20% of the Population may have worthless cover

Up to 20% of the population may have worthless insurance cover! It is always a condition of any insurance policy that criminal convictions are disclosed to insurers, it does not matter whether they specifically ask you or not, you must disclose otherwise the insurance contract is NULL & VOID and any claims will not be paid.
Perhaps the buying public are not aware of this particularly as insurance bought online or from mrtgage lenders skirts around this issue but if you buy that sort of policy you are just wasting money ! When online always check out the Policy Document before buying.

You may they feel that when you disclose convictions the premiums will increase drasticaly. Also you must remember this does not just apply to the policyholder but also any family
member who resides in the home and has a criminal conviction.

Knowledgable help is often available from specialist insurers who deal with less than usual risks on a daily business, such as Adrian Flux Insurance. They can usually off a more understanding service and will quote for most convictions, and in some cases clients find that they can pay less
once they disclose convictions than they were paying before disclosure.
Adrian Flux can be contacted on 0800 089 0184.

Tesco Car Home and Pet Insurance Offers

Tesco Personal Finance have announced the following time limited promotions to their Personal Lines Insurance range, so don’t delay get a quote today.

STANDARD CAR INSURANCE - £50 GIFTCARD TO SPEND AT TESCO PLUS 15% ONLINE DISCOUNT WHEN A POLICY IS PURCHASED. Terms and conditions apply and the offer ends on 1st April 2009. Get a Quote >

STANDARD & FINEST HOME INSURANCE – £50 GIFTCARD TO SPEND AT TESCO PLUS 35% ONLINE DISCOUNT WHEN A BUILDINGS AND CONTENTS POLICY IS PURCHASED. Terms and conditions apply and the offer ends on 1st April 2009. Get a Quote>

PET INSURANCE - £10 GIFTCARD TO SPEND AT TESCO PLUS 20% ONLINE DISCOUNT WHEN A POLICY IS PURCHASED. Terms and conditions apply and the offer ends on 4th March 2009. Get a Quote>

And of course Tesco do quote online for residents of Northern Ireland.

Tips for Cheap Motor Insurance Northern Ireland

Here are some great tips for cheap motor insurance Northern Ireland so anyone can save money when looking into taking out a policy. Residents of Northern Ireland have long suffered from high premiums for their insurance mainly due to the unrest in Northern Ireland. Many years ago this was due to cars being stolen on what was seemed to be an almost daily basis for them to be used as burning barricades. However thankfully there have been many changes in Northern Ireland which now means residents can now enjoy savings not available before.
There are many ways that you as a car owner can help yourself to make savings. One of them begins even before you buy your car. You have to take into account that if you choose to buy a brand new car off the forecourt you would have to take out fully comprehensive insurance. However a cheaper second hand model would allow you take out third party fire and theft cover.
Third party fire and theft is a form of cheap motor insurance Northern Ireland that would provide protection for you against fire and theft along with providing insurance for the third party (a minimum legal requirement). Fully comprehensive car insurance is the most expensive form of insurance protection but it provides the best possible cover for your own car and third parties too.
One of the best tips for cheap motor insurance Northern Ireland is to offer to payout more in excess than what the insurance company is asking for. All insurance providers will include an amount of excess in their policy and this would be the least amount you could pay. By offering to payout more in excess you can keep the cost of the insurance premiums down. The excess is the amount of money that you would have to find out of your own pocket if you were to have to claim on the insurance policy. However when deciding how much excess you want you would have to bear in mind that it would have to be paid  in a lump sum. Should you need to put in more than one claim in anyone year you could of course lose out.
Another way to shave something off the cost and ensure that you get cheap motor insurance in Northern Ireland is to install security devices on your vehicle. You would of course have to payout in the first instance for these devices and it is worth paying out for good quality ones. An immobiliser, a tracking device or a even a steering wheel lock can all go towards ensuring that your vehicle is safe. This means that it is seen as being harder to steal and so you can keep down the cost of the premiums. Parking your car in a garage that is under lock and key will also make your car harder to steal and again can help you to keep down the cost of the insurance premiums. Also taking an advanced driving course can prove your safety record which would also go towards you making savings on your policy with some insurers.