Choosing the right insurance policy for your cat

Choosing the right insurance policy for your cat

Cats are significant members of many UK households and for this reason deserve to be looked after and protected. Felines are notoriously independent and love to explore their surroundings, so it is important that you have a suitable cat insurance policy to keep yours safe should he fall ill, get injured in an accident, or require care in your absence. However, in your search for the perfect insurance for your furry friend you should bear in mind some precautions and check for:

Any exclusions

If your cat suffers from a medical condition before you take out the insurance policy, vet fees are likely to be excluded from the cover. The same applies to any treatments required for pregnant kitties or the birthing process. Therefore it is important that you go through any policies you are considering thoroughly, checking for any gaps in what your cat is covered for. If you don’t have sufficient cover this could backfire down the line, hitting your pockets hard and unexpectedly. Be sure to read the small-print and choose a tailor-made policy, such as cat insurance from Pets at Home that allows you to choose from a range of insurance policies.

Any limits

In policy terms the limitation is the total amount that your insurance provider would pay out if you need to make a claim. For example, any veterinary fees covered by a cat insurance policy are usually limited to a fixed amount per year. If your cat requires any more treatment or operations at the vets once the maximum agreed limit is reached, you will be expected to meet the costs out of your own pocket.

Excess

‘Excess’ refers to the amount of money you need to contribute if you make a claim. The amount of excess that you need to pay will vary depending on the insurance provider, so before signing up for a policy make sure you read the small print and excess details. Weigh up the cost of each policy, what you get for your money, and how much excess you need to pay to guarantee the best deal for you.

Business Insurance

Owners of small businesses in the UK are leaving themselves open to potentially crippling losses by not having the right business insurance in place. Surprisingly, 30% of business owners don’t have any form of business insurance at all. And more than half of all small business owners are worried about our growing culture of “blame and claim.”

Clearly times are tough at the moment, and everyone running a business is trying to keep costs to a minimum. But there are certain areas where it doesn’t make sense to cut corners – and your business insurance is one of them. Insurance from Premierlinedirect.co.uk can protect you against a claim – or a loss – that might otherwise put you out of business.

So if you’re running a business – and it doesn’t matter whether you’re self-employed or the business is a limited company – what steps can you take to make sure you have the right cover in place, without breaking the bank? Here are half a dozen pointers:

1.      First of all, identify what’s most important to your business – it could be your stock, goods in transit, or something as basic as the cash you hold. Make sure you’re covered for what’s vital to your business – and if you’re worried about “blame and claim” make sure you’re covered for public liability as well.

2.      Secondly, choose a reputable insurer – one who’ll react quickly in the event of a claim. If you need to replace a lot of stock you don’t want to be financing that yourself, particularly given the current mood of the clearing banks. Check the contractors insurance from premierlinedirect

3.      Be realistic – especially if you’ve invested in new plant or machinery, or you’ve expanded your business. Less than half of business owners have re-valued their company’s assets in the past year – and if your insurance cover doesn’t reflect the full value of your stock or equipment, then you might find your insurance company reluctant to pay out the full amount in the event of a claim.

4.      Shop around. If you’ve been with the same insurance company for years and renewed your cover automatically, you might be in for a pleasant surprise. And check the ‘added value’ services as well – some insurance companies will offer some really useful add-ons (a legal helpline, for example) so make sure you check those as well.

5.      Read the small print. All insurance companies will impose some restrictions – such as a minimum level of security – and it’s important you know what your obligations are.

Lastly, consider going direct to an insurer, either online or on the phone. They may give you an extra discount if they don’t have to pay a ‘middleman’ – and any money you save adds to your profit at the end of the year!

Hands Heal: Communication, Documentation, and Insurance Billing for Manual Therapists

Product Description

Hands Heal: Communication, Documentation, and Insurance Billing for Manual Therapists

SuperFreakonomics, Illustrated edition: Global Cooling, Patriotic Prostitutes, and Why Suicide Bombers Should Buy Life Insurance

Product Description

Seeing is believing . . . The Smash Hit SuperFreakonomics is now Bigger and Better

SuperFreakonomics was an instant New York Times bestseller that caused a media uproar, continuing the amazing success begun with the groundbreaking, worldwide sensation Freakonomics.

With the Illustrated Edition, Steven D. Levitt and Stephen J. Dubner bring alive their smart thinking and great storytelling with an explosion of visual evidence, including:

• A by-the-numbers tally of a high-priced call girl’s career, and a tracking sheet from an intensive survey of Chicago street prostitutes.
• A visual quiz that lets you pit your memory against the memory of a chess grand master.
• Images of the hurricane-killing machine and other geo-engineering inventions described in SuperFreakonomics.
• A look into whether doctors are better at saving lives in TV dramas or in real hospitals.

Whether probing the intricacies of sex change oper-ations, the effectiveness of child car seats, or what really motivates people to do good, the Illustrated Edition of SuperFreakonomics employs photographs, drawings, and graphs that will lead readers to see the world in a bold, fresh way.

SuperFreakonomics, Illustrated edition: Global Cooling, Patriotic Prostitutes, and Why Suicide Bombers Should Buy Life Insurance

Classic Life Insurance Films DVD: 1940′s Life Insurance Co Careers Film & Metropolitan Life Insurance Company History Film

• Table Of Contents:
• (1) Family Portrait (1940s) – 32 Minutes
• (2) Life Insurance Occupations (1948) – 10 Minutes

Product Description
Two (2) classic life insurance films focused on career opportunities and the benefits life insurance companies provide to the surrounding communities. Table Of Contents: (1) Family Portrait (1940s) – Metropolitan Life Insurance Company promotional film that gives an inside look into the business of insurance. This film has a strong emphasis on employees, community, and some basics on how life insurance works in general – 32 Minutes (2) Life Insurance Occupations (1948) – Vintage vocational film that showcases careers in the insurance industry – 10 Minutes

Classic Life Insurance Films DVD: 1940′s Life Insurance Co Careers Film & Metropolitan Life Insurance Company History Film