Travel Insurance

GSI have recommended Fortis travel insurance  for over 20 years now. During this time their rates have continually proven to be competitive and their cover is one of the widest avaiable in the travel insurance market.

Fortis Insurance is one of the UK’s most experienced travel insurers, covering more than 50 million travellers over a period of 35 years.

Their insurance offers value for money with high levels of cover for holiday makers and business travellers, with a choice of single trip, multi-trip and long stay cover, plus additional options to include winter sports, business equipment, European vehicle breakdown and excess waiver.

Support is available from  Fortis Onecall, and medical emergency service; Assistance International – both of which are based in house and operate 24 hours a day, 365 days per year.

Download more details and a summary of cover

There are valuable extensions available such as  winter sports cover, golf/business equipment cover, excess waiver or indeed reductions for cover not needed.

Rates start from as little as £16.50 for european cover for 1 person up to 17 days (Terms and conditions apply)

Phone GSI on 01474 359118 for a travel Insurance quote now

Advice to Golfers

Information displayed at a Scottish Golf Club

1.  BACK STRAIGHT, KNEES BENT, FEET SHOULDER WIDTH APART.

2.  FORM A LOOSE GRIP.

3.  KEEP YOUR HEAD DOWN!

4.  AVOID A QUICK BACK SWING.

5.  STAY OUT OF THE WATER.

6.  TRY NOT TO HIT ANYONE.

7..  IF YOU ARE TAKING TOO LONG, LET OTHERS GO AHEAD OF YOU.

8.  DON’T STAND DIRECTLY IN FRONT OF OTHERS.

9.  QUIET PLEASE …. WHILE OTHERS ARE PREPARING.

10.  DON’T TAKE EXTRA STROKES.

WELL DONE!  NOW …..
FLUSH THE URINAL, WASH YOUR HANDS, GO OUTSIDE AND TEE OFF!!!

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The cost to us for uninsured drivers

Young men top uninsured list

February, 2010

Male motorists living in Dumfriesshire are the most likely to have a conviction for driving uninsured, according a respected source within the Insurance Industry.

The  analysis came from  almost three million car insurance quotes given over a year and found that men in their early twenties living in the Scottish town of Sanquhar in Dumfriesshire, have the highest proportion of convictions on their license for driving uninsured (28%).

Men of the same age living in Hebden Bridge in West Yorkshire, and those in Glasgow, take second and third place, with 24% and 20% respectively having the IN10 conviction.

Boy racers

Men under 25, generally speaking, seem to be the least responsible group of drivers  from all categories, they appear to be both boy racers and law breakers

With half of the top ten profiles for uninsured drivers being males under 25 years old, they are more likely to flout the law by driving without car insurance.

Unfortunately the high cost of car insurance, especially for younger drivers, could be the overriding reason for this. With recent news that the cost of comprehensive car insurance increased by almost 19% in 2009,2 we could see the number of uninsured drivers on our roads increase in the future.

Women drivers

Only one female profile appearing in the top ten. Female motorists in their early twenties living in the market town of Dunstable in Bedfordshire take seventh spot.

Postcode/ Area/ Age / Gender/ Offence Code/ % of convictions

• DG4/ Sanquhar, Dumfriesshire/ 22 – 25/ Male/ IN10/ 28.42%
• HX7/ Hebden Bridge, West Yorkshire/ 22 – 25/ Male/ IN10/ 24.88%
• G14/ Glasgow/ 22 – 25/ Male/ IN10/ 20.43%
• M12/ Manchester/ 31 – 40/ Male/ IN10/ 17.42%
• KA4 Galston, Ayrshire/ 17 – 21/ Male/ IN10/ 15.79%
• E9/ Hackney, London/ 51 +/ Male/ IN10/ 14.39%
• B7/ Nechells, Birmingham/ 51 +/ Male/ IN10/ 14.29%
• LU5/ Dunstable, Bedfordshire/ 22 – 25/ Female/ IN10/ 12.84%
• HR6/ Leominster/ 22 – 25/ Male/ IN10/ 12.45%
• W11/ Notting Hill, London/ 31 – 40/ Male/ IN10/ 12.37%

The Economy

The economy grew by 0.1% in the last quarter of 2009, bringing to an official end the longest recession since records began in 1955, but this in not something that we should get too excited about – either way. On the one hand, people are disappointed that the growth in Gross Domestic Product (GDP) was only a tenth of one percent – a quarter of the level expected by many commentators. On the other, there was relief that we are at least back in positive territory now.
The reason for a degree of optimism for those who were disappointed is that the Office for National Statistics has a habit of reassessing the figures as it goes and in both the second and third quarters of 2009, the revisions were upwards – mind you, for the four preceding quarters, the revisions were downwards, but that was simply following the trend; since we are now moving upwards, we can be (reasonably) confident that the revisions will be positive. If not, the next general election could be even more interesting!
The potential fly in the ointment, however, is that there were special circumstances that may have increased consumer spending in the final months of last year, especially the impending VAT rise on 1st January and deep discounting by retailers, both of which will have added to GDP growth. Equally, with an eye to the first three months of this year, the VAT increase may have an impact on manufacturing and sales and the bad weather we have experienced will have slowed retail spending – although it will also have increased expenditure on heating. Mind you, according to the Centre
for Economics and Business Research, the extreme winter of 1962/3 may have reduced manufacturing output by 7% in February, but there was actually no overall impact on GPD due to increased spending in other areas.

Private Medical Insurance (2)

Important considerations when arranging  Private Medical Insurance (PMI)

There are some very important aspects of PMI that must be understood when taking out, or comparing terms for, PMI. They include:

• understanding the difference between an underwritten policy and one with a Moratorium clause
• A Chronic illness will not be covered….what is chronic?
• How to reduce your premiums without compromising your cover
• Do not pay for cover you do not need
• Likewise do not scrimp on cover….only to regret it when claiming!!

Speak to us to discuss further on 01474 359117 or obtain more information and prices from Standard Life’s website     http://www.standardlifehealthcare.co.uk/content/index.html

Private Medical Insurance (1)

Using an Insurance Broker to arrange your  Private Medical Insurance may not be your first thought but we feel we are well qualified to recommend plans to you from Standard Life.

Standard Life has been pre selected by us as a suitable product provider for Private Medical Insurance using pre determined selection criteria, in addition to their attitude to paying claims.

They have won numerous awards for levels of service over the years including:

• Health Insurance Awards…Best Customer service 2001-2007
• Gold Standard Awards….Protection Category Winner 2003-2007
• AMII Winner of Insurance Performance Survey… 2002-2004 & 2006

Standard Life Health Care offer a range of plans for individual customers and companies. Their plans can give real peace of mind, by offering “full cover” options for private hospital treatment. Where they promise full cover, they deliver just that, picking up all the costs of your medical treatment – with no upper limits, no shortfalls and no nasty surprise bills. As well as no penalties for size of claim, they aim to cut paperwork to a minimum and settle bills direct with the hospital.

Their policy cover, options and prices are far too extensive to show in this article so why not click on the following link for more details. Phone us on 01474 359118 to discuss further if need be and remember if you have 2 or more policies with us you will qualify for a multipolicy discount.

http://www.standardlifehealthcare.co.uk/content/index.html

Loss of Car Keys

You name it we can insure it….(within reason !)

In the event you should loose your car keys we can arrange cover for up to £1500 to cover replacement of keys, locks and immobilisers

• Cover will include the cost of onward transportation and car hire costs if keys lost or stolen in transit.
• 24/7 helpline assistance
• £10 reward to finder of lost keys

Cost for cover £10. Please phone 01474 359117 to arrange cover

Breakdown Insurance

As well as offering extremely competive motor insurance quotes GSI also provide very competitive “add on” covers such as Breakdown Insurance.

For Breakdown Insurance we recommend a single product cover provided by the RAC through Broker Direct Assistance.

Our price to you is £65 per vehicle and this includes Roadside, Recovery, At Home, Onward Travel and European Cover …..all for £65.

We believe in quality cover whatever the price, so we have not gone for just any old breakdown company, we have chosen the RAC …arguably one of the very best.

Terms and conditions apply. Please phone for details on 01474 359117

Gap Insurance

Quite simply Gap Insurance will pay the difference between the current market value of your vehicle and whatever value the Insurer places on the vehicle should it be declared a write off. Cover is available for 2-3 years.

Cost for 2 year cover on a car is from £165 and for 3 years £199

Benefits:

• You do not have to borrow additional amounts to replace your vehicle with a similar model
• Can be used to help settle outstanding finance, in addition to settlement from Insurer

For further information please contact us on 01474 359117

Excess Protection Insurance

Having your vehicle damaged or stolen can be a stressful enough time without worrying about paying for your excess.

GSI has a facility in place that covers your excess when you need to make a claim on your Motor Insurance policy for damage, fire, theft and vandalism.

Depending on the type of vehicle you are insuring the cost to cover a £500 excess starts from £25. Please contact us for further information on 01474 359117 or visit our website www.gsionline .co.uk