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Finding
Best Financial & Insurance Providers
Welcome
and thank
you for visiting Shainik Financial Services web site. Here we have
provided you with listings and direct links to the
major national Insurance Companies, Banks, lenders, Credit Card
Providers and Brokers in the UK. Our objective is to show you
the best deals as possible in the Insurance, Credit and Lending
Markets. At present, we have provided links to the institutions that we
are affiliated with. As we grow and get more affiliations and/or
partnerships, we will be adding more links of many nationally known
organizations.
In the meantime, it is hoped that
you will find what you are looking for. On left you will be
able to navigate for your need be it car insurance or home insurance or
mortgages etc. Please take your time to explore.
Insurance Overview
As
more people are now
able to access the Internet, finding a cheap
deal on insurance is not as difficult as it once was. Consumers are
able to use
a range of tools and resources such as price comparison sites to get
the best
deal on their cover, and in many cases, this can save them a small
fortune
because the cost of cover can vary widely from one insurance firm to
another.
Consumers in the UK can enjoy a wide range of
insurance options to
provide them with protection against a range of issues and
eventualities, and
with some good deals on offer from a wide range of insurance providers,
it is
possible to enjoy protection and peace of mind without having to break
the bank
when it comes to premiums. You can get all sorts of insurance policies
these
days, and below are some of the most popular types of insurance
currently
available in the UK.
A wide range of insurance options are available
that provide
protection against a range of issues and any enforceable events or
outcomes.
There are good deals on offer from a wide range of insurance providers,
some
offer between 10 to 15% off, if bought online. This is because they
save on
commission that would have otherwise been paid to intermediaries or
Brokers.
On
offer are all sorts of
policies, the most common types of insurance currently available in the
UK are
- Car Insurance, Home Insurance, Travel Insurance, Life Insurance,
Health
Insurance, Mortgage insurance, Loan payment protection insurance,
Breakdown
Cover, Emergency Cover, Liability Insurance, Office and Traders
Insurance,
Property Owner's Insurance and many more.
The cost of insurance cover can vary quite
dramatically, based not
only on the level of cover that you take but also on the insurance
provider and
the type of cover that you take. There are various other factors that
may
affect your insurance premiums, depending on the type of cover you are
taking
out. You can get some very good deals on insurance cover these days,
and this
means that you can enjoy valuable protection without having to pay over
the odds.
In order to ensure that you get a good deal on your
insurance cover it
is important to compare the different prices on offer from a variety of
companies – the difference in premiums can vary quite
dramatically from one
insurer to another so it can really pay to take the time to make
comparisons.
However, as well as comparing
the price of your insurance cover you
will also need to look at the level of cover and whether this will be
adequate
for your needs. Having insurance that does not provide adequate cover
for your
needs is pretty pointless, and it is worth paying a little extra to
ensure that
you are adequately covered no matter what type of insurance you are
taking out.
Comparing insurance policies and articles online makes it easy,
convenient, and
fast to find the right cover at the right price, and you can even
arrange your
cover online in most cases, saving yourself time as well as hassle and
money.
Global
Credit Crunch is
Showing Effects
Insurance
companies may be facing
losses due to the effects of global credit crunch. Yes, the credit
crunch is
still with us despite all the attempts made by government. Many
families are
budgeting their finances and cutting down on many items including
insurance
covers. According to a survey carried out by Deloitte, some 26% of the
consumers
could be thinking of changing their insurance requirements. Some could
be only
effecting third party car insurance instead of comprehensive cover and
others
would cancel insurance policies such as Payment Protection covers. As
it is car
insurance premiums have gone up by 8 – 12 %.
Another
factor is the slum in
housing market. This is due to lack of the availability of mortgages
from
lenders. Many Estate agents are closing due to lack of movements in the
housing
market. This has adverse effects on other related occupations that
involve solicitors,
removal
firms, builders, decorators, tradesmen, and furniture stores.
Credit
- Understanding
Genesis of Bad Credit
It’s
very obvious that we now live in a credit world. There are lots of
banking institutions offering different forms of credit from credit
card to personal loans. The amount of people with credit cards is
rising very fast. Apart from that, lots of people can hardly do without
credit. Because of lack of enough financial education and discipline on
the part of most of these consumers they often find themselves in bad
credit situations like court judgement, bankruptcy, and loan default
which often make it difficult for them to get any credit at all in
future. You may now want to ask – what exactly is credit?
Credit means that you are getting a service or cash grant to use for
your own purpose. You are often bound with a contract or agreement to
repay in future as agreed with lender or service provider. Credit
exists in different forms like loan, mortgage, or credit card.
Before
you can get credit from any financial institution or lending agency,
they will first check your credit history. If you have default on loan
before or have bad credit history you will find it almost difficult to
get credit any time you apply for it.
However,
it’s possible for you to improve your credit history or build
a new good credit history by repairing your credit, thus
re-establishing your credit-worthiness. This process is called credit
repair. It’s the process in which consumers with unfavorable
credit histories attempt to re-establish their credit-worthiness.
Though
there are lots of credit repair companies nowadays that promises
repairing your credit for you, if you can follow simple guide,
it’s very possible for you to do it yourself –
afterall it’s your credit.
If you repair your credit it will make it easy for you to get low
interest credit, car or home loans. However, with poor credit rating
you may not be able to get loan or be subjected to high interest rates
and several other unnecessary conditions. So it’s very
important that you repair your credit if you have bad credit.
Articles,
Tips & Resources Stock Market For Beginners:
How to Invest Wisely - The stock market is like a big superstore, a
buying and selling place where people buy stocks. These exchanges are
where the buyers and sellers are matched. With the exchanges as the
main players...Read More...
Reverse Mortgages:
Pros And Cons of Reverse Mortgages -The money that you get out of
reverse mortgages can be spent on just about anything that you choose.
As a senior, you have the freedom to spend on luxuries as much as you
do on necessities...Read More....
Automated Forex Trading System:
Automated Forex trading system enables traders to execute their trade
on spot Forex market automatically and anytime of the day...More..
Debt Credit Repair:
Learn the different ways to get you credit score over 750...More..
Don't
miss...Recommended
Rising Gas
and Electricity bills! You could save upto
£325 on your energy bills Click here to
find out how much you could save.
Avanti Travel Insurance
We can provide cover to
customers up to a maximum age of 85 years and our policies provide
medical expenses cover to £5 million, cancellation cover to
£5,000 and cover for lost & stolen baggage to
£2,000.More...
What
makes
Direct Line Home Insurance even better? 12
months cover
for the price of 9 any much more..Direct Line Home Insurance - only
available direct...Check it out here.....
DIA
Driving
School Insurance Get a quick
quote with us and drive down the cost of your Driving Instructor
insurance! More Info....
Amazing Credit Score Secrets Revealed book
Most Unique Up-To-Date Credit Repair+Credit
Score Guide in the Uk! Refused Credit? Bankrupt? Need help? Speediest
Path to Highest Credit Score.
Solve My Debt has been
helping people solve their
debt problems for many years and are specialists in debt management
plans. Solve My Debt will distribute your monthly payments to your
creditors on your behalf and negotiate to try and reduce/freeze
interest and charges on your accounts. Here at Solve My Debt we will
perform a confidential review of your circumstances for FREE to see if
you are eligible Click here to learn more about debt
management
The
Claims
Guys are the new consumer champions when it comes to personal
injury
claims or the recovery of bank charges, in particular payment
protection insurance, (PPI) and credit card charges. The Claims Guys
are authorized by the Ministry of Justice. No Win No Fee. Check
it here