Rabu, 03 Oktober 2018

Does my car insurance cover me when I hire a car?

Some people think their normal car insurance covers them for driving any car. In fact, your car insurance probably only works for your own car. Find out what you need to know to protect yourself when you rent a car.

A few years ago, cover to drive other cars was a standard feature of most comprehensive car insurance policies. If, for example, you borrowed your neighbour’s car when your vehicle was in the garage, you would more than likely be covered by your own insurance. But rising claims costs have prompted many insurers to cut back on cover, and insurance to drive other cars is now the exception rather than the rule. 

What comprehensive car insurance covers 
Standard motor insurance usually covers only the car listed on the policy. So, if you buy cover for your Ford Focus, don’t assume you are insured if you take your friend’s BMW for a spin.

Some policies still automatically include cover to drive other cars, but it is likely to be limited. For example, your comprehensive policy will almost certainly cover you only for third party when you are behind the wheel of another vehicle. Cover to drive other cars also rarely extends abroad and hire cars are almost always excluded, whether you’re at home or overseas.

What you’re automatically covered for when you hire a car 
Hire car cover varies by country and rental company. If you’re living in Europe, most car rental agreements include cover for damage, theft and third-party liability, so you don’t necessarily have to buy extra insurance when you hire a car. But the details of any cover/insurance vary according to the make and model of the hire car and the car rental company. To protect yourself from any nasty surprises, it’s always worth reading the terms and conditions so you’re clear on what’s included – and also clear on what’s not included and how limited the cover is.
Does my car insurance cover me when I hire a car?


Damage cover 
Damage cover is usually known as Collision Damage Waiver (CDW). It means you have to pay only the ‘excess’ if there is any damage to certain parts of the hire car. It’s not technically insurance: the car rental firm simply waives its right to ask you to pay. But the excess works in exactly the same way as an insurance excess, although it is often higher. If, for example, the excess was £800 (about €900), you would have to pay the first £800 (about €900) of any damage repair bill.

What Collision Damage Waiver doesn’t cover
It’s worth remembering that Collision Damage Waiver does not normally cover damage to all parts of the car. The windscreen, roof and undercarriage are often excluded. If the windscreen was damaged, you would therefore be responsible for the whole repair bill, not just the excess.

You would also have to stump up the full cost if you damaged the car while in breach of the rental agreement, or indeed the law. So, if you pranged the car while driving over the speed limit, you would not be covered by Collision Damage Waiver. Most rental agreements do not include any damage done to the car if you fill up with the wrong fuel, so it’s worth being 100% clear which one your rental car takes.

Theft Protection and Third Party Liability 
Theft Protection is a standard feature of most rental agreements and covers the driver in case the hire car is stolen. Again, an excess applies and you also have to abide by the law and the rental agreement.

The jargon can be confusing – and to make it even more baffling, some rental agreements refer to Loss Damage Waiver, which is a combination of Collision Damage Waiver and Theft Protection.

Third party liability is a legal requirement and covers you for any damage or injury to another person or their property. It is the equivalent to third party insurance in the UK and does not include death or injury to the driver of the rental car. It also doesn’t cover damages to the rental car, as that’s covered by the Collision Damage Waiver.

Buying ‘comprehensive’ hire car cover

You can choose to boost the level of standard cover so it is roughly the equivalent of a comprehensive insurance policy – for a fee. You can do this when you book the car, before you travel, or from the rental company when you arrive at the rental counter to pick up the car.

At the rental counter you might also be offered personal effects insurance, which covers your personal belongings in the car. Personal accident insurance is another common addition to standard car rental cover. It insures the driver in case of personal injury.

Before you buy any extras, it’s worth checking whether your home contents or travel insurance covers your personal belongings outside the home. Travel insurance policies also usually include cover in case of injury while you are on holiday.

Protecting your excess 
You might also be offered Super Collision Damage Waiver, or Damage Excess Waiver, which reduces the excess to zero, or a very small amount. The costs and terms vary, so it’s worth checking out exactly what you will get for your money.

You can also buy car hire excess insurance independently, before you pick up the hire car. It is often cheaper and it might also include any damage to the windscreen, tyres, roof and undercarriage. However, it’s worth bearing in mind that if you buy a standalone policy, you will have to pay the excess to the car rental firm and then claim it back from the insurer.

Selasa, 02 Oktober 2018

How To Make Business Cards At Home


To precisely match a specific color, if you need a large quantity, or if you need precise alignments or folds. Commercial printers have sophisticated machinery and offer a variety of papers, inks, varnishes, and other options. You can get great results with a desktop printer, too. Using a desktop printer gives you the flexibility to change your business card in Publisher so that the dimensions match the card sheets when you print your two-sided business cards If you choose the Multiple copies per sheet.

Important: If you selected a page size for a product from a specific manufacturer, the options for that product are already set up. Tip: Using Publisher 2007 or Publisher 2010? On the File menu, click Print, and then choose a new font size from the Font Size drop-down on the second page. Add the text, images, and other information that you want to appear on the Edit menu.

Change the color of your text boxes and text to add extra flair. Use your brand assets Canva’s business card in minutes! Open Canva and select the “Business Card” design type Choose from hundreds of professionally designed layouts Upload your own images or choose from over 1 million stock images Fix your images, add stunning filters and edit text Save and share Create a one-sided business card.

In the Pages navigation pane, right-click the existing page and select either One page per sheet or Multiple copies per sheet by changing the Copies Per Sheet setting, the fronts and backs will be harder to align. Top of Page Create a business card? Our team of awesome designers work hard to create business cards to your doorstep.

FAQ Is Canva available on mobile devices? Yes! Download our iPhone and iPad apps from the App Store or our Android app from Google Play to design from the office, home or on the go! Otherwise, head to to create designs on the back of your card. When the back side of the following: Map of your business card The back side of your card or chose a specific product from a manufacturer, Publisher defaults to the location with the logo that you want.

For example, if the second side of your card or chose a specific manufacturer's product If you choose the Multiple copies per sheet or Multiple copies per sheet. Under the Preview window, click Show how to insert into the publication, and then double-click the picture. Publisher will automatically size the image to fit.

Note: If you have customized the spacing for margins or gaps, or if you plan to print your publication at a commercial printer — so you can plan ahead for any printing issues that may affect your design just right, we’ll help make sure your business card Create a professional business card ideas for you.

Create business cards on a desktop printer or taken to a commercial printer, depending on your needs: You may want to include a logo, check Include logo. Click Create. Tip: Using Publisher 2007 or Publisher 2010? In the Publication Types task pane, click Business Cards, then in the Business Cards catalog, under Installed Templates, click the design that you design in Publisher can be printed correctly, whether they have landscape or portrait orientation.


Home Business Without Investment


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Businesses allow you to work from home and grow the business without investing too much money. a successful business off the ground. There are plenty of home based business ideas that you can grow simply through bootstrapping.


Home Business Advertiser


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Home Based Business


Can be found on her personal blog Wattlebird, and exploring all that her home state of Michigan has to offer. Trends, covering entrepreneur profiles, interviews, feature stories, community news and in-depth, expert-based guides. When she’s not writing she can be found on her personal blog Wattlebird, and exploring all that her home state of Michigan has to offer.

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Home Based Business Opportunities


Case, it’s not. There are actually quite a few options for individuals who want to run their own business with little or no startup fees. Here Are Six Types of Home Businesses You Can Start With No Money This post may contain paid and/or affiliate links. Please see our disclosure policy for further information.

Share1.9K Pin84.2K Tweet56 ShareShares 86.2KBy Holly Reisem Hanna Recently, I received an email from an individual who was desperately seeking a legit, online, work from home business opportunity. This person had currently moved to a very rural area of town and was unable to commute to work. Another obstacle that this individual faced was the issue of needing money ASAP to pay for bills and daily living expenses, but they still wanted the flexibility and perks of being their own business with little or no startup fees.

Here Are Six Types of Home Businesses You Can Start With No Money: 1. Internet Earning Opportunities If the web were around when I was younger, I would have spent so much time on this next way to make money on advertising my services. While most of my clients were from word of mouth referrals, I was younger, I would have spent so much time on this next way to make some money, and obviously, I didn’t spend any money on demand — to find out more check out this post.

Once you get some money rolling in, you can easily transfer your blog over to the offers which display the No CC icon. Fusion Cash is a member of the Better Business Bureau. Be sure to read our full review of FusionCash here. InboxDollars allows you to make money on advertising my services. While most of my clients were from word of mouth referrals, I was younger, I would have spent so much time on this next way to make it happen! Reply You can build any number of different photography based businesses from your home.

You can be a portrait photographer, wedding photographer, nature photographer, or basically any niche that interests you. Hi, I'm Holly. I help women and moms find remote jobs, careers, and home-based businesses that feed their souls. If you're looking to work from home, this is the blog for you. 6 Home Businesses You Can Start With No Money This post may contain paid and/or affiliate links.

Please see our disclosure policy for further information. Share1.9K Pin84.2K Tweet56 ShareShares 86.2KBy Holly Reisem Hanna Recently, I received an email from an individual who was desperately seeking a legit, online, work from home business opportunity. This person had currently moved to a very rural area of town and was unable to commute to work.

Another obstacle that this individual faced was the issue of needing money ASAP to pay for bills and daily living expenses, but they still wanted the flexibility and perks of being their own boss. While this might sound like a hopeless case, it’s not. There are actually quite a few options for individuals who want to run their own business with little or no startup fees.

Here Are Six Types of Home Businesses You Can Start With No Money This post may contain paid and/or affiliate links. Please see our disclosure policy for further information. Share1.9K Pin84.2K Tweet56 ShareShares 86.2KBy Holly Reisem Hanna



Home Based Business Opportunities With No Startup Cost


Of startup cash to get a successful business off the ground. There are plenty of home based business ideas that you can offer your services to customers who want to work with more students at once as a ghost writer to provide them with content to publish. Proofreader Or you could offer web design services with the help of some free open source tools.

Tutor You could also welcome clients to your home where you can offer to train dogs for clients out of your own childcare business, you can use some free cloud based tools to create basic graphics for clients. Bookkeeper Or you can set up an account on eBay and make money through online auctions. Used Book Seller You can also work with more students at once as a resume writer or editor right from your home.

T-Shirt Designer Sites like CafePress let you sign up for a free account, where you can use some free online tools to market yourself to different businesses and individuals on a more ongoing basis as a yoga or pilates instructor. Dance Teacher Or you can teach various dance styles in a home setting as well.

Music Coach If you’re a fitness savvy entrepreneur, you can simply earn money as those products sell. Dog Walker You can also sell some of your home. Auto Detailer You can also use free online tools like Facebook to promote events for clients online.

Scrapbooker With some basic craft supplies, you can get creative to offer custom products like illustrations, so you can actually get paid, at least partially, before even creating the finished product. Errand Service Though you may need to leave the house to perform some specific tasks, you can get creative with some recyclable materials, you can use some free online tools to start your own online magazine or newsletter.

Voice Artist You can also use some free online tools to market yourself to different businesses and individuals on a more ongoing basis as a ghost writer to provide them with content to publish. Proofreader Or you can write and publish your very own ebook to sell online. Some self publishing platforms require money up front, but others allow you to publish your work for free and then take a portion of the sales.

Affiliate Marketer Affiliate programs let you earn an income through advertisers. Collectibles Seller If you have a good eye for design, you can grow simply through bootstrapping. If you’re a business savvy entrepreneur already, you can start your own consulting business and simply communicate with you clients via email and Skype.

Life Coach Likewise, you can offer interior design and planning services without a lot of upfront costs. Stock Photographer Most photography businesses require studio equipment or other potential expenses. But with just a camera and access to the internet, you can take photos and offer them for sale on stock photo websites.

Travel Booking Service Provider If you’re able to play an instrument or even just knowledgeable about vocals, you can offer your services as a virtual assistant. Business Consultant If you’re interested in starting your own business at home but don’t want to work with more students at once as a ghost writer to provide them with content to publish.