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Insurance - Things to look out for when you are buying an insurance policy

Beware of buying insurance offered alongside something else

Have you shopped around?

Have you compared like with like?

Does the policy cover everything you need it to?

Have you answered all your insurer’s questions truthfully and accurately?

Do you need expert advice?

Do you need expert advice?

If you have an unusual car or a house that is of a non-standard construction, using an insurance broker may get you a better deal.

Some types of insurance – such as critical illness and income protection – vary widely and have complex terms and conditions. If you’re buying this type of insurance, it’s worth getting an adviser to help you find the best policy to suit your needs.

Have you answered all your insurer’s questions truthfully and accurately?

Whether you’re applying online, by phone or by application form, make sure you take reasonable care to answer all the insurer’s questions honestly and to the best of your knowledge. If you don’t, your policy may be cancelled, or any future claim could be rejected or not fully paid out.

Does the policy cover everything you need it to?

Read the policy document. At least check the features that are important to you in the policy summary. Otherwise, you are potentially wasting your money and might not be covered when you really need it.

If you have already bought a policy, you have 14 days (30 days for life, income protection, payment protection and critical illness policies) to change your mind if you decide the policy isn’t suitable for you. However, for home and car insurance you might have to pay an administration charge and the cost of any days already covered.

Have you compared like with like?

Watch out for how different charges, types and levels of cover, and your excesses are calculated when you compare policies.

For example, some insurers set their voluntary excess (the amount of any claim not covered by the insurer) at a high level to make sure they come out cheapest on comparison sites.

When comparing policies and prices, make sure that the features you are comparing – such as excess amounts – are similar.

If you are buying from a comparison site, remember to check the level of cover you’re being offered – insurers often cut down on cover to make sure that they’re the cheapest.

Have you shopped around?

Don’t compare on price alone as the cheapest policy isn’t usually the best cover for your needs, and it is important to compare both the price and the level of cover. Try to get at least three quotes.

There are many different ways to buy insurance, here are the main ones:

• an insurance broker or independent financial adviser
• Comparison sites and online insurers
• Banks and building societies
• Supermarkets and department stores

Don’t assume that insurance bought over the internet or from a comparison site is automatically cheapest, or offers the best cover. If you’re looking for car or home insurance, then comparison sites are a good place to start. But remember that no comparison site covers all the insurance companies.

Get quotes from more than one comparison website and look at them alongside quotes from insurers who don’t appear on comparison sites.

Beware of buying insurance offered alongside something else

For example you may be offered:

• Buildings and contents insurance, life assurance and critical illness cover when you take out your mortgage
• Warranty insurance when you buy a new washing machine or computer
• Travel insurance when you book a holiday, or
• Payment protection insurance with goods bought from catalogues

If you need this insurance, you may get it cheaper with better cover elsewhere.

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What to do after GRADUATION

In India, scope of various type of bachelor degree is so much wider. After graduation, a student need to choose the right way for their further studies. Some of student even don't know what is right for them and how to proceed. For them and for all of the viewers of Knowledge Mania, I present a short overview of Entrance / Aptitude tests available in India after graduation. There are so many Entrance Tests / Aptitude Tests for admission in Management Programs in India after Graduation.

CAT (Common Admission Test) - For entry to the management programs at IIMs (Indian Institutes of Management) (*The most reputed Institutes of India in terms of management studies) and various other business schools in India.

GATE (Graduate Aptitude Test in Engineering), JAM (Joint Admission Test to M.Sc.) and JMET (Joint Management Entrance Test) – Standard means of entry to various graduate courses at IISc (Indian Institute of Science) and the IITs (Indian Institutes of Technology).

MAT (Management Aptitude Test) - For admission to Master of Business Administration, Master of Management Studies, etc. programs.

XAT (XLRI Admission Test) - For admission to the management program at Xavier Labour Relations Institute.

GPAT (Graduate Pharmacy Aptitude Test)- For entry to the master programs in the pharmacy
NIPER (National Institute of Pharmaceutical Education and Research) For entry to seven institutes of Indian government

JEST EXAM which have two phases of examination first phase is objective and second phase is subjective, by getting rank in this test we can admitted into IISC Bangalore

Many other exams like after BTech with GATE preparation are ISI, TIFR, UGC-NET, PGSET, NITLE, IISC

Truck jumps 83 feet over a speeding F1 car

A 16-tonne transporter truck jumped 83 feet over a speeding F1 car in a record-breaking stunt. Both vehicles raced side by side, reaching speeds of up to 70mph before the death-defying jump. Hollywood stuntman Mike Ryan drove the truck and trailer over the jump at Bentwaters Park in Suffolk. The height that Mr Ryan reached with the truck was a new world record, which makes the achievement even more impressive. Guinness measured the distance from where the back of the truck touched down - although the front actually landed at 137ft and seven inches. As the truck smashed down into the ground, debris and smoke flew out of the bottom as the car raced off safely into the distance. Experienced stuntman Mr Ivanov has driven cars in both James Bond and Bourne films.

Russian takes it to a new level…

The ice bucket challenge is for wimps! Just when you thought it was over, Russian takes it to a new level… with LIQUID NITROGEN

The bitterly cold liquid has a temperature of minus 195C.
But Anton Sharypov, 34, is unafraid to pour a bucket of it over his head.
'I am putting my faith in the laws of physics,' he says before the challenge.


The ice bucket challenge may seem cool if you live in a place which is usually quite hot, but for those who dwell in a cold climate the idea is probably less impressive.
Like if you lived in chilly Russia, for example, the sensation of tipping a bucket of ice water over your head is probably not dissimilar to leaving the house on a rainy day.
So it's perhaps no wonder that it's a Russian scientist who has staged the most spectacular spin yet of the ice bucket challenge – using minus 195 degree Celsius liquid nitrogen.

Two University Students Graffiti National Assembly, Say It Was For Homework

Seoul Yeongdeungpo Police have charged but not detained Moon and Kim  (University Students) for illegally entering the National Assembly and marking the building with graffiti. (The official charge is trespassing in a public building and damage to a public object).

According to the police, at 5:55 p.m., Moon (and Kim) used black paint to graffiti “I hate you” on a column near the rear entrance of the main National Assembly building in Yeouido.

The two slipped in through the southern entrance at 5:20 p.m., and encountered no resistance. After the crime was committed, they were caught at the scene by a situation room employee and a riot police officer patrolling the area.

Moon and Kim are current students at a university in Seoul . In the police report, they stated that, “We had an assignment to make a video advertisement expressing freedom that was out-of-the-ordinary. So we wrote that and were going to take a video of it. We didn't know it was a crime.

The First Handheld Mobile Phone

Motorola was the first company to produce a handheld mobile phone. 

On 3 April 1973 when Martin Cooper, a Motorola researcher and executive, made the first mobile telephone call from handheld subscriber equipment, placing a call to Dr. Joel S. Engel of Bell Labs. The prototype handheld phone used by Dr. Cooper weighed 1.1 kg and measured 23 cm long, 13 cm deep and 4.45 cm wide. The prototype offered a talk time of just 30 minutes and took 10 hours to re-charge.

Alla Rakha

Today is the birthday of ledgend "Alla Rakha"

"Qureshi Alla Rakha Khan" also known as "Alla Rakha". An Indian tabla player. He was a frequent accompanist of Ravi Shankar.

Birth: April 29, 1919, Jammu

Death: February 3, 2000, Mumbai

Spouse: Bavi Begum

Children: Zakir Hussain, Taufiq Qureshi, Fazal Qureshi, Khurshid Aulia, Razia Khan

Albums: Rich à la Rakha, Drums of India, Shared Moments, more...

India's only gorilla 'Polo' is no more...

Polo, the country’s only gorilla, listed as one of the world’s critically endangered species, died at the Mysore zoo (Sri Chamarajendra Zoological Gardens) Saturday night. The 43-year old Western Lowland Gorilla was suffering from old age ailments and was buried next to his old time friend Wali, a chimpanzee, who had died in the same zoo last year.