Income protection insurance is a vitally important cover, especially if you are self employed. It is insurance you will need to take out in order to protect yourself and your family against a loss of income should you become ill or injured and unable to work for any extended period. Such insurance will normally give you a monthly income that equates to 75 percent of your average earnings. It will ensure these payments are continued until you are able to return to work, or if you incapacity is prolonged, the payments will continue until you reach the age of 65 years, depending on what type of work you were originally employed to do.

Income protection insurance is an insurance which will allow you to continue to pay off your home, if you have a mortgage, or keep paying the rent if you are renting accommodation. It will also guarantee that you are able to continue feeding yourself and your family and that you can keep up with your day to day living expenses during times of enforced inactivity.

Income protection insurance will keep you financially independent and allow you to hold your head high in times of adversity. Without such assistance you could end up becoming destitute and living on handouts from family, friends, or even charitable institutions. However, there remains some aspects of income protection insurance that you may not be aware of, such as the following:
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Most car insurance policies won’t pay for damage to your tyres caused by braking, punctures, cuts or bursts, which makes taking care of your wheels all the more important. Well-maintained wheels can even improve fuel efficiency and decrease your chances of getting a puncture.

When shopping around for cheap car insurance, especially when comparing policies online, pay close attention to the specifications in your policy document. Each provider is different; so whilst keeping the cost of your car insurance down is important, it’s also essential that you have sufficient protection from your car insurance.

How can you look after your tyres?

Making sure that your tyres are inflated to the right level can help to keep you safe on the road. Underinflated tyres can cause a variety of problems (on occasion, they have been known to overheat and explode) whilst tyres that are inflated to the correct level are also more puncture resistant. Underinflated tyres tend to use more fuel getting from A to B, so checking your tyre pressure regularly can improve your road safety and your finances.
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If you drive in Europe, your car insurance should protect you against damage or loss. If you want to be covered against breakdown, however, you usually need separate European breakdown cover.

Cheap car insurance will usually only provide the minimum amount of car insurance cover whilst you’re abroad. This means you’re covered for liability to third parties – and nothing else. If your windscreen cracks or you lose your keys, you will be on your own.

Quality car insurance, however, will usually extend the same level of cover stated on your policy for when you’re driving abroad in Europe. This means that whether you are driving down country lanes in England, zipping over the Alps in France, or whistling down the Autobahn in Germany – you can feel secure with a high level of cover against damage, injury, theft and liability to third parties.
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The growing number of consumers taking up health insurance plans has led to the mushrooming of scam health insurance providers. These providers often target new retirees and the elderly individuals and small-business owners, who can’t negotiate better rates with legitimate insurers. Be very cautious before you invest in any health policy. Read on to get an idea about 3 ways in which your health insurance company can scam you.
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