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Hire And Hope . . . Is That Your Plan For Growth?
“If they can fog a mirror we’ll hire them.”“If their crimes weren’t too bad, we’ll give them a job.”“We’ll hire whatever applicants we can get.”Sound familiar? When I hear statements like that from people who call themselves professionals, I cringe. The ...
Identity Theft: It Won't Happen To Me.
"I got bad credit I'm not worried" "It happened to a friend of a friend" "I've got other priorities now" "All it takes is guarding your Social Security number" "I can trust the people around me" These quotes are all too common regarding identity theft. ...
Internal Prisons: The Thief of Productivity in our Workforce
INTERNAL PRISONS: THE THEFT OF PRODUCTIVITYAs a professional speaker, one of my biggest challenges is to grab the attention of my audience within the first few minutes of the presentation- grab them by the throat if you will. I do this by coming out in a ...
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STEP ONE - CUT THE EXCESS, CUT THE RISK
The size of your car insurance premium is directly related to the risk you pose to the insurance company. So the easiest way to cut your premiums is to accept a higher voluntary excess. An insurer's standard excess may be £100; but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a car park crunch.
STEP TWO - SECURE IT & SAVE
Another sure way of reducing the risk and, therefore the premium, is by fitting approved security devices. All major UK insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security such as an immobiliser and alarm. Not only does it save you money when your insurance renewal is due but it gives you extra peace of mind every time you park up your car.
STEP THREE - LOW MILES, LOW
PREMIUM
If your annual mileage is low, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.
STEP FOUR - ADD A NAMED DRIVER & SAVE UP TO 15%
Including a named driver on your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. A young named driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums by up to 15%, particularly if the named driver is female!
STEP FIVE - SHOP, HAGGLE & SAVE
Simply shopping around will reward you with the biggest savings. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparative online car insurance quote sites like Moneysupermarket and Screentrade, take their best quotes and go direct to the cheapest insurers for more specific quotations.
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