While most states operate their insurance policies based on the conventional fault-based auto insurance policies, there are other states that follow a no-fault auto insurance system. This coverage is also better known as PIP and it is being followed in states like New York, Michigan, Florida, Kansas, Minnesota, Massachusetts, Kentucky, Hawaii, New Jersey, Washington D.C., and Pennsylvania etc.

As per the no-fault coverage each policyholder can recover their financial losses from their respective insurance company regardless of who was at fault. This type of coverage was set up in order to remove the fault out of the liability and in order to cover medical costs from their own insurance providers.

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When talking about insurance for holiday homes (and insurance for a permanent home for that matter), the term ‘insurance excess’ may cause a little confusion, especially by the use of the terminology ‘compulsory’ or ‘voluntary’ excess. Here we explain what they mean – and how they may affect you when claiming.

The insurance excess

The claims excess is a commonly found insurance feature on most types of cover – for example, home insurance and motor insurance.

It has its origins in the fact that, typically, a fairly high percentage of insurance claims relate to often minor incidents and smaller amounts of money. Insurers typica

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With the associated costs of holiday home ownership rising, there is an increasing number of holiday home owners turning to holiday lettings as a means to generate income. Whilst the majority of property owners will market their rentals professionally, there are some ‘accidental holiday rental landlords’ who will steal your photos or website copy and pass them off as their own.

Although it’s claimed that imitation is the sincerest form of flattery, when it comes to a competitor stealing your content, it’s not flattering, it’s theft. Ultimately, it could be costing you bookings and it needs to be addressed.

There is every possibility that the culprit owns a property in the same village or on the same holiday complex and that you might well bump into each other at some point. With this

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Shopping for auto insurance quotes can be a very time consuming and cumbersome procedure. In order avoid this many people just opt for their coverage from a company they have heard of from their friends or family. It is important to understand that the prices of coverage vary from one person to the other. So, if your friend is getting a policy for less cost from one provider, you will not necessarily get the same coverage at similar prices. If you are running short of time and want to get the best without compromising on the budget you have set aside, going online is the best option.

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As announced in the 2011 budget, the changes to the Furnished Holiday Lets (FHL) tax rules come into effect today – April 6.

From April 6 it will only be possible to offset trading losses from a furnished holiday lettings business against certain income from that same FHL business. T

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