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Getting Home Insurance

Were you aware that you can save money if you get your home insurance quotes online? Neither did I until I started searching for an insurance company with which to insure my home. One site offers a 5 percent discount of rates. Now that is a great idea. Read more

The Importance of Having the Right Types of Insurance

Time and time again, I run into so many freelance bookkeepers who do not invest in an insurance policy. I have to stress to you how important it is to make this investment. Most of us start our business because of the passion we have for what we do. Unfortunately, owning a business also comes with a lot of accountability and responsibility. Although we strive to service our clients to the best of our capabilities, a client’s perception of our quality of service may be entirely different. If for any reason they wind up thinking you did them wrong, it can open you up to a can of worms if you are not protected. Read more

National Insurance Explained

The rate of NIC paid by employees is affected by whether you are contracted out of SERPS or S2P as it is now called (the State Second Pension Scheme) in which case a reduced rate is payable. If the employee has contracted out of SERPS and into a salary-related scheme, then at the basic level the NIC rates are reduced by 1.6% for the employee and 3.7% for the employer. For money-purchase schemes, the employee’s reduction is still 1.6%, but the employer’s reduction is 1.4% and an additional age-related payment is made to the scheme by the NICO. Read more

Making a Claim on Your Insurance

What do you think about when you are deciding whether to make a claim on your home contents insurance? How much you can get and whether you can claim more than the excess is probably about the extent of your thinking.

But there is something else you need to think about and it involves a hidden rule that could affect your ability to obtain insurance cover in the future. Read more

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