PYB Blog

Archive for the ‘Lifestyle’ Category

  1. Press Release: Summer pest blues

    As the days grow longer and warmer, it’s likely that a number of unwelcome visitors will turn up at homes and gardens around the country. We’re not talking about the in-laws here, rather domestic pests such as bedbugs, cockroaches and wasps. They may be small but Protectyourbubble.com warns that they can represent a health hazard as well as having the potential to cause damage that could cost hundreds of pounds to repair if left untreated.

    Infestations of bedbugs are increasing at an alarming rate not just in the bedroom but in sofas, chairs and even in the tops of curtains. A severe infestation can lead to someone being bitten up to 500 times in one night. While there is no evidence to suggest they transmit diseases, as one bug can ingest up to seven times its weight in blood in a single sitting continued feeding could result in the victim developing anaemia.

    While their bigger insect relative – the cockroach – isn’t quite so bloodthirsty, left untreated these robust critters can gather together in large numbers, contaminating food with their excrement and are known to carry dysentery, gastro-enteritis typhoid and food poisoning organisms. They give out an unpleasant odour and many people have been known to develop allergic skin reactions to them.

    Wasps and hornets, on the other hand, can cause more damage to the home as they collect wood to construct nests so can damage fences, garden furniture and more importantly roof joists if they get into the loft. It’s easy to spot a nest, looking for foraging wasps flying either to or away from it, but removing a nest can be very dangerous.

    Stephen Ebbett from Protectyourbubble.com says: “You can ignore the doorbell when people call, but real pests don’t tend to use the front door. It can be a shock to find a wasp nest in the loft or an infestation of cockroaches or houseflies. While you can buy off-the-shelf insecticides at your local DIY, some pests are best left to the professionals to deal with. Unfortunately, many people are reluctant to call in a pest control expert because of the cost – particularly in today’s belt tightening times. A home emergency policy is a cost effective way of getting access to emergency help. For just a few pounds a month, people are guaranteed a rapid response from professionals who are well used to dealing with getting rid of unwelcome visitors and making sure they don’t come back!”

    Home emergency cover does not cover normal day to day home maintenance, but provides emergency assistance for sudden, unexpected events which expose people to risks to their health or require immediate action to render the home safe, secure, and avoid damage or further damage. It will cover the costs of removing rats or mice or wasp or hornet nests from a home or garden, and the cost of devices left to prevent future infestations.

    Protectyourbubble.com is a new ethical insurer that provides policies designed to look after individual lifestyles. For every Home Emergency policy sold or renewed, Protectyourbubble.com donates £1 to the Missing People, the UK’s only charity that works with young runaways, missing and unidentified people, their families and others who care for them.

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    Did you know…

    • Bed bugs can’t fly themselves but often stowaway in clothing and luggage to find a new home
    • Bed bugs deliver an anaesthetic when feeding so you won’t feel them – and also an anti-coagulant to help the blood flow!When feeding, bed bugs have been observed climbing on top of another that is feeding from a human, piercing that bed bug and feeding directly from it
    • Cockroaches have been present on earth for around 400 million years and there are currently over 4000 different species – some of which can live up to nine days without their head!
    • Wasps live in colonies that form self-contained communities similar to ants, each following a caste order of queens, males and workers
    • Wasps feel equally at home in a garden shed, wall cavities, eaves and roof as they do in the ground or inside hollow trees and a single nest can hold around 2000 wasps
  2. Check-in To Brands With New UK Facebook Deals

    Social networking site Facebook today announced the launch of “Facebook Deals” in Europe.
    The scheme, which was revealed at a press conference in London, enables users to check in their location whilst accessing or purchasing brands, to earn rewards.

    The system will allow consumers on Facebook’s mobile applications to submit updates to their news feed anytime they check-in with brands; for example share that they have just flown into Manchester airport, or bought a dress from Topshop.

    The website unveiled the next stage of its “drive to more closely connect commercial companies with the 500 million Facebook users worldwide.”

    Starting in the UK and kicking off in five countries, “Facebook Deals” follows the latest service Facebook Places, which enabled users to mark their position and see who else, was nearby.

    Facebook users will be offered incentives in the form of rewards, offers and deals to check in with brands. There are four main types of Facebook Deal: charity donations, product or service giveaways, loyalty deals and social deals linked to personal recommendations to other Facebook users.

    The scheme, which was launched in the US last November, will also offer businesses a new way to integrate with these consumers, especially as many brands have more presence on Facebook than their own websites.

    Joanna Shields, Facebook’s vice president of Europe, the Middle East & Africa (EMEA), said: “We all love a bargain, so whether you’re on the lookout for a special offer at your favourite restaurant or tips from a fashionista friend about a discount on shoes in a department store, Facebook Deals will help you find it.”

  3. Thinking about life insurance?

    A life insurance policy (sometimes referred to as life assurance) is a contract between the insurance provider and the owner of the policy. It is a contract because the insurer undertakes to pay a designated sum of money to the beneficiary in the event of death or, sometimes, terminal illness. In return, the owner of that policy agrees to pay a certain amount on a regular basis (premiums) or in lump sum.

    Most people may find themselves asking ‘Why should I take out life insurance’. Well consider some of the consequences if the unfortunate should happen. Who is affected? How will your family be provided for once you are gone? What financial state will they be left in?

    A person intending to take up a policy should have a clear understanding of the different types of policies available before finally making their choice. Outlined below are some of the types of cover available:

    Term Insurance

    Generally the most basic and least expensive cover offered to an individual. Although the policy is only offered for a fixed term, typically 1 to 10yrs, it can be renewed once it has expired. It pays a death benefit only if the policy owner dies within that term. This type of policy has lower premiums in the early years but is not redeemable for cash. However, the policy holder should take note of the new premiums during renewal as these are likely to be higher than the previous premiums.

    Whole Life

    As the title suggests, this cover offers permanent protection and guarantees payment in the event of death. The policy will pay out an agreed sum when you die as long as you have paid the premiums. This type of cover is generally more expensive when compared against other types of cover.

    Mortgage Protection

    This life insurance policy is specifically designed to cover your mortgage payment and is one of the most common. In the event of your premature death your policy stipulates that your mortgage payments will be continued to help ensure your family’s financial security.

    Some banks and building societies will only offer finance if a mortgage protection policy is taken out, so that their own investment is protected.

    Critical Illness Cover

    A critical illness plan provides protection if you fall ill to a defined list of critical illnesses. The seven core illnesses covered by most policies are cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke.

    It is important to be completely transparent when opting for this type of cover as any underlying conditions that are not disclosed may result in your insurance policy becoming void.

    Universal Life Insurance

    This is a more flexible policy that allows the policy holder to vary their premium payments. Variable life insurance is a policy where portion of the premiums are invested in a number of investment vehicles such as mutual funds and any other specifically allowed on the policy document.
    One last point to consider is setting up a flexible trust. This is very easy and straightforward to do and ensures that your dependents receive the payout from your policy without any red tape to navigate.

  4. Personal possessions lost or stolen

    At some time or another many of us have probably been stuck in the middle of nowhere wishing we had a guardian angel or at least some way of getting home or getting in touch with somebody who can help.

    Any of us could end up far away from home and vulnerable, you can now call on something known as ‘personal emergency cover’, which effectively gives you access to a free phone number to call in the event you are in a desperate situation.

    Available for anybody over 18, it acts almost like a constant friend who can sort out some of the urgent problems which could occur should your personal belongings be lost or stolen. It can get you home through arranging emergency transport or cancel your credit cards where necessary. All you have to do is ring the emergency free phone number and speak to an agent who would sort this out for you.

    Handbag theft on the increase

    Many people keep some of the most important personal possessions in a handbag or bag, and if this is stolen they can be left without any cash, mobile phone, credit cards, and all the other things that they might sometimes rely on in everyday life. Some figures also suggest that theft is no longer a crime mainly committed by men, but also by women, as recent figures from the Ministry of Justice show that the number of crimes committed by females in England and Wales has gone up by 22 per cent over four years.

    Potentially more worrying is the age of some of the offenders, as 58,000 crimes were committed by girls in the 10 – 17 age groups in 2007 to 2008, an increase of 10,000 on 2003 to 2004. It means it is no longer easy to guess who might have their eye on your belongings.

    So what does this cover do? For starters it will get you home by arranging emergency transport, so you are not left stranded and vulnerable. It can buy you time by calling your phone provider and cancelling your mobile phone handset and credit or bank cards. You may also have lost your keys in a theft and in which case the cover will arrange a reputable locksmith, and can even send a message to family and friends through details you have registered.

    A policy can also attempt to reimburse you for some of the cash you have spent getting out of such a situation yourself by issuing a claim form and allowing you to apply for some of the money you have spent on getting home, sorting out accommodation and all incurred expenses.

    Of course, you can also expect basic insurance for your possessions, meaning the likes of your mobile phone, a laptop, handbag, and other gadgets are protected while you’re out of the house. So what does this type of cover normally class as an emergency? The wording normally means an event which is sudden, unexpected, which poses a risk to your personal safety and/or leaves you without your personal possessions following loss or theft and needs to be acting on immediately.

    Although a personal cover plan like this cannot take away the risk of you suffering a personal crisis, it can be relied upon to be a reassuring hand on your shoulder by starting the process of assisting you deal with the situation you find yourself in, this will also ensure you get back to the comfort of you own home safely.

  5. It’s a bugs life

    The so-called barbeque summer hasn’t just led to an increase in the sales of umbrellas and gazebos. The mild winter followed by this warm, wet summer has allowed our homes and gardens to become ideal breeding grounds for bugs, warns Protectyourbubble.com.

    “Reports around the country indicate that we’re experiencing plague-like infestations of creeping and flying pests,” says Stephen Ebbett at Protectyourbubble.com. “Blackflies and greenflies in their millions are ruining the roses around the country – and their abundance has given ladybirds a feeding frenzy, resulting in hoards of them swamping parts of Norfolk, the West Country and Northern Ireland. A plague of heather beetles has stripped bare tens of thousands of acres of grouse moor across Scotland and northern England.”

    And while there are no firm statistics, there is anecdotal evidence that wasps are having a bumper year. The good weather in April and May when the queens laid their eggs followed by the abundant food supply has meant that we’re seeing far more this year than last. Protectyourbubble.com offers a word of caution, however.

    “Wasps’ nests become particularly dangerous as we approach September and they start to die off in large numbers,” explains Ebbett. “Wasps don’t make their own nest – rather they choose one that already exists so it’s really important to get rid of any you find in your house or garden. But this can be dangerous as wasps are known to swarm and repeatedly sting their ‘attacker’ in self-defence so we strongly recommend that people call in a specialist to do the job.”

    In today’s belt tightening times, many people are reluctant to call in a pest control expert because of the cost. A home emergency policy is a cost effective way of getting access to emergency help. For just a few pounds a month, people are guaranteed a rapid response from professionals who are well used to dealing with getting rid of unwelcome pests.

    Home emergency cover provides emergency assistance for sudden, unexpected events which expose people to risks to their health or require immediate action to render the home safe, secure, and avoid damage or further damage. It will cover the costs of removing rats or mice or wasp or hornet nests from a home or garden, and the cost of devices left to prevent future infestations.

    For every Home Emergency policy sold or renewed, Protectyourbubble.com donates £1 to the Missing People, the UK’s only charity that works with young runaways, missing and unidentified people, their families and others who care for them.

     

     

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Protect your bubble is a trading name of Assurant Direct Limited, a company registered in England and Wales (registration company number 5399683). Assurant Direct Limited is an Appointed Representative of Assurant Intermediary Limited, a company registered in England and Wales (registration company number 4019801). Assurant Intermediary Limited is authorised and regulated by the Financial Services Authority (registered number 311243). You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/Pages/register or by contacting the FSA on 0845 606 1234.

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