By Barbara Crews You’ve spent years and a lot of money on your collection – but have you thought about insurance? What happens if something happens to your collection? What happens if a natural disaster strikes, will your insurance cover the loss of a collection? What about a simple case of clumsiness? Will your current insurance cover accidental breakage of a single piece or two? Unfortunately... 

Adventure sports travel insurance is essential for cycling holidays. Find out what sports insurance is required and whether a basic or specialist travel policy is best. Cycle insurance for an activity holiday is not just a matter of protecting sports equipment against damage or theft in transit. Active travellers need to be adequately covered when participating in potentially hazardous sports and the... 

Insurance settlements refer to the sale of active life insurance policies. The price of the policy is set in a manner that the buyers receive all the money they have paid under the contracts. Usually life insurance policyholders let the policy lapse and do not get any death benefits. In such an event, the beneficiaries do not receive anything because the policyholder loses all the money when the policy... 

By Catey Hill The cellphone falls into the toilet. Your daughter gets the flu the day before you were leaving on safari. Your dog tears his ACL wrestling with another pooch. At any time, the events and accidents of daily life can threaten to put a serious crimp in your style – and a dent in your wallet. Good news: There’s insurance for that. The market has exploded recently for what are called... 

1. You’re a statistic. To an insurer, you’re not a person; you’re a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors,” including your occupation, who you are, what you own, and how you live. 2. Know your home’s value. Before you choose a policy, it is essential to establish your home’s replacement... 

Claims Notification and Requirements: This section will outline the rules set by your particular laptop insurance company as to how you are to notify them if you need to make a claim. Don’t just assume that you just make a phone call and that’s it. Technically you must follow the rules as outlined in the conditions of your policy. They may state that you must notify them by telephone as well... 

By Sam Costello For small, expensive, often-dropped devices like cell phones, insurance is becoming an increasingly common add-on purchase. After all, if you spent $300-$400 on a phone, what’s another $50 to ensure that it will keep working for the life of you cell phone contract? Not from Apple or AT&T That thinking – and fear of needing to extend cell phone contracts to get new phones...