My Insurance Guide

Insurance

2009-10-14T12:22:00.000-07:00

Today we launched out new blog which we are really excited about. You can read informal and funny information about the NZ insurance industry. In addition to this, we have launched a new site about wall panels and another insurance website called http://www.bayinsurehb.org.nz

Motorcycle Insurance

2009-06-13T15:28:00.000-07:00

Motorcycle insurance is no different to any other insurance policy; it protects you against the risk of financial loss. Like car insurance, motorcycle insurance can be brought in two ways, comprehensive or third-party cover. As you could imagine, third-party motorbike insurance is a little cheaper however, it won't get you a new bike should be have an accident.

Seriously consider purchasing comprehensive cover. The damage sustained to a bike at low speeds is much more than what a car would incur at the same speed. As with most insurance policies, risk is the primary reasons that insurance premiums are high. If you can reduce risk, it's likely your insurance company may reward you with a discount. Keep you bike stored in a garage or under cover off the road.

How to Negotiate Cheap Insurance

2009-04-08T02:01:00.000-07:00

With household expenses still high and tough economic conditions making job security uncertain, monthly insurance payments can appear to be an expensive luxury. But think again!

Insurance is an intangible product. This means the benefits of an insurance policy aren’t realised until we make a claim and have it accepted. During tough economic times, families often cancel their insurance polices in order to save money. The repercussions of this can be very serious and may leave families in financial strife. In this article we discus several ways a policy holder can reduce their monthly insurance costs.

Ask you current provider whether there is anything you can do to reduce risk. This applies to any type of insurance policy including house, car or health. Insurance premiums are based on risk. If you can reduce the probability of a fire, burglary or an
accident, insurance companies will often reduce your monthly insurance premiums.

Pay a higher excess as most insurance providers will reduce the monthly premium charges. You must have money readily available should an accident occur. An excess is the amount you pay toward the replacement or repair cost.

Ring around different suppliers and obtain at least three quotes. This can be time consuming however, there are great insurance websites available that can help you obtain multiple quotes quickly and easily.

Ensure you declare everything on the application. An insurance policy is a contract and therefore can only be broken if it is proven that you lied on your application form. It’s not worth the risk as it is often very difficult of obtain any form of insurance cover once you are convicted of insurance fraud.

Pay you insurance premiums annually. This will reduce the administration costs for the insurance company which, in return, will generally reward you with lower insurance premiums.

Ask prospective insurance companies whether any additional discounts are available. Often senior citizen discounts are available. You could also investigate to see whether your employer is able to receive discounts.

The information provided above could save you hundreds maybe thousands of dollars every year in insurance premiums. Talk to you insurance provider now and start to save money!

Isreal Hartley is the director of www.my-insurance-guide.co.nz an insurance website filled with useful insurance information and tools to help New Zealanders buy insurance . Visitors can obtain information of insurance premiums, read tips on saving on insurance and how to negotiate cheap insurance. Find the best insurance company now!

New Site Helps Kiwis Save on Insurance

2009-04-03T13:19:00.000-07:00

My Insurance Guide is proud to announce the launch of the first website dedicated to helping New Zealanders get a better deal on their insurance. The new website reveals industry secrets and tools to help consumers obtain a better deal on their insurance.
My Insurance Guide comes at an important time as the tough economic conditions force many families to consider reducing or canceling their insurance policies . Ian Foy, chief executive of IAG - which incorporates State and NZI insurance – told the NZ Herald that the group already had customers querying their policies and cutting back.

"There's no doubt the customers have noticed the economy. We are finding people are talking about price a lot more than they used to."

Insurance broker Peter Chote also told the NZ Herald that his firm was seeing a rise in insurance cancellations, and people trying to restructure. "The questions that we are getting from clients now are different from what they were 12 months ago."

Prospective buyers or existing policy holders have access to over 100 articles on a selection of insurance topics. My Insurance Guide Director Isreal Hartley said “People love the site because it allows them to obtain quotes from multiple providers quickly and easily. This combined with money saving tips are helping people put a little extra cash back in their pockets.”

My Insurance Guide supplies guides on nine popular insurance categories. Visitors can read frequently asked questions, information checklists and insurance descriptions for car, boat, health, life, travel, motorcycle, home, commercial and caravan and trailer insurance.

The site was launched on April 1st and is one of the most comprehensive insurance websites in New Zealander. The site took approximately four months to develop and has been optimised to receive traffic from people searching for insurance online .

The My Insurance Guide website provides:

Informative guides on car, life, travel, health, boat, motorcycle, caravan & trailer, commercial, home & contents insurance

Insurance secrets to help save money on monthly insurance premiums

Answers to Frequently asked questions for nine insurance policies

Resources and helpful link on consumer rights when buying insurance

Information to help consumers understand their policy

Letter templates to help settle claims

A glossary of industry terms and frequently used words

A quote wizard that provides quotes from multiple insurance companies and brokers saving time and effort.

For more information about My Insurance Guide, visit www.my-insurance-guide.co.nz

My Insurance Guide - Finding a Credible Review Site

2009-04-03T00:19:00.001-07:00

Have you been searching for insurance company reviews, but can only find manufactured drivel? The secret is in the keywords you use to search.

Buying insurance cover is an arduous task at the best of times. Finding a credible review website is almost as impossible! With deep pockets and teams of loyal web designers at their beckon call, insurance companies have no problem manufacturing believable review websites to deceive unsuspecting searchers.

What does a phony review website look like? How do you find a review site that is trustworthy and honest? The answer is to search using the correct “keywords.”
Keywords are those related terms you frantically stuff into a search bar with the hope of getting a reasonably accurate result back. The problem is everyone searches using the same common terms. Keywords such as: “Best insurance companies ,” “Insurance reviews ” and “Insurance comparisons ” are all incorporated into to websites of insurance providers. They pay huge money to rank high on these keywords and only supply you with information they want you to read.

When you’re next searching for credible review sites, try using the name of the provider and a selection of negative keywords. This will reveal the feedback you’re looking for. Insurance companies pretty much dominate the top keywords but they have no desire to optimise their site for negative keywords.

Use the following negative keywords plus the insurance provider’s name:

Company XYZ + “Claim problem”
Company XYZ + “are the worst insurance company”
Company XYZ + “Bad customer service”
Company XYZ + “Rip off”
Company XYZ + “Never pay out”
“Never buy insurance from” + Company XYZ

Finding credible insurance review sites is easy once you know the how. This strategy can be used to find genuine review sites for anything; investment companies, hotels or even airlines. Search engines can be very useful tools; you just need to know how to ask the right questions.

About the Author:

Isreal Hartley is the director of http://www.my-insurance-guide.co.nz/ an insurance website filled with useful insurance information and tools to help New Zealanders buy insurance. Visitors can obtain insurance quotes, read tips on saving on insurance and how to negotiate cheap insurance. Search for the best insurance companies now!

Isreal Hartley is the director of My Insurance Guide an insurance website filled with useful insurance information and tools to help New Zealanders buy insurance . Visitors can obtain insurance quotes, read tips on saving on insurance and how to negotiate cheap insurance. Visit www.My-Insurance-Guide.co.nz today!