In our final part we look at a few more ideas to help you through the 'credit crunch'. This week we examine insurances and loans and look at the importance of your credit report.
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Part 3 - How To Survive The 'Credit Crunch'
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INSURANCE
Insurance comes in many guises and is a costly necessity that few of us can avoid if we want to protect ourselves, loved ones and property. However, with a little bit of time and effort you really can get those premiums down and keep a bit more cash in your pocket. Here we look at the main types of insurance but the same basic principles apply to most types of insurance;
- Motor Insurance - As well as shopping around for cover it's crucial that you make sure your policy meets your needs. Here are a few tips that may help reduce your premium
- Experiment with different excesses. A higher excess (the amount you will have to pay if you make a claim) will reduce your premium but remember, if you do need to claim, the insurance company will not cover the excess.
- Park off the road or in a garage - If you can get your car on a driveway or in a garage overnight you could reduce your premium.
- Consider Third Party Fire & Theft - If your car is of low value then you might want to consider TPFT insurance rather than comprehensive. This will reduce your premium but remember if you are in an accident which is your fault you will not be able to claim for damage to your vehicle.
- Pay the Premium Annually - You will usually pay extra if you choose to pay your premium monthly rather than in a lump sum.
- Buy online - You can often make a saving by cutting out your broker and buying online and what's more you can compare most of the market with just one search.
Continued....
Compare Car Insurance Prices >>>
Compare Life Insurance Prices>>>
Compare Home Insurance Prices>>>
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Compare & Buy
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| Loans |
Compare the market to find the best loan deal
Go >>> |
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American Express Platinum MoneyBack Credit Card
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Typical 18.9% APR variable. Time to treat yourself. Enjoy up to 5% MoneyBack with The American Express Platinum MoneyBack Credit Card. |
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spotlight on...
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credit cards |
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MBNA Platinum
- Typical 15.9% APR variable
- 0% on balance transfers until May 2009 (2.9% handling fee applies)
- 0% on purchases until July 2008
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Barclaycard Flexi-Rate
- Typical 14.9% APR variable
- 0% on balance transfers for 12 months (2.5% handling fee applies)
- 0% on purchases for 3 months
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MBNA Platinum Rewards
- Typical 15.9% APR variable & rewards!
- 0% on balance transfers until May 2009 (2.9% handling fee applies)
- 0% on purchases until July 2008.
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personal loans |
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Alliance & Leicester
- 7.7% APR Typical
- On loans from £7,500 to £15,000
- 1 to 5 year term. Apply online
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insurance |
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Protected
- We search over 300 insurance plans
- From 12 leading providers
- Compare your options online today in minutes
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Norwich Union Life
- We just make it easier
- We can't make you immortal
- We can offer you life insurance from £10 a month
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More Th>n Life Insurance
- Quality Life Insurance
- MORE TH>N will find the most affordable deal from our panel of insurers
- More is... life cover from only £5 per month. Apply Now!
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Tesco Life Insurance
- Now up to 10% cheaper. Find cheaper we'll give you 1,000 Clubcard Points
- Great value cover for your family and mortgage
- Help protect your families lifestyle
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