:::: MENU ::::

DashCams To Protect Your No Claims Bonus

Car insurance is now more expensive than ever and if you are unlucky enough to be involved in an accident it can rapidly become even more expensive because you may lose your no claims bonus. If you have a full no claims bonus you may have up to seventy percent off the price and so protecting that discount is vital if you are to keep your motoring costs affordable.

no claims discounts

Luckily dashboard cameras, or dashcams as they are known, can help to protect your no claims bonus or even earn you money for very little outlay. A dashcam is a small device which attaches to your windscreen very much like a satnav does. It records your journey as you drive along and stores it on a removable SD card. In the event of an accident it offers evidence which can be used by your insurance company to decide who is at fault. It is often the case in accident situations that people deny responsibility or even blame the innocent party and a dashcam can quickly and easily prevent this happening.

There are many instances nowadays of people being involved in crash for cash incidents where someone deliberately causes an accident in order to claim compensation for injuries like whiplash. A dashcam quickly and easily shows who is responsible and so prevents the innocent party from being held responsible and losing their no claims bonus.

They are available for a very reasonable price, the Edwardes Brothers website lists their ZV002 camera for as low as £15.99 (+vat) including an 8gb SD card and all the mounts and cables necessary to get going. At that price it is possible to have two, one on the front windscreen and one on the rear. I’m sure your no claims discount is much higher than that price and so really there is no reason not to have and use one, the peace of mind it offers is worth more than the cost.

Discover The Many Joys And Benefits Of Getting Online Term Life Insurance

Getting life insurance is not as difficult as it used to be. The barriers to good life insurance have come down considerably. There was a time when rates and premiums were controlled by a small group of large insurance firms. Such firms had a monopoly on the industry and had tremendous influence on the kinds of policy that you could take out. This is no longer the case. It is now possible for you to get life insurance that fits your economic circumstances and meets your individual expectations.

Smaller, more nimble and flexible life insurance companies have sprung up all around the country. Many of these new firms have located themselves online. They have completely transformed the industry so that it is now one that caters to persons and interests of all sorts. It is just a fact that no two individuals are alike in how they live and what they want. Firms that offer life insurance must take this into account.

No matter how careful we are or how diligent we live, mortality is the one constant of human life. Everyone must pass on someday. Nothing can be done about that. However, it is possible for you to plan and to establish some security for those you leave behind. Indeed, you want your family to be safe and secure when you’re gone. You don’t want bills and other financial difficulties to threaten their material security. Having good life insurance is a good way to ensure such a future.

It is important to think about such things now while you’re healthy and in a good place to do so. They are too important to leave to the last minute. Once you’ve gotten life insurance that you can live with then you won’t be so afraid of dying.

It is important, however, to take great care in the kind of life insurance you get. You want to work with a company that will offer you the best deal for your money. You want to work with a life insurance firm that provides you with a wide range of options from which to choose. You also want to work with a firm that you know you can rely upon and trust. The best way to get all of these things is to work with a firm that has earned a reputation for delivering excellent results and world class customer service.

Fortunately, it is not that hard to find such a firm. The best place to begin your search is the worldwide web. Using the web will enable you to bring the websites of the various life insurance companies to your computer screen. There, from the comfort of your own home, you will be able to sift through the deals and packages offered by each. You will be able to get great online term life insurance quotes. Using the web makes it easy for you to find good life insurance. You will be able to get term life insurance quotes that are reasonable and fitting to your needs.

If you are looking for online term life insurance quotes or
term life insurance quotes , then you need look no further. For more information please visit our website.

Find The Reliable Mortgage Brokers In Montreal

Do you know what mortgage brokers are? Do you know how beneficial they are for you? If yes, then you will save your hardly earned money to a great extent. If you don’t know about mortgage brokers, don’t worry much about it. I am here to guide you about everything you need to know about mortgage brokers and how you can find mortgage brokers in Montreal, the second largest city of Canada.


If you are already looking for mortgage brokers in Montreal then you are reading the right post. I am going to inform you about a mortgage broker in Montreal that is “Hypothec Solutions“.


Mortgage brokers act as an intermediary between you and your financial distributors that provides loans on some basis. The mortgage brokers works best in your interest and offer highly favorable debts to you by dealing with the financial institutions. They negotiate the best terms and conditions with the financial distributors for your loans. Follow the link to know more about the service of hypothecsolutions.ca/.


Some of the programs offered by Hypothec Solutions are described in this section:

  • Purchase
  • Purchase Plus
  • Purchase with no down payment or down payment of up to 5%
  • New comers program
  • Self-Construction
  • Progressive Disbursement
  • Refinancing Programs
  • Renewal or mortgage transfers

And many others. You can have a look at the detailed list of programs offered by Hypothec Solutions by visiting their website.


This type of offer is normally called the loan alternative but Hypothec Solutions call it as Ready 2nd Chance. This offer provides a 2nd chance to the person and Multi-Prêts can help them recovering from a difficult financial situation by providing them with the mortgage alternative.

They can still qualify for the loan but as that involves much risk, therefore, the rates can be considerably higher than usual.


If you have made your mind till now to hire a mortgage broker and you are living in Montreal, then you don’t have to go anywhere as Hypothec Solutions work just in the heart of the city to provide their valuable services to the customers and clients. Enjoy their services and get the most out of them. They are always available to help you and you can call them here (514) 800- 3236.

5 Details to Check on Your Travel

If you go abroad and take out single trip travel insurance, it is always a good idea to know exactly what you are covered for in different circumstances. Sometimes you may assume you are covered for something when it fact you are not.


Here are five common things that you should double check before going overseas.

  1. The Length of Your Trip

Make sure you know exactly how many days you are covered for on your insurance policy, and ensure your trip does not go over this. You may be enjoying yourself so much that you want to stay longer, but unless you extend your insurance you won’t be covered for that period.

  1. The Maximum Limits of Cover

Most items on your policy will have a maximum limit of cover, so make sure you know what this is. This is particularly important when it comes to your personal belongings. You will usually have a total limit for all your belonging as well as a single-item limit, so know what these are in advance to avoid any problems.

  1. Any Pre-Existing Health Conditions

Make sure you’re covered on your single trip travel insurance policy for any pre-existing health conditions. You will be asked to declare these when you purchase your policy, so always tell the truth about them. If you think you may have a condition but you are unsure, it is always best to tell your insurer so that they can then decide whether to provide you with cover.

  1. Activities

Most single trip travel insurance policies will have a list of activities that you are covered for when you are away. However, these may not cover things like skiing, bungee jumping and other more risky activities. Always find out exactly what you are covered for before you go, and consider purchasing extra insurance if you want to do any activities that are not covered on your standard policy.

  1. Documentation Requirements

Many insurers will ask for certain documentation when you make a claim. For example, if your belongings are stolen, you may need to present a police report form in order to make the claim. Always check what is required before you go, and ask your insurer if you are unsure about any requirements.

Always Know the Details of Your Policy

Just because you buy a single trip travel insurance policy, do not assume that you will automatically be covered under any circumstances. Always read through the policy details before you go away so that you know what you are covered for, and if you have any questions regarding the cover, always ask your insurer before you go away.

Good Reasons to Purchase a Commercial Cleaning Service Franchise

When you are in the market to purchase a small or mid-sized business, deciding on what type of business you should buy can be a tough decision. If you have good experience of running a business, you’ll not find it difficult to make a good buying decision. But if you are a would-be entrepreneur and you’ve never run or operated a business before, you might face some difficulty in choosing a right type of business.

Fortunately, there are many great opportunities out there when it comes to franchise opportunities. In fact, would-be entrepreneurs are advised to buy a franchise because franchisors give full training on how to run a franchise. One of the best franchise opportunities includes commercial cleaning service franchise. There is a huge demand for these services. These types of franchises have gained remarkable popularity over the past few years. Here are some good reasons why you should consider purchasing a commercial cleaning service franchise.

1: Consistent Industry Growth
The commercial cleaning industry has seen tremendous consistent growth, evening during the 2008 recession period. According to careful estimates, the revenue from this industry is expected to surpass $40 billion in 2015. This is because more and more businesses are outsourcing their cleaning. In fact, they are willing to sign ongoing contracts with a well-known commercial cleaning service provider. This simply means that you can purchase a commercial cleaning franchise and be the owner of a successful business.

2: Low Startup Costs
One great reason why you should invest your money into the purchase of commercial cleaning franchise is the low startup costs. Of course there are some franchises that cost more than other franchises, but you can go for those franchises that require low startup costs, such as Jan-Pro. Jan-Pro is a reputable franchise with over 11,000 locations worldwide. For more click here:www.turnerbutler.co.uk/freebusinessvaluation.html

3: Run From Home
Some franchises allow you to run from the comfort of your home office. More and more would-be entrepreneurs are choosing the home based work opportunities. You can also own a home based commercially cleaning franchise that can save you on physical office space. You can run this business from home until you get t up and running, and when the cash flows allow it you can move into office space. Home based franchises allow you to grow your business in phases. This way, you can ensure great success because you will not be taking huge loans to keep your business afloat.

4: Proven Business Model
The commercial cleaning service franchise business is a proven business model. Companies have been successful in this industry for many years. Franchise company will give you complete training on how to run a franchise and achieve your business goals. These companies have already done all the leg work for you in terms of building brand identity and marketing. To know more please check : Turner Butler

5: Commercial Cleaning Service Industry is Stable
Small to mid-sized businesses are heavily affected by the ups and downs of the economy in terms of revenue. But if you own a commercial cleaning service franchise, you can expect a certain level of stability.