Quantum Chill

The buzz words on the lips of everyone this Summer will be Quantum Chill, a business deeply entrenched in preparations for the launch of their range of scientific cooling performance apparel. Quantum Chill’s Ambassador Mick Doohan, 5 time GP World Champion says “If you’re an active person, whether it be motorsport or otherwise, Quantum Chill have scientific cooling products to assist in keeping your coretemperature down and your risk of heat stress low. Injury, poor performance and even death can occur through incidence of intense heat stress. Sports people understand that to dominate in your area of expertise, you need a competitive advantage and these products provide that.

Car Insurance Policy

How to Prevent Your Car Insurance Policy from Lapsing

If your car insurance policy lapses, you have a lot of things to worry about. For example, you could face legal trouble if you get caught driving a vehicle that is not properly covered by insurance, and you might have to worry about fees and fines. Plus, if you do happen to get in an accident, your vehicle will not be covered.

Since there are so many issues that go along with letting your car insurance lapse, it is important to do what you can to prevent this from happening. Fortunately, following these tips can help.

Be Aware of Your Payment Due Dates and Policy End Date

First of all, it is critical for you to be aware of both your payment due dates and your policy end date. For example, you may want to write these things on your calendar or save them in your smartphone. Then, you can ensure that you make your car insurance payments like you are supposed to and that you take any necessary steps when it’s time to renew your policy.

Call if You Have Questions

If you are unsure about what is going on with your car insurance policy, you should not just ignore the situation. Instead, you should call your car insurance company to make sure that your policy is in good standing and to take any action that might be required.

Consider Signing Up for Automatic Payments

If you have not yet signed up for automatic payments with your car insurance company, you may want to think about doing so. This can help you avoid missing a payment and can make things a lot more convenient for you as well.

It is important to be aware of the repercussions that can go along with allowing your car insurance policy to lapse. Luckily, if you follow the above-mentioned tips, you can help ensure that this does not happen so that you can avoid these problems.

Car Insurance

Home Insurance

Home Insurance

Types of Insurance
There are many different types of homeowner’s insurances that have specific parameters that apply to the type of structure it is. These include policies for condos, mobile homes and older houses. Your coverage can also be as comprehensive or as basic as you prefer, and you can pick and choose exactly what your policy covers. General types of home insurance include:

  • Dwelling – for the home itself and other freestanding structures
  • Contents – for your personal belongings
  • Liability – protection for you in case of damages to others

What Does It Cover?
The primary purpose of a home insurance policy is to cover damage to your home’s structure. The policy pays for the cost to rebuild your home from the ground up, including electrical wiring, plumbing and heating. It also includes coverage for other components on your property with percentage limits typically applied including:
Freestanding structures outside your house, including a shed and fencing.
Your personal belongings – reimburses you for the cost to replace personal items that are damaged or destroyed because of theft, fire, or some other type of loss.
Loss of Use, which covers personal expenses you would incur if you couldn’t live in your home due to damages.

home insurance

Liability Coverage
There is also a liability coverage portion, which protects your assets and finances in case someone sues you for damages or injuries that you are found to be at fault for to someone else. This may also include medical bills that another person has because of something that happened on your property.

Homeowners insurance does not cover earthquakes or floods – you need to buy separate policies for those if you want those coverages. Basic homeowners insurance protects you from the following perils:

  • Fire and/or Smoke
  • Explosions
  • Lightning
  • Hail/Windstorms
  • Vandalism
  • Damage from Vehicles
  • Damage from Aircraft
  • Riots and civil commotion
  • Volcanic Eruption

Individual home insurance policies will differ among insurance companies. It’s a good idea to check with your insurance agent to find out exact rates, coverage limits, deductibles and policy types.