Global Motor

Global Motor is proud to provide tailored insurance solutions for the Australian commercial motor market.

A joining of forces between Global Motor and Allianz Australia has created a stand alone underwriting agency, developed specifically to service the transport, fleet and specialist equipment needs of intermediaries.

Finding the Best Car Insurance

Finding the Best Car Insurance

There are a lot of people today who are looking for ways to save money in their life. With all of the changes going on in the economy today, car insurance is a great place to look. It is easier than ever before to compare rates online between companies. If you have used the same car insurance for many years, there are probably some opportunities to save money by bidding out your insurance coverage. Here are some tips on what to look for when buying car insurance.

Monthly Premium

The monthly premium on an insurance policy simply refers to the cost per month that you have to pay as a customer. As a general rule, the higher the premium, the better the overall coverage on the policy. However, few people view insurance this way. Instead, a lot of people would rather spend less on their car insurance and get bad coverage. While this is fine to do, a lot of people regret the decision when an accident occurs. Always look at the pros and cons of each part of your decision in this area. With all of the different options today, finding Youi Car Insurance should not be as hard as people make it out to be.

Shop Online

Finding car insurance is now easier than ever with all of the options that we have online. If you want to find rates in your area, a lot of insurance companies will help you look at their rates versus the competition. With the changes that are happening in the industry, a lot of companies are getting competitive with the rates that they offer customers. Overall, this is a great time to shop online to save some money. This is a great investment of your time because it can usually yield a good amount of savings in your personal finances from a short survey and filling out some information.

Customer Service

Another important factor to consider when shopping for insurance is the customer service of the company that you are buying from. A lot of people do not consider the customer service of a company until it is too late. Instead of using this strategy, you should look up online reviews of various companies to get a good read on whether or not you want to do business with a particular company. Over time, doing a little bit of research in the beginning will help you save both time and money later on. There are a lot of companies that offer a great deal of help when it comes to finding the right customer service options.

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Final Thoughts

Overall, car insurance is a big expense for a lot of people today. If you are ready to try and save money and get better coverage, one of the best ways to do that is through your car insurance. Car insurance is easy to compare versus the competition online. You should take the time to compare your current rates versus other people in the field.

Landlord Insurance Cover?

Landlord Insurance Cover

For those who own rental properties, landlord insurance provides coverage from financial loss that can be a result of damages that occur to a property. As with most types of insurance, there are multiple different options you can choose from as a rental property owner. Let’s take a look at what some of these are below.

Property Damage

This insurance covers damage that occurs to your buildings and any person property due to things such as storm damage, fire, vandalism, tenant damage, and theft. In most cases, this type of landlord insurance will cover the replacement costs for the entire rental property in the case an event is deemed as a total loss.

Loss of Income

This Youi Landlord Insurance policy reimburses you for any losses in rental income due to damage that makes the rental property uninhabitable. This is a way to ensure that you will always have a flow of income coming in from your rental properties no matter what.

Liability Insurance

This particular type of landlord insurance is intended to protect you from any liability lawsuits or claims. This could be a person that was injured on your property. Some of these costs include medical expenses, funeral costs, legal fees, judgment fees, and settlement fees.

Rent Guarantee Insurance

This insurance protects landlords from loss rent payments. This is ideal for situations where tenants stop paying rent and times where you are working through the eviction process with a tenant.

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In most states, there is a certain time frame, typically 30 to 60 days, that a landlord must give a tenant to remove their belongings after an eviction notice is served. During this time it’s highly unlikely you will be paid by the tenant. Rent guarantee insurance will allow you to get paid by your insurance company for the rent until the evicted tenant moves out and you’re able to re-rent the property.

Legal Assistance Insurance

This landlord insurance coverage add-on is intended to cover any legal costs associated with covering rent and evicting a non-paying tenant.

Landlord Contents Insurance

This is a specialized optional insurance that landlords may invest in. This policy will cover damages to any furnished properties. This can include inside furnishings as well as outside furnishings, such as garden items.

These are just some of the many types of insurance policies that you can take advantage of as a landlord. While most towns do not require landlords to have coverage, this type of insurance is a good investment to help protect you against major financial loss in the future.

Get Cheap Home Insurance

Get Cheap Home Insurance

Your home is one of the largest investments you have, more so since it houses your loved ones and your property. With that in mind, taking up home insurance policy is inevitable to protect your home and its occupants against loss in the event of occurrence of a risk. Getting a cheap and affordable homeowners insurance is not as difficult as most homeowners think. You can get a great deal if you plan well. Here are some few guidelines you can follow to get the most coverage at an affordable price from any Youi Home Insurance provider you choose.

Shop around for home insurance quotes
Get rate quotes from several different home insurance companies. Ask around from your friends and workmates if they like the insurance company. Ensure that the company has excellent customer service and that it provides customer satisfaction all the time. Alternatively, you can check customer ratings online. Put into consideration the policy details of each company and review the rates at least once per year.

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Make sure you have the right amount of coverage
Note that the amount you pay for your home is not equivalent to the cost of rebuilding it in the event of a catastrophe. Additionally, in the event of a fire or theft, the land that your home sits on doesn’t burn down or get stolen. Therefore, note that you do not include the actual value of your home when deciding on the amount of coverage you require.

Review your policy
It is important to review your policy annually because many things change over time. The value of your home may have changed, you may have switched jobs, or you may have bought more valuables. Review your policy just to make sure you selected the right amount of coverage since it goes a long way in helping you find ways to save money.

Limit your claims
When you submit a claim to an insurance company, you increase your risk in the eyes of your insurance provider, so they end up raising your premiums. Submitting more than one claim can even result in cancellation of your policy. Put into consideration the long-term costs together with the immediate costs and benefits before you submit a claim.

With these tips, you can be sure to get a cheap home insurance.