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Author Name: Peter Kenny
Contact Email Address: peter creditcards-gb.co.uk
WebSite: http://www.creditcard
s-gb.co.uk
Category: Finance, Marketing, Internet, ECommerce,
Advertising
Description: Although there are many very honest and
excellent insurance companies and agents, there are also
some who want to take away as much of your money as possible
whilst giving you little or no real cover
Keywords: insurance,car,life,travel,pet,caravan,cheap
insurance,UK,compare,quote,home,buildings,contents
Word Count: 567
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Article Content:
Although there are many very honest and excellent insurance
companies and agents, there are also some who want to take
away as much of your money as possible whilst giving you
little or no real cover. It is important that you know about
some of the various insurance scams and how to avoid them,
as this will save you money and also give you the peace of
mind that you are covered should anything happen and you
need to claim.
Misleading policies
Perhaps the biggest insurance scam to avoid is being
suckered into buying a policy that you don’t really want
or that does not give you what you have asked for. This sort
of scam is often the hardest to avoid, because it is not
just a case of people tricking you on purpose. You can also
be the victim of insurance sales people who simply don’t
listen to your needs and don’t have the right expertise to
help you. If you are offered a policy but it seems confusing
or not what you want, then don’t sign for it.
Claims denied
One problem that people find when they use a poor insurance
company is that when they need to claim back off their
insurance their claim is denied. Some insurance companies
simply don’t have the money to pay out your claim, and
hope that you will never need to claim for such large
amounts. Before buying any type of insurance make sure that
you research the insurer and confirm that they can and will
pay out for eligible claims.
Unnecessary clauses
One problem that many people have is that they end up with
an insurance policy that gives them cover for things that
they have no use for. For example, you might get some travel
insurance but end up paying £15 more for it because it
includes extreme sports cover. Many insurers use the
technique of including everything that you may or may not
need and hope that you won’t query these items. Make sure
that before you sign any agreement you look at what you are
covered for, and if there are things you know that you
don't need then get them removed. This may help you get a
lower price for your insurance.
Too much small print
Another way that insurers can trick you is by putting the
important issues of your insurance in the smallest print
possible. These insurers hope that you will not read this
small print or will overlook something that is making them
extra money or leaving you without cover. Again, check all
of the clauses in the contract, especially the small print.
If there is anything you don’t like then get it changed or
do not sign.
Insurance you don’t know about
One of the most frequently used ploys is to sell you
insurance that you don’t even know you are paying for.
This is usually done by lending institutions that include
payment protection insurance in your loan payments without
your explicit knowledge, meaning that you pay for insurance
that you might not want or even need. If you get a loan make
sure you are not paying extra for insurance that you don’t
need. If you read through things carefully and seek good
independent advice then you won’t be caught out by these
insurance scams.
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Author Biography:
Peter Kenny is a writer for creditcards-gb.co.uk.
For additional articles and an extensive resource for
everything about credit cards, please visit us at <a
href="http://www.creditcard
s-gb.co.uk">Credit Cards</a> and <a
href="http://www.th
riftyscot.co.uk/Insurance/">Home
Insurance</a>
Visit http://www.creditcard
s-gb.co.uk
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* I will appreciate it if you can notify me the publication
of this article. I can be reached at petercreditcards-gb.co.uk.
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