Insurance: You Are Not Invincible!

Insurance is something we all, as people, have to deal with on an every day basis. We can hardly leave the house in any capacity if we are uninsured. A person cannot drive a car or a motorcycle without being insured. Going to a doctor or urgent care facility is practically a living nightmare if a person does not have health care, not to mention, it is probably cheaper just to lose the finger than to pay for stitches without any sort of health care. In order to own a home, you have to take out insurance on the house and the contents of the house. If you rent, and you are smart, you look into getting insured as a renter in order to protect the contents of your place in case of natural disaster or theft.
The world is a scary, dangerous place and we have to protect our precious belongings and ourselves. As we become adults we have to start looking into the scary, dangerous parts of growing up, like getting insured. Some companies will be able to insure all the necessary facets of your life: cars, houses, bodies, and boats. You might have to divide and conquer when playing the “lets get insured” game. The search to be insured becomes sort of a game when searching for the best prices on your dental or recreational vehicles. One company may have great boating insurance prices, while another may have the lowest cost on homeowner’s. And if you are lucky enough to have a job that can provide you with health coverage, at a reasonable price, than you have hit the jackpot, because finding affordable health care in today’s world has been one of the biggest challenges of our generation. It is a meticulous and detailed game, but there are many people out there just waiting to be asked for help. These agencies are connected to many different kinds of companies and can get to know a little bit about you, and can point you in the right direction to meet your criteria.

Applying to become insured has never been easier. A simple visit to a website and a person can get quotes for their cars, homes and businesses. Even some computer games will give you extra points or credits within the game just for applying for an auto-insurance quote! The world really wants people to be insured and safe. And while most of us think we are invincible to any of the accidents or tragedies that can happen at any given time, we cannot predict the future or control how other people drive. That is why we have to be cautious and protected. We have to take the necessary steps to making sure we are prepared for whatever life has to throw at us. We have to expect all the unexpected things that are going to come flying at us. It is a daunting thing to think about, but having insurance makes it a little less scary, and a whole lot more exciting.

How Motor Legal Protection Can Help Young Drivers

Motor legal protection, also known as motor legal cover provides a revolutionary way to lower car insurance costs, and can help drivers of all ages. It’s certainly not news to anyone that young motorists receive a lot of bad press, and recent findings by the RAC Foundation showed that one in five will be involved in a road accident within six months of starting out. Regardless of who is at fault, these figures emphasise that it is now more important than ever for drivers aged 24 and under to seriously consider covering their backs with motor legal protection.
Comprehensive Cover

Motor legal protection is designed to help you recover your losses in the event of a motor-related accident that wasn’t your fault. The policy will pay lawyer fees up to £100,000 to help you recover any uninsured losses (such as claims for personal injury, vehicle repair costs, car hire charges, loss of earnings and any policy excess). A trend amongst young people is to opt for the most basic level of car insurance, third-party cover, to reduce the soaring premiums they’re faced with. Motor legal expenses insurance provides a savvy way of increasing your level of cover on top of this, all without breaking the bank.

Confidence

A 2013 survey conducted by One Poll highlighted the lack of confidence many young motorists feel after passing their test. 29% reported feeling completely unprepared to drive alone after passing their test, and considering the statistics stacked against them, it’s no surprise many feel this way. Motor legal protection can help relieve some of this anxiety and leave you knowing that, should you be involved in an accident that was not your fault, you’ll have the support you need in claiming back your uninsured losses.

Parents

The average price of young drivers’ first cars is also a cost that has risen, according to a One Poll survey conducted this year. It shows that, in contrast to their parent’s generation, this figure has gone up by £1,225. A likely factor in this is financial support from parents, with 27% of kids admitting that their first car was bought for them. This compares to only 10% of people over 55 receiving help in buying their first set of wheels when they were setting out, and hits home the fact that, in order to protect their investment, parents should be ensuring their children have motor legal expenses insurance.

Shop Around

Many customers don’t actually understand the benefits of having motor legal protection, seeing it more as a costly add-on pushed by their insurance providers. Often, this can be true: some companies will charge you as much as £30 for this service. Buying it as a stand-alone product instead can give you the freedom to find a better deal, as some providers will offer it from as little as £6.75 a year.

Get It or Regret It

No-one likes to spend unnecessarily, and managing money when you’re young can sometimes seem like an impossible task. But I’m sure many of us have regretted not taking out insurance before it was too late, and with the peace of mind provided by motor legal cover, at least you’ll know that you won’t be stung by any unexpected fees. When you compare it to the amount you’d have to cough up without this cover, it’s a no-brainer.