Competent travel consultants know what you want, they speak your language, and they’re there for you when you run into trouble when you are planning a holiday. How do they know this? Firstly, they listen in a way to understand your travel needs and they help when something goes wrong. They should ask many questions to find the best option for you.As self-booking options increase, the need for travel agents seems to be getting less. Some say that travel agents are obsolete. Yet there are more unhappy travellers than ever. Why is this so? It is not always possible to get as much information from an online booking site as from a travel consultant. Nor is it generally possible to get “human” assistance should something go wrong from a “portal”.Buyers of travel products have expectations that cannot be met by all booking sites. It is difficult to have an informed 2-way conversation with a website, although there are more chat options coming available.A competent travel consultant will fill in the gaps. Sometimes the traveler may not know what questions to ask. The competent travel consultant can simply explain.So how does one find a competent travel consultant? Look for certain traits!Competent travel consultants are:Good listeners and seek to truly understand the needs of every individual traveller. They will ask about interests and tastes to better tailor your holiday.Experts and have good product knowledge as well as a robust back-up plan for finding informationHonest and to not have favourites in the travel businessGood communicators and explain all the tour inclusions, exclusions and costs up front – no hidden feesAvailable when you need them both during the planning process and the travelHow do I find these things out?The best way to discover the competency of a travel agent is to talk with him/her. This can be arranged either face-to-face, online chat, telephone etc. During the discussion you will form an opinion about him or her. Most of all, look for someone who you can relate to and work with, particularly if things go wrong. The travel consultant has no control over the flights, accommodation or tours but a competent travel agent will actively help in all situations.Competent travel consultants are here to stay. Only the incompetent travel agents are obsolete because of the online booking systems. It is up to you to discover a travel consultant who listens to your needs and meets them as well as keen enough to help you if needed.
It is mandatory for all new car owners to get auto insurance. The Road Traffic Act stipulates that all motorists should be insured against liability and it declares driving a car without a minimum level of insurance is illegal. The violation can attract severe civil and criminal penalties. This can be easily avoided by securing a proper auto insurance cover for your vehicle as per your state’s demands. It is quite a simple process.Nowadays, there is so much dependence on vehicles that the best thing to do is to follow all stipulated guidelines religiously. Getting the right auto insurance cover is one of them.What Is Auto Insurance All About?Auto Insurance simply means a contract or an agreement between an auto owner and an insurance company. Under this contract, premium is paid to the insurer and in return he pays for any car related losses as detailed in the policy.Key Legal RequirementsIn order to get an insurance cover for your vehicle, you would need to fulfill the following requirements. It’s advisable to find out the requirements in your respective state since these may vary. However, these are the broad requirements for auto insurance.Firstly, you should be in possession of a valid driver’s license before you go in for registration or insuring your car. For your license you would need to approach your local DMV (Department of Motor Vehicles). This is the primary requirement.You will also need to have an auto title. It is a legal certificate of ownership that confirms that you own the car. Most of the paperwork is already done when you purchase a gar from a dealer. Licensed dealers are needed to transfer the title of the car in your name. The title will list the owner’s name, address, make of the car, model and year of the car and the date of sale. This should be retained by you.Next, you need to get your car registered. You can apply for registration at the local DMV. The requirements may vary from state to state. In order to register your vehicle, you will require a valid driving license, signed certificate of title for the car, address of residence and proof of your insurance.The law also stipulates that that a vehicle more than three years old should have a valid MOT certificate. It is not possible to tax a vehicle without MOT and certificate of insurance and driving without them is an offence.It is also vital to keep the insurance company informed in case of any vehicle modifications and fixed penalties. Failing to do so is an offense and may affect any claim that you make.You are also legally obliged to take the basic level of auto insurance that will cover you against third party claims. Since the legal requirements for auto insurance vary from state to state, you will need to clarify the level of cover that you require while taking auto insurance. Only insuring the legal minimum isn’t necessarily the best choice to make.As a proof of your auto insurance, the company issues you the following documents – A Certificate of insurance which will also be required for buying your road tax; A cover note that will act as a temporary policy and certificate until your new insurance policy has been set up; and Policy documents which gives a detail of all that you are covered for. Read the documents carefully to understand your rights and obligations under the policy.Insurance companies have set up claim help lines and accident emergency recovery hotlines for ensuring a smoother process. In case of any ambiguity in terms of insurance or legal requirements, get your doubts cleared by talking to the company.
It’s always an exciting experiencing purchasing a new car. Now you have to find the best way to protect it. This means getting auto insurance with the best coverage for the lowest price. Without auto insurance, you are basically a ticking bomb waiting to explode. So many bad things can happen with just one accident. Having insurance will provide you with a piece of mind and most importantly protection.Getting a cheap auto insurance quote isn’t hard. Here are some factors to determine if you can get a cheap auto insurance quote.First, auto insurance companies are going to run your driving record. If you have multiple violations such as speeding tickets and accidents, your rates will be more expensive. A lot of people say “well it’s just speeding tickets, I never been in a accident before.” Studies have shown that people who speed are much more likely to get in an accident then someone who obeys the speed limit. Insurance companies will take note of that and increase your rates because you are more prone to getting in an accident. To get a low rate you’ll need to have little to no violations on your record.Second factor will be your age. If you are a teenager and just received your license, your insurance rates are going to be higher then a more experienced drive, whose been driving longer. Studies have shown that younger people with little driving experience are also more prone to getting in an accident. Generally, women will also pay less then men.Third, the insurance company will check your credit history when you are getting your rate. (Don’t worry if you are getting a quote online, they will not ask for that) Although your credit doesn’t affect your driving in anyway, auto insurance companies want to make sure that you are able to pay your monthly statements. If you have poor credit, your rates might be a bit higher or you might even get declined with some companies. (Don’t worry if you get declined, there are plenty of companies to choose from, and there will always be one that will insure you)And for those who don’t have such great driving records, or credit history, a great way you can save money is by taking a defensive driving class. Most insurance companies will give a discount once you’ve completed the course. It shows insurance companies that you want to be a safe driver to prevent accidents. Another thing you can do is, make sure you purchase a car with good safety ratings, and a good anti-theft tracking system. Having a car with high safety ratings means that if you get in an accident, you are less likely to be injured. When you get injured, insurance companies have to pay out of lot of money and they definitely don’t like doing that. Having an advanced anti-theft tracking system will help as well. It will prevent thieves from trying to steal your car and if it does get stolen, it can be tracked.Lastly, if you are insuring multiple cars, you can always ask your insurance company for a multi car discount. It’s not abnormal that you can insure two cars for the price of one car. Make sure you ask the auto insurance company if they offer this type of discount because not all of them do. Some insurance companies do Home Insurance as well and having your cars and home under one policy will definitely help you save on your rates.So, in conclusion, these are the ways to get a cheap auto insurance quote. Please use the links on the top or side to get a free insurance quote. It’ll take less then 3 minutes and you will have quotes from all the leading auto insurance companies.