Tag: Spa

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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Visitors Medical Insurance

Foreign travel can be both exciting and challenging. Travel planning calls for a lot of thought and time. Often healthcare needs of travelers are overlooked. This oversight can turn an otherwise great trip into something out of a nightmare.

These are some important steps you must take before you undertake any travel:

1. See your primary care physician and discuss your needs during your foreign travel. Ensure everybody is current with immunizations. Many Asian and African nations demand proof or certificate of vaccination. These requirements can be obtained from your travel agent.

2. Study your current health insurance plan to determine if it offers adequate coverage overseas. If it is not clear check with your insurance company about what is covered and excluded during overseas travel.

3. If your current health plan doesn’t offer coverage for medical expenses and medical evacuation it is prudent to consider foreign visitor insurance. If your travels are short term then you can consider a visitor medical insurance policy. If you are out on a long trip spanning several years then you can consider a more comprehensive international health insurance plan offering regular pregnancy and preventive healthcare benefits.

The premium for the plan is influenced by your age, the type of benefits and the length of coverage. It is best to speak to an experienced visitors insurance professional. Ask the right questions and ensure you protect your most important asset – health.

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Read This Piece To Learn About Camping

One of the best ways to have fun outdoors and enjoy all the nature has to offer is by going camping. However, it is not enough to just head out into the woods without knowing what you are doing. By remembering the following advice, your next camping trip can be one to remember.

A Frisbee makes for excellent support under paper plates, and can avoid the usual camping spillage and drops! Grab as many of them as you have around your home or yard, or pick up a few at your local dollar-type store. They conveniently stack for easy, space-saving packing and are tremendously helpful with little one’s meals.

When you are camping, you should never eat anything unless you are absolutely certain of what it is. There is nothing worse than a strong case of stomach problems when you are far away from both medical attention and a toilet. It is recommended to only eat food that you bring.

Before you go camping with your new tent for the first time, set it up in your back yard. Try to set it up and taking it down a few times to make sure it is durable, has all the pieces, and is easy for you to maintain. It should also be a comfortable house all the campers.

Be prepared if you get lost on a camping trip. You should know how to use a map, compass, and GPS device before leaving for your trip. You should also keep these on your person during your trip. If you stray too far from your campsite, these items can help you get back quickly and safely.

You should bring food on your camping trips. You should plan out what and how many meals you plan on eating before going on your trip. As far as how much food you should bring, a good rule of thumb is to only carry the amount of food that you need to prepare your meals.

Wear closed-toe shoes when camping. While walking with open-toe shoes or barefoot in nature may sound appealing, there are a lot of treacherous things on the ground that can harm your feet including rocks, sticks, poisonous plants and even animals. Protect your feet completely by always wearing shoes that protect you completely.

A major mistake that campers make is they will get lost on occasion. Do not let this happen to you. If you are unfamiliar with the area you are camping in or if you are in a wilderness area, do not stray too far from your campsite. A portable GPS is an excellent investment if you are planning any kind of wilderness camping adventure.

Wear layered clothing to manage your body temperature. When camping, it is a hassle to have to change clothing when temperatures suddenly rise or drop. However, if you layer your clothing, you will be able to quickly and easily peel off or put on layers of clothing as the need arises.

Once you know what you are doing, it is a lot easier to have fun on your next camping trip. By arming yourself with some basic advice, you can avoid common mistakes and just focus on enjoying yourself. Just remember the tips from this article to have a great time camping.

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