Insurance plays an important part of our everyday life and is paramount to everything we do. Insurance ensures that we are prepared should the unexpected worst-case scenario arise.
Why is insurance important?
Insurance is important for a number of reasons, it can be a legal requirement as well as a moral one. The main reasons why anyone should opt for insurance is as follows:
· You know you’re covered for unexpected incidents
· Emergency medical surgery can be arranged
· It can cover unexpected loss of income due to illness in some cases.
If you work as a driver in any sector, for example a taxi driver, you will be fully aware of the dangers should anything occur in relation to your health. Not being at your best means that you will not be able to work the hours you require to fulfil your financial commitments, so you need to ensure that your best interests are thought of. Although we have the NHS the overbearing volume of that currently use the service can mean you may be waiting to be seen for some time. The right kind of insurance can speed this process up.
What kind of insurance is right for me?
The brilliant thing about today is that the internet has opened the doors to many insurance providers, which in turn means you can receive quotations for your specific needs. Things to consider when applying for insurance are:
· The type of cover you will require (i.e. are you a HGV driver, or a taxi driver?)
· Your current budget, can you keep up payments
· What kind of scenarios you could experience
You will find that many insurers are able to compare prices and some can even offer a tailored product to meet your specific needs. It can be hard to pre-evaluate scenarios but once you have run through your requirements and have the insurance is in place you can rest assured that in today’s busy world, it is one last thing for you to worry about.
Can I do without health insurance?
Of course there is no legal requirement to have medical insurance in most cases, but the best stance is to treat your body as you would your car, image the repercussions if when phoning the DVLA contact number parties where to find your car wasn’t insured, the overall costs would be overwhelming. Things to consider when deciding whether health insurance is for you or not should be:
· Can I afford to live following any accidents?
· Can I afford to take the time off work it will take to be medically assessed without insurance?
· Am I fully confident in all aspects of what is expected of me in such circumstances?
Many may see such things as scare mongering by companies, but the fact remains that insurance remains popular for a reason, for a small amount each month you could save yourself both time and money in the long run. There really isn’t a price you can put on both your career and your well-being as well as you being safe in the knowledge that should anything happen, all your needs are covered and you can concentrate on recovering.