Insurance

CLEVER COVERAGE

Online insurance doesn't come cheap

John Collett When it comes to life insurance, buying directly from the insurer is usually the most expensive route.

INSIGHT

Shop around for a good insurance deal

Clancy Yeates This year's devastating start to the bushfire season has underlined the value of insuring the biggest asset many people own: their home.

Credit insurance risks uncovered

The skyline

Lesley Parker Consumer credit insurance - marketed alongside credit cards and personal loans as a way to protect your ability to meet repayments - remains on the Australian Securities and Investments Commission's...

Insight

Duopoly drives rising insurance costs

A depth gauge in the Warrego River near Enngonia. Water users in NSW are concerned about water allocations in Queensland. Photo by Andrew Meares smh news 8 February 2007 SPECIALX 222

Clancy Yeates 'Bill shock'' normally refers to the unpleasant experience of receiving an enormous phone or electricity bill. But it could just as easily apply to insurance.

SUPER

Large funds have life insurance covered

wet floor.syd.afr.020415........a caution sign warning of a wet floor...... generic safety. liability insurance. personal injury...... afr first use......
***afrphotos.com***

Photo by Rob Homer

John Collett Most of us don't have enough life insurance, so it's good that large superannuation funds provide ''default'' death and total and permanent disablement insurance to their members, who otherwise may...

PLANNING

We all have a little life insurance, but most of us need more

retirement

Penny Pryer Insurance companies have been raving about Australia's "chronic" underinsurance problem for decades.

Insurance commissions encourage churning

The chairwoman of Choice, Jenni Mack, says when you buy life insurance, a commission of about 130 per cent of your first year's premium, then 10 per cent to 30 per cent each year after that, is paid...

Pet insurance for a priceless companion

Trudy Collinson's dog, Bonnie

Trudy Collinson thought her dogs would be a good way to get her out of the house and to nearby Melbourne parks for exercise and to meet people while her children were at school.

Travel insurance cap may not fit

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Lesley Parker The more you take on holiday, the more you stand to lose if you're not adequately covered.

TIP OF THE WEEK

Don't leave your estate in a state

Don't be caught without a will.

Michael Hutton Getting your life in order before it's too late has its benefits.

BOURIS ON MONEY

China deal sets course for growth

China's new middle class will look to Australia to provide many of its products and the ChAFTA  removal of tarrifs will boost our economy as demand surges.

Mark Bouris Free trade agreement should see Australia benefit from China's economic transformation for years to come.

TIP OF THE WEEK

Splitting up? Act now to avoid surprises later on

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Alex Berlee Divorce is an emotional time but also one when important financial decisions have to be made.

INSURANCE

Check cover before e-leasing

Aftermath: If your home was trashed by a house-swap guest, your insurer may refuse to pay out.

John Collett Property swaps and short-term letting can be a minefield for home owners if things go wrong.

BOURIS ON MONEY

Sometimes the personal touch is best

Mark Bouris dinkus.

Mark Bouris For most people there's still a divide between the ease of technology and the need for advice.

YOUR QUESTIONS

Sharing with sister is too taxing

Sister act: Can I just transfer my half of the house to my sister? I'd rather give her $450 a year than the state revenue office!

George Cochrane We own equal shares in a house. What happens if I give her my half?

PLEASE YOURSELF

Clearing financial hurdles of the single life

Party of one: Gretchen Alt-Cooper is a self employed accountant/company director and has been a single parent for many years.

Barbara Drury Singletons are on the rise. But there's a financial downside to independence. Follow these tips to avoid the poverty trap later in life.

YOUR QUESTIONS

Careful planning needed to have a good lifestyle in retirement

George Cochrane The goal is a retirement unit, but the money keeps going elsewhere. What's the best plan?

NUMBERS YOU NEED

Numbers you need

John Collett Essential numbers from the world of finance.

SHORT CHANGE

Short change: Financial news in brief

Australians spent $158 million in medical gap fees in the firs three months of this year.

John Collett Short change

SHORT CHANGE

A leg of briefs

David Potts Term deposits shunned, credit cards rated safest and the rising cost of a dog.