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Max Life Insurance Online

Max Life Insurance Online

Max Life Insurance is one of the best companies in India, and to improve their services, they have open a new service that allows customers to purchase life insurance online. You see, it is their vision to be the most admired life insurance company by securing the financial future of their customers. They promise that they are a honest life insurance that is committed into doing what is right for their customers. Through the years, it would seem like the company has reached their goal because they are currently the largest life insurer among the privately held non-banking companies in the country. Max Life is great because they are able to offer their customers comprehensive life insurances and as well as retirement solutions for long-term savings and protection.

 

Now as I said above, Max Life has opened a new life insurance plan for their customers which is called, “Max Life Online Term Plans”. What is it? And how will you be able to sign up for it? This insurance coverage will fall between traditional insurance policies but it will also fall under linked plans. You sort of get the best of two worlds, and you will be able to enroll to this life insurance coverage online. No need to commute to the city! All you will need is an internet connection.

The first thing that you will do would be to look for their website. Once you have found it, you will be able to click on the button that will allow you to purchase a life insurance online. After you have clicked it, it will bring you to another page that is dedicated solely for their online life insurance plan. Under this, you will find three choices which are:

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  • Basic Life Cover. This is a pure term plan that comes with competitive premium rates. The premium under this cover are less with 1 cr life insurance cover. You will be paying 7,400 Lakhs annually.If you are nervous and worried about the security of your family’s future without you, this may be the life insurance plan to stomp on your worries and provide you with a peace of mind. This is a pure solution for your loved ones that comes at a very affordable price. You will also be able to avoid the hassle of tedious paper works and easily get a life insurance protection for yourself online.Here are the benefits of this cover:

    – High Sum Assured Discounts
    – 30 day free look period
    – Hassle free online application without paper works
    – Additional protection through Max Life Comprehensive Accident Benefit Rider
    – 100% Sum Assured as lump sum on death
    – This will be able to reward you with a healthy lifestyle. It comes with low premium rates for non-smokers.

  • Life Cover Plus Monthly Income Plan. This plan will be offering you twin benefits of a Sum Assured as well as a level income every month so that you may put your worries to rest knowing that your family will be well provided for when you are gone. To make it simple, your family will also get a fixed income that they can avail for 10 years after you have passed on. Sadly, there is no maturity benefit for this plan.Here are the benefits of this cover:- 100%  Sum Assured as lump sum on death plus a level monthly income for ten years
    – An additional protection through Max Life Comprehensive Accident Benefit Rider
    – A hassle free online application process without the paper works.
    – A 30 days free look period
    – High Sum Assured discounts.
    – This will also be rewarding your for a healthy lifestyle.
    – Low premium rates for non-smokers.
  • Life Cover Plus Increasing Monthly Income Plans. This plan will provide a Sum Assured payable on your death and also a monthly income for ten years. It sounds just like the second one right? But the difference here is that this one will increase. I’m talking about the income that your family can get.Here are the benefits of this cover:
    – The same with the one above but your income increases every year at 10%

 

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Max Life Insurance Reviews

Max Life Insurance India

Max Life Insurance

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Max Life Insurance India

Max Life Insurance India

One of the most popular company in India when it comes to life insurance is Max Life. I’m sure that you have heard of this company before. Just to get to know this company a little, Max Life is a joint venture between Indian multi-business corporate which is Max India LTD, with the general insurers Mitsui Sumitomo Insurance Co., LTD. Since it began, Max Life became one of the leading insurance companies in India and is currently the largest life insurer among privately held non-banking companies in the country. Here are some things that you should take note of:

Key highlights of Max Life Insurance:

  • 1 Crore Life Cover
  • Claim Settlement Ration of 96.03% for the year 2014-2015
  • Grievances Resolved of 99.98% for the year 2014-2015

Are you eligible to get a life insurance from Max Life?

  • You should be above the age of 18.
  • You should be less than 60 years old.
  • You should have a salary, working, a professional, or have a business of your own. The important thing here is that you will be able to pay for the premium in exchange for the life insurance from Max Life.

Max Life at a Glance:

  • You will receive a maximum tenure of 35 years
  • Min Sum Assured is Rs 25 Lakhs
    Max Sum Assured: No limit subject to underwriting
  • There is a specific exclusion of suicide within the first 12 months

You will also be able to add more insurance coverage from Max Life like the following:

  • Max Life Comprehensive Accident Benefit Rider. With this one you will be able to provide an additional protection  for you and your family against an unfortunate accident.
  • Monthly Income Term Plan. You will receive twin benefits of Sum Assured on death as well as a level income every month for ten years.
  • You will also be enjoying an increasing monthly income term plan.

If you want to apply, you need to be able to present the following to the company so that they will grant you a life insurance coverage.

  • Identity proof
  • Age Proof
  • Income Proof
  • Address Proof
  • PAN Number

 

Of course, Max Life believes that each person is different and may want a special coverage fitted only to him or her. No two situation is the same so what another person needs may not be what someone else wants in their life insurance plan. That’s why Max Life Insurance created different types of insurance plans to cater to the need of every customer that they have. Let’s take a look at what they are offering.

  1. Max Life Protection Plans. With this, you will be given a high Sum Assured in case of the insured unfortunate demise. This speaks for those who are beneficiaries of the insured. You will be charged a low premium – affordable but of high quality. There will be no maturity benefits to be paid out at the end of the policy term.- Max Life Super Term Plan
    – Max Life Platinum Protect II
    – Max Life Premium Return Protection Plan
  2. Max Life Savings Plans. The funds or money that you invest in these plans are invested in debt instruments that will be able to provide a standardized profit to the insured (you).- Max Life Guaranteed Income Plan
    – Max Life Whole Life Super
    – Max Life Life Gain Premier
    – Max Life Future Secure II
  3. Max Life Growth/ULIP Plans. These are the necessary market linked plans where the performance of your investment will be decided by the financial instrument that you have invested them in. You will be receiving a high return compared to when you just signed up for the traditional plan. I’m talking about number one.- Max Life Fast Track Super Plan
    – Max Life maxi Super
    – Max Life Platinum Wealth Plan
  4. Max Life Group Plans. This is great for employers who wants to give an insurance to their employees. As an employer, you are probably responsible for a lot of people who work under you, so you will be able to enroll a large number of people for a policy. The benefits will be paid out according to respective policy terms.- Max Life Group Gratuity Premier Plan
    – Max Life Group Super Life Premier Plans in lieu of EDLI
    – Max Life Group Super Life Premier
    – Max Life Group Credit Life Secure
  5. Max Life Child Plans. For the parents who want a secure future for their children.- Max Life Shiksha Plus Super
  6. Max Life Retirement Plans. You will be offered pension plans which will give you a steady income once you have retired. You won’t have to give up the lifestyle that you have been living, and you will still be independent.- Max Life Forever Young Pension Plan
    – Max Life Guaranteed Lifetime Income Plan
    – Max Life Life Perfect Partner Income Plans
  7. Max Life Online Terms Plans. You will have the option to purchase it through online. This will be under traditional policies but also under linked plans.- Basic Life Cover
    – Life Cover Monthly Income
    – Life Cover Increasing Monthly Income

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Reliance Life Insurance Policy

Reliance Life Insurance Policy

Today we are going to learn more about the policies of Reliance Life Insurance. Life Insurance is a contract policy of a customer (this is you) and an insurance company. It is a kind of protection against the loss of income that would result if the insured (you) will pass away or get sick. You will be able to get this protection in exchange for an agreed premium payments. If the insured dies, it will be the beneficiary who will receive the proceeds or the lump of money which is known as the death benefit. To make it simple, life insurance will give money to your beneficiaries who are usually your family so that they can carry on with their lives without you. It sounds a little harsh, but it isn’t. If you are a parent, I’m sure you wouldn’t want your children to be left alone with nothing in the world. It will protect those who depend on your paycheck.

 

Reliance Life Insurance Company or RILC is a part of the Reliance Capital of the Reliance Group. It is one of the largest insurance firms in India with over 10 million policyholders. Currently, it is the largest non-bank supported private life insurer in India with a settlement claim ratio of approximately 95%.

 

Here are the key highlights of Reliance Life Insurance:

1.) 1 Crore Life Cover. You will be able to get I Cr life cover at 15 Lk per day.
2.) You will also be able to avail of a claim settlement ration of 83.84% for the years 2014-2015. I will get back to you for the 2016.
3.) An amazing 98.08% of Grievances were settle in the year 2014-2015.

Are you interested in getting a life insurance from Reliance Life? To be eligible for Life Insurance, you must be above eighteen years of age, but you should be less than 55 years old. Since Life Insurance is a type of protection, it doesn’t come free so you must have money to pay for the premium in exchange for it, which means that to apply for a life insurance you must have a salary, a job, you must be a professional, or you have your own business. Once you have purchased Life Insurance, you will have a maximum tenure of 35 years. The minimum sum assured is at Rs 25 Lakhs while the maximum sum assured has no limit and will only be subjected to underwriting. However, there is one specific exclusion and that is suicide within the first 12 months upon purchasing a policy from Reliance.

 

So to apply for a policy, you will need the following documents:

  • Identity proof. This can be a valid ID or a copy of your birth certificate.
  • Age Proof.
  • Income Proof.
  • Address Proof.
  • PAN Number.

You can then choose between seven Life Plans.

  1. Reliance Life Term Insurance Plans. This one will offer you a variety of term insurance plans to suit your pocket or financial budget. This will help secure the future of your family. This plans have death benefits but there is no maturity benefit.
  2. Reliance Savings and Investment Plans. This one is basically a market linked plan that will provide dual benefit of life cover as well as returns on the amount of money that is invested in the share market. With this, you are protected at all times as well as earning returns on your money.
  3. Reliance Retirement Plans. This will help you have a secure life and continue the lifestyle that you have been living. Planning for the future is a must. You will have a channel through which you can plan and save for the time your income won’t be steady anymore.
  4. Reliance Life Insurance ULIP Plans. This is a unit-linked plan that will provide you with a security of the future of your loved ones as well as returns of your investment.
  5. Reliance Endowment Plans.
  6. Reliance Child Plans. If you are a parent, I’m sure you’d want the future of your child secured especially if you aren’t around anymore. This will focus on the education and well-being of your children at all phases of their lives.
  7. Reliance Group Insurance Plans.

 

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Reliance Life Insurance Review

Reliance Life Insurance Company

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Reliance Life Insurance Review

Reliance Life Insurance Review

Here are some reviews about Reliance Life Insurance! What do people have to say about them? What were the experiences of those insured with them? Hopefully, through reading them, you will be able to learn a bit more about the company and how they have handled things in the past. Don’t let one positive review or one negative review seal the deal for you though! Keep an open mind as you read them.

 

 


 

Positive Reviews


“The best thing about Reliance Life is that their people clarify all the policy details.” – Ajit Singh Varma | Professional

” In my experience, Reliance Life has the best after-sales service. Its SMS based services keep me informed at all times.” – Pooja Mishra  Professional

“Reliance Life is a lot better than other insurance companies. They have given me in-depth information on all their policies.” – Faiyazul Haque | Professional

“I have also taken a super endowment policy with Reliance life insurance. The services are excellent from them. The best and unique benefit of them is that the maturity value is given on the bond. The tenure for the policy is for 20 years. The payments are on a yearly basis. It can be paid online.” – Khammam

From reliance i have taken a short term insurance plan for five years. I went to the branch and took the plan . The rep explained all the details and benefit about the plan. After the maturity will get the minimum assured amount and rest will be depend upon the particular year market rate.”

“Nothing much I get like benefits. It is infact it is annual premium and satisfied so far. There is accidental coverage and death coverage. In the both the cases the coverage would be 31lakhs. Very good returns as I guess it would be double. Just interacted for a single time as got the life insurance of Reliance Life from my friend.”


Negative Reviews


“I have purchased a policy from Reliance Life Insurance in which i am suppose to pay 1 lack annually and was assured that i will get the dividend with in the period of 90-120 days around 3.74 lack, and i bought the policy on the same condition but unfortunately came to now that there is no Dividend kind of thing I request you to kindly take necessary action against the company through which my policy has made and also Reliance life insurance company.
The Reliance company was also told by us that if there is no dividend then please dont process for the same but they have cheated me . It is a humble request to kindly cancel the license for the brokers company from where the policy has issued Agent code no is 22151231 / Agent /Broker name is JAIN INSURANCE BROKERS PVT LTD.

Warm Regards
Kamal Advani
9810588379″

“I deposit Rs. 90,000 in reliance life insurance but after five years i got only Rs.70,000 which is not acceptable. They have large documentation while getting the maturity but during the activation there was less documentation.. For the past two months i am trying to get the amount and there was also not ready to give response when we visit the branch .”

“It was my first policy after I started working. I not aware about the policy and that was beginning. I got information from one of my friends an preferred for life insurance. I did not get good benefits from Reliance Life insurance. They told something else but when I go through it is totally different. I feel that they are not transparent. They don’t have track records. I tried call them when felt like change in a policy but no one responded. When I went to their office I did not get good response.”


What do you think of Reliance Life Insurance company now after reading all of those reviews? Would sign up with them?

While you are thinking about it, don’t forget to subscribe to us here at Best Insurance Deals! If you have any comments, suggestions, or questions, feel free to leave a comment below and let us talk about it. Have a great day!

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Reliance Life Insurance Company

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Reliance Life Insurance Company

Reliance Life Insurance Company

Let us take some time to learn more about Reliance Life Insurance Company. Is it really important? For me, yes. It is important that you should know a thing or two about the insurance company that you are going to be signing on with.  The word “Reliance” means the state of needing someone or something for help, support, etc. It can also refer to someone or something that is being relied on. This company began under the supervision of Shri. Dhirubhai H. Ambani. Those who have worked with him and under him have a lot to say about his way of leadership and natural genius. Many would refer to him as the corporate visionary, the unmatched strategist, the proud patriot, the leader of men, the architect of India’s capital markets, and the champion of shareholder interest. He was considered as one of India’s greatest wealth creator. It was from scratch that he built India’s largest private sector.

 


“To be a company people are proud of, trust in, and grow with; providing financial independence to every life we touch” is their vision.


 

 

You can depend and trust on Reliance Life Insurance Company to be there for you and your loved ones. The company is part of the TOP 5 when it came to individual Weight Received Premium (WRP) and new WRP. It is also known as by far the largest non-bank supported private life insurer that has over 10 million policy holders. It also became the TOP 2 in the most trusted private life insurance service brands survey that was conducted by Brand Equity-Nielsen Most Trusted Brands Survey back in the year 2014.

 

The great thing about having a life insurance is that it is able to provide you with the right kind of security that you need or your family needs in case of your unfortunate absence or untimely death. If you contribute a lot to the family, you being gone can create a severe financial distress. Life insurance will give you a peace of mind, knowing that your family will be okay and can support themselves if ever something happens to you. With Reliance, you have six life insurance plans to choose from.

  1. PROTECTION PLANS: This one is more focused on protecting. Under this, you will have three more choices to decide upon which are:- Reliance Term Plans. This plan can be customized to what you want it to be. It is comprehensive, complete, and yet it is very affordable. It will help you secure a future for your family.
    – Reliance Online Term: This plan will give you a large life insurance offer at affordable premiums in just a few clicks. It is easy to purchase, and you can even have the medical tests done at your home. No need to go anywhere else.
    – Reliance Online Income Protect: This one will be responsible for taking care of your family when you aren’t around.
  2. SAVINGS AND INVESTMENT PLANS:  You will be able to set aside money for the future and to help you achieve some specific goals that you have like buy a house, travel to another country.
  3. RETIREMENT PLANS:  You have worked hard and now it is time for you to relax and not worry about where you are going to get money for the next day. You will still be able to continue the lifestyle you have been living even if you are retired.
  4. UNIT LINKED PLANS (UILP):  It is a type of investment cum protection that can offer you dual benefits of availing market linked returns on your investments along with a life insurance cover.
  5. HEALTH PLANS: With this one you will be able to protect yourself and your family from unexpected financial burdens that will arise with health ailments and accidents.
  6. SOLUTIONS FOR GROUP:  This one is great for employers and employees. Employers will be able to choose a win win type of solution for yourself, your employees, and for your company.

What do you think of Reliance now? Are you interested in getting one of their life insurance plans?

 

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Reliance Life Insurance Online

Reliance Life Insurance Online Plan

I’m glad that you have taken an interest in purchasing a Life Insurance from Reliance but did you know that you can easily do it online? The internet is really an amazing thing, right? We can no do things from the comforts of our home. Before, if we wanted to purchase something, we had to get ready, dress up, commute or drive to our destination, but now, we just have to turn on the computer, connect to the internet, and viola! It is done! We can even get someone to help us through chat assist or through calling. So how can you purchase online? Let me bullet the ways.

  • There are three Insurance Plans that you can purchase online and these are namely: Protection Plans, Savings and Investment Plans, and finally Unit Linked Plans. You must decide on which of the three it is that you want to sign up for. You will easily find the Buy Online button on the homepage. You won’t miss it for sure!
  • Let’s just say you chose: Protection Plans. Under this, you will find two more choices that you need to decide upon.(a): Reliance Online Income Protect. It will be asking you some details like your gender (male and female), your date of birth, whether you smoke or not, what your annual income is and how long you want your policy to be. When I entered my annual income, the Sum Assured got inputted automatically, but you will still be able to edit it.Here is my annual premium:1515It isn’t as clear as I want it to be but my annual premium is 10,829 Lakh which includes taxes already.  If you are satisfied with it, you may click on the PROCEED button. Yes, it’s that green one at the bottom. Once you have clicked on proceed, they will take you to a page where they will ask you to fill up specific information like your name, email address, mobile number, and your residence. At the end, you will be asked if you are buying the policy for yourself or for others so I’m guessing that it’s okay for others to fill up your policy if you don’t have the time.(b) Reliance Online Term. As I said, under Protection Plans, you will have two more choices, this is the second one. You will be asked the same things: gender, date of birth, whether you smoke or not, your annual income, how long you want your policy to last, and sum assured. If you are between ages 18 to 45, the minimum sum assured under this plan is 25 Lakhs. What will be your benefits if you sign up on this one? You will be getting 1 Crore life cover for just 15 Lakhs a day. It is affordable, you will be rewarded for living a healthy lifestyle, hassle-free application, you will be able to enjoy some tax benefits, and convenient medicals.
  • If you need any help filling up the forms, you can give them a call at 1800 3000 8181. They have friendly, knowledgeable, and ready to help customer service agents.
  • Other services they offer are:(A) Savings And Investment Plans:(a.) Reliance Guaranteed Money Back Plan. This will be able to give you the financial security that you need to cover the risk of uncertain and undesirable events.
    (b.) Reliance Super Endowment Plan.
    (c.) Reliance Increasing Income Insurance Plan. With this you will be guaranteed a regular monthly income that will increase every year, you can choose between a bigger paycheck or a lump sum amount at maturity, you will be able to protect your family, hassle-free application, and you will enjoy some tax benefits.(B) Unit Linked Plans(a.) Reliance Classic Plan II. 

What do you think of Reliance now? Do you like the plans that we have presented to you today? It may be time to buy a life insurance from Reliance online!

 

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Direct Line Home Insurance Reviews

Direct Line Home Insurance Reviews

Today, I have prepared some honest reviews about Direct Line Home Insurance. When reading through the reviews, I’d want you to keep an open mind. Reviews are not a sure tell that a company is really good or a company really sucks. Think of it as having a little sneak peak on how the company handled a certain situation before. They say that experience is the best teacher, but nobody said that you had to experience it yourself, right?

 


 

“I have received excellent customer service from Direct Line. We are in the process of moving house and have had a period of time when we needed both houses insured. They arranged it very easily with a minimal amount of fuss and at a very reasonable rate. They even extended the period of cover for both for an extra 30 days at no extra charge. They have made insurance cover easy at a time of great stress for us.
Regarding their car insurance I am also very impressed. We had a friend looking after our house and pets while we were away for a weekend. With one simple call they put her on our car policy for £3.18!” – Sandra Leverett


“I have just had a renewal letter from Direct Line stating that my home insurance is £600 a year. Luckily I checked it and felt that I was being ripped off! They say in the letter that there is no need to contact them as they will automatically renew it. I tried ringing them to discuss why the policy was so expensive as we have been with them for 7 years and never had a claim.unfortunately it is almost impossible to get through to customer service. My husband filled in their house insurance on line and was quoted £230 with all the extras we needed. I cannot understand why they penalise loyal customers and offer deals to new customers. I eventually got through to customer service after a 20 minute wait on the phone. I have cancelled the policy and would advise anyone looking for insurance to go to Compare the Market. We have been given a cheaper quote a saving of £38 a month for exactly the same cover. DO NOT Use DIRECT LINE for your insurance.” – Liz


 

“My advice to anyone considering or renewing their home insurance with Direct Line is don’t! I had a new bathroom fitted last year and unbeknown to me the bath was not fitted correctly resulting in water seeping behind and under the bath. Only noticed this recently due to wet coming through onto the plaster in the bedroom next door. The company who fitted the bathroom has unfortunately ceased to trade. I contacted Direct Line, my insurer but they will not cover anything for bad workmanship, which covers anything in my opinion. May I add that I have never made a claim in 40 years. Also looking at my policy, this year they had inserted an excess of £350 for water damage which was not in the previous year policy. As stated above, my advice is to find a better insurer” – Brian Roocroft


 

We were burgled in London. Luckily they only got into one room but still took tv, DVD, PS3, DVD collection, handbag etc got stolen. direct line were actually really helpful and supportive. They replaced new for old – they just asked for a list of DVD’s and games that went missing and sourced everything they could – more obscure ones they gave us a cash settlement. All our electricals they sent new replacements. I’ve been burgled before and that insurance company (nationwide) were awful – queried everything and made it worse than the robbery.

Anyway we were very grateful that it made a terrible experience less bad and I have been with them ever since.” – Miss Arnold


 

“I recently got a home insurance renewal from Direct Line for over £800. I went online and quote a quote from them for £950+ . Then using the exact same information with my wife’s name, the quote was under £300. I was told the individual person had nothing to do with the price, only claim and property information. After a complaint and the company looking into the issue it seems that they ‘align’ online quotes so you only see the rip off renewal price and not the price a new customer would pay. Direct Line effectively tried to rip me off hundreds of pounds for the exact identical insurance. Funny then that after complaining I got another online quote from them in my name and the price was OVER £1400 for the top level. I changed one letter in my name and the price was below £400. I must be on a ‘suckers’ list of customers who auto renew, as I have for the last few years. The person I spoke to in complaints said he had never come across this in over 10 years, which is very difficult to believe. No one ever checking their auto renew price online….. really.

I would give them no stars.
Loyalty does not pay
Avoid Direct Line, there is lots of choice of better performing companies.” – Stella

 


 

What do you think of Direct Line now? Tell us your thoughts below at the comments section. You can also message us!

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Direct Line Home Insurance Policy

Direct Line Home Insurance Policy

Here are all the information that you need to know about Direct Line’s Home Insurance Policy. We believe that the more you are informed about the contents of your policy, the more you will be able to understand it and be able to get the most out of your policy. We are going to start with some policy conditions that you should know about.

 

POLICY LIMITS: A Summary

These are your main policy limits. However, this is just an overview, if you want the whole thing, you must take time to read the full terms and conditions that your insurance agent will give you if you sign up.

Buildings (if you selected this)  
– Alternative Accommodation and Rent              =  50,000 Pounds
– Trace and Access                                                         = 10,000 Pounds
Property Owner’s Liability                                        = 5,000,000 Pounds

Contents (if you selected this)
– Valuables limit                                                              = 30% of contents sum insured
– Valuables single item limit                                     = 4,000 Pounds
– Alternative Accommodation and Storage      = 30,000 Pounds
– Theft from outbuildings                                         = 5,000 Pounds
– Contents Outside                                                       = 2,000 Pounds
– Garden Plants                                                            = 2,500 Pounds/claim, 500 Pound/Plant
– Money In The Home                                                = 1,000 Pounds
– Contents at University, college or                     = 10,000 Pounds
boarding school
– Contents temporarily away from your           = 10,000 Pounds
home
– Downloaded Content                                              = 3,000 Pounds
– Business Equipment                                                = 10,000 Pounds
– Guests’ belongings                                                   = 1,000 Pounds
– Births, Religious Festivals, Weddings, etc      = 10% of contents sum insured
– Tenant’s liability                                                       = 10,000 Pounds
– Employer’s liability                                                 = 10,000,000 Pounds
– Personal Liability                                                     = 5,000,000 Pounds

Personal Possessions ( this one is included in contents)
– Single item limit                                                     = 4,000 Pounds
– Bicycles                                                                      = 1,000 Pounds
– Money                                                                         = 1,000 Pounds

Family Legal Protection
– Legal costs and Expenses                                  = 100,000 Pounds

Home Emergency
– Emergency Call Out                                             = 500 Pounds
– Replacement Boiler                                             = 250 Pounds
– One Night Emergency Accommodation     = 250 Pounds

Travel
– Maximum Age                                                       = 64 years
– Emergency Overseas medical expenses  = 5,000,000 Pounds
– Cancelling a journey, curtailment, or        = 5,000 Pounds
Abandonment
– Delayed Departure                                             = 200 Pounds
– Missed Departure                                                = 600 Pounds

Now, we move on to some important information that you must be aware of.

Your home insurance contract is made up of three parts which are these policy conditions (yes, the ones we are discussing now), your schedule, and your proposal confirmation. Once you have signed up with Direct Line, be sure to check the information that they have given you if the details are correct. If you find something lacking or if there has been a mistake, it would be the best move to inform your insurance agent immediately so that it can be corrected.
If you have read other articles in this website, you are probably tired of us saying to give honest and accurate information to your insurance company. If Direct Line finds out that you concealed something, they could easily invalidate your policy, they can also reject your claim, and they will not pay your claim in full. That would cause trouble for you if you really need their help the most. 

 

Please know that they Direct Line policy will not be covering the following:

  • Wear and Tear
  • Maintenance and/or routine decoration
  • Reduction in value
  • Damage that is caused by rot, fungus, woodworm, beetles, moths, insects, or vermin.
  • They also won’t be covering for the cost or repairing or replacing any item that follows a mechanical or electrical fault or breakdown, or where it has failed or stopped working despite there being no apparent damage.
  • Any damage that has been caused by cleaning, dyeing, renovating, altering, re-styling, repairing, or restoring an item will not be covered by the insurance company.
  • Any tearing, scratching, chewing, or fouling by any pet will not be covered by the company.
  • Any damage that has been caused gradually that you ought to have been aware of and that it was reasonable to prevent it will not be covered by the company.
  • Items that have been made from faulty workmanship, or faulty design or even the use of faulty materials will not be covered by the company
  • Items that have been held or used for business purposes except those listed as business equipment in the definitions.
  • Any drop in the market value of your home that is caused by the rebuilding or repairing damage to your buildings.
  • Any loss, damage, or legal liability caused or has been allowed to be caused, deliberately, willfully, and maliciously by you or a guest.
  • Any loss, damage, or legal liability that resulted from illegal acts of you or any paying guest or tenant.

 

HERE IS A QUESTIONS THAT IS FREQUENTLY ASKED:

*** HOW WILL I KNOW IF MY CLAIM IS COVERED BY MY POLICY? ***

“Wherever possible, Direct Line will let you know during your first call to them whether your claim is covered by your policy or not. However, before you call them it would be great if you can read through the policy booklet (they will give you one) along with your schedule of cover. This might help you find the answer without having to ask. If you are still unsure, you can call their claims advisers. They have an excellent knowledge of the covers that you have agreed to with Direct Line.”

If you have any questions, allow us here at Best Insurance Deals to answer it, you can leave a comment below or send us a message. Don’t forget to subscribe to us! Have a great day!

More related information:

Direct Line Home Insurance Reviews

Direct Line Home Insurance Quote

Direct Line Home Insurance Plus

Direct Line Home Insurance

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Direct Line Home Insurance Quote

Direct Line Home Insurance Quote

You can get a Direct Line home insurance quote in minutes! All you will need is a strong connection to the internet and a device that will connect you to the internet. If you already registered into Direct Line’s website, you will have to log in to be able to see your quote or they call this as the “Retrieve A Quote”. You will need your E-Mail address (the one you used to register) and your chosen password combination. Once you have successfully logged in, you will be able to retrieve a quote and also get new quotes! If you haven’t registered yet, it would be the best move to do so.

 

In the registration, you will be asked about a few personal details like your first name, surname, date of birth, post code or more known as your ZIP code, and your online customer code. Don’t know your online customer code? Why don’t you check out your policy schedule? You will usually find it there at the top right hand corner.  If it isn’t there, you can simply request it. Don’t worry, you will see the request button once you are filling up the form. After you have filled that up, we move on to your log in details. You will need to provide a valid E-Mail address, a password of eight to ten characters. And finally, for added security, you will select a security question from a drop down menu and give you answer. Don’t let anyone else know the answer and question in your security question. When you are finished, be sure to click DONE.

 

If you are a completely new user or new customer, you need to find the GET A QUOTE button instead of the RETRIEVE A QUOTE. The button is read so I’m sure that you will easily see it. There’s also a chat option around the corners of the page that you can click if you need any assistance while filling the form up. The first set of questions will be all about it. It is a must that you answer every question honestly. You will need to provide your name, date of birth, E-Mail address, contact number. In the next one, you will be talking about your home. For example, you will be asked for your ZIP code, if your property is a listed building, how many people live in your home, how many children live in your home, if you own it or if you are renting it, the approximate year the home was built, the property type, what the exterior walls are made of, if there is any part of your roof that is flat, how many bathrooms you have, how many bedrooms you have, if you want to add a joint policy holder, and finally when you want your cover to start.

 

In the third part of the form, they will be asking about claims. They will ask you about the number of claims that you have made or any losses you have suffered in the last 3 years by yourself or anyone who is living with you. How many years you had that was claim free on both buildings and contents insurance. In the fourth part, they will be asking about your pets (if you have any), professionally installed and maintained alarm system in your home (if you have any), and if you live with someone who already has a Direct Line policy (this can earn you a discount!). Finally, the last part will be a brief notification about your privacy. In this part, Direct Line will be informing you how and what they will use your information for and what terms can be covered. Take note that they may exchange your information with other insurers, reinsurers, and other carefully selected parties in order to manage your policy and offer you the best possible service. They will also be obtaining information from you about credit reference agencies to check your credit status and identity. Don’t worry, your credit standing will not be affected.

 

Note that from Time to Time Direct Line will be sending your notifications on offers on their other products and services that they believe will be beneficial to you, and these come from their other UKI owned brands. You can also opt out of receiving these alerts, no worries.

 

What do you think of Direct Line now? Is it the insurance company for you?

 

If you don’t want to miss any articles about Direct Line, be sure to subscribe to us here at Best Insurance Deals! If you have any questions, feel free to leave a comment below or send us a message! Have a great day!

More related information:

Direct Line Home Insurance Reviews

Direct Line Home Insurance Policy

Direct Line Home Insurance Plus

Direct Line Home Insurance

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Direct Line Home Insurance Plus

Direct Line Home Insurance Plus

If you want to get a home insurance policy from Direct Line, you have to know that you can choose between three products which are (1) Home Insurance, (2) Home Insurance Plus, and (3) SELECT Premier. Today, we are going to be focusing on Home Insurance Plus. This is the second product of the company that you can get. Should you really sign up with Direct Line? What kind of company are they? Let me tell you a brief history about the company. Direct Line started from scratch in the United Kingdom in April 1985 and all they had was a single product at that time, which was car insurance. You could only purchase car insurance with the use of a telephone. Just like any other company, Direct Line opened it’s company with only 63 employees and they only had a single call center which was based on Croydon. Such small beginnings for a successful company today.

 

Presently, Direct Line has hired more than 10,000 employees. They have stopped focusing only on Car insurance but instead they have branched out to other insurances like home, pet, travel, life, breakdown, landlord, and a business cover. Instead of just having a single call center, they now have multiple call centers and you can reach them online now. Direct Line has grown into being the leading direct car insurer.


Did you know that a Direct Line policy is being sold every 10 seconds?


 

 

Now, let us discuss more about the Home Insurance Plus product. Choosing this one will give you all the cover that you’d expect, but also a lot of cover that you wouldn’t expect. What comprises this coverage? Well, in general it will have a home emergency cover, personal possessions cover, accidental damage cover, and also family legal protection cover as a standard. However, that’s not all, since it is a PLUS, there are some other specific protection that are included in this product.

 

  • UNLIMITED BUILDINGS INSURANCEWith this coverage, you will be able to give protection to the main structure of your home. You will be getting an unlimited buildings sum insured for rebuilding or repairs to your home after being damaged by the following:- Fire, lightning, or an explosion
    – Storm or flood damage (however, this excludes fences and gates)
    – Theft and Vandalism
    – Subsidence or heave
    – Escape of water or oilAside from that, this will also cover:

    – Garages and outbuildings
    – Any permanent fixtures that you might have like kitchens, bathrooms, and built-in wardrobes
    – You will have a 50,000 Pounds cover for an alternative accommodation for you and your family if necessary.
    – You will have a complete access to their 24 hour emergency helpline

  • CONTENTS INSURANCE UP TO 100,000 POUNDSThis will be responsible for covering the value of all your possessions that can be found in your home. To be specific, you will be getting:- A 100,000 Pounds cover as a standard
    – Cover on new for old basis like for household goods (furniture, carpet, etc), and other belongings in your home, garages, and sheds. This includes clothing.
    – A 1,000 Pound cover for cash in your home
    – A 2,500 Pound cover for any garden items
    – You will also have a cover against fire, smoke damage, and lightning. Theft, flood, and leaking oil or water will also be covered,
    – You will have an unlimited cover for fridge and freezer contents.
    – You can get replacement locks and keys if your keys have been stolen or you have lost them
    – A 10,000 Pound worth of cover for your children’s contents when they are living away from home at a University. There will be no registration needed. This will be automatically included.
    – You can also expect an automatic 10% increase in contents cover for several weeks either side of religious festivals, family weddings, and the birth of your child.
    – You will also have an access to their 24 hour emergency helpline.
  • PERSONAL POSSESSIONS COVERIt’s not just your house that needs protection, but also the contents that needs protection. This cover will include protection on your jewelry, cameras, watches, mobile phones, and even golf clubs. Your bicycle will also be covered up to 1,000 Pounds per cycle. Lastly, a 500 Pound cover for lost or stolen money.
  • ACCIDENTAL DAMAGE COVERThis will give you an extra cover for little accidents like spilling coffee on your computer keyboard, or putting your foot through a ceiling, or staining your carpets and sofa with red wine.
  • FAMILY LEGAL PROTECTIONYou will have access to a 24 hour confidential advice line for you and your family. Your legal costs will also be covered up to 100,000 Pounds to help you with faulty goods or services that you’ve bought (this includes any holiday packages). You will also be able to make employment claims which includes unfair dismissal, redundancy and discrimination on the grounds of sex, race, or disability.
  • HOME EMERGENCY COVER UP TO 500 POUNDSYou can trust that Direct Line will be there to help you put things back to normal if they go wrong. You will have a 500 Pound allowance which will cover the cost of call out, labour, and parts. This will also include your plumbing and drainage, heating and electrics emergencies, infestation by pests such as wasps or rats, and even for security emergencies such as lost or stolen keys.

If you want more information about Direct Line, be sure to subscribe to us so you won’t miss a post! If you have any questions, be sure to drop a comment below or send us a message! We will do our utmost best to answer your questions and reply as soon as we can! Have a great day!

More related information:

Direct Line Home Insurance Reviews

Direct Line Home Insurance Policy

Direct Line Home Insurance Quote

Direct Line Home Insurance