How To Save Money On Your Two Wheeler Insurance

Tips to save money on two wheeler insurance

Many people in India own two wheelers. It is compulsory for you to buy a two-wheeler insurance policy if you own a bike or a scooter. But can you reduce the insurance expenses? Sure you can! Just follow these tips and you will see a difference.

Avoid making smaller claims: Before you make a claim, see how much the bill amount is. If it is a small amount, pay it yourself. Making numerous small claims will unnecessarily bring down your NCB to zero which will overall lead to a loss.

Attach anti-theft devices: A car insurance plan offers protection against theft and other dangers to the car. So if the car is found to be safe and less susceptible to thefts and break-ins, the insurer will offer a discount on the premium. Therefore look to install some anti-theft devices to the car to not only keep it safe but also to reduce your insurance costs.

Be a good driver and earn No-claim bonus: Driving carefully will reduce the chances of your car getting into mishaps. This will reduce the need to make claims and you will earn NCB. The NCB will in-turn pull down your insurance premium costs.

Renew two-wheeler insurance before expiry: Do not wait for the two wheeler insurance policy to expire before you renew it. If you have a lapsed policy, you may need to pay some fees and fines to get a new plan. So always try to renew the policy on time to save money.

Buy online: It is known fact that insurance bought online is cheaper. So buy a two wheeler insurance plan online and save a considerable amount of money.

Choose the right kind of cover: If you have a two wheeler that you use occasionally or is almost on its way out, opt for a third party cover. If however your bike is used daily and is a valuable vehicle, go for a comprehensive plan. Knowing which cover you need will help you save money.

Deductibles: Every two wheeler insurance plan has a deductible component. This means that as the policyholder, you will have to pay certain amount at the time of a claim and the insurance provider will pay the rest. A high deductible will lower your premium costs and vice versa. If you are confident of your driving skills and feel you won’t need too many claims, opt for a higher deductible. This will help you save money on your two wheeler insurance plan.

Compare: Last but not the least, you most definitely need to compare the available car insurance plans to get the best deal at the best rate. This is one of the easiest and quickest ways to save money on your bike insurance plan. Compare when you buy a new plan or renew an existing one.

A Review Of The Paypal Payment Processor

PayPal, owned by eBay, is one of the oldest online payment solutions. While anyone can get an account for free, it also includes merchant accounts to give you the ability to process payments online. Services are available to customers in well over 100 countries, making it the ideal solution for those with a global business.

Merchant Services

PayPal’s merchant services include the following:

Website Payments Standard: This simple solution includes easy HTML you can install on your website. Choose a buy now, add to cart, donate, or buy gift certificate button. It is already integrated into all third-party shopping cart systems, or you can get a shopping cart directly from the site if you don’t have one. Their Virtual Terminal feature allows you to accept payments via phone, fax, mail or in-person. Also supports recurring or subscription payments. This option also allows you to automatically calculate sales tax and shipping, as well as print out postage. When you’re done for the month, download your data to your accounting software such as Quick Books.

Website Payments Pro: All the features of standard, plus a built in shipping center to allow you to print packing slips, Express Checkout for those who already have a PayPal account, risk protection, and more.

Email Payments: You don’t even need a website to use this feature. Send an email payment request to anyone with an email address in 190 countries and they can pay you directly through email. You can generate QuickBooks or Outlook invoices to send to your client. Fast processing and includes the shipping center feature as well as many others.

Payflow Gateway: There are two versions to this option. With the Pro option you can let customers make payments without ever leaving your site. Powerful reports and management tools included with PayPal manager. You must have a merchant account to use this option.

Express Checkout: This can be used with other options. Basically, if a customer already has an account with PayPal, they can check out quickly and easily. Customer’s without one can sign up or use another payment option.

International Sales: This is not a service per se, but an area of the site to help you learn more about selling internationally.

Keep in mind though, that PayPal does not allow you to sell leads, it is against their terms of service. Also, PayPal has been known to shut down accounts selling business and multi-level programs without warning, and as a rule release the funds 6 months or later.

How to Sign Up

To open a Premier or Business account with PayPal is easy. Simply go to the website and enter your information. Opening an account and withdrawing money into a US bank account is free. Adding funds if you want to shop are also free. For all other transactions, the fee is 1.9% to 2.9% plus $0.30 per transaction. Transactions can be from a PayPal Balance, Instant Transfer, eCheck, Credit Card, Debit Card, or Buyer Credit.

You will need to call about opening a merchant account. Some of the services, such as Virtual Terminal and Website Payments Pro, have monthly fees depending on the package you are using. Payflow Gateway has a one-time set up and a monthly fee.

If you are looking for a global solution that will allow your company to reach almost 200 countries, look no further.

Why Do You Md Own Specialty Disability Insurance

When it comes to insurance types that are usually very much ignored, disability insurance tops the list. This is due to the fact that you hardly see people paying for disability insurance as they are more concerned about auto insurance and the more popular type of insurances. Generally, you might not know about habits you indulge in or the fact that your health is deteriorating regularly until you are suddenly down. Furthermore, there are also a number of sudden disasters that could suddenly make an individual disable in an instant, especially accidents. This is apart from the unpredictable nature of the body as illness or disease that could lead to disability can attack an individual in an instant.

Md own specialty disability insurance is a type of insurance policy that covers a good percentage of your monthly income from your job in the instant that you are suddenly unable to do any time of work. Overall, you will be protected in terms of your finances, should you become unable to work. Most people find it difficult thinking about disability as nobody wishes to be disable. This notwithstanding, there are several people who due to one disability or the other cannot work. With a disability insurance, you will be protected from having to face serious financial hardships if you suddenly become disable. Here are some reasons why you should have a Md own specialty disability insurance.

Income Loss

A major reason why you will need Md own specialty disability insurance is as a result of income loss. If you are losing your source of income due to disability, you will be getting some paid sick leave. However, the expenses on diagnosing what is wrong with you, treating it and recovering from the disability could be huge. Furthermore, your monthly expenses such as feeding and toiletries amongst others will continue. Even though your medical bills are to be covered by a medical insurance, you can still become stranded due to the other expenses. Furthermore, when your source of income is completely cut off due to disability and you have bills to continue to run, own specialty disability insurance can go a long way to help you cater for your bills.

Medical expenses

Even with your medical insurance, the increasingly expensive cost of healthcare can be a major challenge. You will need to continuously pay bills and buy drugs all through the period you need treatment and recovering. There are cases where a therapists or other specialist might be required to speed up your recovery. All of these require a lot of money. The transportation to and fro the hospital for check-ups will also require spending more money.

Other expenses

Miscellaneous expenses will also come up while you are suffering from your disability and unable to do any paid job. Having enough money to still sometimes make yourself happy such as going for dinner and even attending birthdays and other celebrations with friends, will go a long way to save you from a stressful and boring life, during your period of disability.