Interesting articles about insurance

Travel Insurance is needed for various risks that could occur when  traveling.

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Travel Insurance covers your travel baggage

Travel insurance is insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one’s own country, or internationally. Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a “multi-trip” policy can cover an unlimited number of trips within a set time frame. Coverage of travel insurance varies, and can be purchased to include higher risk items such as “winter sports” when you might go skiing.

Travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include concierge services and emergency travel assistance.

Risks covered by Travel Insurance

  • Medical emergency in the case of an accident or sickness.
  • Emergency evacuation when the traveler needs spesialized care.
  • Repatriation of remains in case of death.
  • Return of a minor.
  • Trip cancellation.
  • Trip interruption.
  • Accidental death, injury or disablement benefit.
  • Overseas funeral expenses.
  • Lost, stolen or damaged baggage, personal effects or travel documents.
  • Delayed baggage and emergency replacement of essential items.
  • Flight connection missed due to airline schedule.
  • Travel delays due to weather.


Optional Travel Insurance coverage

Some travel insurance policies will also provide cover for additional costs, although these vary widely between providers.

Added to travel insurance, separate insurance can be purchased for specific costs such as:

  • Pre-existing conditions (e.g. asthma, diabetes)
  • Sports with an element of risk (e.g. skiing, scuba diving)
  • Travel to high risk countries (e.g. due to war, natural disasters or acts of terrorism)
  • Additional Accidental Death and Dismemberment coverage
  • 3rd party supplier insolvency (e.g. the hotel or airline to which you made non-refundable pre-payments has gone into administration)


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Travel Insurance covers your travel accessories

Travel Insurance exclusions

  • Pre-existing medical conditions
  • War or terrorism – but some plans may cover this risk, and some do cover for acts of terrorism
  • Injury or illness caused by alcohol or drug use

Usually, travel insurance cover pregnancy related expenses, if the travel occurs within the first trimester. After that, travel insurance coverage varies from insurer to insurer.



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Home Safety Tips

The main way to provide home safety is by installing a security system.

Equipping your residence with a home security system, adds value. But you can do more! A few simple home safety tips will protect you against threats like burglary, intrusion and fire and will give an added sense of protection. Get peace of mind with this easy-to-follow and out of the ordinary home safety tips.


General Home Safety and Security

  • Create the illusion that someone is at home if you’re away for an extended period of time by leaving a TV or stereo on in a room where a burglar would most likely break in.
  • Display yard signs and window decals of your security company, as they are a good deterrence to potential burglars and could provide extra home safety.
  • Burglar-proof your glass patio doors by setting a pipe or metal bar in the middle bottom track of the door slide. The pipe should be the same length as the track.
  • For home safety against intruders, keep garage doors closed to prohibit access to a door that leads directly into your home.
  • Keep drapes and blinds shut in rooms where there is expensive equipment.
  • Adjust your telephone ring to its lowest volume setting, if you’re going to be away from home for a few days. An unanswered phone may jeopardize your home safety.
  • Never cancel delivery of mail or news papers. You don’t know who will get that information.


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Home Safety tips may keep you safe


Home Safety: Fire Prevention

  • When buying or building a home, ensure home safety with fire resistant roofing materials.
  • Never leave candles or other open flames burning unattended.
  • Douse cigarette and cigar butts with water before dumping them in the trash.
  • To regularly clear dry or dead vegetation in your yard or areas near your home, will provide home safety.
  • Store firewood and other combustibles away from your home.
  • To assure home safety, test smoke alarms monthly and replace the batteries once a year.
  • Don’t have deadbolts that lock with an inside key. You need to get out fast if a fire starts.
  • Be sure your street address is visibly posted so that firefighters can identify your home in the event of an emergency.




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Pedestrian Safety





Safety is a shared responsibility for all road users, including drivers and pedestrians.

The following are some tips to improve road safety for everyone.

Be seen and be safe:

  • Wear bright/light colored clothing and reflective materials to be visible to other road users.
  • Carry a flashlight when walking at night.
  • Cross in a well-lit area at night.
  • Stand clear of buses, hedges, parked cars or other obstacles before crossing so drivers can see you.

Be smart and alert:

  • Always walk on the sidewalk; if there is no sidewalk, walk facing traffic.
  • Stay sober; walking while impaired increases your chance of being struck.
  • Don’t assume vehicles will stop; make eye contact with drivers, don’t just look at the vehicle. If a driver is on a cell phone, they may not be paying enough attention to drive safely.
  • Don’t rely solely on pedestrian signals; look before you cross the road.
  • Be alert to engine noise or backup lights on cars when in parking lots and near on-street parking spaces.

Be safe at crossings:

  • Cross streets at marked pedestrian crosswalks or intersections, if possible.
  • Obey traffic signals for pedestrians, such as WALK/DON’T WALK signs.
  • Look left, right, and left again before you cross a street.
  • Watch ou for turning vehicles; make sure the driver sees you and will stop for you.
  • Look across ALL lanes you need to cross and visually clear each lane before proceeding. Just because one motorist stops, do not presume drivers in other lanes can see you and will stop for you.
  • Do not wear headphones or talk on a cell phone while crossing.


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Child Pedestrian Safety






Child pedestrian safety

Children should not cross streets by themselves or be allowed to play or walk near traffic. Kids are small, unpredictable, and cannot judge vehicle distances and speeds to keep safe.

  • Always hold your child’s hand. Never allow a child under 10 to cross the street alone.
  • If your view of approaching traffic is blocked by something, move to where you can hold your child’s hand.
  • As children get older, let them lead you to prove that they are aware of pedestrian safety, before you allow them to walk on their own.