QuoteSearcher Insurance Knowledge Base

What if I do not have a business name?

admin — Thu, 26 Jan 2012 14:59:09 +0000

If you do not have a business name then that is not a problem, instead please enter your full name when applying for a tradesman insurance quote.

My insurance company has rescinded my policy. What does this mean?

admin — Mon, 24 Oct 2011 16:20:45 +0000

This usually happens as a result of incomplete or inaccurate information being submitted to the insurance company, or, an omission of information that is crucial to the underwriting of the policy. If the health insurance policy has been rescinded, then it will be null and void from the very beginning and so all premiums will be refunded.

Will I be covered if I travel abroad?

admin — Mon, 24 Oct 2011 16:09:29 +0000

You would need to check your specific health insurance policy, as most will offer to cover you whilst abroad with an additional foreign travel policy. If you would like to find out more you can have at a look at your policy documents as these may outline conditions for travelling abroad, or you can contact your health insurance provider via telephone or email.

What does dental benefit cover?

admin — Mon, 24 Oct 2011 15:55:41 +0000

Dental benefit covers check-ups, hygienist fees, fillings, root treatment, caps, crowns and bridges. You will also be able to claim for pre-existing dental conditions. The benefits paid are subject to the maximum amount for the benefit level you have chosen in any policy year. The health insurance policy that you have chosen may include some of these aspects, or you may need to purchase dental benefit cover separately.

What does optical benefit cover?

admin — Mon, 24 Oct 2011 15:49:34 +0000

Optical benefit covers your eyesight tests, glasses and permanent contact lenses (excluding disposable lenses or lenses purchased under an optical care contract scheme or for medical examination fees, fitting fees or sundries). It will also be possible to claim for pre-existing optical conditions. The benefits paid are subject to the maximum amount for the benefit level you have chosen in any policy year. Optical benefit cover may come as standard with a health insurance policy, or it may be an added extra.

What is the difference between an electronic health record and an electronic medical record?

admin — Thu, 20 Oct 2011 15:04:22 +0000

Many people often think they are the same thing, however, an electronic medical record is a record kept one health care provider to document a patient’s treatment and health history. Whereas an electronic health record documents a patient’s health history and may include records from a variety of medical providers and for a variety of different types of medical care. This information is unlikely to be requested when applying for a health insurance quote, although some insurers do look at your medical history.

How long will repairs take?

admin — Tue, 18 Oct 2011 16:22:26 +0000

Unfortunately it is too hard to say. Each repair will vary in time depending on the nature of the damage that the gadget has sustained. Also, different gadget insurance providers may also vary in length of time when it comes to repairing your gadget.

Is it possible to insure second hand gadgets?

admin — Tue, 18 Oct 2011 16:15:27 +0000

Some insurance providers will not cover second hand items. However, other gadget insurance companies will. You should check first with your gadget insurance provider if you want to insure a gadget that has been purchased second hand in order to make sure the gadget is eligible for insurance.

What if I want to add gadgets to my policy?

admin — Tue, 18 Oct 2011 16:10:15 +0000

If you want to add gadgets to your policy then you will need to contact your gadget insurance provider. You can do this by email or by telephone. If you are curious as to how many gadgets you can insure, it will be a good idea to check specific details with your insurer as some insurers may vary.

Are items such as an Xbox, a Nintendo Wii and Playstation consoles classed as gadgets?

admin — Tue, 18 Oct 2011 16:04:57 +0000

These items are not designed to be portable, and they do not have their own internal power source. Therefore, for this reason, they would not be classed as gadgets and so you will not be able to purchase gadget insurance for them. They may however be covered by your home insurance policy, and this is something you should check.