Thursday, 29 September 2016

Trip Cancellation Insurance with Any Reason

Cancel for Any Reason

We can offer trip cancellation insurance for any reason. If you change your mind and want to cancel the trip, that's okay. Here are terms and conditions:
If you decide to cancel your trip for any reasons other than a Covered Risk listed in this Policy, the company will reimburse up to 50% of either a) or b) below, whichever is less:

a) Prepaid travel costs which are non-refundable and non-transferable to another date; or,

b) Up to the sum insured selected before departure which is non-refundable and non-transferable to another date.

CONDITIONS
1. Insurance must be purchased on the date you book the trip or within 10 days after you make your initial trip payment.
2. You  must cancel the trip more than 10 days before your departure date. 


Please contact at 1-888-298-6526 or email us.
Bridges International Insurance Services 

Saturday, 24 September 2016

Filing Insurance Claims on Car Accidents

Policyholders are wise to carefully read and comprehend the policy procedures before taking out insurance coverage. The procedures will offer information, including exclusions of what the policy will cover.

The majority of companies that offer car insurance have various exclusions, rules, and regulations listed within the policy procedures and brochures. The companies also provide a 24-hour claims line where the customer can call anytime to make the company aware that an accident has occurred and a claim is in the making. The services may provide a measure of help to complete the forms. If you notify the company first, they will save you time by sending you an "accident report form." This form will provide detailed instructions and once it is completed, it is important to send the form back to the company immediately.

You will need proof, evidence and any other information to support the information provided on the claim form. It is recommended that drivers carry with them at all times a working camera to take pictures of the accident. The companies will have a foot to stand on if you have pictures detailing the accident. Third party accidents are "word against word" therefore, any linking evidence is vital to protect you against liability.

If possible, send any receipts of the accident, or other documentation, sending only copies to the insurance company. Keep the original copies of the accident in a secure habitat for your own records. Many insurance companies that offer car coverage may make their own recommendations to garages for repairs. Thus, the company is taking your word of the damaged caused and therefore, the referrals have only the details giving to the company by you. Many insurance companies require that at least two estimates are provided to them and these estimates are required to be sent back to the company for disbursement. Some insurance companies will leave it up to the policyholder to find the garages, get estimates and submit these estimates to the company. However, if the company recommends the garage, then the policyholder is wise to take the vehicle to this garage to avoid problems.

If you have an accident and it is not your fault, know the steps to protect yourself. Drivers are encouraged to drive safely; however, no one can predict what another driver will do. The first step to take if an accident does occur is to review your procedures and brochures giving to you by the company, thus making sure you have adequate coverage. If you have third party coverage, then only the passengers in your vehicle are covered as a rule. Thus, you will be responsible for any repairs on your car if you have third party coverage. On the other hand, if the third party driver is at fault, then his insurance policy should cover you unless he has no coverage at all.

If you have full coverage or comprehensive coverage then the policy will cover maximum damage including personal injury in most instances. Drivers are advised avoid panic if they are in an accident. An unstable mind will lead to confusion, and sense legal issues are involved you want to remain calm. The drivers are expected to provide copies of insurance, as well as give the officers (if applicable) a vivid detail of what occurred.

It is important to call the insurance company hotline to report the accident. Be sure to gather all pertinent information, including medical treatment reports, police reports, and other vital details, gathering them to submit to the insurance company. Do not confront or contact the third party involved at any time during the claim procedure to avoid default. If you have witnesses make sure you submit their names, address, phone numbers and any relative details to the company along with the claims. If possible, ask a pedestrian outside of the accident to provide written notes, defining the arrangement the cars were in at the accident. Finally, note the third party drivers "plate number," and any other information you believe will help you during the claim investigation. It is also important to note any relative charges against you during the accident if you are in fact somewhat to blame.


Tuesday, 20 September 2016

How your phone can save your life.




The Smart Phone is a modern marvel, but did you know it could even save your life? 

From making calls to checking emails, Apple’s iPhone is the digital equivalent of a Swiss army knife. And much like that multi-function tool, the iPhone can even help in an emergency.

1. Ask Siri to call for help

If you can’t reach your phone and have an iPhone 6S, Siri can call for help for you. Just say ‘Hey Siri’ and tell it the number to dial. 
Earlier this year, a US teenager who was trapped under his truck with his iPhone in his back pocket, used Siri to dial the emergency services. To use Siri this way, enable voice activation by tapping Settings > General > Siri and turn on Allow ‘Hey Siri’. 

2. ICE your iPhone contacts

It’s always a good idea to have an ICE (in case of emergency) contact on your iPhone. Medical staff will use this to contact the person for your medical history. 
Tap Contacts and then the plus sign + to add a new contact. In the name field, type ICE (or ICE 1 if you’ve more than one ICE contact), then add their number.

3. Add a Medical ID

New iPhones (and iPhones running on the iOS 8 operating system update or later) include Medical ID, which lets emergency staff view medical information, such as conditions and allergies, along with emergency contacts. This is handy if your iPhone has a screenlock that prevents others from accessing your ICE contacts. 
The Medical ID page can be found on the Emergency Call screen, which is accessed by tapping Emergency at the bottom of the Lock screen.  
To create a Medical ID, tap the Health app on your iPhone and then Medical ID at the bottom of the screen. Tap Create Medical ID, add the relevant information and turn on Show When Locked to make your Medical ID available from the Lock screen.

4. Use the Health app

The iPhone’s Health app keeps all your health information in one place – useful for monitoring your health and allowing medical staff to view medical conditions. 
Data from fitness, nutrition and health-tracking apps such as heart rate monitors is automatically added, as are details of your physical activity compiled by the iPhone’s own step-tracking sensors. 
You can add data manually, by going to Health > Health Data > Vitals > Add Data Point.

5. Turn on location services 

Location services use your iPhone’s built-in GPS to track your location – useful in an emergency should you need to know where someone is. 
Free personal safety apps, such as bSafe, use location services to monitor your movements when out, alerting nominated friends should you need help. 
Alternatively, if you go missing, Apple’s Find My iPhone feature allows others to pinpoint the location of your iPhone and start looking for you.

6. Send an emergency text

If faced with an emergency in a remote area with poor mobile reception, send a text message instead of dialing 999. 
Texting requires less signal strength and your iPhone will keep trying to send your message so there’s more chance of it getting through. 
Sign up to the free EmergencySMS (www.emergencysms.org.uk) service, which relays your text message straight to 999 operators.

7. Use health advice apps

There are tons of emergency advice apps available for your iPhone. 
The British Red Cross app offers essential first aid tips and the British Heart Foundation PocketCPR app guides you through life-saving CPR.
Diabetes Buddy can help you manage your diabetes, while the NHS’s symptom checker app helps you decide if it’s time to see a doctor.

For competitive Travel Insurance Quotes - click HERE

Monday, 19 September 2016

Pacific Blue Cross Travel Insurance - Members discount!

Here are some exciting news, Pacific Blue Cross members who purchase travel insurance through us will now get the same 10% member discount that they receive when purchasing direct.

Pacific Blue Cross is BC's number ONE health benefits provider.

The travel member enjoy:
  • $10 million in Emergency Medical
  • Plan options without a deductible
  • Flexible trip length to fit their needs
  • Coverage for preexisting conditions
  • 24/7 Emergency service in 100+ languages
  • Free coverage for kids under their plan

Please contact our Vancouver office for all BC residents. If you are a Pacific Blue Cross member, please let us know.

Phone toll free: 1-888-267-4461  : email info@biis.ca

Bridges International Insurance Services

Monday, 5 September 2016

Types of life insurance

Have you been insured? No? You should do that immediately. You should take an insurance life policy for the people you care about and love. More so, it will be of your own benefit. In definition, a life insurance is a policy contract between an individual and an insurance company. An insured individual pays premiums which will later be paid back as benefits upon death of an insured person.



To understand the concept of life insurance, there are certain things you must know. They include:

Insurance quotes

Insurance quotes are the standards of premium payment and benefits afterwards in accordance to the insurance policy selected. Different companies have different insurance quotes for their customers. You should select an insurance quote that best suits your needs and financial stands.

Insurance rates

The premiums payment for any insurance policy depends mostly on the health of an individual. However, other factors such as occupation and age will also count on the life insurance rates offered by any company. It is worth noting that insurance rates can be altered whenever an insured individual’s health changes.

Types

Generally, there are two main life insurance policy offered by most insurance companies. These are:

Term life insurance

If you are looking for an insurance cover for a certain period of time, then term life insurance is the ideal one for you. It offers protection for a specified period. Mostly, them life insurance policy offers protections for a period up to 20 years. Before then, death of the insured individual will attract their benefits. However, if anyone stops paying for premiums, his/her insurance cover will be terminated even before the end of their insurance term. In this type of insurance, you will be able to;

Have guaranteed coverage during the insurance time.

Additional cover apart from the employer’s insurance life policy.

Unchanged benefits after the period expires.

Financial support for a period time.

Permanent life insurance

This is a type of protection for as long as you live. There are two forms of permanent life insurance covers. They are:

• Whole life insurance

These are protections policies that covers all insured people for all their lifetime as long as premiums are paid. More so, it ensures level premiums throughout. Insured people have guaranteed protection. There are other forms of whole life insurance that accumulate cash, and one can even borrow loans through them.

• Universal life insurance

This is a flexible lifetime insurance cover. Certain policies of this insurance cover can be changed to suit the needs of the insured individual. This is the best lifelong insurance cover which allows individuals to change even level of coverage and the premiums paid.

According to any particular insurance cover selected, the insurance beneficiaries are the ones indicated on the insurance policy. Death of an insured individual will attract benefits for his/her loved ones. The money paid as benefits can be used for the following purposes:

܉Payment for the funeral arrangements and burial of the insured death person.

܉Covering the rest income time.

܉Used for payment of school fees of insured children.

܉Used for general purpose with the insured’s family.

In conclusion, life insurance has provided guaranteed protection for many families around the world. Choose to protect those you value most on your life using any particular insurance cover.

TOP TEN AUTO INSURANCE COMPANIES

Every car in the country has to be insured if at all it is going to be used on the road. There are many insurance companies to choose from. One of the best ways to locate a good insurance company is reading reviews of some of the tops service providers. Take your time to compare car insurance quotes offered by different companies. This will help you to make an informed decision at the end of the day. If you have been looking for the best car insurance online quotes, then your search should end here. This article has outlined top ten auto insurance companies in the US.

1. Allstate

For many years, Allstate has been among the leading insurance companies in the country. The service provider offers a wide range of policy options that suit the needs of different car owners. They also offer different insurance packages. This makes it easy to find one that will meet your needs.

2. State Farm Insurance

The insurance providers offers clients with attractive discounts and various policy options. The insurer ensures that customers get plenty of packages thus making it easy to select the best.

3. Government Employees Insurance Company

Geico is an insurance companies managed and owned by Berkshire Hathaway. It offers private auto insurance in different states of the US. If you want the least expensive insurance, do not look beyond this service provider.

4. Progressive

The multinational insurance provider offers auto, watercraft, bike, snowmobile and Segway insurance. The company was started in the year 1937. Since then, it has become a leading insurance provider in the United States of America.

5. Nationwide

Founded in 1925, Nationwide Insurance is among the largest financial organizations in the entire world. The company keeps its customers happy by offering them with a wide range of policies at a low cost.

6. AA Auto Insurance

American Automobile Associations is an insurance company that mainly deals with auto insurance. The nonprofit oriented organization offers different services including first aid, emergence road services and towing just to mention some of them. Founded in the year 1902, the insurer understand your needs.

7. Liberty Mutual

Started in 1912, Liberty Mutual is among the oldest company in the nation. It covers auto insurance, home insurance and other forms of insurance. It provides customers with comprehensive auto insurance at competitive rates. It also offers services in 20 other countries of the world.

8. 21st Century Insurance

Our list of the best auto insurance companies will be incomplete without mentioning this insurer. It works in collaboration with top auto insurance providers to ensure that you get high quality services.

9. GMAC

GMAC was founded in 1939 and has grown to become a world spanning conglomerate. The service provider has made their customer needs a top priority. In addition to being one of the best companies, they offer a wide range of insurance products.

10. American International Group

AIG promises customers major saving compared to its competitors. The main focus of the insurer is providing you with low cost insurance policies. It offers services in more than 130 countries of the world. In addition to car insurance, they also provide customers with retirement as well as asset management services.