 Which is the best life insurance? |
| I want a million dollars divided evenly for my adopted 10 kids. Being no matter of which way to self destruct or die.... |
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 Is it legal for a car dealership to charge a salesperson for a customer's bounced check? |
| My mother is an assistant for the top-selling sales person at a local car dealership. It is a reputable dealership, and is one of the largest in the area. A customer of theirs had written a $1500 ... |
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 Will my homeowners insurance cover electronic devices? |
| Recently a bad storm hit and we were out of power for a few days and when we finally regained power I noticed my t.v. does not work properly. The colors seem to be all messed up now. Also I had roof ... |
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 Health insurance benefits...deductible?? |
| Ok I need help explaining health insurance to me. My husband and I (and our son) receive insurance through my husbands work. We have a $400/individual deductible and $1000/family deductible (I guess ... |
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 A guy dies accidentally in your car, are you personally liable for death benefits that exceed the insurance? |
| If a person dies accidentally in your car, can you be held personally liable for death benefits that exceed your policies limits?... |
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 I have an old laptop bought in 2003. was working fine uptill now when my son spilled a glass of water on it.? |
I tried to dry it in the sun, took out the battery dried that too. Now, the laptop does work but most keys of the keyboard dont work. I can only make it work by a keyboard connected via USB.
I ... |
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 What is State Farm Universal Life Insurance Option 1? |
| My brother passed away about 2 weeks ago and the other day he received a letter from State Farm telling him that his policy had started (about 20 days before he was killed). I think that it is Life I... |
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 Got my life and health insurance producer's license.Whose a good company? |
| Feel like I got the license in vain.Everyone that I look into wants money from me(UGA,Cornerstone) to join even though I have the license.... |
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 What should insurance companies do to deal with the possible implementation of Obamas healthcare proposal? |
I want to know what is going to change in the market and what companies should anticipate with the new program that will be implemented in 2010.
Additional Details
I need to know what to ... |
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 Dental insurance?? |
| My dad gets dental insurance through work but there is a problem, no dentist in our city take the insurance that he gets from work, there is only one dentist and they are full and won't take any ... |
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 My mother-in-law has money taken from her account from FSA. How can we find out who that is? |
| My mother-in-law died recently. We checked at the bank to see if she was paying on any policies. There were 4. Two of them were contacted by the funeral home. We are waiting on them to send the ... |
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 Question regarding buildings/contents insurance |
| When applying for household insurance (buildings and contents) is it necessary to have my husband as a joint applicant - it makes the form filling easier if I don't but would it have any ... |
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 Health Insurance Plans??? |
Is there any good health insurance plan???
Which is the best among all???... |
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 Is the housing market going to continue to drop and for how long? |
| My wife and I plan on buying our 1st home soon within the next yr but really want to wait till the housing market is at it's lowest.... |
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 How much does scoliosis surgery cost with insurance? |
| i know it costs about 100,000 with out insurance i was just wondering how much money the insurance company ... |
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ROBERT S | How do I get proof of my no claims bonus for my insurer.I change to diffirent insures every year.Cheapest quot |
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sparkle555_2000
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It's generally not a good idea to change insurers every year, unless you are sure you are getting equivalent or better cover from the new insurer, or if you are unhappy with the level of service provided by your existing insurer. Also, in some cases it can look suspicious if you switch frequently.
However, if you insist on switching, in the UK it is possible to transfer no claims bonus from one insurer to another. You have to ask them to send you a no claims bonus certificate, which you should then send to the new insurer.
As an aside, there are 2 main reasons why insurance companies aren't keen on the idea of customers switching every year: it costs on average 4 or 5 times as much to aquire a new customer than to retain an exsting one. Also, the future underwriting results are made more predictable if the underlying portfolio of risks remains fairly constant. It follows therefore that if an insurer is losing a substantial proportion of its policyholders each year and replacing them with others, there is an increased volatility in the whole portfolio of business.
Therefore, if you keep switching insurers every year, it will probably lead to higher premiums in the long term. |
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Rick W
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You should not be jumping insurers like that. You will get black-balled at some point and then you will not be able to get insured. Stick with a company for at least 4-5 years, then look at quotes. |
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Rossi
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You just phone your last insurer and they'll send you a copy. By law theve got to do this. |
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Ed L
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The company you're getting the new quote from can request a report from your previous insurer's called a " loss runs report", this will verify your claims history. |
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Hook
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Your previous insurer should tell you in writing. |
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Doctor Deth
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it's probably no claims with THEM, so you have to stay with that company a number of years - why should they give you a bonus if you aren't going to be loyal to them? I wouldn't. Just because you had no claims with other insurers doesn't mean anything to them - they are looking for people to stay with them a number of years with no claims - that';s how they make money |
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