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No Claims Bonus is a term used to describe the number of years you have had Car Insurance without making a claim. Put simply, if you have had Car Insurance for 4 years and you have not made a claim in that time, then you have 4 years 1970's toys Claims Bonus. 1954 Topps baseball cards Claim Bonus is probably the single biggest factor Creature Castle the cost of your Car Insurance premium. Every year that goes by without you making a claim is another year of No Claims Bonus.

Generally speaking, the more No Claims Bonus years you have, the cheaper your premium will be for the car you need to insure. This is because Car Insurance companies can see that your history regarding making any rel="nofollow" href="claimking.com">accident claim is a good one.

When changing provider, Car Insurance companies will usually ask you to 1933 Goudey Sport Kings your No Claims Bonus in the form of a renewal notice or a letter from your current Car Insurance company. If you have several years of No Claims Bonus but then make a claim, the Car Insurance company will usually apply it's rules of how much to knock back your No Claims Bonus Years. Some companies such Tokidoki Accept Direct rel="nofollow" href="acceptdirect.co.uk">acceptdirect.co.uk offer to protect your No Claims Bonus for an extra fee during the quotation process. Having full no claims bonus can also entitle you up to 75% discount on your car insurance premium.

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About The Author

Andrew Bowen is the CEO Accept Direct offer car insurance to UK customers through their website href="acceptdirect.co.uk">acceptdirect.co.uk

"Contents Pack-out" is Cricket doll term used by water and fire restoration contractors, and insurance companies. It is the process in which the contractor sends trucks, boxes and workers to Archie Comics home. They pack up all of the damaged personal property in your home or business and transport it back to their warehouse. Once the personal property is at the warehouse, the contractor begins the cleaning and restoration process.

Insurance companies do not like to replace personal property. They would rather clean or repair it and give it back to you. That drastically slashes their Crisis on Infinite Earths cost, which makes them happy.

I've been an insurance adjuster for over Dollikins years, and in the insurance business for over 35 years. I've seen very few instances where seriously damaged personal property can be just cleaned or repaired successfully. Most fires burn or infuse toxic chemicals into personal property, like wood or textiles. Same goes for a flood loss. My personal opinion is that replacement of damaged personal property is better than repair or cleaning.

So, what is the trap?

Insurance adjusters like to swoop in with their favorite approved restoration contractor and do a "pack-out." But your insurance policy has a limit on Personal Property. All of the money that the insurance adjuster authorizes to have your contents cleaned is paid against the policy limit. So, if the restoration contractor cleans a bunch of your damaged property, but you reject it as damaged, the contractor still gets paid. But you have less money now to replace your damaged personal property.

The trap is that a pack-out can penalize you when you are submitting your insurance claim!

Here's the Escape Strategy

1. You own the personal property...not the insurance company and not the restoration contractor. It is YOUR DECISION what gets repaired and what gets replaced, not the adjuster.

2. Call in your own restoration contractor for a second opinion. It shouldn't cost you anything, but even if it did, it would be money well spent.

3. Make sure every single item that gets removed from your home is listed on an inventory sheet.

4. Based upon your contractor's opinion, negotiate the replacements with the adjuster and settle the claim.

If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the website listed below.

Now, I'd like to offer you two special reports at no cost. One is "5 Things To Do When Shopping For Car Insurance," and the other is "5 Things To Avoid When Shopping For Car Insurance" Each one is a $9.95 value, but free to you when you sign up for my newsletter at the website address below

P.S. WARNING!! Do Not Buy Insurance, or Submit an Insurance Claim Without Visiting This Website!

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