Posted on 28 September, 2017
As we discussed in Insurance Traps and Tricks to Watch out For (Part One), insurance policies are sometimes marketed to sound better than they actually are. In the second instalment of this two-part series, we’re going to look at common tricks employed to make you think you’re saving money, as well as some common traps that can mislead bicycle owners.
Insurance Policy Prices
You know the old saying, “you get what you pay for”? Well, when it comes to insurance policies this is usually the case!
Cheaper premiums usually mean that the insurer is cutting costs somewhere. When you purchase a policy with premiums that are much cheaper than you originally expected, it usually means your policy will have more exclusions than other more expensive ones.
Another way an insurer can make the lower premiums justifiable to their bottom line is by increasing the cost of your excess in the event you need to make a claim. This means that despite the low premiums, you could end up spending more on your excess or paying for coverage gaps in your policy if you need to make a claim.
More often than not, when you see high profile insurance companies offering generous online discounts, these discounts are only applicable for the first 12 months of the policy. This means that once your first year is up, your premiums will automatically tick back over to the company’s standard, higher-cost rates.
When taking advantage of these discounts, you’re also taking the risk that the cover might not encompass as much as you might expect, which is why we recommend consulting with a broker before purchasing an insurance policy.
Changing your insurance to a different provider once your initial 12-month contract is up to save money creates extra work and stress for yourself. And if you discover you weren’t covered in the event of a claim, how are going to know next time you won’t fall for the same type of “fine print traps” contained in policies sold directly to unsuspecting customers. Checking policy covers and exclusions yourself can help if you have the time and know-how. But how do you check how good the cover is when you can only check what cover is included and excluded in the policy without having the skill and training to know what important coverage words are missing? Being your own insurance broker can be very costly in the long-run!
Insuring Your Bike
If you’re insuring your bicycle, make sure you’re aware that a lot of policies will have a limit on the value you can claim if your bike is stolen from your property. Standard home insurance policies also won’t offer coverage if the bike is damaged or stolen in an accident or a competition away from the home unless you pay extra for a policy extension.
Why Choose Donnellys?
Working with an insurance broker from Donnellys comes with a host of benefits, the most beneficial one being that we’ll be working with you, not for the insurance companies. This means we’re looking out for your best interests first and foremost. Another great part of working with an insurance broker is that we’ll take the stress out of making a claim, as we’ll handle all the nitty gritty and argue your case in disputes on your behalf.
We also offer easy monthly payments so don’t be persuaded by direct insurers to accept less cover for the convenience of their monthly payment offer online.
Want to learn more about how we can help find the best insurance coverage for your needs? Get in touch today!
Posted on 21 August, 2017
Sadly, not all insurance policies are created equal, and there are many fine print traps to be aware of and tricks that marketers will use to make even the worst policy sound perfect.
Here, we run you through some of the insurance traps you should watch out for when selecting your home and contents insurance, and your car insurance.
Home and Contents Insurance
Donnellys can help ensure you don’t get caught out by any of the following home and contents insurance traps.
Upon close inspection, a lot of home and content insurance policies, especially the cheaper ones, don’t actually cover as much as you might expect.
For example, your jewellery might not be covered at home under certain budget policies, or cover might be capped at only a few thousand dollars against theft. But what about accidental loss as this is not covered unless you have the right cover! Certain insurers’ marketers might mislead you with their advertising into thinking you have cover for jewellery and other personal items away from home but you have no cover at all away from home unless you buy extra cover.
What Happens if You Go On an Extended Holiday?
Did you know that most home and contents insurance policies have a 60-day holiday limit? This means that if you head out on an extended holiday, of more than 60 days and don’t notify your insurance company, you won’t be fully protected against all of the risks covered included in your policy, such as break-ins.
If you have spare room at home and are following a worldwide trend like AirBNB rentals to earn some extra money from short term tenants, you need to be aware that all home policies have a legal liability exclusion for business activities causing injury or property damage. Also, your policy might not cover tenant caused damage to your home. Some insurers will insist you buy a Landlord policy which fixes some problems but creates others, some will insist you buy a Business policy to get full coverage and some insurers have a specific policy tailored for bed and breakfast places. Check with your insurer or insurance broker what is covered by your policy.
Finding the perfect car insurance can be tricky, but picking up on all of the fine print in car insurance policies can be even harder. Here are some of the more popular traps in policies from some car insurance providers.
How You Use Your Car
If you decide to use your car outside the parameters of what’s considered personal use, you’ll need to talk to your insurer and upgrade your cover to a business policy, otherwise, you won’t be properly covered. So, if you’ve decided to earn some extra money on the weekend by becoming an Uber driver, but if you haven’t checked your coverage, any insurance claims for damage to your car or someone else’s made to your insurance company might be rejected.
If You Have a Car Accident
If you’re involved in a car accident, you’re usually only deemed not responsible is only if your car is hit while it’s parked or if someone runs up the back of you, and the responsible party can be identified. If your accident doesn’t fit within these boundaries, your no claim bonus will most likely be penalised.
But most insurance policies provide a protected no claim bonus option in the event of an at fault claim, which is available at an extra cost and will insure your loss of two year’s no claim bonus and so avoid increased renewal premiums for next two years.
If Your Car is Financed
If you are not eligible for a brand new car to replace an older one in the event of a total loss (new for old cover is usually only within 2 years of car purchase) then sometimes you might owe a finance company more money than the claim value of the car if it has depreciated quickly, amounting to thousands of dollars.
However, you can purchase Finance Gap cover to protect you for up to 75% of the extra amount due to be paid to your lender. But, keep in mind that the amount you receive will be dependent on the insurer’s assessed write-off value of the car. The good news is that at Donnellys this extra cover is usually included at no extra charge.
Here at Donnellys, we believe that comparing individual policies is sometimes like comparing an apple with an orange, especially since it’s hard to tell whether the apple is rotten inside until it’s too late. We’ll take the stress out of choosing an insurance policy by doing the research for you, and presenting you with only the highest quality fruit.
Contact us today to learn more about what you can really expect out of your home and contents insurance, and your car insurance policies.
Posted on 18 July, 2017
There is a proliferation of Insurance Comparison websites available online. To the average consumer, they appear to be a good source of information to select insurance cover – but beware!
Mostly these Comparators only compare a fraction of the market and some sites are actually owned by the insurance companies they’re supposedly comparing which creates an obvious conflict of interest.
Australia’s leading consumer advocacy group, CHOICE has recently published an article, “Comparing the Comparers”. Author Jodi Bird states “Compare the Market is owned by Budget Holdings Limited (BHL). BHL, in turn, owns insurance Auto and General, the parent company of brand names like car insurer Budget Direct. Seven out of the 10 car insurers listed on the site are owned by Auto and General so it’s no surprise that in a mystery shop of car insurance quotes, five out of the seven brands were Auto and General Insurance brands.”
Most large insurers are reluctant to participate in online Comparator sites because they focus on price and not coverage or security through claims paying capacity. So Comparator websites can give smaller competitors a foot in the door to the market through large commissions paid to the comparator owners.
Donnellys has access to an extensive policy comparison online tool which compares up to 200 policy features, conditions and exclusions and includes a great majority of the market players. We can provide this report obligation-free to people wanting comprehensive information about the products available from the whole range of insurers or if they want a second opinion about their existing cover’s quality.
We also provide an easy to follow a report on our website: http://www.donnellys.com.au/documents/ so you can see for yourself how the likes of Budget Direct’s policies compare with others available and what coverage you might be missing out on insuring with them.
But comparing individual policies is sometimes like comparing an apple and an orange and also you don’t know if the apple is rotten inside until it is too late!
The most important factor to consider when buying a policy is Claims. Only a licensed insurance broker can legally provide claims assistance to their clients as their agent. A broker can represent clients in negotiations with an insurer over fine print technicalities to achieve a prompt and fair settlement.
Check Donnellys’ online testimonials about what many clients have appreciated about our claims service for them.
Posted on 30 May, 2017
In the wake of the global WannaCrypt Ransomware attack, businesses are scrambling to assess their vulnerability to cyber threats and to make sure staff are aware of the risks posed by suspicious emails.
The virus that crippled businesses from across the globe from mid-to-late May locked up more than 200,000 computers in more than 150 countries.
*Countries affected by WannaCrypt Ransomware
Companies in Australia, Europe and Asia were particularly vulnerable to the cyber attack, and it’s estimated the recuperation costs could be in the billions of dollars.
While a number of large, international companies fell victim to the ransomware, the biggest at-risk group was small-to-medium businesses with out-dated equipment.
*A screen shot of the message received once a network had been infected
It’s since been revealed that this particular virus was created using leaked NSA data. Thankfully, a 22-year-old researcher from the UK was able to strike down the first spread of attacks with one simple trick.
One of the web domains used by the hackers wasn’t registered, so by simply paying a $10.69 registration fee for the site, he was able to take control of the domain and track how the ransomware was spreading.
However, this malware or similar malware could still pop up, so it’s essential you take all of the necessary steps to protect your business.
How Can You Tell If Your Business is at Risk of an Attack?
1. Is your Microsoft Windows fully up to date, with all the recent patches loaded and installed?
2. Is your anti-virus and anti-malware software operating properly and fully up to date?
3. Do you have sufficient Cyber Insurance to respond if something does get through and affect your computer? This is particularly important, as you’ll need help unravelling the impact of the virus, and you may also need help if your business is closed while this happens.
4. Ensure everything is up to date and that you are fully protected – and fully backed up!
Vicious malware is becoming more prevalent in our online-based world, so make sure you’re properly protected with cyber insurance from Donnellys.
Posted on 18 May, 2017
Have you ever had to make an insurance claim before? If you have, you probably know that it’s a daunting process, which is often approached with trepidation by the majority of policy holders.
An insurance claim is often made in a moment of stress (you might have just crashed your car, or you might have been robbed or had hailstones damage your home), and if you don’t know your rights, and the ins and outs of your insurance policy, how do you know the insurance company is looking out for your best interests?
Sadly, you don’t.
A lot of insurance policies have shades of grey and can be interpreted in more than one way, which is why having a qualified middle man involved in the claim process is a smart move.
What are the Benefits of Having an Insurance broker Lodge Your Claim?
Working with an experienced insurance broker comes with a number of benefits, especially when it comes to getting the best possible results from your insurance claim.
- Your broker has priority access and can lodge the claim on your behalf.
- Your broker knows the policy and the benefits and will ensure that you are getting the maximum from your policy.
- Your broker deals with claims every day. They understand policy wording and that there are many shades of grey. Claims officers interpret the wording to make their claims decisions. A broker is often able to offer another interpretation of the policy wording resulting in a completely different outcome.
- Your broker has access to a vast network of people within a number of insurance companies, so we have the contacts required to have decisions reviewed if required.
- Your broker is available to meet with you face to face to lodge or discuss a claim.
- In the event of a claim not being accepted, your broker can take the time to explain and help you understand why a policy will not respond in certain circumstances.
- Unlike Insurers, your broker does not have Average Handling Times for each of their phone calls. They have all of the time that you need to guide you through the claims process.
Case Studies Where Donnelly Insurance Brokers Improved the Claim Process/Outcome
When a professional insurance broker handles your insurance claim, they’ll be better equipped to achieve the desired results, which is illustrated below.
A Donnelly’s client was involved in a motor vehicle accident where the insurer deemed them at fault for third party damages. Once advised of this outcome, a member of our team contacted the claims department to discuss why their liability determination was incorrect.
We supported our argument by referring to the relevant sections of the Australian Road Rules and were able to get the insurance company’s original decision overturned. The claim was re-recorded as a Not at Fault Claim with no impact on our client’s No Claim Bonus, plus the excess that our client had already paid was refunded.
A client who had been told by their insurance company they would need to contribute to the cost of repairs after their roof was damaged by hail in a storm approached us to assist with their claim. The insurer claimed that that the roof in question was more than 50 years old and had suffered wear and tear. However, upon review of the builder’s report, we argued that while the roof had been subject to normal wear and tear, it was perfectly sound prior to the storm.
The insurer then overturned their decision and covered the full costs of the roof repair.
A Car that was less than three years old was written off in an accident. Under their insurance policy, our client should have been entitled to a new replacement vehicle. However, since the vehicle model had been discontinued, the insurer advised that the settlement would be based on a Market Value Settlement.
Our client was understandably upset with this decision, as it would have seen them suffering a sizeable loss. We negotiated on our client’s behalf and were, fortunately, able to get the decision reviewed. Our client ended up with a new replacement vehicle of the same make and a comparable model.
An insurer denied a claim for a damaged laptop under a home insurance policy that covers contents worldwide because the total length of our client’s journey exceeded the 180 days’ time limit under their policy. However, we sought a review of this because the damage occurred within the 180-days period.
The claim denial was overturned and the client received a new laptop.
If you want to make sure your insurance claim process is as smooth as possible, talk to Donnelly Insurance Brokers today!
Posted on 19 April, 2017
Did you know that two out of three Australians who are renting their home don’t have contents insurance and even less people have cover for their rent?
Without adequate insurance, could you afford to replace your belongings if there was a fire at your home, or if someone broke in? Could you afford to replace your laptop, TV, furniture, clothing, gaming consoles, jewellery, appliances/white goods, and everything else you own all in one go?
Even if you could afford it, would you want to fork out that much cash?
What would happen if your house burnt down and that fire spread to the house next door? Would you be able to cover the cost of their damage, and personal liabilities if people got injured in the fire if it is due to your fault?
If you’re forking out a large chunk of your pay cheque each week to pay your rent, what would you do if you got sick, or were injured and couldn’t work? Would you be able to pay your rent?
These questions are confronting, but they’re also incredibly important. While many of us watch the news each night and hear about house fires, robberies and accidents, most of us adopt the ‘it will never happen to me’ attitude – but what if it did?
Even if your landlord covers the building insurance, they don’t cover you for any of the cases listed above. This is why every renter needs to think about taking out a rental insurance policy. Keep in mind, however, that a comprehensive package protects more than just your physical belongings; it should also include legal liability cover, and sick leave coverage.
Introducing Donnelly Insurance Brokers 3-way Cover Package for Renters
We understand how important it is for renters to protect their assets, and to be prepared for if something bad does happen, which is why we’ve put together a comprehensive Home Renters’ 3-way Protection cover with our authorised distributors. This policy includes:
- Rental protection: to ensure you can keep a roof over your head if you can’t work due to an accident or sickness. Plus, you can add cover for your other regular living expenses to protect your family’s lifestyle.
- Home contents comprehensive cover: either at the insured place of residence, or away from home
- Legal liability cover: will protect you financially from injury to someone else, or damage to other people’s property should something be your fault. For example, if your BBQ cooking starts a fire which spreads to your neighbours’ property, you’ll be covered for damages to their property and if they get injured in the fire.
If you want to protect your way of life with pay-by-the-month insurance, visit www.donnellys.com.au, or talk to one of our insurance brokers today on
(08) 8236 7777.
Posted on 30 March, 2017
Have you ever wondered how your car and home insurance policy compares to other providers? If you’ve ever gone out and got quotes from multiple insurance companies and compared their prices and overall coverage you’ll probably already know that insurance policies are very complex documents to read and they vary greatly between providers.
This is why knowing your options, and understanding exactly what it is you’re purchasing when it comes to your home and contents, and car insurance is so important. But, purchasing insurance isn’t exactly fun, and finding the time to compare all of the products on the market is incredibly time consuming; that’s where we come in.
And the icing on the cake is that your broker will be able to represent you at claim time to assist with advice to obtain a hassle-free, prompt and importantly a fair payment settlement – instead of battling through this process on your own at the mercy of a corporate claims department.
How Do Brokers’ Policies Compare?
Brokers that specialise in personal insurance can often negotiate additional coverage benefits with leading insurers because of the broker’s high volume buying power on behalf of their clients. For example, Donnellys who have been specialising in personal insurance broking for over 40 years in SA can offer a comprehensive car insurance policy which includes cover for non-standard accessories automatically, Replacement of car as New if written off in first 3 years ( 4 years for luxury cars ), finance interest debt coverage, loan vehicle cover and much more that is often not available directly from the same insurer.
The same goes for your home policy with a choice of standard cover or executive style which is much more comprehensive in its coverage. Not all insurers offer the executive style of policy and those that do often offer restrict cover to avoid claims. One special benefit that Donnellys can offer clients mechanical and electrical breakdown of machines that are up to 15 years old, which is not available from insurance providers directly.
It’s not uncommon for insurance suppliers to provide the bare minimum coverage in order to keep their price competitive and offer one-time incentive offers which disappear on expiry of the first year term. Insurers selling direct have no legal obligation to consider your protection needs and also legally they cannot compare other polices in the market – so it is buyer beware!
To get a better idea of how policies compare to others on the market, you can view Donnellys Comprehensive Car Insurance Market Guide here, and their Accidental Damage Home and Contents Insurance Market Guide here which is available free of charge.
What does it cost to use a broker’s services?
The idea that it must cost more to buy insurance through a middleman does not apply to insurance brokers. Insurers include an administration expense into their premium calculation for their staff to perform the service to customers or alternatively pay a commission to brokers to handle the transaction electronically on their behalf.
Not all brokers handle personal insurance as they often prefer larger business accounts but Donnellys welcome all personal insurance enquiries. Donnellys charge a small fee for their service but in most cases this is offset by special discounts negotiated for their clients.
When you consider that you can get professional broking advice to make sure you get the right policy at the right price and claims assistance to make sure your claim is paid correctly and efficiently, why would you try to be your own broker without any training or knowledge of insurance contract law?
As a result of the recent hail storm in Adelaide, a client sustained major roof damage with an estimated claim cost of $35,000 to replace the half damaged part of the roof. Donnellys claims expert noticed that there was in fact damage to two-thirds of the roof so we argued that the whole roof should be claimable.
As a result of our intervention, our client will have a new roof constructed at no expense to them for a total replacement cost of $70,000!
Donnellys will welcome your enquiry about any personal insurance policy.
Posted on 01 February, 2017
53-year-old Nurse from NSW, Dawn Weldon-Schupp, has tragically learned the hard way the importance of having a complete and thorough understanding of your insurance policy.
For those unfamiliar with Ms Weldon-Schupp’s heart-breaking situation:
Ms Weldon-Schupp and her 14-year-old son were involved in a tragic moped accident on January 25th, colliding head-on with a truck whilst holidaying in the Thailand.
While Ms Weldon-Schupp’s son thankfully walked away with no major injuries, Dawn has tragically suffered a fractured skull, punctured lung and numerous broken bones.
Ms Weldon-Schupp currently resides in Bangkok Hospital in Phuket in a critical condition.
Having comprehensive travel insurance, Ms Weldon-Schupp and her family were shocked to discover that her terrible accident was not covered by insurance, with News.com.au published these clarifying quotes from the insurance company:
“The engine size of the bike you rented was 110cc and is therefore considered a motorbike as per policy wording.”
“Motorcycle under the policy means any two-wheeled or three-wheeled motor vehicle with an engine displacement greater than 50cc.”
“We have confirmed you do not hold a current motorbike license.”
Tragically, Ms Weldon-Schupp’s hospital bills have already exceeded $56,000 … and are increasing by about $2,500 per day… imposing obvious financial catastrophe on her already distressed family and friends.
Furthermore, repatriation costs to fly back to Australia are probably going to be around $30,000, as she will need to fly business class (for medical reasons) and requires a medical escort.
Ms Weldon-Schupp’s best friend Donna Saafeld explained the situation in an emotional social media post… and in a sort-of silver lining to the tragic story, has managed to raise over $84,000 to help cover medical expenses via a Go Fund Me page.
At Donnellys Insurance, we wish Mrs. Weldon-Schupp a speedy and successful recovery from her unfortunate accident. Many people choose to buy their insurance direct from an insurance company because of advertised premium cost savings but they are not aware of “fine print” policy exclusions – like Mrs. Weldon-Schupp. While it is up to policyholders to read their policy document thoroughly to understand what they are buying, an insurance broker can assist insurance buyers by providing policy coverage and premium cost comparisons so buyers can make an informed decision about which policy suits them best.
Posted on 16 December, 2016
‘tis the season to be jolly…so make sure your home is safe, secure and you are adequately covered over the festive season by following Donnellys Christmas season top tips!
Travelling Overseas with Christmas presents
It is vital to ensure you are aware of the limitations within your travel insurance policy, particularly if you are taking presents abroad. Most insurers will cover presents under your personal baggage cover, providing the item you are claiming for falls within the policy limits/guidelines. Many policies have restrictions so it is very important to read your policy documents before you travel with gifts to ensure you are adequately covered.
Cover Yourself While Travelling
8% of Australians travelled without Travel Insurance on their last overseas trip, according to a survey commissioned by the Australian Government and the ICA 2016. That’s 850,000 visits by Australians overseas without Insurance! Do not expose yourself to such risks and get yourself covered.
Leaving Your Home Unattended Over the Holidays
Most policies would cover an unoccupied home for at least 30 days without the need to notify the insurer – but normal precautions would need to be taken as there is a duty of care on the policy holder to safeguard the premises. For example, if you have a security system, it must be activated when a home is vacant for a period of time, otherwise the policy cover may be prejudiced if contents are stolen when the alarm is inactive. If you have a bicycle you need to be aware that many policies have a limit on the value you can claim if it is stolen at home. And there may be no cover under a standard home policy if the bicycle is stolen and damaged in an accident or in competition away from home, unless you pay extra for a policy extension.
You’re out and about at Christmas parties and events, not forgetting all that shopping that needs doing. If your home is left empty during the festive season, it could be an easy target for burglars. Making sure your home is extra secure should be on your priority list. Ensure the exterior of your home is well-lit. Making sure your windows and doors are secure is essential all year round, not just during the festive season. Ask your neighbours and friends to keep an eye on your property and arrange for mail and newspapers to be collected while you’re away. Try not to share photos on Social Media while you’re away, wait until you return.
Out of Sight, Out of Mind
The best way to keep presents already bought for Christmas is to keep them out of sight. The safest option is to keep them hidden away until closer to Christmas. Also, be sure to properly dispose of any packaging for new items in the house. You don’t want to advertise your valuables to any potential thieves. So break it down and bag it up, don’t just leave it for collection.
Avoid a Christmas Inferno
Make sure you turn off your Christmas lights, when you’re out of the house, and when you go to bed. Avoid overloading plug points as this can be a fire risk and remember Christmas trees and decorations can catch fire easily.
The New Year is a Good Time to Update Your Home and Contents Insurance
If you are planning a quiet summer break at home, this may be a good time to catch up on important things like checking you are fully covered by your home insurance policy. The best way is to use the ‘Valuation Guides’ for home and contents replacement costs, which are found on leading insurer or broker websites. You need to know the size of your house and under-cover areas, half the value of fences, landscaping and paths. Once the festive season is over, it is important you update your policy with the valuable gifts you receive. Take an inventory of all non-fixed contents items, and take photographs of major items to be able to prove ownership in the event of a claim, should the worst happen.
Posted on 20 July, 2016
I recently had the experience of offering a residential property for rent and, for an insurance broker, it was an instructive experience. Chatting to my letting agent, I learned a great deal about the hazards of rental property ownership, and was surprised to discover that many landlords using standard insurance packages simply don’t attempt to cover risks that I would have thought were eminently insurable.
It was clear to me that a Landlord Insurance Package would be a Very Good Thing! So we set about creating one, to serve as an extension of a standard residential insurance policy, with options targeted at the concerns of owners of investment rental properties. Here are some of the gaps plugged by our package:
- Malicious damage by the tenant.
- Theft by the tenant of fixtures, fittings or other property on the rented premises. These sorts of things do happen, but standard cover tends to treat losses occasioned by the occupant of the property as “self-inflicted”.
- Rent default. Often this happens when a tenant gets injured or falls sick. Even if the tenant is eventually evicted, the defaulted rent is often unrecoverable. And in any case, who wants to throw out a tenant who in all other respects may be ideal? There’s an inevitable cost in replacing a defaulting tenant – far better to build in to the rent a provision for insurance.
- Loss or damage to contents provided by you for your tenant’s use. These include furniture, furnishings, curtains and blinds as well as fixtures and fittings.
One policy being aggressively marketed direct to landlords purports to cover these gaps left by the standard insurance products. Technically, that’s true, but that’s all it covers! Many policyholders have been left unaware that they still need to buy base cover for their property.
Our landlord insurance provides all the standard and mandatory insurance protection, with all the optional extras the investment property owner needs to have peace of mind.
Posted on 28 September, 2017
As we discussed in Insurance Traps and Tricks to Watch out For (Part One), insurance policies are sometimes marketed...Read on
Posted on 21 August, 2017
Sadly, not all insurance policies are created equal, and there are many fine print traps to be aware of...Read on
Posted on 18 July, 2017
There is a proliferation of Insurance Comparison websites available online. To the average consumer, they appear to be a...Read on
Posted on 30 May, 2017
In the wake of the global WannaCrypt Ransomware attack, businesses are scrambling to assess their vulnerability to cyber threats...Read on
Posted on 18 May, 2017
Have you ever had to make an insurance claim before? If you have, you probably know that it’s a...Read on
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