Tag Archives: holiday home insurance

Confused.com Reveals That A Third Of UK Workers Admit Pulling A Sickie

Confused.com has revealed more than a third of workers (35 per cent) admit having lied to their boss about the reason they have missed work. Popular excuses workers use to pull the wool over their employer’s eyes include flu, stomach aches, diarrhoea and bad backs. However, the astonishing number of people who still go into work when they are actually unwell implies a dangerous culture of ‘presenteeism’.

The poll of 2,000 UK workers also reveals the top five professions where people are more likely to make up an excuse to their boss about missing work. These are call centres (54 per cent), utilities (47 per cent), the voluntary sector (45 per cent), health (43 per cent) and fashion and design (42 per cent).

Meanwhile it also highlights the regions where workers fib the most too. These are East Anglia (40 per cent), the East Midlands (38 per cent), the North East (37 per cent) Yorkshire and the Humber (37 per cent), and the South East (37 per cent).

Despite many employees making up excuses to have a day off, many more still soldier on and go in to work despite feeling unwell. More than half (55 per cent) of people polled said they had gone into work when they felt too ill to do so because they were worried about what their boss or colleagues would think.

Confused.com is warning UK workers to consider what protection they have in place in case long-term illness does strike. Matt Lloyd, Head of Life Insurance at Confused.com, said: “Our research suggests that the culture of turning up to work ill is more of a threat than ‘pulling a sickie’. It is very worrying that workers are not prioritising their own health and feel that they cannot take a day off sick when they are genuinely unwell.”

Matt Lloyd continued: “With many people experiencing a lack of job security over the last few years, it’s a really important time to think about protection products, such as income protection and critical illness cover, especially if you have dependents such as children or you have regular payments to make such as a mortgage.”

The research also shows that women are more likely to worry than men about taking time off sick – 64 per cent say they have been into work when they felt ill because they were afraid their boss wouldn’t believe them. Nearly half (47 per cent) of men said the same thing.

More than one in 10 workers in the UK has missed work due to a hangover, according to the study. People from the North East are most likely to miss work after a heavy night out – 15 per cent of workers polled from the region said they had missed work because they were hungover.

Other common reasons why people had missed work include simply staying in bed to catch up on sleep (10 per cent).

Via EPR Network
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Confused.com Reveals Why Single People Are ‘Mating’ With Friends For Life

A new Confused.com report, entitled ‘Friendships, Finance and the Future: The rise of Singledom in the UK’, has revealed that almost three quarters* (72%) of singles have friends who will be friends for life, and four in five say that friendships last longer than romantic relationships. Men in particular are saying no to marriage. Just three in ten single men think they will ever get married, and 48% think single people are more fun.

This new report also identifies a new demographic in UK society: FLAPers (Financially Liberated and Positively Single). This is a new breed of single people who are turning the tables on the stereotype of the sad singleton and embracing the adventure and spontaneity. Like the flappers of the 1920s, who threw away their corsets and sought independent lifestyles, these FLAPers are celebrating a new era of positivity and empowerment in the wake of troubled times.

Experts at Future Poll, the research division of The Future Laboratory, predict that the future could see friendships among single people recognised as relationships that work while marriage increasingly fails. Laws will protect best friends and single people might formalise their friendships by entering into ‘mate-trimony’ agreements with their best friends. Relationship status on passports and census forms could include ‘mate-trimony’ as an option, next of kin will automatically be friends, and more and more singles will protect their friendships with life insurance – 59% of singles would consider insuring the life of a friend if they bought a house together.

As people stay single for longer, they are realising how much they rely on their friends for the things traditionally provided by a partner. Friends offer a shoulder to cry on: 45% of singles turn to their friends first for emotional support. Friends know each other inside out too: 30% of singles say the person who knows them best in life is a friend.

Singles even trust their friends, rather than family members, with their online secrets. Twice as many singles would rather have a friend see what they’ve been looking at online than a family member. 18 – 24-year-old singles would much rather that friends see their web-browsing history (62%) than family members (18%), probably because their friends would be less shocked.

The research found that 29% of single people in the UK have lent money to a friend in the last 12 months and in the West Midlands, 35% of singles have lent friends money in the last year. More than one in four single people would go to their friends first if they needed money urgently, and men (31%) are more likely to do so than women (23%).

To many single people, marriage is viewed as an old fashioned idea. 21% of single men think marriage is out-dated while 34% of single women think marriage lacks the value it once had.

Mike Hoban, Chief Marketing Officer at Confused.com said: “The need for us all to prepare for the worst, and protect our loved ones, is paramount. There is an opportunity for life assurance companies to reflect the rich diversity of our society and meet the needs of more people by making available products and services which reflect the value that people put on personal relationship outside of traditional family and marriage ties.”

Via EPR Network
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Confused.com Expands Their Telematics Car Insurance Providers

Confused.com has added leading telematics brand, insurethebox, to its ever-increasing car insurance panel. insurethebox joined Confused.com’s collection of leading car insurance providers on Friday 25 May.

Confused.com’s car insurance comparison service makes it easy for customers to compare different policies, and the new relationship with insurethebox affords those shopping for insurance an even greater choice than before.

insurethebox specialises in telematics insurance, which is targeted at drivers who believe they can reduce their premiums by driving safely. This can be of specific benefit to young males, who traditionally have the worst driving record and consequently the highest premiums.

insurethebox is the fourth telematics provider to be added to the Confused.com panel, following Autosaint, Coverbox and AA Drivesafe.

Telematics enables personalised insurance based on the safety of the policyholder’s driving. This is measured using data gathered by a device which is fitted to the car. The device is about the size of a deck of cards, and gathers data such as mileage, when and where the car is driven and harsh acceleration and braking.

insurethebox policies are unique in a number of ways. The insured is limited to a maximum number of ‘policy miles’ which they can drive in a year – currently 6,000. Extra miles can be purchased or built up.

Data gathered is sent to insurethebox, which then rewards safe driving with up to 100 bonus miles every month. The better the driving, the greater the chance of premium reductions on renewal. The data can also be accessed online through a secure personalised portal, so that the driver can see how they have driven and learn where they need to improve.

As an additional safety benefit, the telematics device will inform insurethebox in the event of an accident, and the emergency services may be contacted where appropriate. The device also acts as a tracker, which can deter theft and locate the car in the event of it being stolen.

The Confused.com telematics page contains plenty of information, as does the Confused.com telematics FAQ page.

Gareth Kloet, Head of Car Insurance at Confused.com, said: “For us, Confused.com customers come first. So we’re really happy to be able to offer them a greater choice and variety of policies.

“insurethebox are a market-leading brand with some really progressive ideas. Their telematics expertise is second to none, and we’re really glad to be able to add them to our impressive list of partners.”

Via EPR Network
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Confused.com To Offer Free Breakdown Cover With Any Van Insurance Policy

Confused.com is launching a new promotion giving away free breakdown cover with any van insurance policy purchased through the site.

The free breakdown cover includes up to two call outs for home assistance, within one mile of a customer’s home address; up to four call outs for road side assistance; payment for alternative travel up to £100 to the customer’s chosen destination; alternative accommodation up to £60 per person for one night and recovery for 23 foot caravans/ trailers.

Breaking down without cover could cost hundreds of pounds to be rescued. As purse strings are tightened and finances reviewed, drivers no longer need to think of breakdown cover as a costly extra due to Confused.com’s new promotion.

The promotion began on 6 June and will run until 31 July, so anyone buying a van insurance policy during this period will get free breakdown cover. Whether people are using their van for business or personal use, Confused.com searches the market’s top insurance providers to help them to find a competitive quote.

Confused.com’s van insurance covers small vans, medium vans, commercial vans, pickup vans and the commonly known transit van, offering a wide range of insurance cover for the customers various van needs.

The expert price-comparison site offers comparison on van insurance policies, allowing van drivers to get prices from 20 of the most competitive and market-leading brands, such as Aviva, Highway, Ageas, RSA.

A further benefit for buying van insurance from Confused.com is that any customer who buys any van insurance product through the website will receive 1,000 Nectar points, giving a little helping hand in these difficult times. All Nectar points will be awarded within the first 90 days of purchase and the points will go straight onto the customer’s card – so they can boost their Nectar balance by simply buying insurance.

Alex Higgs, Product Manager at Confused.com said: “As people’s purse strings are still tight, we want to help our customers save money, but also make their travel journeys as safe as possible. So by simply buying essential van insurance customers can help prevent themselves being left stranded on the side of the road by getting this free breakdown cover that we are offering in our new promotion.

“With our choice of cover options and our excellent value for money prices, we have a policy to meet the needs of every van driver. Confused.com is here to help customers get the right cover they need at the right price.

“Make sure you’re shopping around using a price comparison site like Confused.com as it allows you to not only check the price but also review the benefits you can get which you may not necessarily think about until you are in an emergency situation.”

Via EPR Network
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Confused.com Unveils Its Improved Motorbike Insurance Offering

Confused.com has teamed up with Vast Visibility to broaden its online bike insurance service.

Confused.com now goes to 35 insurers to compare motorbike policies for its customers. These include MCE, Bikesure, Carole Nash, and most of the other leading providers in the UK.

The motorbike insurance quotes service has been re-launched as a much slicker experience, helping to make it easier for bikers to find the right policy at the right price.

Confused.com compares policies for a range of motorbikes, including mopeds, scooters, classic motorbikes, sports bikes and quads and with every motorbike policy bought, customers can still claim 1,000 Nectar points.

Alex Higgs, Head of motorbike insurance at Confused.com, said: “We are delighted to be in partnership with Vast Visibility, working together to provide an even better service for motorbike insurance customers.

“We can now offer an even wider range of policies and a wider range of prices. With the list of questions nearly 20 per cent shorter, getting a quote through Confused.com is now easier and more intuitive than before. And, as ever, we will continue to make improvements.

“Having helped bikers compare insurance deals since 2008, we have a loyal base of valued customers, and hope to help an ever-increasing number of bikers save money in the future.”

The service shows prices for all three levels of cover – fully comprehensive, third party fire and theft, and third party only. This gives the customer even more information with which to make an informed decision. In addition, policy features can be compared side-by-side to aid with the decision of which policy to buy. At a glance, it’s possible to tell which policies feature helmet cover, breakdown assistance, legal cover and so on.

Once a bike insurance customer has compared policies with Confused.com, then comparing prices the following year becomes easier too. Confused.com sends the customer their best prices at renewal time, so they can see at a glance if it’s worth allowing their policy to renew automatically, or if they’d be better off comparing policies again.

Also, for the first time, motorbike insurance customers are able to complete their quotes over the phone. This is useful in case they get stuck, and means that it is now even easier to get quotes. Another way bikers could keep their motorbike insurance premiums down is to read Confused.com’s motorbike insurance articles, which are full of top tips and useful pointers.

Via EPR Network
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Confused.com Gives Away 5,000 Nectar Points with Every Life Insurance Policy

Confused.com has announced it is continuing its Nectar promotion with a new exciting twist; for every life insurance policy bought through Confused.com, 5,000 Nectar points will be given away to the policyholder.

Previously, Confused.com were giving away 3,000 Nectar points with every life insurance policy bought through the comparison website, but this has been extended to 5,000 points.

As of 1 June, 2012, any customers who buy a life insurance policy through Confused.com will receive 5,000 Nectar points.

Life insurance offers protection and support to family and loved ones if the worst should happen. By purchasing life insurance through Confused.com, customers are not only planning for the future, but will also get a little helping hand in these difficult financial times.

As well as giving away 5,000 Nectar points for buying a life insurance product, Confused.com will continue to give customers 1,000 Nectar points for every car, home, pet, bike and van insurance product they buy through the website.

All Nectar points will be awarded within the first 90 days of purchase. The Nectar points will go straight onto the customer’s card.

The Confused.com promotion not only gives customers competitive rates on all their insurance needs, but gives customers something back for their purchase.

Mike Hoban, Marketing Director at Confused.com, said: “After extending the Nectar giveaway which offered our customers the chance to get thousands of Nectar points by purchasing motor, home, life, bike and van insurance products we decided to increase the giveaway when customers purchase a life insurance product.

“Now customers can get 5,000 Nectar points as an added reward when they buy life insurance with Confused.com, which we hope will be a welcomed boost in these turbulent economic times.”

The 5,000 point Nectar promotion will also be supported by a TV advertisement, running from the 6 June, 2012. The new advert can be viewed at www.confused.com/cara

Via EPR Network
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Confused.com Reveals An Extra £4bn Is Being Spent On Life Insurance By Uk Men

Confused.com has revealed that men across the UK are paying far more for their life insurance than women. Currently, men are paying an average of 26% more per policy, per year than women. The average British male will incur additional life insurance costs of £1,366 over their lifetime which equates to a shocking national figure of £4bn being paid. To make matters worse, Confused.com revealed that 1 in 4 men admit they never shop around for anything better.

The research also revealed that many people spend longer considering the purchase of a holiday or a car than choosing life insurance, with 54% of men saying a new car is a more important. The top reason for not having life insurance is because people don’t feel they need it (28%), and more than 1 in 4 of the UK are put off by the cost. Over 1 in 5 of people haven’t purchased life insurance because they don’t understand what it’s for.

Despite recent research showing that the majority of people (55%) feel worse off than in 2007 it appears that they’re not taking adequate measures to cut their costs. Over 1 in 4 policy holders confess to buying the first policy they come across, with men more likely to buy the first policy than women. It appears that people are reluctant to help themselves, as 40% of people don’t take advantage of price comparison websites when looking for life insurance quotes.

With the March 2011 European Court of Justice ruling taking effect from 21 December 2012, insurers will no longer be able to charge different prices for men and women when it comes to insurance. It is unlikely that men who already have a fixed policy will see any reduction in price.

So, making the effort to find a new or better value policy will become more important than ever as these changes begin to take place, but the research reveals that this might not come naturally to men, 65% of whom have never changed their life insurance provider.

Across all aspects of their lifestyle men generally don’t like shopping around, with an overwhelming 78% of those surveyed admitting to buying clothes without trying them on first, compared to only 25% of women. At Christmas men constantly fail to get the best bargain, with 39% of women shopping for presents from January onwards, compared to nearly 1 in 5 (19%) of men who leave it until the week before, resulting in inevitable overspending.

Matthew Lloyd, head of Life Insurance at Confused.com said: “Life insurance doesn’t seem worth the effort to many men, however they could be saving money by shopping around. Life insurance is about allowing your family to maintain their lifestyle if you were no longer around, and shopping with a price comparison site means you can compare prices from major providers in one place allowing you to find a good deal. The difference between men and women’s premiums means it’s even more important for men to make sure they’re getting the best deal possible.”

Via EPR Network
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Confused.com/Towers Watson Car Insurance Price Index Reveals Women Feeling The Pinch

The latest Confused.com/Towers Watson Car Insurance Price Index has revealed that, after several years of soaring price increases, car insurance prices have fallen. However, car insurance prices are still 61% higher than they were at the end of 2006.

Car insurance prices for women have fallen 3% year-on-year but in some UK regions women are experiencing hikes as high as 9.7%, showing a murky picture across the UK.

For men, the price of comprehensive car insurance has dropped by 1.8% year on year bringing an average policy to £869 at the end of March 2012.This compares with women who were paying £751 in the same period.

However, the Confused.com/Towers Watson Car Insurance Price index also shows that some women have seen more significant rises than men in the 12 month period. These changes are taking place in Leeds and Sheffield, Inner London, Manchester & Merseyside as well as the West Midlands and mostly amongst the 21-30 age group.

In the Leeds/Sheffield area, the Confused.com/Towers Watson car insurance price index shows that the cost of a comprehensive policy for women aged 21-25 increased by 3.4% YoY in Q1 2012, totalling £1,437. This compares with a 2% rise for men of the same age and postcode who in Q1 2012 paid £2,199 for a comprehensive policy.

Women aged 21-25 living in Inner London also took a hit in premiums, experiencing car insurance price rises of 3.9% YoY in Q1 2012, whereas 21-25 year old males living in the same postcode saw a lesser 3.4 per cent hike.

In the Manchester/ Merseyside region, women aged 21-25 were grappling with price hikes of 4.7% as the price of a comprehensive policy rose to £1,820. By contrast, their male counterparts saw a 3.6% rise.

Interestingly, and also in the Manchester/ Merseyside area, those women aged 66-70 were hit with a huge 9.7% rise in their insurance premium, compared with a 5.7% rise for men.

Despite being hit with regional hikes, women are still paying less than men for car insurance because the cost of claims is less for women compared to that of men. The Confused.com/Towers Watson car insurance price index shows that for the first quarter of 2012, female drivers aged 17-20 were paying £1,766 LESS than men of the same age. The average cost of a fully comprehensive car insurance policy in the first quarter of 2012 for a female aged 17-20 is £1,869 compared with males of the same age who pay £3,635.

As well as some women in some regions feeling the effects of car insurance price rises, increases above the rate of inflation (3.4%)* were seen in Oldham, Uxbridge, Bradford and East London. With a price increase of 7.1%, Oldham replaces Bradford as the postcode with the fastest rising prices over the last 12 months.

Gareth Kloet, Head of Car Insurance at Confused.com said: “Overall we’ve seen insurance prices come down marginally but, some women are seeing significant increases in their premium. The European Union gender equality law bans the use of gender as a factor in calculating the cost of an insurance policy and comes into effect on 21 December 2012. As a result, we expect women everywhere to see hikes to their car insurance costs.”

Via EPR Network
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Confused.com Reveals Men Pay More For Life Insurance

Confused.com has revealed that men across the UK are paying far more for their life insurance than women. Currently, men are paying an average of 26% more per policy, per year. To make matters worse, Confused.com reveals that a shocking 1 in 4 men never shop around for anything better.

Matthew Lloyd, Head of Life insurance at Confused.com, said: “Men complain that women take too long shopping, but men need to learn from women if they want to get the best deals – on life insurance, but also day to day items too.”

According to evolutionary psychology, men and women’s shopping behaviours are adapted from the traditional roles of men being hunters and women being gatherers. Men, the hunters, locate their item as quickly as possible, whereas women, the gatherers, spend time analysing the different items in order to get the best deal.

Men fail to get the best bargains especially at Christmas, with 39% of women shopping for presents from January onwards, compared to nearly 1 in 5 (19%) of men who leave it until the week before, inevitably overspending.

When clothes shopping, half of UK men (50%) take less than an hour to buy an outfit, whereas the majority of women (89%) actually take up to 5 hours. An overwhelming 78% of hunter men admit to buying clothes without trying them on first, compared to only 25% of women.

As a quarter of men (24%) default to their favourite shop, 48% of women shop around, before making their final (and best) purchase online or in a sale. This is because the single-minded hunter men don’t like going from shop to shop – 42% buy their groceries in one store, compared to nearly half (49%) of gatherer women who go to several shops, seeking out the best deal.

When it comes to shopping in the sales, men’s aversion to shopping means that they are already lagging behind women’s eye for a bargain, with 23% of men preferring to shop in the sales compared to 31% of women.

Whereas nearly 1 in 3 men don’t shop around for life insurance, there is one thing that they do shop around for: a car. Over 54% of men think that a car is the most important purchase to bargain hunt for, whereas the majority (32%) of women believe that it’s a holiday that matters most. This is because hunter men prefer bigger ‘catches’. Hundreds of years ago this would have been an antelope for dinner, these days it’s a car.

Matthew Lloyd, Head of Life Insurance at Confused.com continued: “Men are happy to spend the time shopping around for lifestyle purchases they perceive as important, such as a car or television, but comparing life insurance quotes doesn’t seem worth the effort for many. However, they could be saving money by doing so.”

Via EPR Network
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