If you wish to get fit and lose weight, check out what boot camps have to offer. A boot camp type of environment is definitely the best way to become fitter and more active especially when choosing to work with a reputable personal trainer such as, Adam Wilson. Adam has many years of experience behind him within the fitness industry as well as having the necessary qualifications to help his clients reach their goals for instance:-
- Losing weight and shedding excess pounds
- Body toning and developing a better physique
- Increasing strength and endurance
- Becoming much more active and positive about life
- Benefiting from nutritional advice
- Providing support and motivation
One thing’s for sure, when using the services of a personal trainer expect to benefit from plenty of support and encouragement including a tailor made fitness programme designed to achieve results. Working closely whether one to one or in a group, training tends to be tough going, however many people have taken the time to leave positive comments online regarding:-
- Fitness programmes
- Training methods
- Using advanced training techniques such as kettlebells, cross fit, tred sleds and trigger point therapy
- Free initial personal trainer consultation
- A better feeling of well being and improvements in health
- Ongoing advice and assistance
- Body transformation
Why not take the bull by the horns and get in touch with boot camps in Tunbridge Wells from Adam Wilson Training today to find out about how personal training can help you? What’s more, by leaving your name, phone number, e-mail address and message online you will receive a free seven day fitness plan to get you started, how about that for a good deal? It’s a great way to whet your appetite to see if you’ve got what it takes to be a part of the action in the world of personal fitness training techniques and exercise sessions.
Take your friends along
If you’re a little apprehensive about personal training, then how about going along with a group of friends for moral support and enthusiasm? Of course, the good thing about group training sessions of up to four people is that it’s a much cheaper option than training on your own in a single session and more fun too.
Personal trainers such as Adam Wilson have a passion for what they do. This comes to the fore during training sessions, consultations as well as online coaching which is available to anyone that maybe hasn’t the time to enrol for boot camps.
If you’re looking for a rewarding teaching job in the area of Kent give a well-known recruitment agency a call. They provide excellent teaching posts for teachers and help schools find the perfect teaching staff for their pupils. Click on their easy to navigate website to get an idea of how easy it is for everything to fall into place regarding having a fulfilling teaching job. Whether you’re available full-time, part-time or as a casual teacher, recruitment agencies are your best bet to accommodate your requirements. Head teachers often have difficulty in finding staff who are not only well-qualified but will provide a lasting relationship with their school.
Pupils tend to prefer having the same teacher throughout the term so if you feel you are able to make a career out of teaching at the same school make contact soon with reputable recruitment agency staff.
Schools and teachers provide many different subjects for their students, it is therefore very important for schools to hire teaching staff who enjoy their particular subject area. Check out vacancies for teacher jobs in Kent:-
- English Language and Literature
If you’re after rewarding teaching jobs in Kent give the agency a telephone call right now.
Classic Education has many quality teaching jobs available with a huge variety of subjects. This reliable company also provides lots of help to get newly qualified teachers on the first rung of the teaching ladder too. Schools have the ultimate responsibility towards their pupils making sure all of the staff on their books can relate well to the class they are teaching, along with making a useful addition to the quota of staff already employed.
Ask for advice
Recruitment agency staff are always available to make sure teachers and schools have all the advice, help and guidance they may need. Friendly consultants interview prospective teaching staff and provide schools with their findings. If you are a teacher looking for work agencies can even find you a school near your home and provide ongoing support should it be needed.
For heads of schools, there’s also plenty of advice. A head teacher is after all the main person all teaching staff have to report to, so it’s essential to create a workforce that is reliable, punctual and above all can relate well to youngsters and students alike.
Truck insurance can be quite a minefield if you’re not very well-informed on the subject. With so many different types of trucks being used for different purposes it can seem like a very complicated subject. Of course insurance providers will be able to help you with your particular needs but finding the right insurance provider can be tricky if you don’t know the right places to look. Contacting insurance providers by phone is great in that you can have your questions answered directly, however the downside is that you can often feel pressure to take out a policy and it takes a lot longer to get multiple quotes in this way. Luckily there are many insurance comparison sites only that make it much easier to get quotes so you can compare them.
How Premiums Are Determined
Before you contact insurance providers it’s a very good idea to know what factors are going to determine the cost of a policy. This way you can make any possible changes beforehand so you can save money on your policy. Below are the biggest determining factors that will affect your premiums -
- Driving Experience – Your driving experience and specifically truck driving experience is going to have a big impact on the cost of a policy. The more experience you have the less likely you are to be involved in an accident. Insurance providers will take this into account and offer a price that’s appropriate when taking other factors into account.
- Your Age – Your age is certainly a factor that plays into the price of your insurance. It is usually taken into account with the amount of driving experience you have but generally those who are 30 and over will pay less for their insurance than those in their 20s.
- Claims History – The amount of claims you’ve made in the past will play quite a big part in the cost of your policy. If you have made multiple claims then it demonstrates to your insurance provider that you are quite likely to make a claim with them and therefore it will mean a higher price for your policy. Of course it’s not always the black and white. For example if you’ve been driving a truck for 20 years and made all your within the first couple of years of driving then the insurance provider will certainly take this into account.
- Cargo Carried – If you drive a commercial truck that carries expensive cargo then it is at risk of being targeted for theft. The amount of risk it’s at will depend on the nature of the cargo and the area the truck is being driven in.
- Driving Area – The area that a truck is driven in will play a big role in how much risk it’s at of being stolen, vandalized, set on fire etc. so this will certainly affect price too
- Level of Coverage – Lastly is the level of coverage you get for your truck. Some truck drivers will choose to get the minimum level of coverage possible and prefer to take the risk that something may happen to their truck that they’re not covered for.
There are times in life when you may have to leave your home unoccupied for a significant period of time. This could be due to having an extension put on your house or going for an extended break. Whatever the reason for your home being unoccupied, the fact remains that it is at much greater risk and it only makes sense to protect it with unoccupied home insurance.
Why Unoccupied Home Insurance
Most people will insure their homes with a good insurance policy but sometimes it’s easy to overlook small details. For example many people will leave their home unoccupied, wrongly assuming that their home insurance covers them no matter what. The fact is that most home insurance policies will only cover the home whilst it’s occupied and whilst there is usually a grace period of around 30 days, after this it’s essential to get a an additional policy.
One of the most common reasons for a home to be left unoccupied is when the home is being renovated. If there is extensive work to be done then often the home owners will have to leave for a considerable period of time. If this is the case then you should check how long your home is covered for under your regular home insurance. If you only have to be gone for a couple of weeks then often you’ll be covered under your main home insurance. If you have to be gone any longer than a month though you will probably need to get a separate policy
Another common reason for having unoccupied home insurance is if you’re a landlord and let property out. Landlords often find they have properties that are unoccupied, which leaves them at considerable risk. Tenants can leave early or unexpectedly, which means the property that have vacated will now be much less secure.
Finding Quotes & Saving Money
Getting quotes for unoccupied home insurance is not too difficult at all. There are several providers who offer this type of insurance and finding them is simply a matter of doing a quick internet search. Whilst there is a lot of choice available, you should use discernment and only contact providers who have come recommended or who have a good reputation.
When it comes to saving money on your policy, one of the best things you can do is to get multiple quotes. The price you are quoted for a policy can vary significantly depending on the insurance provider so it’s a very good idea to keep your options open.
Another good way you can save money on your policy is to hire an insurance broker. An insurance broker will contact different insurance providers and work to get you the best possible price on your policy. They’ll also be able to offer you advice on anything related to insurance.
Looking for a great value insurance quote for your caravan but don’t really know the ins and outs of what types of cover you need to take into account? You don’t need to worry because we can help you to get your caravan fully covered for all eventualities and give you priceless peace of mind!
Generally, caravan insurance will cover you for:
- theft or attempted theft
- extreme weather conditions
- accidental damage
- malicious damage
- third party liability
However, not all caravans are the same and therefore there are different insurance requirements dependent on the type of caravan and the contents and fixtures within it. There is no need to research all the different types of available cover though; you can let us do all of the hard work. We will ensure that we get you cover at the right price and also that the policy covers your individual requirements.
By assessing what is most important for you, from making sure you have cover for alternative accommodation to a company that provides a fast breakdown recovery service, we will arrange the best deal for you and your caravan. Comparison sites may be able to find you a cheap deal, but often such deals come at great price further down the line. That great deal may not seem so great when you find that there is a huge excess to pay or that certain risks aren’t even covered.
That is why your best option is to allow us to find you the right policy. We have years of experience within the caravan insurance industry and we will use our expertise to get you the best deal in the market. Additionally, we know what you need from your caravan insurer – as well as thorough cover at a good price, it is also important that they offer a good level of customer service, especially should you need to make a claim.
If you do need to make a claim, you don’t want to be waiting around for weeks waiting for an update. The companies that we work with will always do their best to help you and get your caravan and its contents fixed or replaced as quickly as possible.
Don’t risk your caravan, speak to one of our caravan insurance experts today.
Unless you are in the fortunate position of being independently wealthy, there is a fair chance that you are on the lookout for ways of driving down the cost of your motorcycling.
Here are a few tips you may find useful.
Downsize your bike
Yes, a horrible thought but perhaps one of the most significant ways you may be able to reduce the cost of your biking.
This just might affect virtually everything, running from your maintenance costs, to the cost of your motor bike insurance and even to things such as fuel consumption.
Put yourself on a maintenance course
Some bikers come close to paying a garage for just about everything that needs doing on their bike, even sometimes to refuelling it!
More seriously, many regular maintenance jobs are perfectly within the capabilities of what might be termed educated DIY. Avoid just taking a spanner and hammer to your bike and trying to learn as you go but do it properly instead and put yourself on one of the many courses available.
You might be amazed at how much you will save in maintenance and repair costs.
Shop around for everything
You may have known your local garage for a long time but are they necessarily the most cost-effective solution around?
Have you ever considered the garage just a mile or two away?
The same thing applies for motorcycle insurance. Don’t just automatically renew each year but look around for other options.
Look for discounts on your insurance
You might be surprised at how many opportunities exist to reduce your premium, simply by adopting some good practices.
Things such as fitting additional immobilisers and tracking devices or simply ensuring that your bike is securely garaged overnight, might all result in discounts.
Another thing worth considering is taking an enhanced or advanced rider course. Assuming you pass, your insurance provider may reduce your premium costs yet again.
Negotiate on repair and maintenance bills
In the UK we are not the world’s greatest hagglers. We sometimes find negotiating to be embarrassing and even demeaning.
This sometimes leads to us simply accepting whatever the price we are told something will be.
Instead, why not try understanding the price you are being quoted, questioning it and seeing if you can negotiate a more realistic deal?
As part of the same approach, you might want to consider moving to fixed price quotations on such work rather than time, labour and parts. It can be very difficult or even impossible, to verify the amount of time that a garage has booked to a job.
None of these above ideas are likely to make you rich but every little helps!
There has been a rise in popularity of people using minibuses for a variety of reasons. Minibuses can be purchased or leased and are very useful for transporting passengers as an cheaper alternative to cars, taxis, trains and other public transport. Minibuses are now used more and more as a permanent mode of transport especially for groups such as charities, scouts, schools, nurseries and clubs. www.minibus-insurance.net can help you choose the right minibus insurance for your needs, they will ensure you receive the lowest possible price without compromising on the policy itself.
Speak to the experts
If you are a new minibus owner or own a current vehicle and are looking to renew your policy then speak to the experts online about insuring your minibus. Using the services of a reputable insurance broker is a good move, they have helped thousands of minibus owners throughout the UK with cost-effective cover. Why not check out www.minibus-insurance.net
for more information whether you use your minibus for:-
- private hire
- public hire
- community transport or business use
They can offer you the best rates for minibus insurance for your vehicle and protection from any eventuality.
Submit a quote today
There’s no time like the present when searching for competitively priced minibus insurance packages. Submit a quote today for fleet minibus insurance or one vehicle by completing an online application form which will only take a matter of minutes to do. Take a look at www.minibus-insurance.net, they can offer you the following regarding minibus insurance:-
- minibus insurance for drivers aged between 21 and 70
- policies for any driver
- fully comprehensive or third party fire and theft cover
- breakdown cover which includes home start and European cover too
- replacement minibus for non-fault accidents
- public liability cover for private and public hire minibuses
Learn more about minibus insurance
To save even more money on minibus insurance cover take some time out and learn about minibus insurance online by reading recommendable websites such as www.minibus-insurance.net. Friendly staff can point you in the right direction concerning policies and prices while also explaining in detail the different options available on how to insure your minibus. There are plenty of online handy hints and tips in helping to keep the cost of minibus insurance low, expect a professional service at all times from online specialists who will be only too happy to help with minibus insurance cover.
Setting up or taking over an existing business can be extremely difficult, there’s so much to arrange and so much to organise that insurance may be put onto the back burner. Don’t let this happen, one call to a reputable online card shop insurance specialist is all that is required to buy a policy that covers you against legal liabilities and any other risks you may face as a retail card shop owner. Brokers understand the urgency for card shop insurance, they can provide a free no obligation quote in a matter of minutes whatever type of card shop you own.
Reasons for choosing brokers
Let brokers help you choose the right card shop insurance, they have invaluable experience in helping large retail chain businesses and single card shop operators to arrange affordable card shop insurance that covers a range of options for instance:-
- public liability insurance
- shop buildings insurance
- stock and contents insurance – flexible sums insured
- money cover included as standard
- employers liability insurance – this is a legal requirement for retailers who employ staff in the UK
Online insurance specialists can also provide you with additional cover for legal expenses and goods in transit, speak to them today to find out more.
Why card shop insurance is so important
Every business including retail owners face the prospect of legal liability claims from customers, suppliers and members of the public therefore it’s extremely important to buy card shop insurance at the first opportunity. Public liability insurance cover meets the costs and damages that may be awarded to members of the public for any injuries they might sustain on your shop premises, likewise employers liability insurance will also help you meet the costs and legal fees for any employees who claim negligence if injured or became ill while in your employment. Brokers can supply one easy to manage card shop insurance policy to take care of any potential risks concerning claims.
Check out business interruption insurance, if there was a major disaster such as a fire which resulted in the closure of your card shop, the resulting loss of earnings as well as customers could be extremely costly. Business interruption insurance which can be purchased from established online insurance specialists, this will pay for your loss of income and costs during your card shop’s closure. There’s no time like the present to learn more about card shop insurance and how it can protect your business.
The value of landlords insurance to owners of properties who have tenants cannot be underestimated especially when you consider the many risks involved. Reliable online brokers can compare landlords insurance policies for both residential and commercial properties, the most basic types of cover provides protection for landlords:-
- against property repairs
- for reconstruction as a result of such disasters as fire or flooding should the worse happen to their property
Sometimes mortgage providers require fully comprehensive landlord insurance as security against the property for which they are lending landlords capital for, speak to brokers about this and let them compare landlords insurance for you.
Insurance for property portfolios
It’s worth remembering that standard home insurance simply won’t extend to protect landlords who have rented property portfolios whether they have a single rental property or a large amount of properties available for tenants. Brokers however can provide and compare landlords insurance to ensure you receive one single policy which has the advantage of:-
- protecting a property portfolio
- having one single renewal date
- having one point of contact for any claims
- having all the policy details in one document
In addition to this, brokers can often offer landlords discounts when purchasing insurance for multiple properties compared to separate landlords insurance policy.
Established online brokers realise that the landlord insurance market is extremely competitive which means many insurance companies are offering landlords a wide range of feature packages of landlord insurance policies or to compare online with a member staff by telephone. Of course a landlord has the duty to him or herself to compare prices and quotes to save cash in reducing insurance costs and maintain their profit margin. Thankfully brokers can save you time by doing this for you by making an informed decision about the level of cover you require at the right price by using their database of renowned UK landlord insurance providers.
Cheap landlord insurance
Making sure you have the right level of protection for your let property can sometimes be a little tricky, however not with the help of professional online brokers. Shop around, landlord insurance premiums vary considerably so remember to compare prices. Why not increase your policy excess, even a small amount can result in big savings, you can also save tax on landlord insurance as a deductible expense, brokers can advise you about this and many more ways in which to reduce the cost of insurance premiums.
What is covered under your landlord insurance?
A survey in 2010 by specialist buy to let mortgage lender Paragon found that one third of all landlords in the UK did not have any specialist landlord insurance. This means that one in three landlords have the wrong insurance or no insurance at all on their rental properties.
If you own a ‘buy to let’ property, it’s vital that you get the right landlord insurance. A standard home insurance policy often contains clauses which mean the policy won’t cover you if the property is rented. So, if you want to make sure you’re adequately covered, consider these three types of landlord insurance.
The most important cover you should buy is buildings insurance. There are dozens of insurers that offer specialist landlord insurance for buildings. It covers your property in the event of fire, flood or storm damage. Many policies also cover ‘loss of rent’ if your property is unable to be let out due to damage covered under the buildings insurance.
Whilst some fixtures and fittings may be covered under the buildings element of a landlord building insurance policy, contents insurance protects any items of furniture or other equipment in your rented property. If you leave your furniture or any white goods in the rental property, you may want to make sure that these are covered under your landlord insurance policy.
Contents insurance often also includes ‘accidental damage’ cover and can include protection for contents kept in garages or sheds.
Legal expenses cover
The 2010 survey from Paragon also found that only twelve percent of landlords have combined legal expenses and rent guarantee insurance. For a small additional premium, you can often include legal expenses cover on your landlord insurance.
Legal expenses cover is designed to provide protection in the event that you have legal problems with your rental property or tenants. For example, you may have to evict tenants who are in arrears with their rent. Or, you may have to go to court to claim rent arrears or recover costs for damage the tenants have caused to your property.
If you have to take legal advice or action yourself, the costs can be significant. So, including this cover on your landlord insurance can help you protect yourself should the worst happen with your tenants.
Experienced financial press writer Vince Oliver write regularly for Globe Europe and www.landlord-insurances.net.