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Irish Construction Insurance

Friday, December 4th, 2009

One of the most interesting facts about the Irish Construction industry is that there is no legal requirement for a construction company to hold any from of construction insurance! In fact, the only insurance an Irish contractor is legally obliged to have is basic motor insurance on his/her motor vehicles!

Although there is no legal requirement under Irish law for a contractor to hold adequate Construction Insurance it is extremely important that adequate cover is in place.

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One of the most important reasons is the high injury & mortality rate on Irish Construction sites. One major positive of the recent construction boom is the fatality per thousand ratio has fallen in recent years although it is still at an unacceptable level.

For example, in 2001 28% of workplace fatalities were Construction related and the Irish Construction industry is consistently second only to the Irish Agriculture& Forestry Industry.

As many primary contractors require their subcontractors to hold Construction Insurance the reality is that although Construction Insurance is not a legal requirement it is usually a prerequisite to obtaining work on the majority of the countries construction sites so the need for construction insurance is a necessity in everything but law!
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Personal Dental Insurance Plans

Thursday, December 3rd, 2009

What’s the best idea you could ever think of? Do you want us to suggest a new one for you?  What do you think of personal dental insurance? Well, lately a lot of people have been saying that this is a very good idea.

Before you jump into the bandwagon, you must know how personal dental insurance works. You should also check whether this plan is just for you, or it’s something that you and your family can benefit from.

A personal dental insurance is a contract that binds the seller and the buyer together. The seller agreed to buy a percentage of the buyer’s dental expenses.

In layman’s terms, if you do choose to go through any kind of dental procedure, the cost will be covered by the insurance company.

This is the very reason why more and more people are opting for personal dental insurance. The medical procedures in the country have increased. If an operation has to be done, it can destroy a budget that has already been planned.
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Car Insurance – How to Compare Rates From Multiple Companies Instantly

Friday, November 13th, 2009
Car Insurance – How to Compare Rates From Multiple=

The reason we compare car insurance quotes from multiple car insurance companies is to make sure we‘re getting the best rates possible. Of course nobody wants to pay more money than they have to, but in the other hand we also want to make sure that our car insurance company is going to respond quickly and fairly in case of an accident.

What is unknown to many is that there is not one single car insurance company that is cheaper (more…)

Some Tips for Insured on Keeping Your Auto Insurance Premium Rates Down

Thursday, November 12th, 2009

There are so many ways that you can use to keep your auto insurance rates down and some of them you can use at the same time as other discounts to maximize your savings.

Here are some things that you can ask your auto insurance company for:

  • Ask if you can receive a discount if you have more than one type of insurance with their company. For instance, you may find that you can have your auto insurance and your homeowner’s insurance with this company and they will provide you with a combined discount. Carry all of your insurance policies with them, such as auto, home, and life and you may find that you can get even more money off.
  • If the driver of the car is a student or is listed as a driver on the car, you may find that you can get a good student discount. This is where the student maintains at least a B average on their report card. You may be required to take that report card to the automobile insurance company each time it comes out, but it really pays off. If grades go down, the discount may disappear until the grades go back up.
  • See if there are any safe driver discounts available. When you haven’t had a ticket or an accident, you may find that there are discounts available for you.
  • If you are a senior citizen and you’ve not had any accidents in a specific amount of time, there may be discounts available to you.
  • You can always raise your deductible to cheaper car insurance premium online from auto insurer. However, you need to keep in mind that doing so will result in a higher out-of-pocket expense if an accident does occur. The standard deductible is $500, but some individuals will go as high as $2,000 to save some money on their premium. If you can pay $2,000 if an accident occurs, then that will work fine. Just make sure your deductible is not higher than what you can afford in case damage is done to your car and you need to pay it.
  • You may wish to shop around. You may find a company that offers the same coverage for a lower price. You always want to compare before you make a commitment.

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Car Insurance and Your Claims: They MUST Pay!

Thursday, November 12th, 2009
Car Insurance and Your Claims: They MUST Pay!

To further complicate matters, even if a loss is covered, the policy most likely includes a deductible as well as coverage limits. Depending on the nature of the loss, multiple insurance companies may be involved. For example, if a storm strikes and you have both wind and flood damage, you may have to file a claim with your homeowners insurance for the wind damage and another with the national flood insurance program (if you have flood insurance) (more…)