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Trevor Dace's Articles in Insurance

  • UK Motor Insurance - Who Pays For Emergency Treatment?
    This series of articles looks through a selection of the clauses in a typical UK motor insurance policy. At this time it's the "Emergency Treatment" policy clause and it deals with who is responsible for any medical treatment needed as the result of a motoring incident.
  • What To Do In The Event Of A Car Accident - When It's Your Fault
    It's not unusual to find it difficult believing that they could possibly be to blame for an accident. This is particularly true of more mature drivers who have not had an accident in 30 years of driving or those who have passed an advanced driving course. I recall an accident claim form which stated ' I am not to blame for this accident - I am an advanced driver and the vehicle in front should not have stopped in front of me!' (This driver had just driven into a stationary car.)
  • Third Party Car Insurance - What's Covered And What's Not
    Third party car insurance gives you protection for any claim made against you, your driver (if somebody else was driving) or the person responsible for your car. You must by law (the Road Traffic Act) have a certain minimum amount of cover. All motor insurance policies issued in the UK providing 'third party cover' or more, will provide greater protection than the law demands. Whether you just have 'third party only'; 'third party fire and theft' or 'comprehensive' you will have this section.
  • UK Motor Insurance - What Is The Process For Writing Off A Vehicle
    A car is declared a total loss when the cost of repairing it is greater than the current valuation of a similar car. Once the insurance company decides that the car is a write off then they begin the process detailed below.
  • UK House Insurance - Subsidence, That Sinking Feeling
    First of all, this is an expensive problem. There will inevitably be a serious excess, i.e. you will have to pay the initial slice of your claim. The majority of UK house insurance policies now stipulate an excess of £1,000 but you can find one for less. I hope you have some savings put to one side!
  • Home Insurance - What To Pay For
    First, give consideration to your needs.

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