Insurance Articles |
| Is no win no fee too good to be true? Posted: 31 Jul 2012 10:53 AM PDT We've all seen the adverts on daytime television – hundreds of actors seem to have a torrid time in the workplace, suffering from many an awkward fall from a un-signposted puddle. To encourage you to claim with their company, the adverts sell on 'no win no fee' and make it sound very simple: if you win you get your money, and if you lose you don't have to pay for their services. So that means you can't lose, doesn't it? Whilst no win no fee claims do help those who could not normally afford legal counsel, it's not always as clear cut and simple as you would think. There are things that you have to be aware of to ensure that you don't get stung by a surprising and costly fee. What is no win no fee? When people say no win no fee, what they are actually referring to is a Conditional Fee Agreement, or a CFA. These came to pass in 2000, and basically mean that in a court case, the losing party pays the legal costs for all those involved. The thinking behind this is that if you have a stone wall case, your lack of money shouldn't hold you back from getting justice. So here we find the first catch with no win no fee – if you lose you may not have to pay your lawyer but you will still have to pay the other party's costs, and these could be substantial. Protecting yourself There are ways of protecting yourself from this, and your lawyer will advise you to take out an insurance-policy to protect yourself in the event of a loss – you don't want get lumped with a fee that you can't afford. There are many reputable insurers who will provide affordable policies, but you have to be careful as this is an area where people have been taken advantage of in the past. Some shady lawyers have been known to push expensive policies from insurers that they are in cahoots with, which may even require a loan in itself. This is easily avoidable – if you do find that you need a policy, shop around to find the best quote, don't accept the first one you see! Choose wisely The main way that people lose out with a no win a fee claim is by accepting bad, or intentionally misleading, advice. All compensation companies now have to be registered, allowing you to be sure that the information being supplied is reliable. It's hugely important that you choose a company with a good reputation so do some research online or ask family and friends. Using reputable no win no fee lawyers such as injury lawyers UK will ensure that your case will be in good hands. |
| Insure your home against flooding Posted: 31 Jul 2012 12:33 AM PDT If you live in a high risk flood area make sure you buy flood insurance from a reliable online broker to cover any damage to your home or its contents caused by rising flood waters. Properties that are most susceptible to flooding are usually:-
The Environment Agency has decreed that Boston, Skegness, the Vale of Clwyd, Windsor, Nottingham South, Leeds Central and Canterbury are areas that are most prone to flooding. There are many other regions in the UK that have suffered recently from floods so if you live in a susceptible area buy flood insurance now. Online brokers Make sure you get in touch with insurance brokers who have plenty of experience when it comes in providing flood insurance, many advertise their services via the internet which is probably a good place to start looking. Competitively priced policies are on offer that will cover:-
Professional brokers can save you money on flood insurance by comparing prices with some of the UK's leading insurance companies, they also offer easy-to-follow online quotation requests, instant cover and free advice. Check out the many discounts and special offers available to help keep prices even lower, it makes good sense to buy the very best flood insurance however if you can save cash at the same time this will mean more money in your own pocket, along with peace of mind. Be safe Having your own home is something most people take great pride in although if your property is located in a high risk flood area be safe and purchase flood insurance. Buying a house is probably for many people one of the most expensive investments that they have made so ensure it is sufficiently protected against the UK's unpredictable weather. It's not a pleasant sight to come downstairs to find everything submerged under dirty, flood water and then having to start the clean up process especially if you haven't adequate flood insurance. Make that very important telephone call now to an online insurance broker at the propertyinsurer.co.uk to set up a policy that you can depend on. |
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