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	<title>Best Insurers</title>
	<link>http://www.best-insurers.com</link>
	<description>Your Guide To Finding The Best Value For Money Insurance Policy.</description>
	<lastBuildDate>Sat, 26 Feb 2011 23:29:59 +0000</lastBuildDate>
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		<title>Car Insurance</title>
		<description><![CDATA[When  it comes to purchasing car insurance it can be a confusing thing to have to do.  A lot of people will just buy the cheapest they can find without comparing what they are actually getting for their money. It is important that you know the various kinds of motor insurance available to you in order so that you can make the correct decision when comparing polices and quotes.  Road Traffic Act Only Insurance:  This is the minimum required by law in the UK.  It covers third party liability risks that happen on public roads only.  Third party is anyone but you.  It will pay medical bills for passengers in your vehicle and in the other vehicle, but not your medical bills. It is very hard to find a company that will sell you this very basic insurance and it is not one we would advise taking out. Third Party Insurance:  Covers the insured driver on public roads and private roads.  Covers third party claims and provides protection against other legal responsibilities. Third Party Fire and Theft:  In addition to the third party coverage, your vehicle is protected against fire, theft, and attempted theft. Comprehensive Insurance:  This insurance will cover the cost of [...]]]></description>
		<link>http://www.best-insurers.com/car-insurance/</link>
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		<title>Health Insurance</title>
		<description><![CDATA[Health insurance is a plan that helps you pay for such things as in-patient treatment, out-patient treatment, and day-care.  Each policy will differ somewhat as to what is covered and what is not.  The one thing most insurance policies do have in common is that they will not pay for chronic or pre-existing conditions. In the UK people benefit from free healthcare through the National Health System (NHS).  So why take out health insurance?  Health insurance can give you added support, comfort and convenience in the event you get hurt or become ill. Health insurance is meant to cover acute condition. What this means is that it will cover short-term, curable injury or illness.  The treatment will not cover pre-existing conditions or long-term illnesses that have no cure. If you rely solely on NHS you may find a long waiting period before you can be seen by a doctor. With health insurance, the process is sped up and you will have a much shorter waiting period, not to mention you get to choose where you get treated and you will be able to experience more comfort such as have a private room with a TV. 5 excellent reasons why you should get [...]]]></description>
		<link>http://www.best-insurers.com/health-insurance/</link>
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		<title>Life Insurance</title>
		<description><![CDATA[What is Life Insurance? Life insurance is a form of insurance that pays a monetary value upon the death of the insured covered in the policy.  It is a contract between a person and his insurance company where the insurance company agrees to pay a certain amount of money to the person’s beneficiary upon his death.  Payments must be kept current of course. Why Do People Get Life Insurance? People take out insurance for a number of reasons.  The main reason is to provide security to family members when they, the insured, die.  That security falls under different types: Making sure children stay in school, whether it be private or a university. Providing enough money so spouse can stay home with children or afford childcare. Pay off mortgage and other outstanding debts. What Types of Life Insurance are There? There are actually several different types of life insurance.  The three most common types are whole life, variable, and term life insurance. Whole life&#8211;portion of premium pays for insurance and remainder is a tax-free investment.  The premium is set at the beginning of the policy and that does not change throughout the life of the policy.  This policy allows a cash [...]]]></description>
		<link>http://www.best-insurers.com/life-insurance/</link>
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		<title>Motorcycle Insurance</title>
		<description><![CDATA[If you own a motorcycle and you live in the UK you may want to know that you have to have insurance on it to drive it legally.  There are different levels of insurance and the law states you must carry the minimum of Third Party Only Insurance.  The other two types of coverage of motor bikes or motorcycles are third party, fire and theft; and comprehensive. Third Party Cover&#8211;This covers medical injuries and property damages to the other person or persons and their property whether it be a car, bike, building, or lawn. Third Party, Fire and Theft&#8211;Will cover the same as third party only plus it covers you against damge by fire and theft, also damage caused by associated with attempted theft. Comprehensive&#8211;This consists of third party, fire and theft, and covers damage to your bike in case of an accident(this is subject to exclusions).  It also provides protection against accidental damage, vandalism, medical expenses and more. Comprehensive offers additional features that may or may not come standard with your policy.  Some of these are:  Breakdown coverage, coverage for equipment, temporary replacement bikes and legal assistance. How much you pay for your motorcycle insurance depends on many factors.  Insurance companies determine [...]]]></description>
		<link>http://www.best-insurers.com/motorcycle-insurance/</link>
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		<title>Value For Money Van Insurance</title>
		<description><![CDATA[If you are the owner of a van the chances are you&#8217;re self employed and you rely on it for your business. No van often means no income and if you have no income can you survive while your van is in the workshop. If you can survive do you risk giving yourself a bad name with the customers you cannot provide that promised service for. Customers are not a very forgiving bunch when it comes to being let down.  When taking out van insurance you need value for money, it is no good taking out the cheapest you can find only to discover that if you have an accident and need to make a claim the support just isn’t there. When taking out a new policy always ask if the following is included: 24 Hour Cover Support (what use it if your insurer only operate 9–5). Replacement like for like sized van should yours be off the road. In transit tool and equipment cover. Is breakdown cover included if you are stranded miles from home. No claims protection. Windscreen repair and replacement cover. New van replacement should yours be written off. Do you require public liability insurance to be included. The above are [...]]]></description>
		<link>http://www.best-insurers.com/value-for-money-van-insurance/</link>
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		<title>Travel Insurance</title>
		<description><![CDATA[Travel insurance gives the policy holder protection if something happens while on holiday or sometimes before it even starts.  It is intended to cover financial loss and medical expenses while traveling in your own country or abroad and can include delayed flights. Policy types may include medical expenses, emergency evacuation, trip cancellation,  overseas funeral expenses, return of a minor child, injury or disablement benefits, curtailment, loss, theft or damage to personal possessions or money, delayed departure, delayed baggage or lost baggage, legal assistance, personal liability and rental car damage excess.  Here is a closer look at some of the most common features: Trip cancellation:  Will reimburse the policyholder who is unable to take his/her holiday due to illness or death (of self or family member), weather, airline strikes, becoming unemployed, bankruptcy, terrorism or jury duty. Medical/health:  Will pay for any medical or dental costs that arise while on holiday.  The policyholder must pay the medical facility, then the insurance company will pay the policyholder. Baggage loss:  The policyholder is reimbursed for lost, damaged, or stolen personal items.  Some policies will place a limit on certain items.  These items include sporting goods, laptops, and jewelry. Rental car damage:  If rental car is [...]]]></description>
		<link>http://www.best-insurers.com/travel-insurance/</link>
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		<title>Pet Insurance</title>
		<description><![CDATA[What is Pet Insurance? Pet insurance is health coverage for your pets, regardless of what type of pets you own.  It has existed for nearly a century.  Pet health insurance works in the same manner as human health insurance.  You pay a monthly premium, and depending on the coverage, you pay a co-pay when your pet goes to the veterinarian.  For people with multiple pets, this insurance can be a true lifesaver.  You can start your pet on this insurance at about 6 to 8 weeks of age.  There usually is no age limit as the animal grows old. What it Covers Shots, medical procedures, annual check-ups, tests, screenings, spay and neutering, surgeries, emergency visits, and hospitalization are covered by pet insurance.  Some insurance plans cover the cost of euthanization and cremation. Pre-existing Conditions A pre-existing condition is a medical condition that the pet has when you want to start them on insurance.  Sometimes pre-existing conditions are covered by the insurance plan, but there will be certain stipulations.  Some policies will cover pre-existing conditions after a waiting period.  Other policies will cover the condition as soon as your pet is stable. History Pet insurance actually started in Sweden.  Today the [...]]]></description>
		<link>http://www.best-insurers.com/pet-insurance/</link>
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		<title>Home Buildings Insurance</title>
		<description><![CDATA[Home Building Insurance will cover the damages to your home in the event of a fire, flood, or subsidence.  It covers damage caused as a result of theft, out of malice, or by storms.  Home building insurance provides coverage for the structure of your home, permanent fixtures and fittings such as toilets, baths, and fitted kitchens.  Policies will usually cover garages, sheds, and greenhouses.  Not to mention fences, gates, boundary walls, drives, paths, and an outdoor swimming pool.  Most policies pay for accidental damages done to glass in doors, windows, underground pipes and cables, baths, toilets, and basins. The ‘sum amount’ is the amount of money which your home is covered for and is the maximum amount the insurance company will pay out no matter what.  It is also the amount it would cost to rebuild your home.  Some insurance companies offer unlimited coverage while other insurers will base their premiums on where your home is located,  the size of your home, how old it is, and what type house you have.  Premiums can be paid annually or monthly. If your home is in an area known for subsidence, the increased risk means higher premiums.  Even if your home has [...]]]></description>
		<link>http://www.best-insurers.com/home-buildings-insurance/</link>
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		<title>Home Contents Insurance</title>
		<description><![CDATA[Home Content Insurance or Homeowners Insurance is not something that you to carry on your building, it does not cover the bricks and mortar. Content insurance is designed to protect your possessions that are in your home or on your property.  It does not cover the structures on your land.  If you rent you can and still should consider getting Home Content Insurance so all your personal possessions are protected. Home Content Insurance will protect your hard earned valuables in case of fire, flood, theft, or any other catastrophic loss.  How much insurance you will need to purchase depends on how many possessions you have to cover.  You will need to document what you own and its value for the insurance agent or broker. One of the contributing factors as to the cost of your insurance policy will be the total cost to replace everything should your home and all its contents burn to the ground. Some insurance policies go by the depreciated value of the item (what it&#8217;s value was on the day of the loss) instead of new replacement value. It is also important to check if you are being offered accidental damage cover and it is always important to compare  like for like cover when obtaining [...]]]></description>
		<link>http://www.best-insurers.com/home-contents-insurance/</link>
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		<title>Young Drivers Insurance</title>
		<description><![CDATA[Young drivers may find it difficult to find motor insurance and when they do find it they can expect it to be expensive.  Drivers between the ages of 17-25 are responsible or a part of a third of the auto related deaths in the UK.  This puts them in a ‘high risk’ age bracket and insurance companies will charge much higher premiums. In the UK a vehicle driven on the road must be insured.  The type of insurance required is third party or at the very least Act only insurance.  Here are the different types of insurance policies:  Act only:  This is the minimum legal coverage you can carry in the UK.  It will cover liability to a third party on any public road.  It does not cover damages to someone’s property or any damages that happen off road.  It is very limited and is suited for people with poor driving records or are having trouble getting other insurance. Third Party:  The insured driver is covered when driving on public or private property and roads.  Besides covering third party claims, it will cover damages to property and legal liabilities. Third Party Fire and Theft:  Cover the same as third party [...]]]></description>
		<link>http://www.best-insurers.com/young-drivers-insurance/</link>
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