Other Insurance

Insurance can usually be arranged, at a price, to indemnify you against losses arising from any reasonable hazards to yourself or your possessions.

Personal accident, often providing for the payment of stated amounts of compensation for specified injuries, is quite cheap, as the average risk to any one individual is small. Accident cover is often included in packaged insurance such as travel insurance.


Travel insurance

This insures against the usual risks associated with overseas travel, whether on business or holiday, such as medical treatment (for illness as well as accident), loss of luggage, tickets and cash (to a specified limit), and even the cancellation of the holiday or the failure of public transport.


This is short-term insurance and premiums range from around £6 per week per person. Many tour organisations include travel insurance in the package.


Medical insurance

Medical insurance, which secures hospital treatment as a private patient, is increasingly popular, although expensive. For an additional premium you can include costs of private consultations with a general practitioner, although the patient is usually required to pay for the first two or three consultations in a year (i.e. there is an 'excess').


Permanent health insurance

Permanent health insurance is very different from medical insurance. This is a contract that provides for the payment of an agreed series of periodic payments to the insured should he become sick or disabled for a lengthy period and unable to carry on working.


This insurance is not designed just to meet medical costs, but to provide an income to replace some of the income from employment which will cease or fall dramatically in the case of a long absence from work.


Professional Insurance

If you work as a freelancer it is recommended that you take out adequate insurance to meet any unforeseen events or consequences of your work. Regardless of your ability accidents do happen and you do need to protect yourself and your business.


Below are a selection of insurances that cover multiple professions.


Barber Insurance
Beauty Therapist Insurance
Counselling / Psychotherapy Insurance
Face Painting Insurance
Gym Instructor / Personal Trainer (includes Dance / Yoga Instructors)
Hairdresser Insurance
Holistic / Complementary Therapist Insurance
Homeopath Insurance
Makeup Artist Insurance
Nail Technician Insurance
Nutritional Therapist Insurance
Student Insurance
Trichologist Insurance

Premiums No-claims Bonus

All motor insurance is expensive, because traffic accidents and car thefts are becoming more and more commonplace and repairs more expensive. Naturally, the greater the hazards insured against, the higher the premium.

As with all general (non-life) insurance the premiums are calculated according to the insurance company's assessment of the degree of risk it is undertaking. Factors taken into consideration in making this assessment include the following.

(a) Make of car, and its type (e.g. saloon, sports, racing).

(b) Its overall size, weight and engine capacity.Premiums No-claims Bonus

Refunds, Personal And Business Finance 2017

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