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Who wastes time like this?

I came home form work the last Thursday and Friday to a full answering machine with messages for a person named Julian Sweet (I don’t know who that is and his name is nowhere near my name). “Julian” apparently was online early Thursday and made MANY online requests for various services – home based businesses, auto/home/health insurance, travel packages, etc. and left my phone number in the request. We’re talking hundreds of requests. In the last three days I have had over 90 phone calls from different businesses seeking “Julian.” Today I started receiving mail for “Julian”. One of the items was for a new home owner’s insurance policy quote – and based upon the details in the proposal, this person knew my address, the year the home was built, a correct value, when the wiring was last checked… the whole nine yards.

Aside from being irritating and annoying, should I be worried about this? A friend of mine said that there are people who can with “one click” enter my information online and it is sent to hundreds of companies and it will look like I want their services. Is this true? And does anyone know how to make this stop, aside from changing my phone number and moving?

Thanks for your help…
I have lived at this address and had this phone number for ten years. I tried to think if there was anyone I had angered recently but I am drawing a blank. I don’t really have “enemies”… it’s crazy.

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Private versus Business Car Insurance: What Do I Need?

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Home Page > Home and Family > Private versus Business Car Insurance: What Do I Need?

Private versus Business Car Insurance: What Do I Need?

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Posted: May 10, 2010 |Comments: 0
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Things aren’t always black and white in this crazy world! Even the simplest things can get a little complex – and that includes your car insurance. What defines private or business use can get a little blurry, as most would know. It is actually rather unusual to have a car that is used purely for commuting to work, and never for work related tasks! Today we are looking at a few different scenarios that may match, or nearly match, yours, and whether private or business use applies to them. We’ll also look at why you should run a mile from car insurance companies that ask you nothing more than “Is this car ever used for business purposes?”! So, what if…

I’m a tradie and use my car to go from job to job
This scenario is fairly clear-cut. You’ll normally be carrying tools that are used in the regular course of your business, possibly carrying other people’s goods and supplies, and generally doing plenty of driving during the day. These activities indicate business use and you’ll definitely need to indicate this on your car insurance quote form.

I’m a caterer and use my van for private use as well as carrying supplies
In cases where the car is used for both private and business use, the business use prevails over the private. This is because business use is seen to carry greater risk than purely private work.

I use my personal car to travel to meetings during work hours
In this case, you may need to indicate business use. It will usually depend upon the number of times you are required to attend these meetings using your car. However, if you change jobs (or even change roles within your company) and going to meetings in your car is no longer a requirement, get in touch with your car insurance agency – you should be able to get a significant discount.

I run small office errands in my own car
If you only ever do these errands when you or on the way to, or home from, work, you may be able to simply state ‘Private – commuting to work only’ on your car insurance quote form. You would need to ensure that you keep the errands to those specified times, however.

I use my car for delivering my business goods to customers
This is another clear-cut case where business use must be specified. When you are carrying other people’s goods, there is the possibility of an extra liability in a crash, and your car insurance would have to be adjusted accordingly for that.

Why should I appreciate being asked about my personal life on a car insurance quote?!
Well, it depends what the nature of the question is! Nobody needs to know whether you like to dog-ear your books or use a bookmark … but car insurance companies that ask more specific questions about how you use your car are actually saving you money, in most cases.

You can see from the scenarios above that there is a huge variance in the profile of a ‘business’ user, from someone driving all day, every day, to someone that might only go to one meeting a week in their own car. The heavier car users obviously have greater risk … yet if all business users are lumped together, then light users are paying for someone else’s risk. Doesn’t seem fair, does it?! That’s why informative personal questions are actually a good thing – at least when they come on a car insurance quote form.

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Hugo Schreuder -
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Youi offers tailor-made car insurance that could save you lots of money. At Youi we ask the right questions so that you don’t pay for car insurance you don’t need. You interested? Go to youi.com.au for a smarter way of doing Car Insurance.

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car insurance, car insurance quotes, home insurance, contents insurance, insurance, cheap car insurance

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Home Business Insurance

There are so many things that you have to consider when you own a home business. Insurance might be something that you do not even want to think about. However, remember that with a home business, as with any business, you are dealing with things that might go wrong and insurance might end up being something you wish that you had, even if you do not. The first kind of home business insurance that you should think about is insuring the things that you have in your home business office.

This should be insurance that is different from home insurance, because you want to insure your business separately. This means that if something happens to your home, you will get money on your belongings from your home insurance but you can get other money on your office supplies from your business insurance. It is very important to do this because often there is a cap on the money that you can get if something happens to your home and often when you run a home business from your home you have more in supplies than you would in your home.

Remember that if you are keeping your home business in your home, it is very important that everything is insured. Incase of a house fire you could not only lose everything that you own but you could lose your business as well. This means that you can be left with nothing. So it is very important to make sure everything is insured. If you have employees, another thing to consider is insuring them as well. You never know when an accident might happen on your property and if it happens during your work day you might find your business in trouble.

It is always a good idea to have insurance, no matter how unnecessary it might seem, because if something were to happen at your home business, you could suddenly find that you owe much more than you could ever pay out of your pocket. Also remember that you should be very careful about what insurance you get for your business.

It might be tempting to go somewhere and let someone decide for you what you need but it is easy to get ripped off this way, so you have to be sure that you are reading all of the fine print and doing whatever you can to be involved and to decide what you need and what you do not need. Remember that not only is your home business your livelihood but it is something that you want to be able to pass on to your children and something that you want to do for a long time. You can not afford to have to give it up just because you did not have insurance to cover something. Always be sure that you are insured for anything that might happen and think ahead.

Obinna Heche. Los Angeles – California

Delivering the best home based business ideas and
opportunities so you can work at home successfully..
http://www.homeincomeportal.com/obhmy365

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Tips on Building Insurance Quote

Contents insurance offers safety for your belongings in events for instance burglary, vandalism, fire and further qualified events that can destroy the contents of your residence – or damage them totally. You can go for insurance in line with the level of security you need for various possessions. Other than travel insurance quotes, {extended|extensive|safety is also accessible, and you can obtain small business insurance quote for exceptional expensive things as well.

Your building insurance policy can defend you from destruction instigated by several distinct kinds of disasters and events. Companies mostly supply cover in relation to the type of events with respect your residential place. The cover is available for damage to the contents at the time they are in your home. Nevertheless, many companies too give cover for particular things out of your home. This kind of insurance may be provided depending on which company you have your building insurance with.

Besides travel insurance quotes, you can too get buildings insurance. The greatest merit of having small business insurance quote and building Insurance is that it gives you relaxation, and saves you from tension and expenditure in case of damage to the contents or the building. Getting a contents insurance quote is easy, and can be performed simply online. Prior to settling on an insurance company, for all time look through for various quotes and covers. You can as well get a mixture of contents insurance and buildings insurance both in the same plan, which offers you extra cover at a price lower than what it would be if both were purchased separately. A dealer would be ready to obtain a deal with your buy of both policies jointly. One opportunity to think if you are an elderly citizen is above 50s home insurance. The cause for providing above 50s home insurance is the recognition of the needs of the elder age group, because the contents of their houses are distinctive in nature and contain different safety requirements. Above 50s home insurers regularly give several discounts for senior people as they are statistically more cautious with their belongings.

Besides obtaining the small business insurance quote, it is important to make sure that your home is safe. For this objective you can install movement-sensitive lighting, window alarms, security alarms, and take on additional precautions. Insurance companies time and again give price cuts once you have installed these security devices and alarm systems.

In the event of making a claim, you should make certain the estimates for reinstallation are correctly calculated. While buying insurance, you should always inspect the soundness of the cover for the contents in case they are not there in your home. Whether you are using buildings insurance, contents insurance, or home insurance you should make sure that you tell the insurance company if you are {letting out|giving out|giving off] your residence with the contents. This is because giving off raises the chance on the insurer’s part, and the company might desire to add to the premiums. In case the company is not reported, your policy could be declared invalid.

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Online Home Insurance Quote

A home insurance policy is a financial arrangement whereby all of your household possessions located in your home are protected against loss, theft or damage. If you won your property, you may be offered a joint home insurance policy that covers both the building and the contents as well although this may not be worth it if you rent accommodation.

Whilst you are searching for the ideal house insurance, it would be worthwhile spending some time going around your home making up a written inventory of all your most important possessions. Whilst you are carrying out this inventory, why not make a camcorder recording of all your rooms, paying special attention to personal and costly possessions, or use a still camera if you do not own a camcorder. Combined with the written inventory, this makes an excellent record of your home and property. Many people forget to keep there home insurance inventory current though and neglect adding new possessions to the list as well as taking photos accompany that list.

Hundreds of providers now offer their own unique home insurance quotes online, so before settling on the one you would like to take out, be sure to obtain a few home insurance quotes so that you can compare prices. The advantage of getting an instant online home insurance quote is that insurance quotes from major companies are brought to your computer screen in a matter of few seconds. Online home insurance are usually less expensive since overheads are cut from the picture the companies’ can offer lower premiums and insurance rates. You should not just look into the value of quotes, but also the reputation of the insurance company before you make your final decision.

Your home insurance policy will come with a sum insured value which is the total amount the insurance company will settle with you if there is a claim for complete loss etc. Many home insurance companies work out this sum automatically for you so you do not have to physically assess the cost of a complete loss yourself. Some home insurance companies are more diligent and may make a physical examination of your home or specifically request an amount of cover from you and then calculate how much it will cost from the figures you supply. Having the correct insurance level is more important than just a low premium and this approach may better suit those home owners who have higher value possessions and do not want to end up with a sum assured that does not meet the needs of replacing their property.

Although the contents of your home may all be important to you, remember your home insurance will not always cover all of your possessions. Many people who work from home are caught out by this as business equipment is not usually covered automatically. A home owner may also discover that expensive items such as electronic equipment and jewelry that are costly to replace are not automatically inserted into the home insurance policy so it may be necessary to add these items at an extra cost. However, ultimately it is your responsibility to check out which possessions are covered by the policies that you are considering before you make a final decision.

Keith Mallinson BscHons Provides Information on home insurance, what it is, how to find affordable home care insurance and where to find the best home insurance online quote.

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Home Insurance Quote – Homeowners Beware Of Online Insurance Scams!

Today, the Web is infested with identity thieves who set up sites to lure you with the promise of “no fees” home insurance quotes. However, what they are really after is your identity!

Your online search for real home insurance quotes will be no picnic and by the way, your offline search will Read the rest of this entry »

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