Archive for February, 2012

Dues and insurance rates

Payment delays
The insured has ten days after the due date to settle its dues. If this period is exceeded, the insurance company sends a letter to the last known address of the insured. The letter is valid, even if the insured has moved or is not picked her. If you move, it is necessary to prevent the insurer by registered letter.

Thirty days after the contract is suspended and the insured is no longer guaranteed. This period is calculated from the date of submission to the Post of the registered letter from the insurer. Are excluded from this calculation for public holidays. The insurer has the right to terminate the contract ten days after the expiration of thirty days if the assessment has not yet been resolved.
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Compensation for damage

The role of an adjuster, the steps of expertise

What is the role of the insurance adjuster?

The expert’s role is crucial in settling claims.

The expert shall prepare the survey report:

  • it identifies the damaged property
  • it determines the circumstances of the claim
  • He described the damage, the figures, the estimated age of the property
  • it calls for measures where appropriate
  • it indicates how rehabilitation (repair or replacement of damaged property)

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Autonomous Legalitas Business

Result of the development of the strategic alliance between Agrupació Mutua and Legálitas Group, the product is released ‘Legálitas Self / Business’, offering freelance and its employees a set of guarantees and legal services and advocacy, aimed to give maximum legal security to self-employment and small business owners.

PRODUCT NAME:
Autonomous Legalitas Business
RESPONSIBLE ENTITY NAME: Agrupacio Mutual – Insurance Legalitas
PRODUCT TYPE: Legal Expenses Insurance
RELEASE DATE:
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NORTEHISPANA Launches ‘Home Communities Insurance Plus’

NORTEHISPANA has created the ‘Home Communities Insurance Plus’, a new product designed to provide complete coverage to the communities of owners, both for the continent to the content. The policy is studied, especially to meet the security needs of buildings, whether owned jointly distributed as if intended for rental.

Recipients of this release are the communities of owners and developers, once it has completed the construction process.
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C & L UNDERWRITING SERVICES Launches Own Damage insurance for vehicles of category 2

The insurer Hubener VERSICHERUNG, through its agency representation and membership in Spain, C & L UNDERWRITING SERVICES, has just launched a new insurance product for the domestic market to cover the own damage to vehicles of second category such as trucks, both rigid as more tractor trailers, buses and / or buses.

A basic coverage, including those discussed own damage to the vehicle plus towing accident, you can optionally include advertising painting and electrical damage. The firm notes, moreover, that has a wide range of proposals, both in franchising and in rates.
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With mortgage interest rates rise possible majority interest rates will still use

Cheap mortgage interest rates continue to dominate the market for mortgages. The current interest rate conditions facilitate the purchase and finance a home. But what the Germans would make real estate interest, when a turnaround in interest rates would emerge? That the polling institute Forsa asked on behalf of comdirect .

According to many German attempt to make the current interest rates are utilized. With 28 percent would push more than one in four have plans to build your own home or buying intensified. Another 21 percent want to rising mortgage interest rates , a forward loan to complete. They hope so favorable follow-up financing for the period after the mortgage term of their mortgage to secure.
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New Financial Advisor supports test-find second-hand house

Not everyone wants to take the tedious task of house building on itself and believes that it is better to search for a used property. But when buying a used home, there are risks to look for in the search and selection.

A new guide to the Foundation Warentest interested in real estate helps the decision and the financing for your home. The book “The house used” shows in detail the steps on the way to go home and on the fields of a fund to buy and renovate. It is led by a 11-step program by all relevant decisions. So everyone can put together your own personal expression profile, which facilitates the search for a property.
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Insurance contract claim: who to contact to get answers to your questions?

If you have questions about the guarantees of an insurance contract, on what to do after a disaster, do not hesitate to contact your insurance company, agent or ourtier c. If you disagree with him, you can use a mediator insurance.

Contact his insurance company, the broker or insurance agent

Your insurer, agent general insurance, insurance broker … role is to assist you in signing the insurance contract to pay compensation in case of disaster. He is best able to answer most of your questions.

You can also contact the customer care, customer complaints or …, the name may be different in different societies.

Contact information for this service by referring to documents provided by your insurer (general conditions of the insurance contract, information sheet).
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Insurance: the renunciation of a contract after a solicitation

It is possible to waive a contract of insurance after a solicitation.
Which contracts are concerned? What are the steps to take? …

Is it possible to dispense with any insurance contract after a solicitation?

If you are an individual, it is possible to waive any insurance contract that you signed for non-business (home, auto, school, Warranty accidents of life …).

Some contracts are not affected by this possibility. These are:

  • of life insurance and capitalization for which the subscribers have a right of cancellation 30 days whether or not selling;
  • insurance contracts or travel bag for whatever duration;
  • insurance contracts for a maximum of one month.

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A crisis of savings still present

The Solidarity Fund QFL invites workers to create healthy habits retirement savings..
“On their own, public plans are not enough to offer Quebecers a comfortable retirement. With a savings option also available, the Fund plays a pivotal role in encouraging workers to create healthy habits for saving for retirement. Especially since over ten years, including the effect of tax credits, the shareholders of the Fund had a return of 7.9% 1, which is higher than the average performance of two Canadian balanced mutual funds that s was as high as 4.1%. In addition to an attractive return, the shareholder-owners get the pride of contributing to the growth of great companies like Image Gagnon, Distributions Arnaud, Carpenter Roland Perreault all or Projexco Rimouski Sainte-Luce. Indeed, over the years, more than $ 124 million has been invested by the Fund and its network in the Lower St. Lawrence. A significant contribution to economic development in the region, “said Bolduc.
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