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Top tips for motor caravan insurance

Written on October 20, 2011 – 6:20 pm | by Lola Benny

Here are a few top tips for those considering purchasing motor caravan insurance:

• insurers may have a minimum driver age requirement of 25 – avoiding having drivers on your policy who are inexperienced or with driving convictions, may help you to keep your costs down;
• some motor caravan insurance may include some degree of cover for continental driving outside of the UK – keeping the total mileage down (or number of days you are outside of the UK) may reduce the price;
• some policies may not permit the overnight parking of your motor home on sites that are not formally designated as motor home sites, others may not cover your vehicle if it is left unoccupied anywhere other than on a formally approved site – make sure you understand any such conditions and comply with them;
• if you fail to drain down all the vehicle’s water systems when it is not in use in winter, you may invalidate some components of your cover;
• some policies may typically exclude the use of the motor home for any purposes other than leisure – so it may be advisable to avoid using your vehicle for commuting to work or taking the kids to school etc;
• it may just be common sense to avoid storing extremely high value items in your motor home when you’re not present (e.g. jewellery a

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Tags: Caravan Insurance, Insurance, Motor Caravan, Motor Caravan Insurance

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Bad Faith Without Breach of Contract? Indiana Supreme Court Says the Duty of Good Faith Includes the Manner of Handling the Claim

Written on October 19, 2011 – 9:55 am | by Ethan Kinnear

Insurance policies contain words that become ambiguous as technology and building practices change, causing good faith disputes over coverage to arise. While a good faith dispute over coverage does not constitute bad faith, one court suggested that an insurance company can be liable for bad faith if it fails to fairly treat its policyholders during its investigation of the claim.

The Indiana Supreme Court recently affirmed a jury verdict finding that an insurer acted in bad faith in denying its policyholders’ claim, even though the denial was found to be valid.

In , the Supreme Court of Indiana held, “[a] good faith dispute over coverage…did not preclude finding of bad faith and award of punitive damages based on insurer’s conduct leading up to and including the issuance of the denial letter.”

The insured, Magwerks, brought suit against Monroe Guaranty Insurance Company, a commercial property insurer, to recover for breach of contract and bad faith and sought punitive damages. The trial

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Tags: Faith, Good Faith

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Insurance companies pledge to pay out for UK riot damage

Written on October 13, 2011 – 3:45 pm | by Lola Benny

• Hilary Osborne
• guardian.co.uk,

Insurers have said they will pay out to customers who have had possessions damaged and stolen in the riots in London and across the rest of the country.

Some policyholders had been concerned that they wouldn’t qualify for a payout because the losses were a result of civil unrest, but insurers said this wasn’t a problem.

Keith Lewis, a spokesman for insurer Zurich, said: “As a customer it doesn’t matter what is happening – the issue of whether it is classed as rioting or civil unrest rises when we as insurers are trying to reclaim costs. I

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Tags: Damage, Riot Damage

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Car insurance: 10 things you need to know

Written on October 12, 2011 – 5:20 pm | by Sara Steel

The key to cheap car insurance is an accident and ticket-free driving record.

Most people see car insurance as a necessary evil and who can blame them? The monthly payment is among the most expensive household costs you have and all for something you hope you never have to use. The good news is that with a little bit of research you can make sense of car insurance and save money in the process.

Here are ten things you need to know.

1. Keep a good driving record

The single best way to keep your premium low is to build a good driving history.

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Tags: Car Insurance, Insurance

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The Essentials of Insuring Antique Cars

Written on October 3, 2011 – 6:56 pm | by Admin

Today, more and more people are getting into collecting antique cars, which is why the number of insurance companies that are offering antique car and vintage car insurance policies has also increased. It is important to make sure that you have a car insurance policy which would be able to adequately cover your antique car because antique cars are usually more expensive than regular cars.

Antique cars or vintage cars are cars which are from the 1950s, 1960s or 1970s, and sometimes from even older decades. They have usually been preserved or reconditioned and can either be owned for the purpose of collecting them or driving them.

There are several considerations that you need to make when looking for an antique car insurance policy. Full Article…

Tags: Antique Cars, Cars

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