Getting Cheap Insurance

Commercial law firm, Beechcroft, is advising insurers to “take stock” following a Supreme Court ruling yesterday that the general immunity from suit previously enjoyed by experts is to be abolished.

In the leading judgment in Jones v Kaney, Lord Phillips said there was “no justification for continuing to hold expert witnesses immune from suit in relation to the evidence they give in court or for the view they express in anticipation of court proceedings”.

Beechcroft’s professional risks partner, Ian McConkey, comments: “Insurers should consider the content of their policy cover for expert witnesses and the terms which might apply in light of the judgment.”

He adds: “Experts will need to ensure their indemnity cover fits the work they undertake.”

Beechcroft reports that in the case of Jones v Kaney, Mr Jones alleged that he was suffering from post-traumatic stress disorder as a result of a road traffic accident in 2001.

He engage

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While the fuel duty reduction announced in the Budget may have brought some relief to young drivers, for many the cost of motoring remains unaffordable due to steep insurance premiums. Motorists in their teens or early twenties pay substantially higher premiums than older drivers because they are considered higher risk by insurers. According to the Driving Standards Agency, in the UK, an 18-year-old driver is more than three times as likely to be involved in a crash as a 48-year-old.

But now The Co-operative Insurance has become the latest insurer to launch a policy specifically for young drivers, which promises lower premiums if the policyholder can demonstrate that they are responsible on the roads.

Here, we look at how the policy works and whether it could be right for you…

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Everyone needs water, whether we stay at home or vacation in the Sahara. We may take the healthfulness of our water at home for granted. When we travel we’re likely to experience some less than sanitary supplies.

Make sure you don’t fall ill after drinking and have to claim on your travel medical insurance – untreated water is a haven for viruses, bacteria and parasites. Buy bottled water, boil water, distil water or purify water before it passes your lips.

If you’re travelling for a short time in tourist cities and resorts, bottled water may be most convenient. But the plastic bottles are a serious environmental hazard and bottled water will be expensive if you’re away for a long time. Using a p

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Phlebotomists work with patients to draw blood for analysis. Such a person must be comfortable working with people and needles, and have an easygoing manner to help put people at ease. Working in proximity to blood requires an understanding and the practice of the necessary health and safety protocols, not only to protect the patient, but also to protect you from infectious diseases often found in the blood.

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A recent study from AXA suggests that there is a new sub-class of 1.5 million young drivers who are a potential hazard to themselves and others, when on the road.

Dubbed “Stop Start Drivers”, they are aged 17 to 29 and have passed their tests but rarely get behind the wheel.

When they do, they are more likely to cause an accident, (per hours spent on the road).

According to the research, nearly one in five driving licence holders in this age group drive only once or twice a month and only 45% are confident that they remember all, or most, of what they learnt for their tests.

When asked a series of questions about the Highway Code, 45% of Stop Starters wrongly identified the maximum speed limit on the motorway; 46% failed to identify a no waiting sign; 23% thought a no overtaking sign meant overtaking was allowed and 73% didn’t know what a zig-zag line on the road meant.

The study also revealed that the main reason Stop Start Drivers don’t drive regularly is cost i.e. that of

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