There is an age limit with regards to who can enter many of these contests. A person must be eighteen years of age or older in order to get into paid surveys on a number of sites. This is an important thing to take a look at because not all people who are going to be allowed to handle paid surveys are ones who are of the right age for entering contests.

General insurance fraud costs the industry as much as £1.9 billion annually, according to the Insurance Fraud Bureau. Higher costs for companies mean higher rates for consumers, which already exceed £1,000 per year for some motorists. Check out these top insurance scams to see what the insurance industry is grappling with today.

Crash for Cash

While purposely staging a vehicle crash with the intent of collecting a hefty insurance check is not a new insurance scam, it is definitely a growing one. According to Keoghs 2010 Motor Fraud Index, the numbers of suspicious motor claims are steadily increasing, particularly in some of the more populated areas of England and Wales.

Cover Notes

It is no secret that young male drivers often have the hardest time getting insurance coverage. However, many of them have found a way around their insurance dilemma by obtaining stolen cover notes on the black market. These cover notes are used to keep young drivers out of trouble, but they don’t offer any real protection to these youngsters or the other motorists on the road.

Whiplash

This “oldie but goodie” in insurance fraud still rakes in about £7,000 on the average claim. To boost the value of the scam, drivers claim that more than one passenger in the car also suffered from whiplash. However, the cause of the crash is usually a friend of the driver, and the only pain in the neck occurs with the insurance company who processes the false claim.

Stolen Car

For a really lucrative scam, many resort to the fake report on a stolen vehicle. The car may actually be put into hiding or destroyed by a friendly scrap dealer. One claim was made by a driver who said the car was stolen when he actually sold it to a friend before filing the claim. It was a potential double payoff for the vehicle owner, and a double whammy for the insurance company – at least until the car showed up safe and sound.

Cancelled Insurance

Some drivers in Britain purchase their insurance and receive documentation to prove their insurance coverage. However, they cancel their policy a short time later, receiving a refund for the unused term. Unfortunately, the discovery of a cancelled policy may be too late for another motorist in the event of an accident.

Stolen Credit Cards

Another scam is to purchase car insurance using a stolen credit card as payment. The policy is cancelled soon after and a refund issued – often before the insurance company realizes the scam. As much as £6 million in insurance fraud may be due to these scams.

Insurance fraud is expensive, both to the insurance industries and the drivers they are there to protect. The good news is that awareness of potential scams has increased steps to catch the con artists, helping the insurance companies keep their costs as low as possible.

Lease charges that a business would have to go through can generally be seen as a type of debt that a business will be relieved of after it goes through a pre pack liquidation. Because of this the old terms of a lease that a business had at some place will be eliminated after the process is handled. The phoenix business that comes out of the pre pack administration will have to look into a new plan with regards to getting a lease.

In most cases a phoenix business will be able to work with a new lease that is at the old location that the original business was based out of. This can be beneficial in that it allows for a seamless transition from one business ownership to another. In some cases a new lease can be created with different terms and different rent rates.

Be aware though that in some cases lease groups might look into charging extra amounts of money for rent when a business gets into a new format after a pre pack administration takes place. When a business is at a better financial standing and does not have to deal with the past debts that it had to deal with some business space owners might take advantage of the new money that a business can work with.

The way how business space leases are handled with the process of a pre pack administration is great to check out. This is something that can help to get a business to be able to operate at its old location and with a new lease deal.

Worried you’ll spend too much this December? Have a huge family and too many friends?! Well here’s one great idea to save everyone £££s this Christmas….

christmas cards are a small token of our appreciation but the costs certainly mount up. And with the postal strikes still an issue, what better way to save money and guarantee your card arrives instantly than by sending free ecards?
Ecards.co.uk allows you to select and send a whole range of Christmas cards with a few clicks of the mouse. Incredibly user friendly, just follow the step by step instructions on screen in order to send a great festive greeting your friend or family member will love. The only tricky part of the whole process is deciding which ecard to choose!

The site is totally free you can send as many Christmas cards as you wish, so why not browse through the large selection on offer and see which cards are your favourite
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