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Excluded Driver

12 February, 2010

Many people confuse having a person removed from a policy and getting what is called an excluded driver endorsement.  When someone is removed from a policy it is usually because they have left the household and no longer have access to the policy vehicles.  An excluded driver endorsement is a little bit different.  When an individual gets this endorsement, they are telling their insurance company that in no way should this person be covered if there is damage to the vehicle.   This endorsement is available as a cost-saving measure to avoid having to pay for a household member who will not be driving the insured vehicle(s). 

Why would you need an excluded driver endorsement?  A policy owner may wish to apply this endorsement on a named driver because of some of the following issues related to the driver:

  • They have a suspended license.
  • They have a DUI conviction.
  • They are problematic drivers.

Other than a driver with a problematic history in the home, a policy owner may wish to exclude all drivers other than the primary driver(s) to reduce their premium.  While this may save the policy owner money, they will have to consider that if there is an emergency need for the car and the policy holder is not able to drive, and the excluded driver has to do so, they still will not be covered in the event of an accident.

When is the best time to travel to Ireland?

12 February, 2010

Ireland is known as one of the greenest, most beautiful places in the world to visit. It is a country chock full of history, culture, and plenty of things to see including ancient castles and its beautiful coastline. If you’re interested in traveling to Ireland, it is important to know when the best times to visit are so you can have an enjoyable trip. Summer time is perhaps the most popular time to visit, mostly because the country is rife with stunning beauty. Everything is in bloom, temperatures are mild, and there is plenty to do. A light sweater might be needed at night, but nothing too heavy. D

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Child Insurance: The Biggest Player In Insurance

10 February, 2010

What’s the latest buzzword in life insurance? Yes, it’s child insurance.

In 2008-09, almost a fifth, or almost Rs 18,000 crore, of the new business premium income came from child plans. Insurers expect that growth of this segment will be faster than the industry average.

Poonam Dosi, head, product and customer management, InsuranceMall, told: “Now parents are very concerned about a child’s education and protection. Above a

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Air New Zealand to offer beds in economy class

9 February, 2010

Air New Zealand is to offer passengers beds in economy class on some flights later this year and has designed what it calls a Skycouch.

The beds, which are formed by footrests and consist of blanket and pillows, will be available on the airline’s new fleet of Boeing 777-300. They will be big enough for a couple or a couple with a small child and will take the space of three normal economy class seats and cost two seats at standard prices and a third at half price.

The airline says the couches and a general makeover of the cabins in the new planes is aimed at revitalising long haul travel. Read full post…

Do you need a passport to travel to Mexico City?

6 February, 2010

Mexico City is one of the most popular travel destinations for Americans because it is a wonderful city with numerous great attractions. In order to have a safe and hassle-free trip, it is important for American travelers to find out about the travel documents required to gain entry into Mexico City.

In the past, only Americans who are traveling to Mexico City by air needed to have a passport. Those who are traveling by land or sea only needed to show their driver’s licenses or birth certificates. A

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