Insurance Breaks For Eco-Friendly Cars

Just a few years ago, there was little incentive for anyone to buy a 'green' or hybrid car. Such new environmentally friendly vehicles struggled for street cred next to the more speedy gas guzzlers of old. It seemed that only if you had a real passion for environmental change would you consider opting for an eco-car, and even then you would run the risk of general ridicule.
But the world has changed dramatically and more people than ever are not just facing up to fears of climate change but are looking to do something practical about it. In early 2006, More Than insurance conducted a survey that revealed that up to one in six people would consider switching to a hybrid car. Since then, sales of hybrid cars have doubled in the UK. Figures from the Society of Motor Manufacturers (SMM) show that 6,538 hybrid vehicles were purchased in 2006 to 2007 - while in 2005 to 2006, just 3,117 cars with auxiliary batteries as power sources were sold. Meanwhile, the SMM figures also reveal that sales of sports utility vehicles dropped by a not insignificant 12%.
Car insurance companies have wisely responded to the switch in consumer behaviour by offering 'eco-friendly' policies. CIS was one of the first companies to offer 'ecoinsurance'. The policy offsets 20% of your car's CO2 emissions by investing in projects like reforestation, renewable energy sources and third-world education schemes. It also offers a 10% discount for cars in tax band A - those that emit less than 100g of CO2 per kilometre. It also appoints repairers that only use recycled materials - a package of incentives that should rightly please the more environmentally minded.
More recently, other car insurance companies have come out of the eco-friendly woodwork. More Than offers all new customers free carbon offsetting for the first 3,000 miles, if you buy your insurance online. Drivers with hybrid, electric and alternative fuel vehicles are also offered a discount of up to 15%. Newly launched Ibuyeco also enables drivers to offset 100% of their carbon emissions. It offers two quotes - one for your premium and another to offset your emissions.
Although you need to look at all premium payments carefully before making a decision on your insurance, it also seems that some of the eco-friendly policies are competitively priced. CIS, for example, offers a good premium on a quote for a 35-year-old teacher driving a 2004 1.5l Toyota Prius (£307.83 compared to £339.15 with Tesco or £347.55 with Direct Line).
Most of us have been moved to consider environmental issues in recent years and it is good to see that insurance companies are responding to consumer pressure by providing policies that encourage motorists to go green. "Drivers are becoming more and more concerned over the impact they are having on the environment. By providing eco-friendly insurance policies, companies are giving motorists a real incentive to become environmentally friendly without having to sacrifice their cars," said Sophie Neary, product director at BeatThatQuote.com.
Neary also added some words of warning, however: "Some drivers may be spending more than they need to on car insurance - for example, opting for third party, fire and theft cover when a fully comprehensive policy can be cheaper. It is great to look at insurance incentives that suit your way of life, but be sure to remember your premium costs and to continue to compare policies carefully for the best deal." Quite simply, eco-friendly policies may be good for the heart and the head, but don't let a passion for the environment stop you from seeing the bigger picture in getting the best deal you possibly can for whatever car you decide to drive.



Caroline Poynton is a financial journalist who writes for Beat That Quote about loans and other personal finance topics.

Tesco Personal Loans Provide Definite Advantages

When you are in need of money, your best friend is Tesco personal loans. You might approach several other lenders to borrow money for your financial needs, while these loans will come to your rescue with practical help without any encumbrance. These loans are provided to customers in the form of both secured and unsecured loans, which is the reason of personal loans are becoming one of the most popular kinds of financial resources among people in the UK.

Tesco is a popular brand in the UK owing to its well-known loans, which are used by the majority of the population. You can have the money needed to educate your wards or to purchase electronic gadgets for your house by availing yourself of the great benefits from obtaining Tesco personal loans. Benefits of Tesco Personal Loans You can enjoy some key advantages of these loans when you need cash quickly. Among the advantages, you will get the first couple of months as a holiday from making installment payments on the loan. You will be able to organize your finances properly when you do not have the stress of repaying the loans immediately.

The payment holiday has some eligibility criteria. The best advantage is the size of the loan that you can borrow with loans. You will be able to borrow an amount in the range of 3,000 pound to 25,000 pound through loans, which should satisfy most of your major and minor cash needs very easily.

Another important advantage is the nonexistence of any kind of charges that are generally collected by other lenders as system fees. Most other lenders charge borrowers a fee on their loans, which Tesco personal loans do not charge. Additionally, you have the option of changing your repayment day in a particular month. In short, you are not bound by any fixed date rule for the repayment of installments with loans. This benefit, which is a rare commodity, is a great convenience to all borrowers.

The best advantage of Tesco personal loans is its preset interest rate. Having a set rate makes borrowers well-informed about the amount of the payments that they have to make through the monthly installments, enabling them to prepare their financial plans accordingly. Borrowers are well aware of their accurate monthly liabilities for loans, because it stays the same throughout the life of the loan.

Tesco Personal Loans - The Ultimate Choice The first two months holiday provided by these loans is very much appreciated by borrowers because the borrower does not have to pay any amount against the loan for three months practically. During this most vital time, the borrower gets to re-organize his financial condition and prepare for the repayment in installments of loans. This special advantage is, however, provided to selected borrowers based on certain criteria. Since the interest rate is pre-fixed, borrowers do not become victims of the fluctuating interest rate found in the money market.

You can find the absolute best deals on tesco personal loans here.

Pet Insurance is Something to Consider

Over the years, all the expense starts to add up. If that pet becomes ill or suffers an injury, most owners will do anything to ensure their beloved pet gets the treatment it needs. A whole life policy will pay out the agreed amount no matter when you die, and it will also increase in value over time.

Some depend on what types and kind of coverage is desired, and yet others are just blanket coverage catch-alls. Ideally, you'll want to identify right pet insurance plan for you, and get your pet in young while she's still quite healthy. Some plans will only cover a condition for the first year you claim.

Other companies will give you a discounted rate if you purchase your cheap pet insurance online. One of the most common pieces of information is on how pet owners can take care of the teeth of their pets.

The requirement for insurance can be easily justified, and after a few regular visits to the vet, it is not difficult to understand why. More often than not, the policies with a lower monthly premium will have a higher excess. Other home owner's policies are available for condos, mobile homes and older homes. However, in some situations, you are going to have a Tesco insurance card that will allow you to not have to pay for your bills at all. Make sure the limit per claim is more than £5,000. Usually, the information given aims to teach pet owners how to monitor the health of their pets.

When you make your reservation, double-check that pets are allowed. One of things you need to take into consideration when purchasing a pet health care insurance plan is the deductible. The ones that are catastrophic in nature are the ones that require expensive medical care and most often, expensive hospital stays.

The limited paid coverage is a max 'monetary coverage' that limits your visits to the Veterinary. Pet Insurance is for covering the cost of the veterinary costs if your pet is ill or has an accident. This type of dental insurance offers you the least amount of out-of-pocket costs. When you compare pet insurance policies you need to find out which ones cover after hours emergencies such as accidents and sudden serious illness. VPI pet insurance covers a wide variety of your pet's medical needs.

VPI pet insurance is the oldest and largest insurance company in America. Trying to decide if you should get insurance on your pet? If so, do you have insurance? If not, you may well want to read on if you want to save yourself millions of pounds So when you're on the net shopping for pet insurance, it's important to swot up on the small print. Then, in the unfortunate instance that your pet is never recovered, the insurance company will pay anything from £500 to £1500 for the value of your pet, provided that the animal has been missing anything from 30 to 90 days. There are various levels of pet insurance to choose from, including Senior and Standard Pet Coverage plans. If your pet is susceptible to illness or you find yourself at the vet's office often then check out pet insurance plans.

Now that pet health insurance is becoming more popular, there is a good chance that the staff at your veterinary surgery will be familiar with and will accept the various pet insurance programs. With the rising costs of pet healthcare and with the extremes that many of us would go to for our pets, pet insurance is becoming very popular with pet owners. Included in many pet insurance policies are the covering costs of advertising in your area and local newspapers for your lost pets safe return. When deciding which pet insurance policy to take out, don't just look at the monthly cost.

Just like the different coverage's on your life insurance policy, pet insurance plans are the same. Insurance premiums are affected by the age, health and breed of your pet, as well as the type of animal. Pet health insurance is a burgeoning market, one that has reportedly grown at an annual pace of 45% over the past five years. Often insurance companies start insuring pet from the age of six months but some does not give coverage to your pet if he or she is more than of eight years.

Compare Insurance - A Wise Step Before Investing!

One thing that is certain in modern times is the fact that life has become uncertain. With terrorist activities on rise threat to life has indeed increased manifold. Then again the accident rate has also gone up alarmingly in recent times. Many cases reported proved to be fatal. This analysis points towards a simple fact that life has become very uncertain these days. And if something happens to the earning member of the family then one can very well understand the plight of the family.

To save one's family from this trauma it is always advisable to go for insurance which is a very good bet against all sorts of calamities. When it comes to insurance there are several insurance companies in UK who are rendering yeomen services and are playing a very appreciable part in bringing some sanity to one's life after the storm.

When it comes to insurance and insurance companies than one name that simply cannot be overlooked is that of Life Saver. It is a big name in UK and has earned a reputation for itself. It offers plenty of options to people who can choose the plan that suits them. Then whether it is life insurance or short-term insurance the consumer stands to get maximum benefit which is the philosophy that drives Life Saver.

Then there is Sanisbury's Bank, another heavy weight in the field of insurance. Its reputation is no less, neither is its policy behind any other insurance company. All its policies are aimed at providing maximum benefit to people. Since it is reputed to be extremely loyal to its clients, it must be added that it has carved a name for itself in the insurance sector.

There are however, other companies as well without the mention of which the whole debate on insurance companies would remain inconclusive. Companies like Tesco, Egg (Prudential), Hallfax etc. are also reputed names in the field of insurance sector and the ones who have won the respect of people.

Thus it becomes pretty clear that insurance is meant for the benefit of people and if they compare insurance deals before investing then there is no doubt that this would be a very wise decision on their part and an investment that they would be very pleased to make.

Read more about Cheap Travel Insurance [http://www.rupizcompare.co.uk/travel/travel-insurance.aspx]

Understanding the Tesco Loans - A Quick Update!

Loans are always required and we know that. I mean there is hardly a person who is sitting full time on a pile of cash that you have ready to buy a car or to buy a home. The ones who already have a pile of cash don't really need Tesco loans. But those who really need these loans will never have the cash. As a result, loans are a part and parcel of nearly every person's life.
But where do you get loans that are really great and which you can pay back easily? This is where you can use Tesco to get a loan as easily as possible. Tesco loans are really easy to get and are useful in emergencies. You will be able to plan expenses and you will be able to pay back the loans as and when you want to. This is where an established company like Tesco is more likely to reassure you that you will not have any problems paying off the loan in a reasonable amount of time.
So what are the benefits of using Tesco loans? There are several advantage of using these loans and they are very simple too. Here is how you start off-

There are several easy to pay cash options that you can use in Tesco loans. For example, you will be able to pay off loans in a simple installment; in one cash payment or even earlier if you have the money extra.
The effective interest rate of the Tesco loans are 8.4% and that is really alluring for everyone. This is applicable for loans of about 7,500 pounds to about 14,999 pounds but you can increase the amount of these loans if you want and if you are eligible for it. If you want to take up the loan you can easily plan your finances well in advance and you can make sure that your established monthly installments do not have any variations in them.
You can even select your repayment dates that you want and that is really easier on everyone as most people prefer to pay by the end of the month
There are also no hidden costs that you will have to pay during the repayment Tesco loans process that will suit your schedule. Please remember that each loan that are sanctioned will be simple and easy to pay back with the minimum amount of payback required.
The company has a forthright repayment policy that ensures that any queries that you have are well paid back in advance. You will be able to make sure that you are not charged extra and you have no problems with your loans.


The advantages with using Tesco loans are innumerable. Fixed interest rates, installments, that are rigidly calculated and a flexible repayment policy ensures that everyone will get the best Tesco loans possible. You can easily make sure that you get everything that you and when you want it and Tesco loans are one service where you will get everything that you ask for.



You can find the very best deals on tesco loans here.

Car Insurance - How Big a Risk is a Woman?

Gender-specific car insurance does not give added benefits according to non-specialist insurers. They maintain that companies like Sheilas Wheels are simply innovative advertising campaigns targeted at female drivers. Craig Martin from Norwich Union says that although women drivers are a lower risk, a standard policy offers many practical benefits, which outweigh the additional gimmicks offered by specialist insurers.
Moreover, there comes a point when insurance for women becomes just as expensive as that for men. The AA quotes the case of a Ford Focus being driven in Cambridgeshire, for which the insurance for a woman, aged 55, was 257.65 pounds and for a man 252.52 pounds.
Young men have a far higher risk of having an accident than women, however this risk difference decreases with age. Take a male motorist aged 17; in our survey their premium was 2,906.25 pounds, whereas a similar policy for a woman was 1,938.13 pounds. When both motorists reach the age of 40 there is practically no difference in the premium. For people in their mid-50s, insurance for a man is marginally cheaper than that for a woman.
There are a number of other factors influencing insurance costs apart from age and gender. A high crime postcode area, like Liverpool, has premiums which are more than double the national average. This characteristic is weighted far more heavily than many others.
Confirming the trend mentioned above, young men have a six times greater risk of dying in an accident than a young women. However, by their mid-30s, both sexes have an equal chance of having a fatal accident. The fatality risk for older men is lower than that for women.
The insurer, Churchill, has found that over a lifetime, men have less accidents compared to women, 8.2 accidents to 9.5. Incidents involving women, which predominantly occur at lower speeds, cost the insurer less than for men
The headline figure you are quoted is not necessary the final figure. Although the level of excess may reduce the premium, the contribution of the driver towards the bill for repairs may far outweigh the apparent cheapness of the initial quote. For example, Norwich Union may give you a low quote, but their excess charges are extremely high. If you are quoted a cheap headline figure, look for extra charges for services such as European cover or a courtesy car.
Providers, who are members of the same group, will search for potential customers having the same profile and establish their price range accordingly. Although Direct Line, Churchill, Privilege and Natwest are all members of the RBS Group, they will all quote you different prices. Looking at the supermarkets, Norwich Union underwrites the motor insurance offered by Asda, the RBS Group provides the insurance for Tesco and esure for Sainsbury.
There are a number of reasons why car insurance for women is lower than that for men up to the age of 45 - government figures show that over 92 per cent of convictions for driving offences in the UK are for men. Men are responsible for 98 per cent of all convictions for dangerous driving. Women drivers tend to drive more slowly, carefully and for shorter distances than men. Although women have as many accidents as men, they are less likely to be serious.



Everybody needs to have car insurance but have you thought, that if you have a fatal crash you and your family would benefit from having Life Insurance. So get insured now, visit Best Life insurance Online and get a quote for Life Insurance

Cheap Life Insurance - Using Your Local Supermarket!

The United Kingdom life insurance market is extensive and mature with several large companies and many smaller businesses offering more specialist insurance products. If you are looking for cheap life insurance you could start with your local supermarket.
It may seem strange to suggest your local supermarket for these type of products however over the past five years supermarkets including Tesco's, Asda and Morrisions are all offering insurance products to their enormous client banks.
All the supermarkets are in fact brokers, they introduce business to the large insurance companies - in real terms if you purchase life products form a supermarket you will in fact purchase insurance from one of the leading life companies.
Supermarkets have also partnered with the leading banks, this relationship however has weakened as the leading supermarket brands are looking to open bank branches themselves. The supermarkets have intimated the bank branches will be opened in side the existing locations and will not be stand alone.
Gaining quotations for your insurance is key to success in finding cheap life insurance and looking at what your local supermarket can offer is a good start. Please bear in mind you will not receive any advice and you will be limited to the offerings of one company.
Make a start - I would advise contacting a local insurance specialist - tell them the quotation you have researched and ask them to beat it. The outcome maybe you get the same price with advice - at best you get a better price and financial advice.