Car Insurance And Forgotten Fines

Sue Handleys car insurance was coming up for renewal and shed been talking amongst her friends, some of who were paying quite a lot less than her.She didnt really want to change insurers shed been with them for the last few years and its so much easier to just let it run on without the hassle of form-filling no claims details.However, maybe it was time to check if there was a way to save some money.A quick look on-line soon found an insurer with the right cover and a substantial saving in premium.

Having had no reason for complaint and really good service from her current insurer, she decided to give them a ring and see if they could match the quote.During the quote she answered a few questions and when two speeding fines, which she hadnt told them about at the time, were disclosed, she got quite a shock.The insurer informed Sue that there would be figure of over 500 pounds to pay as this would have been the cost of additional premiums over the past four years had she declared them at the time.

Both the speeding tickets were for exceeding the limit by 5mph on a road with a 30mph limit.The company said that had she told them of the offences, she would have paid this cost in additional premiums to cover the perceived extra risk in offering Sue insurance cover.

In reply, Sue Handley said she was aware of the fact that you are supposed to tell your insurers about motoring convictions but as these were both dealt with via a fixed penalty fine and not an appearance in court, she did not think it necessary.She said she was sorry for the mistake, but that it hadnt been done on purpose.

The insurers then said: "Under an insurance rule known as "utmost good faith", we rely on the customer to disclose complete information about themselves and their driving history.We dont believe the term conviction is unclear.We do however appreciate perhaps this is something we should look at further." They also explained that in fairness to other clients, who openly tell them of convictions and endorsements when taking out new insurance and of changes at renewal date, any waiver of this premium should not be allowable.

A lawyer who specializes in insurance, however, was of the opinion that the insurers had no basis in law to charge for an insurance contract which had expired.They say that the insurer should only have the right to take action if a claim had been made in the period in question.Apparently The basic legal position is that non-disclosure of a material fact does not automatically avoid the contract of insurance.It gives insurers a right to choose either to avoid the contract or to affirm it.

Therefore they didnt think that the insurers were entitled to claim in retrospect for the previous years.They felt that each year of the policy was a separate contract and basically these particular years were in the past.

The insurer eventually waived the additional charge.They accepted that Sue Handley had been a loyal client and had paid them a not inconsiderable amount in premiums over the time she was with them.However they stated "We need to know about all motoring convictions and we charge a higher premium to those with them because as a group, policyholders with motoring convictions result in a considerably worse claims experience.

The position would have been very different if a claim had been made.Which just goes to show the importance of being open with your insurer, regarding any relevant facts which could alter the insurance, not just when taking out a new policy, but each year, at renewal time.

Get on-line to find the most up to date advice and the very best quotes for your car insurance.An on-line broker is only a click away.

About the Author

The Perfect-Policy.

co.uk are specialists in Car Insurance, offering fantastic deals and truly impressive information surrounding Insurance and other great financial products.Our sister site Brokers Online offers cutting edge articles and information about Car insurance and other financial products.

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Article Marketing - It's Not Increasing My Search Engine Placement

I am so frustrated trying to get this to work.What is the best way to increase your rank in the search engines?I tried accomplishing this through article marketing, but it doesn't seem to be working.Are press releases for important?I do not have PR Web direct.

Answer: Article marketing can be frustrating at the beginning because articles are a 30 to 90 day deal.They take a little while to get momentum going.Right now you may not see many results from articles, but six months to a year from now you will reap the benefits of your articles.So be patient.Article marketing is still an effective strategy.

Also do you have links in your articles?In your articles make sure that you have links back to your site.These links will help pull you up in the search engines.

The best way to get up in the search engines is to think about it like this.In the Presidential race, the candidates campaign for not only votes from the general public, but from the electoral college as well.The same applies to your search engine.This means that links pointed to your sites are votes from the general public.The more links to your website, the more votes you have.

In this case the electoral college is finding sites that have high Google Page Rank.You need to go to Google and download the Google Toolbar.This toolbar will enable you to find out the Google Page Rank for sites.Every page of every site has its own page rank.

Why is page rank important?Google measures the importance of the website.The higher the Google Page Rank, the more important the site, and the more important the "vote".High page rank sites would be the electoral college.So the goal is to get links back to your site from the high page rank sites.The key is to look for high quality links that point back to your website.

Following are other ways you can improve your search engine ranking:
1.
Press releases will increase your search engine ranking.You can use PR Web direct to accomplish this task.

2.You can buy links on ebay and linkadage.On eBay you just search for "page rank" and you want to find sites with high page rank.

3.You can use directories.A great resource that can help you get website traffic through web directories is at directory maximizer.This is a great way to generate leads and increase your page rank by submitting your high quality website description to over 600 different directories.This website is used by a lot of top Internet marketers.

Before you use this website you need to create descriptions that will grab the reader's attention.Then you submit these descriptions to these 600 web directories such as the web directory called DMOZ.

In order to generate the best results by submitting your website to these online directories you have to create five different titles and descriptions.Why?You need five because you want them to be rotated so you avoid any duplicate content issues.Then you can have Directory Maximizer manually submit your website to over 830 different directories for you.This saves you a great deal of work.At a little cost per directory submission.

If you had to manually submit your website to 830 directories it could take you up to 52 hours.This company will do it for you at a rate of less than $1.70 per hour.I used them for every single one of my websites and highly recommend them.Doing every website may be costly, but it was worth it for me.

About the Author

Email Marketing is the most profitable way to make money on the internet.

Discover how to use the internet and turn your computer into a cash gushing machine.Sign-up right now for Matt Bacak's FREE online newsletter to find out how to do exactly that - Go here:www.promotingtips.com

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What You'll Learn At Fire Safety Training

Never Play With Fire.Isn't that what we are taught when we are young?Of course this is a very important lesson to learn, however as we get a little older, it does at least pay to know how to handle a fire, should one break out at your place of work.While all new employees should be given some basic fire safety training when they begin a new job, including learning where the fire extinguishers and fire exits are, employers, business owners or anyone who has control of a premises needs to be considerably better prepared.

Fire safety training for managers can take place at your workplace if suitable or at a number of different locations around the country.There are a number of companies offering fire safety training, from larger groups to smaller more personal ones.Each company will offer a slightly different programme however there are some common skills taught in most sessions.

Often taking place over the course of a day by highly qualified instructors, courses are designed to give personnel the key information, knowledge and training that will allow them to be competent to manage their facility, should a fire erupt on their premises.

Managers will learn basic fire legislation and what their responsibilities are.They will learn the duties of a fire safety manager as well as ways they can reduce the risk of fire.They will also learn how to manage and maintain fire safety equipment as well as how best to record and test the safety equipment.Understanding the effects a fire has on a company and the theory behind the chemical processes (think of the fire triangle) is important to enable you to know how to tackle it.

Managers will be taught to maintain the emergency exits, ensuring they are suitable escape routes and are always kept clear.

While fire safety training for new employees will vary from company to company, managers will also be given some basic training on how to give first day inductions, annual training and how to give training for specific roles such as fire wardens.

After all the theory, managers will move on to the practical training where they will be given fire extinguisher training.Not many of us probably know how to actually use a fire extinguisher in the event of a fire.Managers will be shown how to identify the different extinguishers for the different types of fire and how to use them to put out flames.

The course will also teach managers how to manage disabled employees and also young people in the building, should a fire break out.Upon completing the training, attendees will be aware of the best evacuation plans for their building and which materials and substances can be dangerous in the workplace.

As simple as it sounds, learning when and how to contact the emergency services could save a lot of time all round.Many people call out the fire services in un-necessary circumstances and had they received some form of fire safety training, they may have found themselves in a situation that they are in fact able to deal with themselves

Most trainees on the programmes receive an IFE (Institute of Fire Engineers) approved certificate of attendance to recognise their achievements.

Apart from physical recognition, the fire safety training courses allow managers to feel suitably prepared for the responsibility of controlling the workplace and their colleagues, in the event of a fire.

About the Author

Dominic Donaldson is an expert in Work-place Safety.

Find out more about Fire Safety Training and why it's important for managers to be prepared.

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5 Tips on Attracting Customers to Your Trade Show Display

When an individual or group of individuals embarks upon any business venture, one of the most important things they have to cultivate is name recognition.Indeed, one can make the best darned cherry apple cobbler on the market today, but if no one knows about it, this fact does the magnificent pie baker very little good.

A trade show is a great place to get your name out there and establish a foothold in your chosen industry.This is an especially beneficial marketing tool if the goods you are trying to market are unique but extremely useful to the buying public.

Thing is, trade shows can draw hundreds of entrepreneurs who are trying to do the same thing as you - obtain interest in their product.

With so much competition in this varied arena, your product can end up getting lost in a sea of business enterprises.You can avoid this however, by taking a few steps towards making your trade show display eye catching and alluring.

Below are five tips you can utilize to make that happen.

1.Giveaways - Think about it.As a consumer what interests you the most?The ability to try something for free of course.To be sure, giving away samples is a great way to bring the buying public to your booth.Prize drawings and contests are also enticing as they give the consumer a promise of something in return for giving a little of their time to your sales pitch.

2.Sweeten the pot - Another thing that people cannot resist is something tasty.With this idea in mind, candy and edibles would be a welcome treat and a reason to stop by your table.If using candy, do not fill your bowl up as consumers will most likely beeline towards your table in an effort not to miss out on your free sweets.If giving away baked goods, only display a few of your wares at a time for the same reason.Be sure to keep a ready supply of the foodstuffs nearby however, for refills when reserves get low.

3.Interact and get involved - Many trade show goers sit behind their exhibit and wait for interested parties to come to them which is a mistake.People like to engage with individuals who are outgoing and fun, which is why major companies pay millions to celebrities with charismatic personas to endorse their products.If being happy go lucky just isn't in your nature, see if you can hire an attractive female model that has PR experience to address the crowd.

4.A dash of color - human beings are visual creatures, and we respond to colorful things far more often than not.This is why to adding dots of color throughout your display is a marvelous way to attract attention.Make sure to do so tastefully, as too much color can end up being confusing and distracting.A vibrant, easy to read banner or a nice, brightly colored tablecloth is a great way to add pop without being overbearing.

5.Presentation boards and visuals prompts -- a wide screen monitor with a power point or slide presentation of a large presentation board can be one way to draw interested crowds towards your table.If at all possible, make the presentation interactive, for example, if utilizing PowerPoint, allow the public access to the mouse so they can move through the presentation at their own speed.If your presentation is stationary, the rule of color would definitely apply.

Above all have fun - people who appear relaxed and happy are most likely to bring interested consumers to their trade show display on a consistent basis.If this is kept up, the business will create the name recognition and appeal that is so essential in helping any new company thrive!

Manufacturer and provider of trade show exhibits and display stands for sale and display booth rental.Whether you are seeking a banner stand display or a custom trade show exhibit, consider Ballance Displays - with 25 years of trade show display experience.

About the Author

Manufacturer and provider of trade show exhibits and display stands for sale and display booth rental.

Whether you are seeking a banner stand display or a custom trade show exhibit, consider Ballance Displays - with 25 years of trade show display experience.

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4 Tips to Profit from Affiliate Products

With affiliate products your potential to earn real money as an affiliate marketer is a "no brainer".As it stands currently, over 90% of new affiliates are failing, and are terribly confused.Although they spend countless hours trying to perfect there marketing plan it is all for naught.Instead of having a trial and error attitude they need to allocate some of their time to seeking knowledge.Knowledge is power, and in this case, knowledge provides the power to generate revenue.

There are specific steps required to obtain any success in any venture you may pursue, and here are a few relative to marketing affiliate products.While the factors are numerous, selecting a productive affiliate program in which to participate requires some knowledge to make an informed decision.

Relevance: Stay within the parameters of your web site.Use materials and text that compliment you site.By bringing in visitor to your site based on a specific target market, confusing them with irrelevant material will send them away making it difficult to convert sales.

Stability and Quality: Never be satisfied with an affiliates sloppy or unorganized affiliate products.There are just way too many to choose from, to settle for companies that aren't reputable.Strive to link with stable companies that are reputable, and offer full details for contact them.

Commission: Strive to obtain 25% or a minimum of 25.00.There are several types of payment and payment schedules available.A Lifetime Commission is used to label a returning customer as yours.If you are responsible for the first sale, you should be receiving commission for subsequent purchases.Residual Commissions are set up to pay you for services that require a monthly payment.Every month someone that you are responsible for signing up makes a payment, you should be paid as well.

Affiliate Support: Another factor to consider is the availability of support, both technical and marketing.Affiliate products such as banner ads, logos, sample ads, click through sales statistic even a help desk, are points to be looked at.Being able to ask questions is a key element of your and there success, so some type of reasonable response time such as 24 hours is usually more than adequate.

There are also some DO's and DON'Ts that come into play at the onset and following these should provide some general insight to those who may be new to affiliate products.

Don't sell what you don't believe in.Only promote programs that you yourself are a member of.A personal testimonial will provide a massive boost to your sales, and being truthful is important to your success.Falsely represent, and it could come back to haunt you.

Do provide the most professional of images possible.Own your website verses using a cookie cutter site; obtain ownership of your domain name.Keep only quality content and text on your site.If you don't own your site these things are entirely out of your hands.

Affiliate products can be a very large asset to building an income producing site.The amount that you receive is contingent to your participation.You will either make a little bit of money, or you can generate enough to make a full time income.Either way, the choice is your.Investigate all avenues, and gain as much knowledge as you can.Affiliate products knowledge is POWER!

About the Author

Dan Smith is an up and coming internet marketer taught by one of the best internet marketers around.

There are many strategies to make money on the internet but nothing makes sense unless you have a big list.Email marketing is the most profitable way to make money on the net.When you build a list of hot and hungry prospects you control your future.Discover how to use the internet and turn your computer into a cash gushing machine at MoneyCrator.com

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