Travel insurance is designed to protect you against the cost of any unforeseen events when you are on holiday, or before if they force you to cancel your break. It’s up to you if you buy a policy. Cover varies hugely between deals, so reading the small print before you buy is vital. The benefit of cover A good travel insurance policy will ensure that any unexpected medical bills are paid and that you can get home in an emergency. Even routine surgery such as an appendectomy costs around £7,500 in Europe, according to insurer esure, increasing to £25,000 in some parts of America. It may also meet the cost of new baggage if your luggage is lost or stolen, and compensate you if your trip is cancelled, your travel delayed or you miss your departure. Medical costs Whether or not you are buying insurance you should take a European Health Insurance Card (Ehic) with you when you travel to the continent. This provides you with access to free medical treatment in EU countries, as … [Read more...] about Factsheet: Travel insurance
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Should I continue with the purchase of my first home amid concerns about subsidence - and after finding out that the property has been underpinned? Hearing that a property has had subsidence sets alarm bells ringing for many buyers MailOnline Property expert Myra Butterworth replies: Finding out that a property has had subsidence can be upsetting for a first-time buyer, and they think that it could potentially spell the end of their journey for that particularly property. However, there are many properties affected by subsidence across Britain where remedial work has been undertaken, insurance continues to be granted, and that get bought and sold each year. It is important to find out key information before making a final decision, including whether the subsidence is historical or current. This guide can help with spotting subsidence. You'll need to do your research carefully and listen carefully to advice from experts, including the solicitor you are using to … [Read more...] about PROPERTY CLINIC: Should I continue buying a home amid subsidence concerns and discovering it was underpinned?
Almost half of renters believe they will only get onto the property ladder if they inherit a house - or the money to buy one, new research has revealed. The findings by insurer Aviva found that 46 per cent of tenants reckon they won't become homeowners without an inheritance. It explained the reasons for continuing to rent rather than buy are mostly financial, with 62 per cent of tenants saying it is because they can't afford to buy, with 12 per cent saying that they're saving for a deposit. It comes as Britain continues to be a nation aspiring to own their own properties with only 11 per cent of respondents saying they don't want the responsibility of being a homeowner. Half of renters believe they will only get onto the property ladder if they inherit a house - or the money to buy one The research also found that tenants typically spend more of their income on rent at 35 per cent, compared to homeowners who typically spend 25 per cent on their mortgage. Those who rent privately are … [Read more...] about How will you get onto the property ladder? Half of renters reckon it will only happen if they INHERIT a house – or the money to buy one
A couple who had to sell their beloved £35, 000 painting after going over their initial £500, 000 budget have revealed the challenges they faced building their dream airfield house in Grand Designs. In tonight's episode of the channel 4 show, Kevin McCloud returns to Strathaven in Scotland, to meet flying instructor Colin MacKinnon and his partner, hovercraft instructor and trapeze enthusiast Marta Briongos. They are part of the very select few who can claim to own their own airfield and their love of flying is so great, they decided to live on the airfield too. Their ambitious plan was to build an incredible metal sculptural home inspired by aircraft hangars right next to the runway. But the difficulties of building their elegant design soon became apparent, while finding people to do the work proved tricky. Then with the project barely off the ground they had to contend with violent rain, snow, and the worst storms for a hundred years. With work … [Read more...] about Grand Designs couple who had to sell a £35,000 painting to finish their airfield home on a Scottish hilltop insist it was worth the six-year wait – and it boasts an art studio and observation deck with runway views
Australian financial experts recommend opening four bank accounts, car pooling to work and investigating the 'sale' price of an item in order to save money for a house deposit. While it might seem like the cost of living is only getting higher - and dreams of owning your own home more unattainable - there are simple things you can do to achieve your goals. Making small changes around the house like giving up your gym membership, buying home brand products and hanging wet clothes out instead of putting them in the dryer will help, as will making these four core changes. Scroll down for video Saving for a house deposit can be hard work but employing the right savings strategies could help you get the front door keys of your dreams (stock image) Compare the capitals: Median house prices:Sydney - $821,438Melbourne - $656,163Brisbane - $493,041Adelaide - $433,464Perth - $448,336Source: CoreLogic HAVE FOUR DIFFERENT BANK ACCOUNTS While it … [Read more...] about Revealed: The money tricks that will help you save for a home deposit fast – and the four bank accounts EVERYONE should have set up to budget better