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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.