Active Insurance

Putting a number on the value of advice

Royal London, in conjunction with the International Longevity Centre recently put a number on how much financial advice is worth to those who receive it. Here, Tom Dunbar elaborates on the findings of that research…

There are many myths and misconceptions around financial advice: some say it is only for high net worth people while others believe…

Life Insurance and Family Protection

Family Protection & Life Insurance

Life insurance is one of the pillars of personal finance, deserving of consideration by every household. I’d even go so far as to say it’s vital for most. Yet, despite its nearly universal applicability, there remains a great deal of confusion, and even skepticism, regarding life insurance.

Perhaps this is due to life insurance’s complexity, the posture of…

Critical illness – the heart of the matter

Critical Illness

It’s a testament to modern medicine that a whopping 70% of people in the UK who suffer a heart attack now live to tell the tale. Of course this is an encouraging statistic and many go on to find a new lease of life after the initial trauma. And it’s precisely this that makes critical illness insurance more vital than ever.

After living through a heart attack, many people’s…

Job Vacancy High Street Insurance Broker (not a call centre) Walkden Dealing with new business enquiries and quotations for Motor & Home Insurance and small commercial Insurance. Inputting the correct information and searching the market and providing the best terms possible for the clients premium, excess and needs. Working closely to ensure the right terms are being offered. Setting up new…

Travel insurance make sure you have proper cover, or face a hefty bill Ahead of the peak holiday booking season, the Foreign and Commonwealth Office is mounting a campaign to encourage holidaymakers to make sure they are properly insured. It comes amid claims that those who declare previous medical conditions are struggling to find affordable cover, and that cancer sufferers can be asked for as…

Brexit – How does this effect Travelling abroad?

Brexit – How does this effect Travelling abroad? How will Brexit affect my holiday? Until the UK officially leaves the EU, not sooner than two years’ time, there will be no changes to holiday arrangements. Travellers are as free to move between the UK and the EU as they were before the vote, European Health Insurance cards remain valid and regulations such as Air Passenger Rights remain in place.…

Could you afford to keep up your rent payments with no income ?  We’ve heard a great deal about generation rent in recent years but what does it actually mean for consumers and advisers and has the face of the typical renter changed?  The picture is certainly more diverse than it used to be.  Home ownership is at its lowest point in 30 years, according to the Resolution Foundation1.  The reasons…

Brexit what it means for you

Brexit what it means for you as a motorist from petrol to insurance, laws and more Brexit the UK has voted in favour of leaving the European Union and in the past few days the markets have reacted violently, plunging the pound to its lowest level against the US dollar since the mid-1980s. Nobody’s really sure what the future holds for the UK or for its economy, but the referendum result has gone…

Landlords unaware of new mortgage legislation

Many UK landlords unaware of new mortgage legislation, research suggests Landlords   Landlords unaware. Some 55% buy to let mortgage applicants are unaware of the impending changes to mortgage law and accidental landlords, those who did not intentionally set out to rent out a property, are least likely to know about these regulatory changes. The research by landlord insurance provider Direct Line…

  This month Active Insurance Services celebrate 20 years in business. We have seen many changes in the insurance industry in that time and we have had to adapt and change the way we do things. There has been lots changes in legislation, governing bodies and probably the biggest change of all is technology and the way insurance is purchased today. Whilst we have invested in technology which helps…

Life Insurance 10 things you need to know

Life Insurance 10 things you need to know Life Insurance Life insurance is one of the pillars of personal finance, deserving of consideration by every household. I’d even go so far as to say it’s vital for most. Yet, despite its nearly universal applicability, there remains a great deal of confusion, and even skepticism, regarding life insurance. Perhaps this is due to life insurance’s…

Escape of water advice for the winter

Water and the damage it can cause can be devastating. Flooding The UK weather is very unpredictable and so far it’s been a mild winter, but now the temperature has dropped, it’s important to keep pipes protected from the cold. That’s because burst pipes, caused by water freezing and expanding, account for the majority of escape of water claims we receive every winter. To help you avoid this and…

Insurance premium tax hike set to hit consumers

Industry slams Chancellor’s surprise tax increase on premiums One of the less anticipated moves in this years budget was the Chancellor’s raid on insurance premium tax, which will be raised this November from 6% to 9.5%. The new rate will hit policies ranging from contents insurance to motor insurance, and is expected to generate up to £1.75bn a year for the Treasury’s coffers. Travel insurance…

Short term car insurance

What is short term car insurance? Short term car insurance is exactly what you’d expect it to be: car insurance that is designed to provide cover on a temporary basis. Most insurance policies run for 12 months, but there may well be circumstances where you don’t need protection for that length of time. Perhaps your car needs repair work and you’ve been able to borrow a friend or relative’s…

Travel insurance – what is the best type of insurance for you? What Travel Insurance is best for you What is travel insurance? When travelling overseas it is really important to sort out your travel insurance before you go. As hard as it is to think about, you need to consider what might happen to you and your family if one of you has an accident or is unwell abroad. Foreign health care can be…