The Latest Credit Card Developments

June 21, 2011 · Filed Under Credit Card · Comment 

Using a credit card is now an everyday experience for millions of people and more people are applying for them all the time. In 2009, there were 58.1 million credit cards in the UK and that figure is almost certainly higher now. As they have become more popular, they have also developed to include new facets. For instance, many people now benefit from an interest free credit card and the ubiquitous Chip and PIN machines that exist in so many retailers. There are some other exciting credit card developments, too. Read on to find out more…

Contactless payments

Increasingly, it seems that more and more technology is being integrated into the humble credit card and one of the most obvious ways this happens is through contactless payments. This is where credit card users are able to pay for their purchases without using their PIN – they simple hold their card against a special machine and it processes the payment for them. Currently, these payments are only possible with a particular credit card and they are limited to relatively small amounts of money, but this is one area that seems set to develop over the coming months and years.

Charity cards

As people become more concerned about supporting good causes, it is now possible to get a credit card with an ethical twist. For instance, you can get a credit card that gives you cash back on all your purchases and that cash is then donated to the charity of your choice. This allows customers to support their favoured causes in a really simple way and it is proving to be popular as the importance of the charity sector grows and people become more aware about the relevance it has to all of our lives. Ethical cards are likely to become more popular as time goes by, so watch out for them.

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Keeping Employee’s Safe

June 21, 2011 · Filed Under Business Insurance, Insurance · Comment 

Safety rules and guiding principles regarding the workplace are important, especially if you want to keep your employees happy. The best employers know that if they keep their employees feeling safe and happy at work, compared to having employees that are aren’t, their staff are more likely to be grateful for the benefits they receive and ready to go the extra mile that’s often needed to turn ordinary good work into great work. How is it possible then to ensure your employees remain safe? Firstly, you can start by making sure your business is protected from any potential damage. A secure workplace is a safe workplace; therefore certify you have the correct types of business insurance such as professional indemnity insurance and public liability insurance.

There is also another type of insurance you can take out for your employees, which is a legal requirement for businesses in the UK, called employers liability insurance. Your employees also have to feel secure in the knowledge that if the worst happens, for instance if they suffer an accident in the workplace or develop an illness which has been caused as a direct result of their job, then they are covered and suitable compensation can be paid. The compensation not only covers medical costs and loss of income for the employee, but also legal costs claimed against a business too.

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Wedding Insurance and Illness

June 7, 2011 · Filed Under Insurance, Wedding Insurance · 1 Comment 

If you, your partner or a close member of your family falls ill and your wedding has to be cancelled as a result, wedding insurance could protect you financially. Wedding insurance will protect your wedding attire, cake, flowers and rings, as well as insuring caterers, the venue, transport, photography and even the marquee in case of cancelation.

Your wedding insurance will normally pay up to the amount stated in your schedule for any expenses incurred for cancelling ceremonial attire, flowers, photographs, caterers, transport, accommodation and other wedding suppliers. This is usually only applicable if you have to cancel your wedding as a result of the death, injury or sickness of the bride or groom or a close relative which would make it inappropriate for you to continue the wedding.

If you cancel your wedding as a result of illness, you could be faced with extortionate fees from your venue, caterers and other service providers. Wedding insurance will cover the costs associated with cancelling your wedding day due to illness, as long as the illness is not related to a pre-existing condition. With quality wedding insurance, you can feel safe that all the main elements of your big day are protected in case you or a close family member is not well enough to participate.

Illness or injury is the last thing you want to suffer on your big day, but sickness or injury is a very real risk which could potentially jeopardise your whole wedding. It is worthwhile being especially careful about what food you eat prior to your wedding; you do not want to take any risks with food poisoning or gastroenteritis which could stop you walking down the aisle.

Whilst accidents do happen, you will also want to ensure you avoid particularly dangerous activities or sports before your wedding, so you do not put yourself at risk. If you have a lot on your mind before the big day, you may find you are a bit distracted or even accident prone – so it is worth being extra careful on the lead up to the big day – especially at the hen or stag party!

After all your careful planning, the last thing you want is to cancel your wedding day. By being extra careful and taking out good wedding insurance too, you can enjoy your big day and toast the bride and groom to good health and happiness in the future.

Company Profile:

John Lewis Insurance offers a range of insurance services selected by the John Lewis Partnership. These include home, life, travel, car, pet, event and wedding insurance products.

For more information about John Lewis Wedding Insurance please visit the website here - http://www.johnlewis-insurance.com.

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