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Insurance

Online Business Directory

The following business directory lists businesses that provide a range of Insurance services including home insurance, car insurance, travel insurance, insurance brokers, life insurance and many more...
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The Business Directory Ranking Process

  • We have 3 Listing Types - (Lifetime, Premium and Free ). Our Directory system automatically ranks listings first by Membership Type....
  • To find out about Membership Types see our business advertising options.
  • All Listings are then prioritised using a 'Ratings & Review Score'.  We believe Star Ratings and Reviews from customers or suppliers fairly measure the trustworthiness and dependability of a company.
  • Listings with Reviews are automatically listed above listings with No Reviews.
  • In other words, businesses with Reviews are shown at the top of the page (within their Business Category and within their Membership Type) and thus enjoy the highest Click Through Rates from visitors to the Directory
  • If two listings (in the same Category) have an Identical Rating Score, the business listing with the Most Reviews will rank higher than the Business with fewer reviews.
  • Other companies with No Reviews are then ordered by 'Most Recently Submitted' to the Directory.
  • The owners of these newly listed organisations may not have had a chance to ask their customers or suppliers to post a positive review yet.
  • In summary, the Overall Star Rating Score for each rated Business is calculated using a combination of the Total Number of Reviews combined with the Average Numeric Score of all Rated Reviews for that listing.
  • Share Your Views: if you have already enjoyed a good experience when dealing with an organisation shown on this website, please click on their Business Name to see their Company Webpage...  then click/ hit the Write a Review button
One of the UK's best loved insurance comparison sites with over 40 years' experience. Everything from car to van insurance....
We have been in the insurance industry for over 40 years and it's this experience along with our excellent skills in negotiation, that mean we can offer you highly competitive insurance rates for home insurance, car insurance, travel insurance and more...
The Business offers general insurance market intelligence, auditing, expert witness, business process and training services aimed at customers in the United Kingdom and Ireland...
Ours is a family insurance business and has always been about understanding the needs of our clients. As well as church and charity insurance, we also offer commercial insurance to a wide range industries....
L Wood & Co Ltd offers an innovative, professional and highly personalised approach to the insurance and risk management needs of businesses throughout the UK....
Bridgemark Insurance is your one choice for insurance companies in the Bakersfield CA area. Our company offers services in auto insurance, property insurance, health insurance and business insurance to allow you to protect your most precious assets and loved ones. ..
Competitively priced, specialised car and van insurance for harder to cover drivers. Claims, convictions & high risk post-codes...
Affordable insurance quotes for non-standard drivers and cars: drivers with claims or convictions, high performance cars, modified or imported vehicles etc.
Reviewing your health insurance policy is free and impartial. We put you in touch with a specialist to ensure peace of mind knowing you are not overpaying. For the chance to enhance your cover and reduce your premium call us....
We are insurance brokers offering advice on commercial insurance, property owners insurance, liability insurance, business and tradesman insurance, fleet and commercial vehicle insurance, pubs and restaurant insurance and household insurance...
Aon Private Clients is a service providing insurance for high value homes, valuables and contents insurance...
Providing you with the best cover to suit your requirements at the most competitive price...
Safeonline is a specialist Lloyds broker that is at the cutting edge of digital risk management. Recognised as a leader in the provision of cyber and technology insurances...
Cherry and Griffiths are loss assessors and claims consultants serving Manchester and the North West UK who help their clients obtain a full and fair settlement to their insurance claim as a result of losses incurred from fires and Flood....
Cherry and Griffiths are loss assessors and claims consultants serving Accrington, Blackburn, Burnley, Colne, Preston, Lancaster and the whole of Lancashire. We help clients obtain a full and fair settlement to their insurance claim as a result of losses.....
Car Insurance North Edmonton - State Farm Insurance. Agent Kyle Houston is a Certified Management Accountant....
We are a comparison site that specialises in life insurance, business insurance, home insurance, wills and mortgages....
EIS Financial & Insurance services is your local independent full service agency for personal and business.....
Medical Insurance Consultants provide specialist insurance policies for a range of medical professionals and workers in the healthcare sector, including for doctors, surgeons, consultants, dentists and vets.....
Aon is the leading global provider of risk management services, insurance and reinsurance brokerage and human capital consulting...

Overview of the Insurance Industry

Insurance is designed to protect people, homes, businesses and countries from the impact of risks, should they occur. For the majority of us we come face to face with the need to have insurance on a frequent basis when we do everyday things, like drive a car, take our pet to the vets, travel abroad, visit a doctor or hospital. Less frequent activities or large purchases, (such as buying a house, boat or expensive watch also mean taking out some form of insurance policy).

For a general insurance premium, insurance companies can provide insurance cover to your home or car for example, should disaster befall it. Of course, there are conditions built into the policies for general insurance, and insurance claims are only paid out to policyholders when those conditions have been adhered to by the policyholder. In some cases, insurance is compulsory, (for example in most countries car insurance is compulsory). Driving without valid insurance is against the law. This is to protect other road users, pedestrians, other people’s property and passengers of the car in question. Mortgage companies are unlikely to approve a mortgage application without evidence of a valid building insurance policy to cover a rebuilding cost should a disaster occur. Personal lines insurance is extremely fluid and competitive and in the current economic climate as consumers cut back. The growth of insurance comparison sites may have fuelled this competition further, making it easier for us to shop around for our general insurance needs.

The global insurance industry is impacted by a combination of factors including Global productive output, Global weather and natural disasters. For example, the sovereign debt crisis in the Euro zone means investment in insurance companies and re-insurance rates have fluctuated unpredictably. The macroeconomic environment has seen an impact on both non life and insurance and life insurance premiums. According to the Global Insurance Market Trends 2012 paper by the OECD, in more than half of the OECD reporting countries, real growth in life insurance premiums has reversed. Whereas in the non-life insurance market, more than half of the reporting countries saw an increase in real premium growth.

Recent events influencing non life insurance premiums, include many natural disasters and catastrophic events, which have meant that insurance companies have had to increase premiums in the non life insurance sector. The devastating effects of natural disasters such as floods, earthquakes and tornados seen in Thailand, Australia and the USA have contributed to a need to increase renewal premiums. The cost of insurance claims after a major disaster can be an enormous burden on this sector of the financial services industry. Whilst in principle, insurance operates on the basis that the pool of the many, pay for the claims of the few, catastrophic events such as those mentioned have such a far reaching impact that often insurance companies have no alternative but to increase premiums in many future years to come. Insurance companies will purchase reinsurance protection. however reinsurance companies have had to increase their premiums which has a knock on impact to insurance companies, then intermediaries and policy holders premiums.

Regulations and Legislation also impact the insurance industry. For example, the EU insurance gender equality rules of 2012, mean that insurance companies operating within the EU’s jurisdiction cannot use gender as a factor for rating policies. For example, gender was historically used to rate motor insurance, where actuaries statistics revealed women drivers had fewer accidents than men, and therefore premiums for women drivers were generally lower than men's. Despite this new gender based legislation may ironically see women pay more for their car insurance premiums within EU countries.

In difficult economic conditions, life insurance companies are often hit with people surrendering their policies. Some policies have no surrender value and policy holders need to balance the continued cost of paying into the policy.

Income insurance provides insurance against redundancy and not being able to find employment and/or not being able to work due to sickness or injury. The nature of income protection policies is to provide financial assistance when the policyholder loses their source of income. Like most insurance policies there are conditions and limits that have to be met by the policyholder and insurance company.

Commercial insurance provides insurance cover for property or liability risks and is extremely important form of insurance to ensure that when insurable incidents do happen, a business can continue trading. For small to medium enterprises, the impact on cashflow when disaster strikes can be devastating and in many cases make a business fold. Employers liability insurance is compulsory in the UK, and other forms of liability insurance are advisable. Regulated and qualified advice from a qualified insurance broker should always be sought when seeking commercial or any type of insurance, to ensure that the right levels of cover are obtained that meets businesses needs.


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