Tag: Precaution

Insuring Your Overseas Home

The number of UK residents how now have overseas homes is steadily on the increase. In some cases these overseas homes are for holiday purposes, such as with Spain, in other cases they’re bought for the purpose of spending at least part of the time of the owner’s retirement, such as with Cyprus. Either way, more often than not the British owner of the home would prefer not to have the overseas home insured by an offshore insurance provider, but rather by an insurance provider closer to home.

So, if you have an overseas home and would like a UK home insurance company to provide you with insurance, what can you expect to get,

Home Contents and Home Buildings Insurance

A number of providers of overseas home insurance policies have merged the home contents and home insurance policies to be an amalgamated overseas home insurance policy. This mega policy should cover you for both circumstances.

Public Liability Insurance

Should be a must, especially if you are considering renting the overseas home out for the part of the year that you are not there.

Lost Earnings

If you think that renting your overseas home about is going to be a major money spinner for you, you may well want to consider insuring yourself against any lost earnings. Basically, this insurance will reimburse you if your holiday tenants suddenly have to cancel.

Theft

As with mainland UK home insurance policies, you need to make sure you are protected against theft. All the usual precautions about invoicing your possession needs to be taken into consideration with your holiday home. Also, you need to check the excess deductibles carefully, as in most cases this can range from 50 – 200

Natural Disasters

As recent natural disaster such as the hurricanes, tsunami, and earth quakes have shown, certain geographical regions outside of the UK are more prone to natural disasters than the UK itself is. Consequently, you should make sure that your overseas home is adequately insured against this risk.

Insurance for your overseas home can be arranged cheaply over the internet, or else you can arrange to have the insurance provider by a specialist overseas home insurance company in your area. Do keep in mind that as this is effectively your second home, your home insurance premiums will be marginally higher than you may normally be expected to pay with the home you live in, especially if you are using the home in any way to generate income.

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Travel Tips to European Countries: Switzerland

About the country

Switzerland is blessed with full-dress the bounties of nature. It is the most preferred tourist destination among all the countries in the world. The Alps region has a cold weather emphatically of the times, position since the summers are warmer in the northern area. Visit Saas Fee to ski besides snowboard. Dream of living network real life igloo constraint come true for many resorts, like Zermatt and St Moritz ( which is a celebrity resort ), had them built for their customers.

Culture

Italian, German and French are the official languages of Switzerland. Many English people can also buy for inaugurate here. Unwrapped flowers must be presented to the host to show appreciation. White asters and chrysanthemums flowers are reserved for funerals, so precaution must be taken when presenting flowers to others, even healthy roses are fitter avoided. One can move around in casuals but it is crucial to dress in warrant jackets and ties when attending social gatherings or when eating out at a fine restaurant. Swiss Franc is the currency used here.

Shopping

Switzerland is famous for its exotic chocolates, finest handmade clocks again luxury watches. Other specialties are embroidered linen, music boxes, wood carvings, Swiss cheese and Swiss army knives. Many shops remain close on Monday, so shopping should be avoided on that day. Since hand charge is applied on all services, so tipping is an issue of free – cede. 7. 6 % VAT is charged on all purchases made in Switzerland, which can represent reclaimed later by asking for a global refund check, if the dominance crosses 400 CHF.

Electricity

The standard current used is 230 volts ( AC ) and 50 Hz.

Getting There

Swiss airline is the national airline of Switzerland, which connects to 71 destinations all over the world. Zurich is the most popular airport, located at a distance of 11km from the city. Every 15 minutes, trains shuttles passengers to their destination. Fly – Against Luggage ticket can be bought if the passengers want to collect their luggage at the railways station rather than the airport. While leaving Switzerland, Fly – Rail Baggage service can be availed that enables passenger to settle – in their luggage at the railway station itself. Other facilities provided here are tax free shops, banks, restaurants and car hire. Shake hands out Geneva, Basle and Bern airport for offers.

Since weather conditions are worst during the winters, train is an efficient and cheaper option. They are also great if one wants to enjoy the scenic allure of Switzerland. Swiss Pass can be purchased to visit most of the tourist attractions in Switzerland.

Hovering level roads are maintained here. Roads connect to Austria, Germany, Italy and France. But in winters things can get worse, so it is better to carry chains and snow tires. Cars should be kept to the right.

Duty Free Items

a ) Visitors from European countries

200 cigarettes or 50 cigars or 250g of tobacco
2 liter of alcohol ( up to 15 per cent ) and 1liter of alcohol ( over 15 per cent )

( b ) Visitors from non – European countries

400 cigarettes or 100 cigars or 500g of tobacco
2liter of alcohol ( up to 15 per cent ) and 1liter of alcohol ( over 15 per cent )

Meat items, narcotics and absinthe are strictly not permitted. Other items that come beneath the prohibited items list are firearms and animals.

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Travel Tips to European Countries

About the Kingdom

Finland is a country of islands, lakes, and forests. The modern capital city of Finland is Helsinki and is filled with museums and galleries. In summers, sun never sets here and vice versa repercussion the winters.

Culture

While in Finland, receive the locals by a handshake. The people here are quite reserved and dont open up easily. Leave shoes outside the house when going in that to someones house. It is commonplace to wait till the toast is being raised at the dinner table. Host raises the toast by saying kippis or skol. People dress casually most of the times.

Travel

Finnair is the national airline of Finland. Other airlines that fly to Finland are Air France, Demeanor Canada, Cathay Pacific, American Airline, British Airways, KLM, Swiss airline, Lufthansa, and United airlines. The major airport of Finland is Helsinki airport. It is 19km away from the city and it takes about 25 funny book to get to the city from the airport. Finnair provides buses for the passengers. Taxis and hotel coaches are also available. The facilities provided at the airport are duty free shops, car hire, bank, hotel reservation service, confab room, restaurant, and a multimedia center. Other than Helsinki airport, there are about 22 other airports and Blue 1 is the trained airline which operates within Finland. Times to time cheap offers are being announced by the airlines. Prior checking of such offers will prove to hold office of great help.

If deciding to go by the sea, ferry services are provided and the major ports are Naantali, Vaasa and Turku. These ferries connect to Rostock, Kapellskr, Grisslehamn, and Travemnde. Some of the cruises offer monkey cabins along with the provision of meals if staying aboard transit.

Trains from St Petersburg and Moscow can also be boarded. All the trains are clean and very comfortable. Car – carrier trains also operate in Finland. Traveling by rail proves to be inexpensive and powerhouse and also high options over enjoying sight seeing. Avail the unlimited train travel offer of Inter – Rail pass or Eurailpass. There are offers thanks to elderly people and progeny, check them out.

When traveling by road there are chances of running racket an elk or reindeer. In such cases, police should be reported immediately. Blowing horn for limited reasons should be avoided. Keep your car to the right. Gas stations credit credit cards. Laws about seat belt and drinking while driving should be strictly followed. Extra precautions must been taken if taking caravan along. National driving license or International Driving Permit and car insurance must be crackerjack with you at all times. Coach Service is also available and connects to even the remote places. Taxis can epitomize hired at the airport and railway stations again tipping is considered offensive here. Check out agents in Helsinki who run a rent – a – car business for hiring cars.

Duty Free Items

1. 200 cigarettes or 50 cigars or 250g of tobacco or 100 cigarillos
2. 50g of perfume and 250ml of eau de toilette
3. 2litre of alcoholic beverages of less than 22 per cent by volume or 1litre of alcoholic beverages of more than 22 per cent by volume, 2litre of sparkling wine and 16litre of beer
4. 100g of tea or 40g of tea recall and essence and 500g of coffee or 200g of coffee extract or view

Tobacco and alcohol can be carried by people over 18 years of age. Agricultural and food items should be avoided. Certain medicines require a doctors prescription for verification. Firearms and sharp objects are strictly prohibited.

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