Ask the expert: Our cat heart murmur, a pre-existing condition on our policy?

by admin on Jan.16, 2010, under Insurance News

Earlier this month I received an email from Melissa, concerned that her cat’s heart murmur might be considered as a pre-existing condition by her insurer. Is it or is it not? Let’s find out…

Hi

We have pet insurance and rescued 2 x 3 year old moggies from a rescue centre at the end of November, when the policy was taken out.

We took them to our local vets on Saturday 9th of January to have their jabs and basic health checks.

We were told that one has a heart murmur. We had no idea anything was wrong and are now worried that our insurance company will treat this as a pre-existing condition if we claim?

Thanks

Melissa

 

Hi Melissa and thanks for contacting me via pet-insurance-discount.co.uk.

I think it should be covered by your pet insurance company. You to

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Condition, Heart Murmur Leave a Comment

How Insurance Companies Use Your Credit Rating To Decide Your Premiums

by admin on Jan.15, 2010, under Insurance News

UK Insurance Companies have been using credit scoring to determine policy acceptance, flag potential claims risks and load premiums for over ten years now.

What this means for the consumer is that if you do not fall into the credit/lifestyle brackets determined by the credit rating companies and identified by the Insurance Companies as the most profitable people sectors for their particular products, you will be either declined cover or offered it at a loaded rate commensurate with the amount of extra risk that the lifestyle group that you fall into presents, and designed to deter you from taking up cover.

In other words if you aren’t what the insurance companies are looking for….

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Insurance Companies, Premiums Leave a Comment

Haiti Residents Have Little Insurance Coverage

by admin on Jan.15, 2010, under Insurance News

Haiti, the poorest country in the Western Hemisphere, was rocked by the biggest earthquake it has seen in 200 years this past week. The amount of property damage has yet to be accessed but it is estimated to cost hundreds of millions. The number of deaths is reported to range in the tens of thousands.

With 80 percent of the population under the poverty level, insurance is rarely purchased by Haitian citizens. Haitians spend $20 million on all types of insurance and $10 million comes from auto insurance premiums. That means the vast majority of a country with almost 10 million people have no insurance of any kind.

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Haiti, Haiti Residents Leave a Comment

Motorists admit to using mobile phones while driving

by admin on Jan.14, 2010, under Insurance News

As many as 12 per cent of motorists have used their mobile phones while driving during the last month, according to Sainsburys Finance .

This is despite the fact that speaking on a mobile telephone without using a hands-free kit is illegal and people who are caught doing so facing a fine and points on their licence. Also, 11 per cent of those questioned admitted that they had sent text messages while behind the wheel.

Recently, the Transport Research Laboratory reported that in spite of the tough penalties, more people are engaging in dangerous activities while driving than did before the rules were introduced. Read full article…

Driving, Phones While, Phones While Driving, While Driving Leave a Comment

Pre Qualified Life Insurance Leads

by admin on Jan.14, 2010, under Insurance News

As the insurance market undergoes stiff competition, there is no assured way of getting continuous leads at all times. Besides, people are becoming more aware of issues by the day, making it more difficult to get them to buy insurance. In such a scenario, pre-qualified life insurance leads are better than other types of leads.

Many life insurance lead companies adopt various strategies to get customers to fill out a form on their websites or at their physical locations. These are generally people who are somewhat aware of the importance of life insurance and who also roughly know what they want. These people often search for the best insurance policy on their own.

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Leads Leave a Comment

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