We all love our Iphones, and let’s me honest, if it went missing, it would be like losing a leg! Some of us were even lucky enough to get one for Christmas.

So, with the Iphone still costing an arm and a leg (not the one you lost!) it is important that you have adequate insurance to cover it should it get broken, or lost. That’s where Better Buy Insurance comes in. My last phone provider quoted me £14 a month for insurance cover for an Iphone 4…..so that gives you a benchmark for the prices below!

Better Buy Insurance is a specialist Mobile Phone Insurance Website that offers 12 MONTHS IPHONE INSURANCE FOR JUST £19.99. The cover is also available on all other Mobile Phones.

Better Buy Insurance is a brand of Loyal Insurance Services Ltd and we have been providing Mobile Phone Insurance for over 6 years.

We offer three products in total which protect the customer for 12 months. The £19.99 policy covers accidental damage. The £39.99 policy covers accidental damage, theft, unauthorised calls and overseas cover. The £49.99 policy covers the same as the £39.99 policy PLUS LOSS.

Alternatively, you can try Insurance2Go

Insurance2go offers great value, comprehensive insurance on Mobile Phones, iPhones, Laptops, iPads and Tablets.

Customers can insure their Mobile Phone or iPhone for just £3.99 a month and there are big discounts for customers who pay upfront for 12 months. Laptops can be insured from just £30 a year and iPads from just £4.72 a month.

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Although landlords don’t live in their rental property, it can still be important for them to protect their investment with Landlords Insurance.

It’s a common misconception that standard home insurance will sufficiently cover a rental property; when in most cases it won’t. This is because owning a rental property carries with it additional risk including being liable for accidents of injuries sustained in the property. If you’re looking to protect your buy to let investment then it’s important to consider these factors when shopping for insurance.

Landlords may also wish to protect themselves from accidental damage caused by their tenants. Even the most carefully chosen tenants could pose a risk to the landlord’s property as accidents can and do happen. That’s why Simple Landlord Insurance make it easy to tailor your policy to get the cover you need. They do this by offering cover for a wide range of tenant types, including DSS and Students. Simple even offer bespoke policies (and discounts) for customers with a portfolio of rental properties.

When deciding on your insurance requirements, you may want to consider a number of things including:

1) Whether you just want to insure your building structure, property contents, or both
2) The amount (excess) that you’re willing to pay if you need to make a claim
3) Whether you require additional cover; e.g to protect against loss of rent

Because every landlord and property is different, Simple Landlords Insurance offer a series of additional cover options to help you get the policy that’s right for you. This can include up to £2 million Buildings Insurance Cover, up to £75,000 Contents Cover and Landlords Legal Liability with £2 million cover as standard.

It takes less than 2 minutes to get a quote from Simple Landlords Insurance. And it’s easy to set up your policy online or over the phone. They can even start your cover immediately so your property’s protected.
Once you’ve arranged your cover with Simple Landlords Insurance, it’s easy to manage your policy online 24 hours a day 7 days a week. Need to print off a copy of your policy schedule? Or upgrade your cover at 2am? No problem, it’s easy to do via the Simple Landlords Insurance website secure customer area. And if you prefer to manage your cover over the phone then their friendly UK Call Centre team are only a call away.

A brief video explaining some of the main features of home insurance policies, and how they meet the needs of the customer.

When you owe money to another person or organisation and you fall behind on the payments, they may decide to apply for court order against you. When you receive the court order, it is important that you do not ignore it, as an escalation could result in a County Court Judgement (CCJ) being awarded against your name. A court order will usually set a date by which you will be expected to have repaid your debt (in part or in full) and to whom you are expected to pay the amount (usually your creditor or their representative). In the case of a CCJ, if you do not pay-off the full balance within one month of receiving the order to do so, the judgement will stay on your file for 6 years.

Having a CCJ against you will make it very difficult for you to obtain important credit services, such as mortgages, credit cards, loans and home insurance. Ignoring a CCJ is the worst thing you can possibly do, as such action (or lack thereof) will probably do further damage to your credit record. Failure to meet payment deadlines is likely to result in your creditor returning to court to seek an enforcement order, where bailiffs are likely to be appointed to visit you at your home or place of business. Should you meet the one month payment deadline, your CCJ will be removed from the register. If you pay off the total balance after the one month deadline then the CCJ will stay on the register, but will be recorded as “satisfied”. Non-payment causes the CCJ to be recorded as “unsatisfied”.

Suffering a change of circumstance that leaves you unable to meet the terms set out in your CCJ will not automatically excuse you from your obligation to pay. Instead you will need to apply to change the terms at the County Court before you fall behind with your repayments. If you do not take action to change the terms, you will be at risk of losing your possessions and (in worst case scenarios) you may even lose your home. Evidence will need to be provided to support your application to change terms, proving your reduced income and demonstrating your expenditure on necessaries. If you state a figure that you can afford to pay and the other party agrees, then you must continue making payments at the reduced amount. If you cannot come to terms with your creditor, then the court will decide how much you should pay based on the information you have given them.

If, after having your CCJ terms changed, you find that you are still unable to meet the payments, then it is vital that you return to court as soon as possible. At this point another meeting between your creditor, yourself and a judge will be arranged to discuss what you will reasonably be able to afford. Applications for changes to terms may require you to fill out more forms and paperwork, and you are likely to incur additional court fees, but these are necessary evils if you want to minimise the repercussions. You may also be able to ask the court to freeze your CCJ until such a time as you can afford to repay it, though this will depend entirely on your situation and is decided at the judge’s discretion.

Getting specialist home insurance with a record of CCJs can be difficult, but it is not impossible. Many mainstream insurers are known to have declined home insurance for people with CCJs, but if you try to get it without informing your insurer of your CCJs then you are likely to have your home insurance claim rejected should you need to make one down the line. There are a small number of insurers who specialise in providing non-standard home insurance to people in difficult situations. You might need to do a little more research to find them, but it is worth the effort when compared to the alternative of going without insurance altogether.

When it comes to renewing your home insurance, the thought of having to fill out huge forms or speaking to an insurance company over the telephone can be off-putting, especially if you’re calling a premium rate number. The thought of just renewing your current home insurance policy to make your life easier is tempting, but you should think again if you want to save some money. Insurance companies will often offer great deals for new customers as they know that most people don’t bother to shop around and will just stay with the same provider each year.

Other than shopping around to find the best quote, there are other things that you can do to save money on your premiums.

To lower the risk of making a claim, you should protect your home from theft. This can be done by changing the locks to your home if you have lost your keys or have just moved in, as you never know who has access to your home. You should make sure you get an alarm system fitted in your house. Approved burglar alarms can also reduce premiums with some companies. Another idea is to get switch lights for your home, to give the impression that someone is at home when you are away, or even at night time.

Only pay for the insurance cover that you actually need. When purchasing your home insurance, it’s always easy to get talked into buying extras such as 24 hour emergency cover, legal protection, garden cover, accidental damage cover and other add-ons you don’t need. You could also increase your voluntary excess to lower the overall premium.

Don’t be tempted to let your current home insurance automatically renew. In some cases, there is no reward for brand loyalty so it’s worth shopping around to get a better deal.

For many people in the UK, owning a health insurance policy is traditionally considered a luxury rather than a necessity. That’s because the existence of the NHS, which was set up to provide accessible and free healthcare to people across the country, has made socialised medicine the norm. However, in the last few years, some middle and lower income groups have turned to privatised medicine in order to avoid lengthy waiting times and crowded hospitals, leading to an increased interest in purchasing health insurance.

Indeed, one of the main advantages of owning a health insurance plan means that if you need sudden access to a GP, long queues can be avoided by visiting a private practice and you can feel secure in the knowledge that your policy covers costs incurred. Instead of adjusting your timetable to fit in with your doctor’s appointment, you’ll usually be able to settle on a time that suits you – whether that’s at lunchtime, after work or while your children are at school.

What’s more, if you choose to undergo treatment or surgery at a private hospital, a comprehensive private health insurance policy will cover you for consultations with your doctor before and after the procedure. This ensures that you are well-prepared before your treatment and that you are given sufficient guidance afterwards to aid your recovery. Some policies also offer access to a 24-hour health line so medical advice is on hand when you need it.

High quality health insurance companies may also offer health insurance that covers consultations and treatments for heart disease and cancer, at a higher rate to a standard policy. This may be particularly valuable if you’re afraid of how you’ll cope should you be diagnosed with heart disease or cancer, if your local hospital is strained or under-resourced to deal with these particular diseases or if you’d simply like to enjoy the freedom to choose where to undergo care. Other policies may also cover you for psychiatric treatments and out-patient complementary and holistic therapies, like reflexology and massage.

Ultimately, knowing that you have insurance for your health could offer you much needed peace of mind as you get older. Remember, however, that it is important to be as honest as possible about your existing conditions when applying for your insurance. If your health insurance company discovers that you have lied on your application form – for example, about whether or not you smoke – your future claims may be rejected.

The author of this article is a part of a digital blogging team who work with brands like Bupa Insurance. The content contained in this article is for information purposes only and should not be used to make any financial decisions.

Many people like the idea of buying a second property, renting it out and then selling it for a bundle once the mortgage is paid off! And, let’s be honest, with interest on savings currently so low and house prices continuing to fall, now might be the right time to invest in a second property (rather than the bank).

However, although property can be a great long term investment and renting out a second home can be a great extra money earner, there are a lot of risks involved with buy-to-let properties. So, if you are thinking about buying a second home and letting it you should consider covering yourself with landlord insurance.

With a comprehensive landlord insurance policy you can protect yourself against the following problems:

Dodgy Tenants
Now I know what you’re thinking “I’m not stupid, I will do credit checks and get references and only rent to good tenants!” However, no matter how much you screen, check and reference the fact of the matter is you may end up with tenants who just won’t pay up!

They may lose their job, get into debt or face a huge unexpected bill and therefore not be able to pay their rent. In this circumstance, landlord insurance would cover you for any revenue lost.

Thieving Tenants!
Again, no matter how much you check and reference you may end up with a tenant who accidentally takes (steals) something from your flat when they move out. Again in this instance landlord insurance would cover you against any losses.

Clumsy Tenants
Hey, you may have done everything right and found yourself the perfect, gleaming tenant who pays on time, is always clean and doesn’t have any annoying pets! However, even the best of us have accidents and there is always the possibility that your tenants will accidentally block the drains, break fixtures or ruin a carpet.

It sounds unlikely but the cost of replacing carpets or repairing structural damage can be huge! So why not just get that extra piece of mind with some insurance. Listen, you may never use it but then again you may never claim on your car insurance, but that doesn’t mean you would drive around without any does it?

5 Ways to Save Money on Your Car Insurance

Let’s be honest, times are tough! With the cost of petrol, energy bills, food and the general cost of living continuing to go up everyone is looking to save a bit of money. However, when it comes to car insurance many people continue to pay out huge sums of money each year and don’t realise just how much they could save!

Car insurance can is one of the largest annual bills faced by most people but there are many ways you can lower your car insurance and save money. Check out these great ways of saving money on your car insurance rates.

Compare, compare, compare!
Loyalty is a great thing and if you have been with the same insurer for years you may want to stay with them as you know the service and can trust them. However, one of the quickest and easiest ways to lower your car insurance quotes is to check out the market and compare multiple providers to see if you can get a cheaper deal elsewhere.

Many car insurance companies will guarantee to beat your current rate and so by simply changing insurers you can save yourself a lot of money. Also, it never hurts to look, just because you look at other insurers doesn’t mean you have to change. If you don’t find a cheaper quote you can always stay with the same provider.

Pay up front
When your car insurance renewal arrives it is tempting to pay it off over the year in small monthly installments. However, if you pay monthly you will pay interest on your car insurance rates and so you will actually spend more in the long run. If you pay it off in one go it will be a big upfront cost but over the year you will save quite a bit of money.

Raise your excess
A low excess sounds great as it means you don’t have to pay out lots when and if you have a crash. However, the more you pay on excess in the case of a claim, the less the insurer pays and so they can afford to lower your premiums. If you stay claim free you will end up saving a bit of money by simply raising your excess.

Which cover?
Are you sure you have got the right car insurance cover? You may be paying for cover you don’t want or need, such as roadside assistance, multiple driver insurance or full comprehensive cover. Always check exactly what you are being charged for and only pay for what you need.

Stay claim free
Obvious isn’t it but a lot easier in theory then in practice! You know it, I know it, insurers know it, the simple, easiest way to lower your car insurance rates is to stay claim free. The longer you don’t make a claim the lower your insurance rates will fall!

The Importance of Pet Insurance

We all think of our pets as family, and therefore want to look after them the best we can. Unfortunately Rover is unable to go out and find a job, and therefore cannot pay National Insurance Contributions (not sure the lack of job is the only reason he cannot pay into it!), so when he feels a bit under the weather, we can’t rely on the doggy NHS to pay for his treatment. This means that the cost of it falls down to us.

Depending on the illness, it could cost in the region of £1000 for our pet’s treatment, and to be fair, not all of us have money trees growing in the garden (but if I did, then of course I’d share the wealth!). So, as you would take out a private health plan for yourself, why not take out some insurance for your family pet.

It is worth taking the time to find a plan that suits you and your animal, as the T’s & C’s of each policy can differ. For example, some policies put a maximum age on your animal – maximum age of joining the scheme, they don’t come round your house when the dog reaches a certain age!

So what does pet insurance cover?

This varies policy to policy but usually covers a mixture of the following:

Vet Fees
Death from accident/illness
Accidental Damage
Advertising and rewards
Theft or Straying
Holiday Cancellation
Quarantine Costs
Replacement Pets Passport (yes, they do exist!)
Boarding Fees
Emergency Treatment

Most companies will allow you to choose a level of cover, and this is usually set out in “tiers”.

One such company is Homebase Pet Insurance who offer different types of cover for cats and dogs, because cats and dogs have different needs.

Cover that’s just for cats: –

Choose from two levels of cover – Claim up to £2,500 vet fees cover per year and Save 10% when you buy online, plus save an extra 10% for every extra pet. And, if that’s not enough then you can save another 7.5% if your cat has a micro chip! Cover starts from just £3.58 per month

Cover that’s just for dogs: –

Choose from three levels of cover – Cover dogs from just 8 weeks old for vet fees. Go Platinum and claim up to £7,500 every 12 months, with no limit to the length of treatment. Save 10% when you buy online and save an extra 10% for every extra pet. Their cover starts from just £7.07 per month

It really is worth taking a policy out for your pet, as if something unexpected happens, then it’s “better to be safe than sorry” as the old adage goes! So, jump on your favourite search engine, and find one which suits you (oh, and Rover).