as you watch your bride walk towards you.

Wedding Gifts

OK, so everyone wants a table to display the gifts that have been lovingly chosen for them, but many weddings involve the consumption of alcohol and that means a few people who are wobbly on their feet. The last thing you need is for someone to go crashing into the gift table sending everything flying! John Lewis will cover you for damage or theft, but you need to make sure they’re being looked after by someone who is part of the wedding party or your family.


God forbid you’ll have to cancel your wedding but this does happen. For that reason John Lewis offers various levels of cover that will protect you if the wedding isn’t going to take place or, you have to rearrange for some unforeseen reason.

Overseas Weddings

Many people decide to escape to a sunny paradise to get married these days, and you haven’t been forgotten. John Lewis offers cover for overseas weddings but as an addition to their normal cover so speak to them about what you need. You can also speak to them about insurance for your honeymoon as well.

Marquee Cover

This could possibly be every newly married couple’s nightmare. Imagine? Dad has just downed a bottle of champagne and takes to the dance floor only to fall head first into a supporting pole. Suddenly, everything has gone dark and you’re covered in heavy plastic! John Lewis will cover this for you, but rules do apply so check these first.

All in all, add some peace of mind and think about taking out John Lewis wedding insurance.


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Home Insurance Review

Home insurance is possibly one of the most important insurance policies you will take out. As they say “a man’s home is his castle”. If you are not insured when it comes to your home, this can potentially be a complete disaster for you and in some extreme cases can even bankrupt you! You don’t need to end up in a situation like this, just make sure that you get a decent home insurance policy that will protect you, your family, your belongings and your house from anything that might go wrong.

How to Start Looking for a Home Insurance Policy

One way in which you can start looking for a home insurance policy is when you either take out a mortgage or buy a property outright; take the advice of the mortgage lender or the estate agent you have made your purchase with. These companies often have systems in place that mean that they receive a commission for inviting you to take a home insurance policy with certain companies. Of course, with mortgage lenders, it is in their interest to make sure that you have the correct home insurance policy in place, remember, they have a vested interest in your home too.

The other way you can set about looking for a home insurance policy is to turn to the internet, there are many price comparison websites you can use to get the best price possible for your home insurance policy, you will also find that on some of these websites you can enter any special requirements you might have when it comes to insuring your home. Do however, make sure that you don’t stop there with your research, there are a lot of companies that do not use price comparison websites and you might be able to better the price you have already found.

Some of the Best Companies that Offer Home Insurance

Direct Line – This Company will not be found on price comparison websites and they are proud of that fact. They have a wide range of home insurance policies that will suit just about everyone. As standard, Direct Line offers the following with their home insurance policies:

  • Contents cover up to £50,000.
  • Personal possessions insurance up to £50,000.

Direct line offer 2 types of home insurance plans, home insurance and home insurance plus. Between them Direct Line offers the following:

  • Buildings cover.
  • Alternative accommodation.
  • Accidental Damage.
  • Family Legal Protection.
  • Home Emergency cover.
  • Cycle Cover.
  • Online and identity fraud (this is really useful to have these days, we all use the internet for shopping or online banking to a certain degree and theft of your identity is big business).

All in all, the home insurance you will get with this company will cover just about anything you need.

More Than – This company has some really comprehensive home insurance policies available and at great rates. They promise to beat any quote that you may have when it is time for you to renew your home insurance policy, however, do not compromise on service. One of the first things you are faced with when looking at their website is the fact that they will offer you a saving of around £130 on your contents insurance. There are many benefits that come with More Than and their home insurance policies, here are some of them:

  • They pay for replacement keys and locks on your home if they are lost or stolen.
  • Garden cover (I think this a great idea), this is available as standard and will cover your plants and trees to the value of £2,000. You will also benefit from cover on your garden furniture, kids toys and your barbeque.
  • Have you ever tried calling up an insurance company either to make a claim or find our more about the service they offer? If the answer is yes then, like me, you are more than likely fed up with not getting the same person twice. More Than will allocate a dedicated manager to your account, another great idea. At last, a company that recognises the fact us, the public and their customers need some continuity when dealing with them.

You should also know that his company has been awarded the best online contents and home insurance award for the last 2 years on the trot. Another plus when you are looking for a home insurance company you can trust.

You may not know but many banks have now started to offer home insurance in the UK, so whoever you bank with, it might be worth asking the question.

Above are just a couple of examples that I thought you should know about when it comes to home insurance, in my opinion the 2 that I have mentioned are the best on the market at the moment.

What Do I Do if I have a Specialist Item in my Home that needs to be insured?

That’s an easy one, tonnes of home insurance companies recognise that you may have belongings that are very dear to you but are not the run of the mill objects. Maybe you have a Grand Piano that has been passed down through the generations or you might have a grandfather clock that dates back to the 1700’s. All you have to do is make sure that the home insurance policy that you take out will cover these items. In some cases (depending on the value of the item in question) you may be asked to take out a separate policy for this item on it’s own as it will be treated differently to anything else you have covered on your standard home insurance policy.

What do I do if I live in a Flood Alert Area?

This is a question that sits on many peoples lips these days. In recent years the UK has suffered some of the worst flooding in decades. Initially, home insurance companies reacted with panic as they suddenly had hundreds more people claiming for water damage in their homes. Things, thankfully, have now settled down a little bit and the powers that be within home insurance companies have had time to re-evaluate how they treat this sort of problem. In the beginning it was very difficult to get home insurance (if you could even get insured at all) however, there are now policies available that will protect your home and it’s belongings from water damage. Make sure that whoever you decide to take your home insurance policy out with does in fact cover water damage or flooding.

A Couple of Pitfalls to Look Out For

One potential pitfall you can come across when taking out a new home insurance policy are clauses that are included in the contract that may not be clear to you. For instance, there have been many times when people have put in a claim because that 100 year old oak tree came crashing through the roof of their house due to an unexpected storm. When making the claim, they are told that “sorry, we cannot pay out as this was an act of God”. Not very fair is it, how are you supposed to know what is considered to be a “hand of God” and what isn’t. After all, that’s what Maradona refers to his hand as and I bet he hasn’t had any trouble getting insurance!

Make sure that you check with your chosen home insurance company what they consider to be this type of incident and what they will not cover. It’s just as important to know what the insurance company will NOT pay for as it is to know what they will pay for.

In Conclusion

Finding home insurance does not have to be a major headache, as mentioned there a loads of home insurance companies to choose from but as I have already said, price comparison websites can help take some of the hassle out of finding the right company. Also, try talking to your friends or even ask at work which company the business you work for has their insurance with. The chances are that whoever they use will offer home insurance as well.

Above all, make sure you have ALL of the cover you need when it comes to home insurance, it’s relatively cheap to obtain a decent policy these days. Home insurance is a very competitive market place and that can only be good for us consumers. In my opinion, take more cover than you are ever likely to need, that way you are covered for just about any eventuality.

If you have read this far and still think that home insurance is bottom of the list when ensuring that you are protected from any accidents that may occur in the home, think again. Even something as small as a leaking pipe can cause and inordinate amount of damage in the home and the last thing you need is to have to pay for your own repairs.

Car Insurance Benefits Coverage Plans and Discounts Review

Auto accidents can easily deprive you of your money as the costs of paying for another person’s vehicle, his medical bills, and your own can run into thousands of cash. Having car insurance provides you with financial coverage against unforeseen risks such as freak accidents, natural disasters, riots, and theft. In many countries, it is compulsory to have auto insurance before keeping or using a vehicle on public roads.

There are numerous benefits of having car insurance. First and foremost, it gives you financial security as you don’t need to pay up for the costs that might arise due to a road accident or theft. An insurance plan for your automobile gives you peace of mind because you don’t need to look for funds to cover up for the expenses in case a traffic disaster happens. Another benefit of getting a vehicle indemnity plan is that if you bump someone else’s auto and the fault is yours, then an auto insurance policy will become your saviour.

There are different types of coverage plans that insurance companies have to offer. Some of these plans may be required by your state, whereas some are optional. Auto insurance usually covers some or all of the items like medical payments to the insured party, cost for physical damage to the insured vehicle, and costs for vehicle damage and medical bills for the third party. A vehicle can also be insured against fire damage, accident damage, or theft independently. A variety of factors such as the model of your car, value of the car, your driving record, number of miles your car driven, and the amount of money you are willing to pay will determine the type of coverage plan you are eligible for.

Direct Line is an U.K insurance company that provides extensive auto coverage at superb rates. It offers you with a wide variety of cover options that give you confidence to drive peacefully. For example, “Comprehensive” is a Direct Line’s coverage plan that pays for loss or damage to your vehicle due to fire, theft or an accident. This plan also covers for claims made by other people for damage to their property or bodily injury. “Third Party Fire and Theft” is a plan that covers you if other people claim against you for damage or injury to their property or car, and if your car is damaged by fire or is stolen. Direct Line offers another plan known as “Third Party Only” that covers liability such as claims made by third parties, against you, for damage to their property or bodily injury.

Having car insurance through Direct Line will help you obtain discounts and other forms of rewards. This will help bring down further the cost of your insurance. Various discounts offered by Direct Line include Only Driver Discount, Named Driver No Claims Discount, Multi-car Discount, Breakdown Discount, Breakdown Multi-car Discount, Multi-product Discounts, Company Car No Claims Discount, and Pass Plus Discount.

Direct Line also offers additional extras such as Guaranteed Hire Car (you will be supplied with a hire car for up to 14 days if your car is unusable), Guaranteed Hire Car Plus (Direct Line will supply a hire car for up to 21 days), and legal protection which means that if you have an accident that’s not your fault, then the company will provide you up to £100,000 of legal costs to recover losses which can’t be recovered from any insurance policy. Remember that you can avail these car insurance optional extras for a small extra premium. Last but not the least; Direct Line makes use of “Anti-Fraud Technology” to detect false and exaggerated claims. This, in turn, helps keep prices low and settles genuine claims as quickly as possible.

Churchill Pet Insurance Review

We love our pets don’t we? The English are well known for this and for good reason. Pets can bring an inordinate amount of joy into our lives, and it doesn’t matter if you have cats or dogs, they all have their own little personalities that help endear them to us. What I’m here to talk about today is Churchill Pet Insurance.

Now, you may be thinking that I’m discounting those of you that prefer the company of the more exotic breeds such as reptiles, or spiders by mentioning the two most common types of pets we English love to have, but I’m not. It’s the insurance companies that are. At the moment, insurance is virtually impossible for exotic breeds, and if you own one, you’ll understand why.

However, I digress, on to the important stuff. Let me start by saying I have 2 cats both of whom are now 18 going on 19 years old. Unfortunately, I don’t have the benefit of pet insurance, and it would be hard (if not impossible) for me to get it, for obvious reasons. Back when I first got my cats, insurance was fairly non-existent or at least, it wasn’t as heavily advertised then as it is now.

I’m going to draw on my experience with my two babies to help you make a decision on if you think taking out insurance is worth it. Here is what it costs me to keep my girls “going”:

  • Once a week I pay £8 for a pack of kidney tablets and this has been an expense I’ve had for the past 2 or 3 years.
  • Once a month I pay £16 for prescription food for one cat and the same for the other (one has thyroid and kidney problems, the other just kidney).
  • Once every 3-6 months I pay in the region of £30-£50 for a blood test just to check their liver, kidney and thyroid function.

Add to this the amount of kitchen paper and anti-bacterial spray I go through because of all the vomit they projectile across the floor and you begin to understand how much it costs to keep one elderly animal, let alone two! By the way, apologies for that last piece of information, it’s not the nicest subject, but it had to be said.

OK, so now you know how much it can cost when your pets get old. What about when they’re young? Just like kids, puppies and kittens will get into scrapes that require veterinary care and this can be costly. Add to that the fact that they’re open to all sorts of diseases that can’t be ascertained before you get them and you begin to see that having a pet isn’t just a moral responsibility it’s financial as well.

So, on to what Churchill Pet Insurance can do for you. Below you’ll find some of the benefits you’ll get with your policy:


  • If you book online, it will save you 20% (We LOVE the internet)!
  • Two levels of insurance – standard and emergency.
  • Vet fees are covered but with limits (a bit more on that in a minute).
  • If you’re pet is lost or stolen, Churchill will kindly give you £1000 towards a reward.
  • If your pet dies, it’s not nice, but this can happen, Churchill will pay you up to £500 of the original purchase price.

So, let’s elaborate a little:

Vet Fees Covered

If your pet is suddenly taken ill and needs emergency treatment, the policies with Churchill will cover you for up to £500. If your pet (God forbid) is involved in an accident that requires emergency treatment, you’ll be covered for up to £1,500.

The above is only if you take out their emergency cover (of course)!

General insurance will cover you for up to £3,000 for each condition, it’s important I mention this because your pet can get multiple health problems. However, this will only be for 12 months from the date treatment first started.

Other Conditions to Bear in Mind

Your pet must be at least 8 weeks old and no older than 10 years 11 months when you take out a policy. Check about certain dog breeds because some of them have a restriction of 6 years. As long as your pet is this age, cover will not stop just because they’ve just turned 11 or 7 years old.

Don’t think that just because your dog has been left at home all day, and you return to find he’s turned your sofa into a woolly mess, you can claim on your pet insurance. That’s what home contents insurance is for!

In Conclusion

If you love your pets (and I’m not tugging are your heart strings here), Churchill offers some of the most comprehensive insurance on the market and it will cost you less in the long-run.







Esure Car Insurance Review

As the name of the company Esure suggests; this is an online car insurance company. Before starting this article I didn’t really know much about them other than the fact that they appear on the TV ads from time to time. I’m glad that I have done some research for 2 reasons:

  1. How an earth could I write this article without it!
  2. I have discovered that Esure car insurance is actually a pretty good company to go for if you are in the market for a new or renewable car insurance policy.

When you load their webpage it is set out in a really simple and clean way and it’s easy to find the information that you want before actually asking them for a quote, which incidentally can be done online and within minutes. I’m a bit of an anorak when it comes to making sure that I know everything about a company before I choose to use them; especially if they operate online. When I clicked into the frequently asked questions on Esure’s website I was faced with up to 23 different questions that all have comprehensive answers to them. Here are a chosen few to show you just how good this section of the Esure car insurance website is:

  1. Is it possible for Esure to insure me? This is a question (in my opinion) that everyone should find out the answer to before going down the route of obtaining a quote. This is most important if you happen to be in your late teens or are in your twilight years. The answer from Esure is simple; you can get a car insurance policy with them if you are aged 21 to 80. However, if you fall outside of this age bracket they will refer you to a company that can help. I thought this was very generous of them as most other car insurance companies just say “no” and leave it at that.
  2. What if you don’t have a registration number? This actually happened to me recently which is why I am glad I have been asked to write this article. I’ve been having some real bother trying to find a car insurance company that will give me a quote without a registration number. You may well be thinking “why an earth are you looking for a car insurance policy without a registration number”? Well, the answer to that one is that I am thinking about changing my current vehicle and the cost of the insurance for the new one will determine which model I go for; I’m sure there are many of you that will make the decision on a new car in the same way. Esure car insurance recognises that this can happen and will happily give you a quote without a registration number.
  3. How do you pay for your car insurance policy? Well, with Esure car insurance, the sky is the limit really. You can choose to pay by credit card, direct debit and you can even pay online using their own protected payment server (sorry, that last one got a bit technical) but I’m sure you get the idea. When it comes to how much you pay, again, this is up to you. You can pay the whole lot in one go so you don’t have to worry about it again until it’s time to renew your car insurance policy or you can pay in instalments which are spread across 12 months.
  4. Do you need to prove your no claims discount? Of course you do! I found this question slightly obscure as I can’t understand why anyone would feel the need to ask but there you go Esure obviously felt the need to add this one to their list.
  5. What about no claims discount for life? Now, this one I can understand people asking. There are certain conditions that apply and this will cost you a little but extra however, as far as I am concerned this is definitely worth considering. Esure car insurance will protect your no claims discount for life (unlike many other car insurance companies) and it doesn’t matter how many claims you make. Do bear in mind that this snippet of information has been condensed into a few sentences and that you should make sure you understand the requirements to benefit from this under your car insurance policy. After all, I haven’t been asked to write a legal document about how Esure car insurance works!

So, those are just a select few of what you can expect to find on the FAQ section of the Esure car insurance website. What I am going to deal with next is just what you get with an Esure car insurance policy. Here goes, by the way, the benefits listed below come as standard with an Esure car insurance policy.

  1. If you are new customer to Esure, they will give you a discount when you take out a car insurance policy with them.
  2. If your car is involved in a smash and needs to be repaired, Esure will give you a courtesy car to use whilst yours is in the garage. However, make sure that you use one of the garages that Esure recommends.
  3. Windscreens can be a right pain in the proverbial, they are exposed to stones flying up from the road and they chip and not only that once you have a chip you are at risk of your windscreen shattering. If you need to replace your windscreen Esure will do this for you under your car insurance policy and there will be no excess to pay. Again, you will have to use one of their preferred windscreen replacement companies.
  4. No claims discount for life aside, under an Esure standard car insurance policy, you will have the option to build up as much as 75%
  5. Esure car insurance proudly announces that their call centres are based in the UK, so no more problems with a language barrier!

Those are the benefits you can expect to achieve as standard when you take out and Esure car insurance policy. It doesn’t stop there, there is more! Here is a list of some of the optional extras that you can take out with them:

  1. Assistance when you breakdown – Esure advertises the fact that they use Green Flag for this part of their car insurance policy. This is a trusted name throughout the UK and they have been saving people from breakdowns for over 40 years now. When you add this to your car insurance policy you can expect to get the following:
  • On average the response time will be about 40 minutes, for those of you that are more vulnerable, Esure will do their best to make sure that you are a priority.
  • If a mechanic doesn’t make an appearance within 1 hour, you will get £10 back by way of an apology.
  • It will not matter what time of day or what time of year it is, you will be able to call for breakdown assistance; Green Flag operates 24 hours a day 365 days a year.

There are many other options that come with this part of Esure’s car insurance policy, however, I have just noticed that I am running out of the number of words I’m allowed to use here and need to tell you a bit more about what else you can benefit from when you have an Esure car insurance policy.

  1. Legal Protection – This is an important part of any car insurance policy if you ask me. You may not know but it is possible for you to have an accident that is not your fault and still find that you have to reach for your wallet. If you add this to your car insurance policy Esure will protect you from this situation to the tune of £50,000! This includes covering any excess, solicitor’s fees, personal expenses (within reason of course), uninsured losses, loss of earnings and any expenses that may arise should you need to go to a tribunal or court.
  2. Personal Injury – Now this part of Esure’s car insurance policy I really like. If you, your passengers, any named driver or your partner are injured in your car Esure will cover the costs. Not only that and, this is the best bit…..you will also be covered if you happen to be injured as a passenger in someone else’s vehicle! I honestly do not know of any other car insurance company that will do this.

I could go on about Esure and their car insurance policies; however, I hope this article has given you an insight into what they can do for you when it comes to choosing a car insurance policy. Why not take a look at their official website today? I’m sure that like me, you will be impressed with both the price and the benefits you can receive.

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