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Believe it or not, the average Brit takes 54 holidays during their lifetime and spends almost £50,000 in the process. Here's how you can cut costs.
As the age of austerity shows little sign of abating, many of us may be forced to sacrifice our annual two weeks in the sun to make ends meet.
Despite the current financial squeeze, however, research from Sunshine.co.uk has found that the typical person takes 54 holidays during their lifetime – costing a whopping £48,940.
Where exactly does this money go?
Flights and accommodation
When it comes to holidays, there’s no denying that flights and accommodation are among the biggest expenses. According to Sunshine.co.uk’s data, the average person spends £450 on flights and accommodation per holiday.
However, there are ways to cut back on your spending. For example, you could consider flying during the week, rather than on a Saturday or Sunday ­– the weekend is normally the most expensive time to travel.
You could also get a better deal if you fly at an unsociable time when fewer people are willing to travel – as long as you’re willing to get to the airport at three a.m that is.
You could potentially save hundreds of pounds on your hotel bill if you opt for a less popular holiday destination.
Spending money
During a typical holiday, the average Brit will fork out as much as £300 on spending money alone.
The trick is to ensure you don’t spend more than you had budgeted for. Putting all your spending on a prepaid card could help you stick within your spending limit.
With one of these products, you load a certain amount onto the card before leaving the UK, which could be useful for those who struggle with self discipline on vacation. If you do run low on cash, you can always top up the card.
Travel insurance
Buying travel insurance is a wise move before any trip and this type of cover could pay out if your luggage is lost or you need to stay in the hospital.
With the data revealing that the average person spends £16.30 on insurance per trip, many of us are already receiving a pretty competitive deal.
However, you could potentially find cheaper premiums by comparing a range of offers before buying your policy. Likewise, frequent travellers may also save by opting for annual multi-trip insurance, rather than paying for each trip separately.
What you might not have budgeted for…
Of course, the cost of your holiday isn’t confined to the obvious big-ticket items and holidaymakers would be wise to factor in other miscellaneous costs too.
According to the research, we each spend a massive £100 per holiday on clothes and accessories. Likewise, the cost of a transfer between the airport and the hotel is typically £20 per person.
Finally, one of the most hated holiday rip offs is still costing us money as Brits are paying £20 per person for airport parking. Although this might not sound too extortionate, it would total £80 for a family of four.
What else can you get for £48,940?
Now just imagine that you had never been on holiday in your life. How else could you have invested your cash? According to Sunshine.co.uk, this money could also get you:
A holiday home in Spain
A luxury all inclusive round the world cruise
A second hand helicopter
4,078 bottles of Nivea sun cream
A private island in South America
48,900 items from the pound shop (with change)
For more articles like this, check out Five of the craftiest holiday cons and Holiday rip-offs revealed.
**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**
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The exuberant post-Fed mood quickly faded on Friday with comments from one US policymaker dampening stocks before the close of trade.
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The Airmax telematics and remote vehicle diagnostics system is to be installed in all Royal British Legion vans as a part of the charity’s ‘Poppy Calls’ service fleet.
The Ford Transit vans are an essential part of helping the British Legion get to its members across the UK who need help with household repairs and installation. The system means the Legion can be informed about unsafe driving within the fleet, regarding such things as acceleration, braking and high speeds.
A spokesman for the Royal British Legion said;
‘Our prime motivator has always been to improve the levels of service that we can deliver to our members in need. The fact that we can now monitor driving style will allow us to detect unsafe driving practise and offer additional driver training where needed.’
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The thought of car insurance premiums do often make motorists cringe- because of exorbitant nature that insurance for vehicles have become. Consequently, high premiums in recent years is a major determining factor. The last decade has seen the steady rise of premiums nationwide at an alarming rate that getting a cheap premium is getting more difficult by the day- without concerted efforts. No matter how pricy car insurance premiums can be- they are still vital for driving any vehicle on the road.
Motor insurance policy is considered mandatory for every motorist in most countries. In the UK for instance, the law enforcement agencies are always on the prowl to enforce drivers have valid insurance policies for the cars they use. The major advantages of being adequately covered are::
Coverage against claims from motorists or passengers looking to exercise legal obligation against a policy holder that is the major cause of an accident in which losses and or damages occurred as a result.
Secondly, it is against the law in the UK to drive a vehicle without a valid insurance cover- offenders can have endorsements on their licence, get a fine, be disqualified from driving, or even imprisoned for severe and unique cases.
Do not drive a vehicle which you do not have a valid insurance policy on. Below are some of the risks you face for driving without an insurance policy:
It can easily become overwhelming for new drivers attempting to get an insurance policy for the very first time. New drivers usually find it difficult to comprehend the terms or wording of their policy document- experienced drivers would be in a better position to interpret it in a simpler language for them. Nevertheless, there are still important things to consider in a policy before even considering to buy it. Below are a few important ones to look at:
Apparently, there is no cheapest car insurance provider. Basically, there are overwhelming variables that can influence the cost of vehicle insurance coverage: who you are, what you do for a living, where you live, the type of car you drive and your driving history, all contribute to what insurers use to determine the amount of premium you pay for your policy. You are now compelled to get the most affordable motor insurance deal possible by:
Knowing the insurance company that can offer you the cheapest quote is like finding a niddle in a haystack. Good number ways you can find discover these elusive low cost quotes will be to minimize your perceived risk factor to the insurance company and compare insurers.
There are so many insurance packages that insurance companies offer to motorist, the package you request would depend on the quote form you’re given, typical examples are: quotes for http://www.cheapcarinsurancex.org/cheap-car-insurance/student, www.cheapcarinsurancex.org/cheap-car-insurance/green + green car insurance, get pay as you go car insurance at www.cheapcarinsurancex.org/cheap-car-insurance/short-term/pay-as-you-go and many more.
Driving whilst under insurance protection is a lot cheaper than driving without one: The consequence of not having an insurance policy on the car you drive can be quiet costly when involved in an accident. Examples of risk motorists face for not having appropriate insurance cover on their vehicle includes- the risk of their cars been seized or destroyed by local authorities, fines, claims from other third parties and so on.
On the other hand, insuring your vehicle only gives you peace of mind and away from trouble. Always make sure you insure your car with at least the most basic level of cover before you drive on the road.
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The use of vans in businesses cannot be over-emphasized, hence, they play a pivotal role in the daily activities of every business. Irrespective of whatever services or business operations vans are used for, whether moving goods from one location to another or used for carrying building tools and machinery, all vans must be protected by an up to date van insurance policy.
Due to the expensive nature of certain insurance policies, a huge majority of small businesses now underinsure their vans in order to save money on their policies. Below are some few tips and tricks that will help you obtain that elusive cheap van insurance quotes you've been searching for.
If you're looking to renew the current policy or wanting to buy a new one, you can increase your chances of finding a cheaper premium by conducting research that would help you unveil the cheapest and best quote for you or your business. The net has changed the way we search for data and information on this basis offers the ideal starting point for all reseach to be conducted.
Research Online and Save Time and Money
Typically, not a lot of individuals and businesses posses the time and patience to be calling insurers one by one to obtain quotes with the view of saving money on their premium. Using the services of a van insurance comparison website is an ideal way of saving you time and money because they compare quotes from dozens of van insurance companies to bring you the cheapest quotes. What you'll need to do is complete the form on the site as accurately as possible and then see and go through live quotes from hundreds of other insurers within a few minute.
However though, not all quotes will be suitable for your needs, you will discover that some insurers will be in a much better position to provide you with a decent level of cover at a low cost rate . Armed with your chosen quote, it's time to call up the insurer to discuss details of the policy and to see if you can get an even further reduction on your premium. There is no harm in trying.
Calling the insurer after settling for your chosen quote to see whether they can reduce it further is the best way to obtain the best deal possible. It's an ideal opportunity for you to determine what is contained within the policy you're buying and what is not in it. After giving the insurance company any new information reagarding your policy, they should now be in a much better state to give you their final quote.
Phone Up Your Insurer To Discuss The Policy
Insurance for van is a little more of a specialist type of cover than car or even home insurance. Not every insurance company can offer you competitive quotes. Most times motorists just prefer to take the easiest option by settling for what they've been used to, in particular, things they've been familiar with in the past . Nonetheles, if you're serious about obtaining cheaper premiums you might just want to go deeper.
Being contented with your current premium does not really stop you from shopping around and obtaining a cheaper quote elsewhere. Finding cheap van insurance quotes can be extremely very easy no matter what means of search you implore- a number of motorists often prefer comparison websites while others prefer to approach individual insurer one by one.
You can easily use a cheaper quote to obtain a more cheaper premium by using it to approach another insurer so they can try and offer you a much lesser quotation- it's been one of the oldest trick in the insurance industry. Really, they are not obligated to change their quote, and majority of insurers will not bulge, but it gives a great way of opening the lines of communication and opening the possibility of lowering your premiums without changing policy.
Verifying Your Policy
Bare in mind that your utmost goal is to lower your premium quiet considerably, so you should decide what part of your policy is needed and what's not, in order to maintain a balance between reasonable premium and adequate cover. Typically, insurers would like to cross sell you on other insurance packages like legal expenses cover, personal injury cover, European cover and lots more. But, there isn't any point buying any of these package when you really do not need them.
Taking out all unwanted products from the policy before buying is the ideal way to save money on your premium, products like accidental break down cover, legal expenses, third party injury liability, personal effect protection are just a few to keep an eye out for. Increasing your level of excess to an unscrupulous amount can be tempting, but always remember that should you be involved in an accident your insurers would request that you pay up the entire amount before your vehicle can be repaired. Saving a significant amount from your premium can only be attained when you eradicate unwanted optional extras.
Lessons to be learned here is that to get a cheap van insurance premium, you'll have to be prepared to fold your sleaves and dig dirty. Irrespective of you conducting researches that involves you calling your prospective insurer or getting quotes from numerous insurers, there are many different choices you could make to get you the right outcome.
More resources:
http://www.cheapestvaninsurance.org/
http://www.cheapestvaninsurance.org/one-day-van-insurance.html,
http://www.cheapestvaninsurance.org/short-term-van-insurance.html
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Markets pulled back on Friday morning after a sharp rise the day before in the aftermath of the Federal Reserve's surprise decision not to taper quantitative easing.
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The Airmax telematics and remote vehicle diagnostics system is to be installed in all Royal British Legion vans as a part of the charity’s ‘Poppy Calls’ service fleet.
The Ford Transit vans are an essential part of helping the British Legion get to its members across the UK who need help with household repairs and installation. The system means the Legion can be informed about unsafe driving within the fleet, regarding such things as acceleration, braking and high speeds.
A spokesman for the Royal British Legion said;
‘Our prime motivator has always been to improve the levels of service that we can deliver to our members in need. The fact that we can now monitor driving style will allow us to detect unsafe driving practise and offer additional driver training where needed.’
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Imagine you lost your income today. How long could you survive financially? For many Brits, it could be under a week.
A third of households in the UK have less than £250 in savings, according to research from HSBC. Worst still, a fifth of households don’t have any money set aside as a safety net.
This means the average family could run out of money in just five days – based on monthly expenditure of £1,669. Let’s say you started dipping into your savings on a Monday, your emergency fund would be depleted by Friday – a terrifying thought for those of us without wealthy relatives and trust funds.
Scarier still: it seems the number of families without adequate savings is on the increase. According to the research, the number of families with fewer than five days’ worth of savings has risen by three quarter of a million since last year.
But what is the reality if you lose your income? We look at how those quizzed claim they would support themselves to see how viable these plans actually are.
Option one: Use savings (40% would do this)
The reality: As the research from HSBC demonstrates, many Brits have worryingly low savings levels and financial gurus often advise us to have the equivalent of three months’ salary stashed away.
What’s more, savings and redundancy pay tend to dwindle quickly, so you may need to cut down on luxuries and budget more strictly.
Option two: Apply for benefits (30% would do this)
The reality: Of course, it’s prudent to check your benefit entitlement as soon as you become unemployed. As well as Jobseekers Allowance, you may be able to claim Income Support, Housing Benefit and tax credits.
Bear in mind, however, you may not be eligible for certain benefits. For example, those with more than £16,000 of savings aren’t entitled to Jobseekers Allowance and those with more than £6,000 could receive a reduced sum. What’s more, your partner’s income may also be taken into account when calculating your claim.
Option three: Claim on income protection insurance (14% would do this)
The reality: Income protection can provide a financial lifeline, but these policies often carry exemptions and technicalities.
Crucially, most policies include an excess period – the time from the date the claim is made until the payout. Having a longer excess period can reduce insurance premiums, but you would need to find another means of supporting yourself during the excess period.
To learn more about income protection, see our beginner’s guide here.
Option four: Rely on partner and family (13% would do this)
The reality: If you’re lucky enough to have a partner and family to support you, it could alleviate some of the financial pressure, but there are a number of things to consider before becoming financially dependent.
First off, you probably won’t be making any National Insurance contributions during this time, which may reduce the amount of your state pension.
If a partner supports you financially, you could face significant hardship if you were to split up – especially if you’re unmarried and don’t have children.
If your name isn’t on a mortgage and you haven’t made any financial contributions to the property, you may not have any legal right to remain in your home.
Option five: Use a credit card, personal loan or overdraft (11% would do this)
The reality: Unless you find another source of income, it’s unlikely you’ll be able to start paying down the debt and could face spiralling interest payments.
Should you find yourself in this situation, it’s wise to seek independent advice from organisations such as National Debtline, Citizens Advice or StepChange.
**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**
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Transport for London has now launched its online journey planner for delivery drivers in London during the Olympic Games. As the area will be manic for the duration of the games, delivery drivers can use the handy tool to plan routes which avoid certain no-go areas and therefore optimise efficiency during the Games. The planner shows delivery drivers the exact spots at which they can make drop offs in case of road closures and will show routes of any road events being carried out and how these will affect delivery times.
From July, the site will be refreshed every five minutes with up to date traffic information, and any issues which may affect drivers, their routes or timings. Overall, the tool will be a godsend to many freight operators, but the general advice is still to try and keep away from the area if possible as conditions will be hectic for drivers.
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Frequently cheap van insurance policies often provides a selection of possibilities to choose from as prices may also differ according to whether or not the function of the van is either for household or enterprise utilization.
1. Staying lawful on the road additionally indicates getting the right van insurance policy, most essentially for consumers shopping for the cheapest van insurance policy that will would match their demands. Usually, all vans will require fire as well as theft coverage as well as public liability policy. Nevertheless business vans in addition need 3rd party coverage along with other coverage which cover the van but do not stipulate individual driver. Even so, specific staff might be appointed for eligibility of reduced cost.- http://www.cheapestvaninsurance.org/
2. Comprehensive insurance coverage normally include optional extras that could include things like fixtures as well as audio system or legal prices as well as breakdown insurance and you can obtain reduce amounts of protection to save cash on these kinds of options. There are other methods to save money on comprehensive protection; for individuals that drive fewer millage, discounts for mileage can help decrease your cost noticeably as well as possessing high experience levels in addition.
3. Numerous individuals consider raising their voluntary excess amounts simply because they can reduce their monthly premium through forking out a lot more on the 1st portion of the claim, if the car crash is not evaluated a ‘non-fault’ incident. Non claimants who have security alarms and also immobilisers added within their vehicle or use very protected garages to store their vans overnight are actually usually rewarded with enormous savings by insurance companies.
4. You’ll often recognize that the criteria needed by insurers change from one insurance provider to another. Usually the size and the engine capacity of a vehicle may influence a person’s van insurance premium with some insurance companies while others may also cut down a policy premium for simply just sticking a label on your bumper showing phone number other road users may call up to report an unsafe driving.
5. One additional technique of minimizing one’s premium is through seizing opportunities for savings, increasing the amount of your van insurance excess in addition to switching out of monthly premiums to annual settlement- this should stop you from having to pay the interest on the full premium.
6. Optional protection for legal cover, accidental damages to third party possessions, breakdowns and many more are add-on that insurance providers can simply include in a policy. Nevertheless checking and comparing prices with other insurance providers might allow you detect whether to add them to your policy. Since you’re obligated to settle the overall amount of your van insurance protection, you may also be in a position to change certain features that come with your protection plan so as to reduce your quote.
7. Always bear in mind that cheap van insurance premiums can vary significantly from one insurer to another due to the cost of the van making up the premium and the various risks being exposed to the insurer on a daily basis when you use your van. Transporting hazardous items will no doubt shoot up your van insurance premiums in addition to carrying of products deemed as expensive, as these pose a greater risk to the insurers .Getting many different independent quotes for cheap van insurance can often be a time and money saver when looking for that elusive cheapest van insurance policy.
A number of van insurance comparability web-sites can be found at present that will provide you with many different extras and options to pick from. Add-on like break down policies, personal accident injury insurance protection are usually a few of the alternatives you may select from all at very inexpensive quotes .
Ultimately, it always pays to be tolerant when searching for a cheap van insurance quote. Find as many quotes as you can doable then you’ll be in a better position to establish what policy is the best for you together with best value for money. Nevertheless though, a lot of van insurance you can choose from, which range from one day van insurance, short term van insurance commercial van insurance and much more. Acquiring enormous reductions from all of these insurance policies also requires similar technique as well as persistence.
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