(Wine tasting party) How Marriage Affects Your Insurance

November 12th, 2009 admin Posted in travel |

By Stuart Broad

Getting married is undoubtedly one of the busiest and most stressful times of your life. You have all sorts of arrangements to make and you have a deadline so you have to make them quickly. You probably can’t think of anything other than getting married to the person of your dreams and feel you can only afford to focus on your big day. Although this is understandable, and indeed expected, you also need to consider your insurance. Tying the knot will drastically change your insurance needs and options and you should try and sit down with your soon-to-be spouse and evaluate these carefully. Re-evaluating your homeowners, life and health insurance well before the wedding is definitely a good idea so when you come back from the honeymoon, your insurance needs are covered and you can go about being married.

Short-term insurance

When you get married, both your household contents will be covered under a single policy, but this is probably not the case before you say I do. If you are both insured by the same insurance company which is unlikely, you could simply move all your property on to one person’s policy. If not, it is wise to shop around for the best possible rate while retaining adequate cover. Getting married will change your risk profile and your monthly rate is likely to be much less, especially your vehicle insurance.

Health insurance

Similar to short-term insurance, married couples tend to pay less for health insurance than their unmarried counterparts. Most health insurance companies do not offer domestic partner cover and if they do, it is considered taxable income if you submit a claim. To that end, it is advisable for unmarried couples to have separate health insurance policies, but all that changes when you get married. Compare your policy to your partners’ and see which offers the best possible benefits for the lowest premium. It is also not a bad idea to shop around for a possible alternate insurer than either of you currently use.

Life insurance

Many consider life insurance the most important policy to consider, especially if you are starting a family. They will need to be protected in the event of either of your deaths and as such, this should be discussed well before the wedding. If you already have a policy in place, you would want to consider increasing the cover so that your loved ones are not left without a source of income after your death. If you have not already done so, you will need to change the beneficiary on your policy as well.

Ensuring that all your insurance needs are taken care of before you start your life together will not only provide you and your soon-to-be spouse with much needed peace of mind, it could also save you a few pennies on your monthly installments which is often very welcome.

About Author:

Stuart Broad is a marketer who works for a number of South African insurance sites. If you are looking for a budget insurance, he recommends trying to get insurance quotes at InsuranceHound.

Play Golf in Peace at the Fota Island Golf Club

By Mauro Suarez

Playing the best golf game requires skills and practice. However, there is one thing that you should also consider in order to play a magnificent golf game. This is to play in a very relaxing environment where you can concentrate on your golf swing with professional-like skills and accuracy.

Besides, if you play in a golf course beside a busy freeway with noisy vehicles passing by, you will lose concentration and will result in ruining your golf swing. It is true that there are golf clubs located all over the world. However, few of these golf clubs have high quality standards to bring the best out in your game.

One such place that you can definitely concentrate on playing golf and at the same time relax is the Fota Island Golf Club. Located in Cork Harbour, which is only a few minutes drive from Cork City, Fota Island is a world renowned golf club that offers the one of the best golf courses in Europe. A golf vacation here would truly be worthwhile.

Firstly, Fota Island Golf Club is a very traditional golf course. It is a sister property of Mount Juliet and both is known to maintain the highest standards in golfing to ensure golfing enjoyment the whole year.

Fota Island Golf Club lies in the heart of a 780 acre estate integrated with good quality woodlands and landscape that will surely make every golfer want to play every single day. This golf course is comprised of a challenging par 71 championship course in the traditional mode. It has pot bunkers and undulating putting surfaces to meet the challenge of every golfer around the world.

Golf was first played in Fota Island in 1886. And, during those times, it was continually developed and became one of the premier locations in golfing. In 1993, Fota Island Golf Club was further developed by Christy O’Connor Jr. (Irish Ryder Cup), and Peter McEvoy (two-time English Amateur Champion).

Fota Island is considered as essentially a resort course and hosts a number of tournaments which includes the Irish Club Professional Championship. Fota Island was then purchased by the Killeen Group (owners of Mt. Juliet Resort in Kilkenny). Since then, developments have started to take place and the course has been upgraded to European Tour standards.

In November 2004, Fota Island Golf Club was purchased by the Fleming Group. The Fleming Group also improved the course by renovating some of the holes and also maintained the greens and reseeded the trees surrounding the golf course. Today, the Fleming Group has already invested in the construction of hotel and residential developments in Fota Island to complement the golf course.

With a magnificent course plan, Fota Island Golf Club definitely lives up to its name as one of the best golf destinations in the world.

The Fota Island Clubhouse has all the amenities that you can ever ask for. Inside, you will find that the clubhouse is more like a first-class hotel instead of a conventional golf clubhouse. On the first floor, you will see an informal bar and the reception area. Upstairs you will see a fully seated restaurant that serves only the highest quality meals with the highest and freshest quality Irish produce.

Other amenities you will find in Fota Island Golf Club will include locker rooms, and a fully stocked pro shop with products in the highest professional standards.

Fota Island Golf Club is definitely the place to be if you are looking for the best quality golfing experience. So, if you plan on going on a golfing vacation, you should consider going to Fota Island Golf Club.

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