Insurance for planning a trip to a popular ski resort

If you’re planning a trip to a popular ski resort in Europe with friends or family, why not travel together in a minibus. It can be better value for money if everyone chips in to hire a minibus rather than paying individually for air fares or train tickets. Costs like insurance, fuel and ferry fares can be shared and it will add up to a lot less for each person than most other forms of travel. Not only this, it’s also great fun. Driving through Europe with friends and family becomes a real adventure. Unlike travelling by air or rail, you’ll be able to really experience the countries you pass through. And it will become a holiday in itself even before the skiing starts!

This article is a brief guide to things you need to know about minibus insurance if you’re planning to drive to Europe in a minibus.

Don’t get confused between minibuses and people carriers. A minibus is defined as a vehicle that can carry at least seven seated passengers, but not more than sixteen. If the vehicle has more than sixteen seats then you’re driving a bus!

If you’re travelling with friends and family there are obviously no fare paying passengers. Remember to tell your minibus insurance provider this as the journey will be classed as private and non-commercial. This makes a difference when your premium is calculated.

There are a number of essential documents, as well as the minibus insurance certificate, that the driver must carry when driving from the UK to a European destination. If you’re travelling only within the European Union member states and the ASOR European Union signatory states, which includes Turkey, Norway and Switzerland, you’ll need a “waybill” that acts as a “control document”.

A Green Card, while not necessarily essential for the trip, will serve in the EU as recognised proof of your valid minibus insurance. It will also make any claims that may arise much easier to deal with. Remember that every country has its own local driving laws that you should be aware of. Your minibus insurance will depend on all local laws being observed.

For international journeys originating in the UK, the minibus insurance will depend on the driver complying with EU drivers’ hours whether or not the driver is being paid. This means that a properly calibrated tachograph needs to be fitted to the minibus. Insurance claims are not likely to be honoured if the proper drivers’ hours are not closely observed.

It is important to carry all the documentation required for the journey. The “waybill” has already been mentioned. If the minibus is owned by a member of the group and not hired, then an Own Account Certificate (OAC) is required. The vehicle registration document should also be carried along with a European accident form. Remember that the minibus will need to have a prominent GB sticker displayed.

Using a minibus to drive to a European ski resort from the UK is simple, cost-effective and fun for all concerned. However, for minibus insurance purposes, it is essential that you comply with the local laws and carry the correct documentation at all times.

Travelling Overseas And Think You’re Already Covered For Medical Insurance

The medical insurance you take out when you travel overseas is a whole different ball game to the medical, hospital cover you have for everyday life.

Australian citizens are covered by medical insurance through the Australian Government”s Medicare program, but some first time travellers are at risk of leaving themselves wide open to financial hardship through not realising this cover doesn”t extend to overseas destinations.

Neither do the private funds normally cover their members for overseas travel and advise that international travel medical insurance needs to be taken out through a reputable international travel insurance company.

What Should Your Overseas Medical Insurance Dollar Cover

Industry veterans, 1Cover travel insurance, say, medical insurance is the “base line” component in all travel insurance. It covers the events that have the potential to leave you and your family anywhere from seriously out of pocket to being in desperate financial trouble.

Basically, all medical travel insurance should provide:

* Unlimited cover for hospital expenses for accident and sickness and all medical expenses related to the accident or illness.

* Unlimited cover for emergency evacuation. What this means is if you have an accident or fall ill either a considerable distance from a hospital or medical help or from a hospital or medical assistance of an acceptable standard, all the frame work is in place for you to call in specialised assistance. In some instances this also includes transportation back to the country of origin. In addition, all relevant expenses are covered. Given that costs can be in the hundreds of thousands, this is a vital component of the cover.

* Health travel insurance should also cover a component of the costs of dental work resulting from an accident during the duration of your overseas travel.

* Repatriation. This is a sombre word for a sombre eventuality. It would be nave of any traveller to totally dismiss the possibility of dying while overseas. Repatriation covers the costs of returning a deceased persons body to their country of origin. Not cheap!

* Personal Liability. Once again, it would be nave to think you would always be on the receiving end in an accident. Personal Liability covers you in the event you”re the one who knocks over the statue of David or gives the Leaning Tower of Pizza its final shove. Don”t leave home with anything under a million.

Most companies will provide you will a free quote on medical insurance, often online, and provide you with the full run down on their policy. So, don”t get the two confused and think you”re cover is winging overseas with you when it”s actually grounded back in Australia.

Green Car Insurance The New Way Forward

Nowadays everyone is looking for a way to make their lives a little greener, and there are hundreds of ways to go about it. Previously making a difference to the environment focused on recycling your wine bottles and changing all your light bulbs to the energy saving variety.

Fast forward a few years and there are now hundreds of weird and wonderful ways to save the planet. Holiday companies offer you the opportunity to offset the carbon emissions from your plane journey by paying a small sum which could be used to plant trees.

Supermarkets offer incentives in you take back your plastic bags for another shopping run. Even banks have been known to entice customers with green accounts which pay a small dividend to various green causes. It seems that across all areas of a persons life there are ways to make it greener, and now that even extends to cars.

Motoring has never been thought of as a green pursuit. In fact for years driving your car was considered one of the worst ways to pollute the environment. In particular anyone who purchased a 4×4 vehicle; once the preserve of country folk and now the fashion accessory of trendy young mums; was considered positively against the environment. But things have started to change. Firstly a new range of green cars were released onto the market, which included fuel hybrids that claimed to be less polluting. Next came small city cars, some of which could run on electricity, which were defiantly less polluting. There was a brief spell when auto-gas was available as a lower cost lower pollution option.

Now there are websites springing up all over the internet offering advice on how to navigate through the green car maze and choose the best environmentally friendly motoring option for you. And it is not just the younger generation who are in on the act, driving greener cars has become popular with people across the board.

It was not surprising considering the way things were going, that after the introduction of green cars, green car insurance would follow. One such insurance provider is The Green Insurance Company, who claims that they will offset the environmentally unfriendliness of any car insured with them by planting trees. In addition they give 5 percent of their profits to charity and offer cheaper insurance deals for drivers of low emission vehicles.

The company has been built on an ethos of reduce, recycle and reuse and acts on this by recycling as much of a cars metal as possible if it has been written off and encouraging the use of reconditioned car parts where possible. It almost sounds too good to be true. Could this be the new way forward for car insurance, where green behaviours are rewarded with additional discounts and continual action to save the environment is carried out as a major part of the business. It seems that with the current popularity of the green trend amongst all sectors that this could be the case.

Dental Insurance Coverage

Nowadays dental treatment expenses can be so high that some people choose to go without dental care all together in order to save money in this tough economy. However, your dental health is too important to neglect for the sake of saving some money now only to have dental problems compound and overwhelm you later.

Assuming a normal physical baseline, maintaining a healthy mouth leads to a healthy body. Once there are decays in teeth, gum disease, and / or teeth misalignments, these problems promote inflammation that can be presented by the body as dental pain, headaches / migraines, sleep deprivation, hypertension and other health complications. As the leading family / general dentistry and cosmetic dentist in Ladera Ranch, Dr. Soheyla Marzvaan at the Orange County Cosmetic Dentist can help you find a way to get the care you need without breaking the bank. With Occosmeticdentist.com, you can find great benefits as described below:

Orange County PPO Dental Insurance and Financing: Dental coverage is just as important as health, home, and auto insurance. Having dental coverage entitles you to regular check-ups, x-rays, and cleaning. Depending on the plan, it also covers a significant amount of fillings, dental implants, and other necessary procedures. Since various dental insurance companies have varying coverage with advantages and disadvantages, the OC Cosmetic Dentist office accepts most Orange County PPO dental insurances like Aetna Dental and Delta Dental. Other OC dental insurances accepted are Blue Cross, Blue Shields, Ameritas Dental, Metlife and many others. Call 1-888-599-1703 to find out if your PPO dental insurance is accepted by our office.

The OC Cosmetic Dentist office also offers financing programs for patients who do not have dental insurance. We have helped thousands of patients from Rancho Santa Margarita, Mission Viejo, Ladera Ranch and throughout the OC in dealing with their dental insurances and financing to improve their dental health and smiles. Our services range from full mouth reconstructions, dental implants, smile makeovers, to regular exams, dental cleanings and more.

Maintain a Healthy Lifestyle: With dental insurance accepted by the Orange County Cosmetic Dentist, you can now have the healthy teeth, gums and cosmetic dentistry you have always wanted. We pride ourselves on being the best family, general and cosmetic dentist in Mission Viejo, Ladera Ranch, Rancho Santa Margarita and in the OC. So we are happy to take care of dental work for your entire family, and instill in them a lifelong habit of good oral hygiene.

New Patient and Existing Patient Specials: We offer various specials to new and existing patients to help them offset some of the costs of good dental care. Consider this our thanks to our clients for choosing us for all your family, general and cosmetic dentistry needs in Ladera Ranch, Mission Viejo and Rancho Santa Margarita. Contact us at 1-888-599-1703 for more information about our dental specials.