For as long as I can remember I’ve had a monthly entry on my bank statement that was called ‘O/D Protection’. I thought this was a compulsory part of having an overdraft and for a time I was occasionally dipping into the overdraft so protection seemed like a good idea. It wasn’t until my bank [...]

The theory goes that if a business doesn’t need to pay as many salaries, it can offer its products at more competitive prices. The internet is therefore an ideal medium for transacting low cost automated business. If a company can use its website to take a customer from enquiry through to sale without the need [...]

I am personally involved in helping people find life insurance. Mostly for people with a medical condition or high risk occupation. Regardless of the different circumstances of the individual, the things that people protect are always the same and the top two priorities are family & mortgage. Mortgages are quite simple to protect. If the [...]

Lucy: ‘Oh I’d love to be your trustee. It would be an honour. What time shall I come over?’ Sarah: ‘Well Catherine and Sally are getting here for about 2.30 and don’t forget to bring cake!’ 2.30 arrives, pleasantries are dispensed and the ladies sit down to talk shop: Sarah: ‘OK, so Simon and I [...]

Insurers have until December 21st 2012 to remove gender based pricing. Will this mean they have to ignore statistics just because they could be considered gender specific? ‘Statistically’ (based on factual evidence) women live longer and young men have more car accidents. Will these facts have to be ignored? If you’d like to pick the [...]

It’s fairly common knowledge that women tend to live longer than men. In fact, the Office for National Statistics has been conducting surveys for years and a boy baby born in current times can expect to live to 77.7 and a girl baby is expected to live to the ripe old age of 81.9 http://www.statistics.gov.uk/cci/nugget.asp?id=168 [...]

At some point this evening you might see a new TV advert for life insurance from Aviva. I’m quite looking forward to watching it because I currently work in the industry and it seems the advert may cause a bit of a stir. Apparently it’s aim is to provoke an emotional response to the idea [...]

Credit ratings and car insurance, two staples of modern life and two things that cause many people no end of worry! And, just to add to that worry, insurance companies are now using your credit score to help determine the cost of your car insurance! Which means that you could be a model driver, with [...]

One snowy morning I was slowly gearing myself up to head into the office and I thought I’d catch the news while supping a cuppa. I was browsing channels for news when I saw Rip Off Britain in the guide. “Angela Rippon, Gloria Hunniford and Jennie Bond return to their journalistic roots to expose some [...]

Sometimes being frugal and saving money where possible is the right thing to do. Sometimes it’s the only option available when finances are tight. But people who are able to make ‘lifestyle’ decisions on the things they buy would never buy the cheapest fridge on offer or the cheapest material for the new kitchen worktop. Nor would they buy [...]