Posts Tagged ‘Travel International’

A short history of insurances

September 23rd, 2022

Normal 0 14 false false false IT X-NONE X-NONE /* Style Definitions */ table.MsoNormalTable {mso-style-name:”Tabella normale”; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:”"; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:”Calibri”,Guest Posting”sans-serif”; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:”Times New Roman”; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} Nowadays we are used to deal with many different types of insurances, and it seems that there is no single sector of your life that you cannot insure. Some movie, TV and music stars insure even their body parts, like in the famous cases – real or presumed – of Jennifer Lopez’s back or Heidi Klum’s legs.

We are so used to take for granted that everything, from cars to homes, can be insured, that it might be difficult to imagine that in the past there were no insurances, not like the ones that exist nowadays. In fact men have tried to insure themselves and their possessions for centuries, and to find the first examples of insurances, or at least of the ancestors of insurances, you need to go far back in time. The first insuring instrument date back to the Ancient Egypt, more precisely to 2700 B.C., when a cash for the funeral expenses of stonecutters was instituted. Similar examples of solidarity and mutuality can be found also in the ancient Greek, Roman and Middle East civilizations, and they can be seen as the germs of nowadays insurances.

In order to find something more similar to nowadays insurances you must consider a most recent period, more precisely the 14th century. It was in this century that the first insuring forms developed, which were meant to protect the goods that travelled by sea. Insurances, indeed, were first intended as instruments to protect oneself against unexpected events, and travelling by sea certainly meant having to face many unexpected situations. No wonder that the first insurance institutes were born in cities by the sea or by the river, like in the case of Florence, where the figure of the intermediary was first created in the 14th century, or Genoa, the city where the first insurance company was instituted (its name was Tam mari quam terra). Genoa is also the city where one of the first policies that we know was taken out by Raffaele Luxardo, member of one of the families that have gone down in the history of insurances. This policy, a document that was written by notary Teramo Maggiolo on the 21st February 1368, was taken out for Niccolò Becchignone’s ship, which was insured for 425 gold “perperi”.

Purchasing the Best Car Insurance

March 14th, 2022

In the past, car insurance was not a necessity, as some people went for it and some did not. However, today an auto coverage policy is one of the crucial things in your life, if you own a car. People need proper coverage, no matter how luxurious or modest their car is.

The way people buy insurance has also changed. In the past, buying a car insurance just meant to meet your neighborhood agent and ask him for it. But now, it is somewhat different, as you have got lots of other options at your disposal from where you can get your vehicle insured, with some entirely new coverage choices.

Buying car insurance: Which method to choose?

When you want insurance for your car, you might be puzzled as from where you should get it. Should you deal with an insurance agent or should you go online? You can choose among different options for getting your car insurance. This includes:

Buying from captive agents
Buying from independent agents
Buying online

People, who prefer personal services and like to form face-to-face relationships, should certainly purchase their policy from an agent. But, since there are different agents, they need to decide which one is the best for them.

Among these, some are called ‘independent agents,’ who sell insurance for numerous companies and some are ‘captive agents,’ who sell insurance for just one firm. Let us see the different features of these agents, so that you can decide easily and quickly the right agent for yourself.

1. Buying from captive agents

You should buy your coverage from a captive agent, if you are dedicated to a specific insurance firm. Since captive agents deal with only one company, they will know all the different insurance options offered by that company. And, thus they can assist you to build the right package based on your needs. However, captive agents may take more time to respond to your questions and to know your needs as compared to independent agents who work for commission.

2. Buying from independent agents

You should buy a policy from an independent agent, if you want to check out the different insurances provided by different companies, as independent agents deal with several companies and not just one particular insurance firm. This way you can get a better rate.

And, since independent agents are not directly employed by any one firm, they would not push one specific product and will tell you the right things about all the insurances. Thus, independent agents can aid you to find inexpensive coverage for your car. However, since they work for commission, they are under more pressure to grab a deal as soon as possible.

3. Buying online

The third option is to skip insurance agents completely and to work directly with the company online. However, for this you have to do most of the work yourself. You have to conduct a thorough research on different coverage providers, what they offer, the rates of their insurance, and what all their policies covers. Then, you can talk to the company, that best fits your needs to procure the coverage itself.

Among these, some insurance companies that employ agents do not necessitate you to work with them and a few of them do not employ agents at all. Buying auto insurance online is one of the best options for you if you do not have much time and want to get inexpensive car insurance, as it saves you from paying commission to an insurance agent. If you are not sure about your car insurance needs, then buying car insurance online, without an insurance agent can cause you to buy the wrong, too little, or too much insurance.