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Kirztie Yee

United Kingdom

Member since March 13, 2014

  • Along with the many other steps to take when starting a business, here's one that many self-employed folks neglect: checking to make sure they have the right car insurance coverage.

    Just because your business is part-time or operated out of a home office on a shoestring budget doesn't mean a personal auto insurance policy is enough. There are different types of car insurance that you should know about to be sure you have sufficient coverage.

    Here are five coverage tips to make sure you have the protection you need:

    1. Don't lie to the car insurance company.

    A personal car insurance policy typically excludes coverage for some types of business use, other than commuting to an office, so you need to check the policy and let your insurer know how you're using the vehicle.

    "Otherwise the insurance company could deny a claim and then cancel your policy if you rely strictly on a personal auto insurance policy and use your vehicle for business purposes," says consumer analyst Penny Gusner.

    That goes for part-time businesses, too, says James Kuryak, principal of Niagara National Insurance in Buffalo, N.Y.

    In his region, for instance, a lot of folks make extra money in the winter by attaching plows to their pickups to clear private roads. Generally vehicles with equipment attached to them require commercial insurance.

    2. Determine whether a business-use endorsement on your personal policy is necessary and would provide enough coverage.

    A business-use endor...

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    After a winter filled with cancellations and delays helped to drive travelers to buy more insurance, the question remains: Is it worth the potentially high extra cost?

    For heavy travelers, this past winter was anything but a fun one. Delays and cancellations were common across the country, due in part to an unpredictable Mother Nature.

    It was also costly, with an estimated $5.3 billion in lost productivity and out-of-pocket costs from December 1, 2013, to February 28, 2014, according to a MasFlight study from March].

    According to Skift, those interruptions apparently led many travelers to buy insurance from companies such as Allianz Travel Insurance, which reported a 25 percent increase in consumer sales so far in 2014.

    “A significant portion of that rise can be attributed to consumers’ increased awareness of the need to purchase travel insurance during severe weather,” Allianz’s Daniel Durazo told Skift.

    But whatever the reason, is buying travel insurance worth it? Some considerations:

    The price tag: According to the Insurance Information Institute, trip-cancellation insurance adds 5 percent to 7 percent to the cost of a trip, but it covers you in case factors outside of your control cause complications. There are less expensive options, such as waivers, but they offer travelers far more limited wiggle room.

    What if you get sick? If you’re traveling, there’s always a chance you might face some sort of illness—and a form of travel health insurance might come in...

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    Pinterest: Being blasted with a shotgun to being mistaken for a biscuit and dunked in a cup of tea are among the reasons given for the demise or loss of a mobile phone to gadget insurers

    Gadget insurer Protect Your Bubble has rounded up the strangest reasons customers have given for the demise or loss of their phones, including being blasted by a shotgun and lost in a freezer cabinet.

    "I was out shooting one day when my mobile phone rang," said one claimant. "The gamekeeper confiscated it, threw it into the air and gave it both barrels of a 12 bore shotgun!"

    Dogs are a common element in the demise of mobile phones. One particularly hungry pet decided it was a good idea to eat nearly one claimant’s entire phone, whilst another diligently placed their owner's handset in the garden's birdbath. Eight-month-old puppy Scooby dropped his owner's mobile in his water bowl.

    Another major factor in causing phones to break mysteriously appears to be young children. "My grandson thought it was not right for my phone to be left out on a cold day on the kitchen table instead of being put away in its cover, so he put it in the microwave to warm it up. He set the microwave on full power for an hour but it blew up long before that, along with my Samsung Galaxy," was one customer's tale of woe.

    The younger brother of another claimant destroyed their phone with a hammer, while one germ-conscious nephew put his aunt or uncle's tablet in the washing up bowl &q...

My Interests

  • Industrial Design
  • Environmental Design
  • Communication Design
  • Fashion Design
  • Audio/Visual Design