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What is Motor Legal Protection on Car Insurance?

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Motor Legal Protection also known as legal expenses/ uninsured loss recovery insurance is designed to help you if a motor accident was not your fault and you have suffered an injury, need a replacement hire vehicle, or incurred other losses which are not covered under your motor insurance policy.
Motor legal protection will help pay for the legal costs to pursue your claim for you to recover costs including (but not exclusively):

- Vehicle repair – Personal injury – Hire vehicle – Loss of earnings – Policy excess – Medical bills – Legal expenses

Everybody is entitled to claim back uninsured losses, however this tends to require a lot of effort. You would personally have to negotiate figures, policy details, keep track of everything and generally spend a large amount of time on the phone. With motor legal protection, you can rely on someone else to do all of that for you. Claims are pursued by legal professionals which makes the process of getting back to the position you were prior to the accident relatively hassle-free. Essentially motor legal protection makes life easier for you as a driver, providing important peace of mind in knowing that your uninsured losses will be recovered.

A word of caution:

Worryingly, many companies offering free motor legal protection show a preference for personal injury claims and dismiss other claims. Prospective buyers should be aware of these shortfalls prior to purchasing a product and are urged to shop around for more comprehensive, better value for money packages. When shopping around for insurance policies it is all too easy to be lured into ‘No Win No Fee’ type companies which advertise free services, which superficially offer a great, low-cost alternative to what is normally quite an expensive product. However in reality, these clever companies tend to take a percentage of your compensation before the seemingly ‘full’ sum is deposited into your bank account. The benefit of purchasing motor legal protection insurance means that you do not fall victim to these companies, therefore ensuring that the pay-out you receive is not compromised in any way. The same caution should be applied to more established insurance companies. All too often high commission rates are added on to motor legal protection packages which boosts up the price. The good news is that if people are prepared to shop around and compare, there are some extremely affordable, good-quality policies available on the market which can help give peace of mind in the event of an accident that was not your fault.

Best Price FS is one of the cheapest providers of motor legal protection cover, delivering the most comprehensive uninsured loss recovery in the UK. Go to Best Price Financial Services now and find out more.

Buying Life Insurance Online: Why it pays not to delay

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2015 is hot on our heels, so it’s no surprise that many of us will feel like it was only yesterday that we were welcoming in 2014. With the close of December providing the opportune moment to reflect on the past few months, it’s easy to feel a little disheartened by all those unticked boxes on our annual to-do lists. But with work, holidays and celebrations aplenty, who can blame us? Those 365 days really can fly by.

It’s something we’re all guilty of: finishing the minor, easy-to-complete tasks whilst putting those less appealing ones on the back-burner. And whilst there are some jobs which can easily wait until the New Year, there are others that we really shouldn’t postpone any longer, and buying life insurance is no exception.

Having Life Insurance affords a high level of security to your financial dependants, and can ensure that, should anything bad happen to you, your family and friends will be taken care of. So arguably, it’s one of the most important things on your to-do list.

Perhaps your aim this year was to save up some cash to pay off more a bit more of your mortgage or loan. And good on you if you did, but have you considered how your family would cope if they were unable to pay off the basic sum, let alone a little extra?

Why now?
So we know the value of having a life insurance policy, but still, why now? You may be asking yourself this question. After all, you’re not planning on popping your clogs any time soon. But typically, the younger you are, the cheaper your premiums will be. With a lower risk of injury and illness, it’s a statistical sum favoured by the insurers, so it’s really in your best interest to buy sooner rather than later.

Cluing Up

A recent survey by Best Price FS found that, out of all respondents without life insurance, 47% were considering getting it. The most common reason for postponing its purchase was due to the need to ‘do more research’, just another unticked box on their to-do lists.

However, this needn’t be the case. With the wealth of information available about life insurance online these days, everything you need to know is just a click away, so there’s no reason to delay.

With the choice available out there now, it really is easier and more convenient than ever to get cover. Unlike the hoovering, it’s not a job which needs regular maintenance – once you’ve started paying your premiums, you can sleep safe and sound, knowing your dependants will be provided for if the worst were to happen. It’s one of the easiest jobs you’ll ever do, and likely the most worthwhile.

Four Ways a Condo Warranty Can Benefit You

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We have all had a dishwasher that puttered out or a washing machine that sat idle with clothes floating in a well of water. Fixing creaky old appliances can be costly, and it often seems there is no way of avoiding such expenses. However, many owners and renters have found a solution: purchasing a condo warranty.
Unlike insurance-which covers natural disasters, calamities, and theft-a warranty is a service contract that, among other things, covers major appliances for members of a condominium. These warranties are specifically designed to work within the existing support structure and services provided by your association, so you only pay for the protection you need. Here are four ways a condo warranty can benefit you.

Covers Major Home Appliances and Systems

While the definitions of major systems and appliances may vary from policy to policy, a condo warranty will typically cover HVAC, plumbing, electrical, hot water heaters, garbage disposals, dishwashers, stoves and ovens, washers and dryers, and garage doors. Refrigerators are often covered when they are in the property at the time of purchase. This can be even more beneficial in the event that a retailer or chain goes out of business and/or any coverage you have on the product lapses.

Enhances Market Value

Condo warranties are, in general, cost-saving tools when it comes to maintenance. However, they can also be an enhanced benefit in a competitive seller’s market because they increase a unit’s marketability. According to the National Home Warranty Association, units on the market that covered by warranties tend to sell about 50 percent faster than homes that are not.

Protects from Potential Post-Sale Legal Disputes

Warranties generally protect the condo’s seller from post-sale legal disputes. They allow for the purchaser to invest with confidence, as they are given more security than what is offered by a statute of limitations, which, in most cases, only lasts four years. On the flip side, sellers can avoid legal disputes based on faulty or dysfunctional appliances and systems because they are covered. Of course, reviewing the fine print for specifics is always highly encouraged before purchasing a property.

Provides Peace of Mind

Out of the nine most crucial appliances in the home, at least one is expected to break down at some point in its 13-year average lifespan. A new buyer is assured some peace of mind in knowing that if something goes awry with any of the condo’s major appliances or systems, they will likely be covered by the warranty.

Tips and Tricks for Dealing with Online Customer Reviews

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When a courier job goes wrong, you’ll find that the customer often has something to say about it. Although the internet can be the perfect place to scrutinise, insult, and even ruin a business, it is also a platform that portrays the best of its attributes. Here’s how to maximise the positives and avoid online embarrassment.
Don’t Ignore It

Actively responding to online negativity about your business is the best way to resolve it. The complaining customers will seldom expect a reply, so it will already act as a sign that your company is keen to help and improve the delivery experience. Going beyond what customers expect is always a positive and, in this instance, will mean that other viewers on the site will be aware that you’ve made the effort to deal with an unhappy client. This personal approach could even lead to new customers, as you will have shown that your company are quick to respond (which is often what people are expecting from the courier job itself). A Way with Words

There are certain techniques you can use when writing your response that are more likely to boost the reputation of your business. The first of these is expressing empathy. Showing the customer that you understand and care about their problem is a key element of an effective reply. It reveals a more personal side to the online interaction, which could otherwise come across staged.

Another effective technique is to offer a solution within your message. An error made while carrying out a courier job is usually not difficult address, so giving the customer multiple constructive solutions is a simple way to deal with the issue. Of course, actively following through with your proposed solution as soon as possible makes for an even more successful outcome. If the complaint is more complex, offer your company’s contact details so that the customer can speak to you directly at their own convenience.

Making sure you speak like an actual person rather than ‘on behalf of a business’ is equally important. Doing this will make you appear honest, approachable and real. Not only will this put your customer at ease, but it will also come across brilliantly to other online readers, which in turn can help to boost your reputation.

Bring It On

It’s crucial to remember that throughout all the negativity you must remain calm, polite and professional. Lashing out or being too defensive can result in further undesirable comments, and eventually a downward spiral of unpleasantness. Simply showing the customer some compassion and solving their problem as quickly as you can is usually enough to persuade them to update their review favourably.

Norman Dulwich is a correspondent for Courier Exchange, the world’s largest neutral trading hub for same day courier job capacity in the express freight exchange industry. Over 5,400 member companies are networked together through the Exchange to fill empty capacity, get new clients and form long-lasting business relationships.

Safety First: Why AEB is a Courier Game-Changer

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Courier work can be a dangerous business, and accidents on the roads are still happening frequently despite efforts to increase the safety of newly manufactured vehicles and the roads themselves. However, Volkswagen Commercial Vehicles has started installing Autonomous Emergency Braking (AEB), and it could be a game-changer.
Starting a Trend

If you are a delivery driver and have had dangerous experiences on the road, or know of a close friend or colleague who has, you will understand the effects that road accidents can have on someone’s life. With courier work, risks are somewhat increased because of long hours on the roads resulting in fatigue. Could AEB be the solution?

Currently, Volkswagen Commercial Vehicles is the only manufacturer offering AEB as standard across their van range, so for those driving one of these vans, courier work has already become safer. The range includes Volkswagen Caddys, Transporters and Crafters, and the manufacturers have said that each vehicle is designed with the braking system to make the driving experience safer for both the main driver and others around them.

Avoiding Accidents

Particularly among commercial vehicles, road accidents are extremely common. In fact, in 2017 the number of road-related deaths was the highest it had been in five years. Thatcham Research has worked out that AEB could save 1,000 lives and 120,000 casualties across the car industry over the next ten years, so it’s no wonder that Volkswagen Commercial Vehicles is encouraging other manufacturers to follow its lead.

The Department of Transport agreed that fitting AEB on all commercial vehicles could save hundreds of lives, with the potential of stopping almost 2,500 crashes every year. Thatcham Research has also shown that this may eventually lead to a real-world accident reduction of 38%; certainly not a figure to be overlooked.

Saving Money

As well as the evident positive effect that AEB has on the safety of the vehicles, this new system could also lead to fewer outgoings for delivery drivers. Courier work often goes hand in hand with some unavoidable expenses, however reducing accidents by having an AEB system in your vehicle could eventually result in less downtime for drivers, as well as fewer third-party insurance claims (these could be reduced by up to 45%).

There are a few other ways that this could work out well for your business, such as lower costs for fleets due to the drivers being ultimately safer on the roads (fewer minor accidents will mean fewer repair costs). Plus, the vehicle could benefit from an average premium saving of 10% compared to cars and vans without the new braking system.

All in all, AEB has a whole host of advantages that definitely make it worth considering. If AEB were to be installed in all commercial vehicles, courier work would be safer, cheaper and above all, lifesaving.

Norman Dulwich is a correspondent for Courier Exchange, the world’s largest neutral trading hub for same day courier work in the express freight exchange industry. Over 5,400 member companies are networked together through the Exchange to fill empty capacity, get new clients and form long-lasting business relationships.

It’s Time to Get Serious About Voice Search Optimization

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How to Create an Effective SEO Strategy for Your Business Website
Last week I talked about what voice search technology means for your business. It’s such an important topic that I decided to write a second part related to SEO this week.

From Google Assistant to Siri, people are speaking rather than typing to search online more than ever.

According to Location World, more than 40 percent of adults used spoken search on a daily basis in 2016. ComScore estimates that over 50 percent of searches will be voice-based by 2020.

It makes sense: it’s much easier to speak a question than it is to type it. And it allows you to multitask while driving, cooking or walking.

This is not a fad, or something you should ignore – if you want to get ahead and stay ahead of the competition, now’s the time to do it.

Here’s what to focus on:

It’s all about location, location, location

In last week’s blog, I covered the importance of using local keywords to attract visitors and customers. Using these local targeted keywords is a huge part of any SEO strategy for your website.

Mobile voice-related searches are three times more likely to be locally based. People are looking for what’s nearby right now, so the more specific you can get with your keywords and copy the more likely they are to find you.

Use your location with keywords as often as you can, and don’t forget to keep your Google My Business page and Yelp page updated with your current information – these results are served too, not just your web content.

Be more natural

What someone types into a search bar is going to be different from a spoken query. For example, if I want to find a hotel near the airport in Toronto, I’d type something like “hotels near airport Toronto” into the search bar.

However, if I’m speaking my search, it would be more like “what hotels are near the airport in Toronto?”

Google is looking for natural language, so you’re going to have to brainstorm the types of questions people might ask that include your target keywords.

Incorporate conversational, long-tail keyword phrases into your content as much as possible.

Some great ways to create natural content include: • About and FAQ pages • Blogs and articles • Answering questions on your Google My Business Questions and Answers section • Providing as much info as you can to Google My Business and Yelp, including hours of operation, products or services offered, parking, delivery or shipping options and so on.

Aim for featured snippets and People also ask

Both Google Home and Google Assistant read out featured snippets when answering queries, so you want to get to the top!

Featured snippets are selected search results that are found in a box on top of Google’s organic results.

Google wants to give users the best answer so it’s essential you answer questions clearly and update your website with fresh, engaging copy on a regular basis.

Research shows answers in the form of lists have done very well in featured snippets. The more conversational answers your site and online profiles contain, the better your chances of appearing in this coveted spot.

The same goes for “People also ask”. You might have seen this pop up when you type in or speak a question. Check out the example below – I asked, “where are the best boutiques in nyc?”

Below the top few results there is often a “People also ask” section. Each of those dropdown menus answers a related question using content from well-optimized websites or blogs.

Create copy for a 9th grade reading level

No matter what your business offers it’s never a good idea to write overly technical or jargon-filled copy. It doesn’t benefit the user, and it doesn’t benefit your SEO.

Research shows that content written at a 9th grade reading level – or below – appears more often as a voice result. You can use a tool such as the Flesch-Kincaid Grade Level to determine what grade your content is at and adjust accordingly.

It’s not about dumbing down your site – it’s about answering questions succinctly and clearly rather than filling your webpages with unnecessary language that will only confuse searchers and search engines.

Focus on adding these strategies to your marketing efforts to increase traffic, leads and sales as adoption of this exciting technology continues to grow. The more you focus on voice search optimization now the better results you’re going to get in the long run.

Actionable Affiliate Marketing Checklist For Online Businesses

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Online Affiliate Marketing Checklist For Digital Businesses
It’s time to up your game in the affiliate marketing business. You are making money from your affiliate links but that same traffic can be used to build your email subscriber list. What traffic do you want? The traffic that fits best with your niche and will eventually buy your products and services.

Choose the Right Affiliate Products to Promote

-Identify Pillar Affiliate Products – those that are in line with your website niche and also are returning the highest commissions

-Promote those products in unique ways – bonus products, videos, webinars, coupons, product reviews, email autoresponder series

-Freshen up your content – use Google Analytics to track content that had the highest conversion rates and get it ready to be used again

Streamline your Affiliate Marketing Process

-Plugins to track metrics and add affiliate links with ease – EasyAzon, Better Links Pro, ConvertKit

-Set up link redirects – Better Links Pro oUpgrade content for bonus offers – compile blog posts into a PDF; use a series of articles on the same topic to create an e-course or series; create an audio course or workbook, etc.

-Use bonus offers to confirm and track affiliate sales when subscribers present their affiliate sale receipts to claim bonus offers

-Sign up for one or more email services (Aweber, MailChimp, iContact) – separate your subscriber list into segments based on sub niche interests in different affiliate products

-Create content that will appeal to each email subscriber list

-Utilize lead magnets for a targeted email marketing strategy – checklists, tip sheets, eBooks, email courses, coupons, etc.

-Split test lead magnets with each subscriber list to see which bring the best conversion rates

Setting up an Email Follow up Series (autoresponder series)

-Capture subscriber email addresses when they claim bonus offers after clicking affiliate links

-Direct them to opt-in form (through a link)

Send direct download link in a Welcome email once form is submitted. Send initial email no more than 24 hours after submission

-Follow up with second email in 2 or 3 days – one series will recapture those who didn’t click on the link in the first email. A second email series will provide quality content within the same niche topic as the affiliate product and the bonus offer

-Third and fourth email are also geared towards providing quality content and engaging the subscriber (soft sell)

-Use the fifth email in the series to offer a product promotion that they can take advantage of (your products) – include a clear call to action

-Track your email messages to see which ones have the highest conversion rates (Google Analytics)

Create a strategy for keeping new subscribers up to date – recycle your most popular and profitable email content

-Incorporate email broadcasts – use newsletters as a way to increase opt-in rates. ConvertKit can be used to segment your list for newsletter distribution without being charged double for subscribers found on more than one list. Sales blasts – designed to present subscribers on certain lists with promotional offers when new products come out

How to Rock Affiliate Product Launches

-Implement launch jacking – use the publicity surrounding a new affiliate product launch to increase commissions.

-Choose affiliate products you love to promote

-Check their product release calendars for affiliate products

-Give yourself at least 3 weeks before the launch to conduct your launch jacking plan

-Buy a domain related to the product – either use the exact product name or add “review” at the end of the product name

Set up your website with your new domain name

-Create an email opt-in form through your email service for each product launch website

Create content that makes use of targeted keywords for this product

-Keep your audience updated with new content as the launch date nears (pre-launch content)

-Write an honest review of the product. Let this be your last post. If you can’t endorse the product for whatever reason, include with your review, a link to products that you would recommend instead. If the review is favorable, include your affiliate links

-Use article marketing to create backlinks to your site from social media, social bookmarking and article directories

-Feature launch information on social media sites

-Consider using other tools like press releases or product review videos

I hope you enjoyed reading my affiliate marketing checklist for online businesses.

Remember to save it somewhere and follow the tips while doing your affiliate promotions.

The steps mentioned in this guide are proven steps used by successful internet marketers.

Advice For Your New Tech Blogging Business Is Here

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Are you looking to create an online presence where people follow you on a daily basis? The content you’ll find here will be perfect for you if you’re looking to better your blog. This guide will cover great advice that you can use in creating a blog and you will get the popularity level that you desire.
Ensure that you are posting very often in the blogs that you operate. At the minimum, you should aim to post one time on each blog every single day during the weekdays. Of course, posting more is always welcome. This shows your visitors that you are a very active blogger, which will make them more prone to keep visiting your blogs.

A key to a successful blog is to blog often. Many bloggers will start by posting once a week, or once a day, and then fail to continue the frequent updates. Even if readers love your blog, they’ll lose interest if they have to wait a long time for updates. A good rule of thumb is to create new blogs weekly and send out email updates.

Since blogging is on a personal level you should avoid writing formally. You should still write in a professional manner and use proper grammar. Your readers will be able to relate to you more when you are writing to them in a casual way and will continue reading your blogs.

Utilizing social media websites is a great way to generate interest and increase traffic to your blog. You can use Twitter and Facebook to inform readers of new blog articles which they can then share with their friends. These websites also serve as a way to interact with your readers, and find out what they are interested in. Tailor your blog updates to their interests.

If you are going to blog, you need to make sure you choose a niche or market that you are passionate about. There are plenty of blogs out there, and there are just as many topics to choose from. Stay specific, and choose a blogging subject that you can create a successful blog with.

Commenting on other blogs is one of the best ways to generate traffic to your blog. If you read an interesting article, write a compelling comment that offers a unique perspective. Include a link to your blog. The people who read your comment will likely want to read more of what you have to say, and will visit your blog.

Your blog goes much further than just your posts. It may look like just a collection of various articles, but it’s so much more. To be a successful blogger, your blog needs a presence. This is created by your posts and comments, both on your blog and other online sites.

With all that you now understand about blogging and how it can help you, you should now have a strategy in mind for how you want to go about blogging in the future. Just take into consideration that it takes time to truly establish a blog with the level of success you hope to achieve.