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What does insurance loading mean?

But if you have a health condition, the underwriting team at the insurer may decide to load your policy/increase your premiums. A life insurance loading o...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

How much does insurance go up after a hit?

How much does insurance go up after an accident? Car insurance premiums increase an average of 46% after an accident with a bodily injury claim, according...

Why should I avoid duplicate coverage?

If your vehicles are insured for the same amount by each company, it is possible that the two companies will argue over who should pay. This could delay t...

What do thieves do with stolen vehicles?

1. A Chop Shop. Sometimes a vehicle is worth more in pieces than it is as a whole, and thieves can turn a stolen car into cash quickly by parting it out a...

Does a decreasing term policy have a decreasing premium?

What Is Decreasing Term Insurance? Decreasing term insurance is renewable term life insurance with coverage decreasing over the life of the policy at a pr...

Will my insurance go up if I move to another state?

Moving out of state will require a whole new car insurance policy. But what if you’re simply moving across town—do you still need to take car insurance ra...

Can I look up my National Insurance number?

You can find your National Insurance number on your payslip, P60, or letters about tax, pensions and benefits. You can also find it through your personal ...

Do umbrella policies have a deductible?

An umbrella policy picks up where your auto and homeowners insurance policies leave off. It has a high deductible because the deductible is designed to be...

Can you get car insurance without being a resident?

Most insurance companies will sell you an auto insurance policy even if you are not a U.S. citizen, so long as you meet the licensing requirements within ...

Can I take life insurance out on my wife?

It’s possible to take out a life insurance policy on another person with whom you have insurable interest, but you cannot purchase life insurance for some...