August 26th, 2009 / Author:
Upon return, donors will agree to a new guarantee rental risks that render them more secure against delinquency risks and damage of their property.
Want to rent an apartment, but you are afraid of losses? En septembre 2009, un nouveau dispositif devrait prendre le relais de l’actuelle garantie des risques locatifs (GRL) en vigueur depuis deux ans.
What changes?
Until now, the GRL covered you only against the risk of unpaid certain categories of tenants. Since the establishment of the new device and subject to the order of application, all tenants will be eligible if:
- Resources represent less than 50% of the payment of rent (including utilities),
- The amount of rent does not exceed 2000 € per month.
This LRG, called “universal” may be purchased by the lessor at the Generali insurance.
What risks covers LRG universal?
- New LRG cover rent, expenses not paid and litigation costs in a ceiling normally set at 70 000 € per unit.
- Detrimental will also be supported to the tune of € 7 700 per claim.
Decree waited for Back definitively clarify how the new device.
If unpaid What to do?
As with all insurance (home insurance, car insurance, …) if the procedures of your insurance contract fail (in particular, sending reminder letters by registered mail to the tenant), you can simply report your claim with your contact Generali usual for compensation.
About Generali
Generali Group, founded in 1831 in Trieste, is now the 3rd player in the insurance and the first European life insurer.
In France, Generali is the second general insurer and is based on 8000 employees and 1100 general agents and many brokers, advisers and independent partners. Growing rapidly since 5 years, its turnover reached 15.5 billion euros in 2007.
August 26th, 2009 / Author:
Scotiabank is launching a new insurance policy that protects mortgage customers when dinvalidité soudaineLa Scotiabank announced the launch of a new insurance product offering protection in case of disability to its mortgage customers in the across Canada. The Bank is now the first major Canadian financial institution offering mortgages with three levels of personal protection, including for protection in case of serious illness and death.
“Scotiabank is pleased to present a new insurance policy that protects its mortgage customers in case of sudden disability,” said Robin Hibberd, Vice President Executive Officer, Lending and Insurance.
Protection in case of disability of Scotiabank – underwritten by Sun Life – helps customers affected mortgage disability resulting from injury or illness, mental or neurological disorders.
It provides a monthly benefit when a disability claim is approved. The allowance is a fixed amount based on the monthly payment of the mortgage, including principal, interest and taxes up to $ 3 500 per month. It covers a period of
24 months per claim or a total of 48 months in the life of the insured.
“A sudden disability can quickly burdensome alarming for our clients and their families,” said Hibberd. “Protection for disability promises to protect families, their finances and their future.
With mortgage insurance in case of disability Scotiabank, our customers can maintain their credit ratings and protect their property. ”
Customers become eligible for mortgage protection in case of disability when they apply for a mortgage. The premium is based on the client’s age and amount of mortgage payments.
Protection in case of death ensures repayment of the entire mortgage balance if the insured dies. Protection in cases of serious illness allows the reimbursement of the entire mortgage balance if certain diseases occur.
Scotiabank is one of the major financial institutions in North America and most international bank. With their staff of over 60 000 employees, Scotiabank Group and its affiliates serve approximately 12.5 million customers in some fifty countries. Besides investment banking, Scotiabank offers a full range of products and services to individuals, small and medium businesses and large corporations. The assets of the Bank of Nova Scotia amounted to 449 billion dollars.
August 26th, 2009 / Author:
This term hides insurance that covers both the place of residence, personal property and responsibility of each member of the household for damages caused to third parties. In all cases, these are the terms of the contract details that determine which goods are covered and under what conditions.
Civil liability – already covered in motor liability – protects the beneficiary of the insurance and the family members living with him against any harm to others.
The principle is that the victim be compensated so that it reflected the situation that it did before the injury. The amounts are calculated based on the damage caused.
Above all, the comprehensive residential insurance covers damage to property of the insured.
These can be buildings, personal property and furniture, arrangements or embellishments and use property professionals. Arrangements and embellishments are used, in accordance with the definitions made by different contracts, in the category of buildings, a pergola for example, or in those of personal property, in the case of Christmas decorations.
Note that under the term “buildings”, insurers include both the residence, ie the “premises used for residential, parking garages (even located at a different address if in the same town or a neighboring municipality), cellars and outbuildings, attics, cellars, garden sheds, sheds … etc..
Regarding the “household effects”, the guarantees extend of household of the insured property at all “members of his family, his servants or workmen or any other person residing or temporarily on site insured “says the French Federation of Insurance Companies.
Furniture staff includes furniture, objects and pets.
Finally, “property for business use” includes everything that serves to the insured for the exercise of his profession, be it furniture, instruments, tools or machinery.
Attention, however, limitations and contractual obligations may arise, particularly for household effects (valuables, furniture in dependencies …) and goods for professional practice, to define the maximum amounts of compensation.
August 26th, 2009 / Author:
Macif makes more Lassurance accécible all the time when economic difficulties require you to arbitrate constantly Macif provides all the essential passport insurance in 2009.
Members, non members, you will find: the mutual benefits that are already part of our contracts auto, home, health and any specific offerings in 2009.
Specifically Passport Essential Insurance Macif 2009 brings you what advantages? Insurance News restore you concrete examples of extras that Passport Essential Insurance Macif 2009 brings you daily through practical cases.
“I want to sign a new contract Macif. How do I use my passport essential assurances from the website? ”
You can download the tender Macif easily by printing the online pages of the passport essential assurances that interest you. Do not hesitate also to make your estimates on Macif.fr where possible and to subscribe, go to your reception point nearest you. You can also benefit offers passport essential insurance during your subscription by phone.
“I have a contract Macif five years. What would I choose your contract Auto? ”
Consolidate its contracts Macif is to have a single contact for all benefits. With the key, simplicity and efficiency. The contract “self” consists of solid guarantees and many options. They allow to best adapt your policy to your situation.
Moreover, with the Unemployment Benefit Solidarity, Macif wishes to help its members faithful. In case of job loss, and if you are associative for at least 3 years, Macif can handle, under certain conditions, a part of your contributions.
“I want to buy back a scooter to get to my work and use my car that weekend”
Market leading two-wheeler like the automotive industry (number of contracts), Macif takes into account technological developments and societal nearly fifty years and therefore proposes to its members innovative offerings. For your car, there are five options for protection and several options to customize your policy to your situation. For your bike, you have several options for protection and an optional accessories and equipment biker.
Until December 31, 2009, Macif offers a month levy on all new contracts motorcycle (125 cm3 or more) supported by more than one contract Auto Macif (offer subject to conditions)
“Sociétaires Lille, no-fault accident for 20 years, we can consider ourselves as conductors copies. Macif be taking into account our situation? ”
Responsible behavior is important for oneself and others. Therefore Macif octroit an extra special discount to all good drivers, beyond the bonus 50% (device subject to conditions).
Macif is on all fronts of sustainable mobility. It charges a reduced warranty Liability insurance contract of members with a car considered cleaner and / or safer (device subject to conditions). Indeed, to limit the risk of damage to the highway, it is wiser to have a car with technological equipment can prevent accidents and protect occupants.
“I already have my vehicle insured Macif five years. What would I choose as your contract Housing? ”
Consolidate its contracts Macif is to have a single contact for all benefits. With the key, simplicity and efficiency. The contract “Habitation”, consisting of solid guarantees and many options can best adapt your coverage to your needs (tenant or landlord). While covering your needs at the best price, and with your Housing Contract, Macif offers service of legal information and practical life to inform you and guide you.
Moreover, with the Unemployment Benefit Solidarity, Macif wishes to help its members faithful. In case of job loss, and if you are associative for at least three years, Macif can handle, under certain conditions, a part of your contributions.
Until December 31, 2009, a month of insurance will be offered to each member already holds a contract Auto
“Our son of 22 years wants more autonomy, thus we plan to do work in our house
To renovate your home, you can opt for credit work Macif. And to help you save energy by performing the necessary work, we offer loans outstanding.
A network of artisans referenced Macif is also available.
“Freshman, am I obliged to take out supplementary health? ”
NO. If it is not mandatory, the purchase of supplementary health insurance is still recommended, whether you are a student or young professional. Because health is too important to take risks, offer full health Macif favors better balance guaranteed money, selecting guarantees that you need everyday, no-frills, to offer you the best possible prices fair: a complementary health for your lifestyle and your budget!
Until December 31, 2009, you get an immediate care when opening the contract for any new enrollment for a healthy MACIF: so you will not timeout and that, upon taking effect of the contract. In addition, the first month of Assessment is offered!
Offer subject to conditions. Guarantees are given within the limits and conditions of contract.
August 26th, 2009 / Author:
Every school year, parents receive several proposals to ensure their children. But a specific insurance is not always necessary. Some tips to choose your contract or … without it!
At school, on the way at home during the holidays … Many accidents involving children may be victims or responsible. What you typically involve schools, is the insurance certificate proving that you are insured “civil liability” is to tell if your child causes injury to others. Normally, comprehensive home insurance, and generally without particular extension, cover the liability of the whole family, including children.
If you also want compensation for damage to your child, it should then agree an extension specific “school” in your contract home or enter into another contract, “Guarantee accident of life” which he covers whole family for the damage caused to its members when the accident has no known perpetrator. Insurance specific school is only useful if the contract is inadequate housing or lack of collateral accident of life.
The contract housing can provide this assurance
It is not always necessary to insure a specific school. Contracts often provide housing – or offer an extended warranty – hazards in schools. If your housing contract is provided, unnecessary insurance specific school. Normally your insurer sends you in the summer of the certificate of guarantee to provide the school your child. The guarantees included in contracts as comprehensive home always include liability coverage for accidents caused by the child (he broke a pane of his class, the glasses have a buddy, but hurts ….), also, with or without extension (to check), guarantees in case of damage to your child as:
- Payment of capital for the damage to your child with permanent disability, total or partial (depending on the contracts the compensation may be capped), whether or not responsible for the accident. Attention to the amount of security: the capital is paid in full if the disability is 100%. In case of partial disability, only a portion of that capital will be paid, which corresponds to the degree of disability determined by physicians.
- Payment of capital in the event of death, designed to meet the funeral expenses.
- The reimbursement of care and complement the social systems (medical, pharmaceutical, surgical and hospitalization).
Warranty accident of life (GAV) alone is never enough
Guarantee leisure accidents (GAV) intervenes to damage your children and allows payment of compensation in case of permanent disability in the amount of actual damages suffered as a full compensation for death. In case of total disability or death, financial compensation may reach one million euros. His main interest? It covers damage to your child, there is a charge or not. Thus, if he hurts himself, he will be covered.
However, the guarantee of the accidents of life (GAV) does not support damage your child to other persons or institutions (guarantee liability). To meet the requirement of schools that routinely ask that children are guaranteed in civil liability, it will check that you do not already have in your house or contract insurance specific school.
Lacking other safeguards, the school insurance is required
If parents did not support either of the insurance described above, or at least a comprehensive insurance house with an extension that covers their children, school insurance is essential. Its price varies from 10 to 30 euros on average per child. There are two formulas:
- “School”: the child is assured only if the accident occurs during activities organized by the institution or on the way to school;
- “School-school”: the child runs all year and in all circumstances: at school, at home, on holiday … except when performing any gainful employment. Should check if sports that practice are well covered.
August 21st, 2009 / Author:
A walk in the fields along the ring road with the West sultriness that stifles and mosquitoes. Six, seven hundred meters up and down in search of that hole that 12 years ago was the cage of a seized. Alessandra Sgarella in this tomb of earth and mud remained there for two months. It was the winter of 1997. A terrible winter. A look at, to feel the smell of this campaign that does not even seem to Milan, there is a gentleman of 70 years, gray hair, a pair of pants color sand. Observes and tries to understand, to imagine what you would say to live in that hole.
Frederick Forsyth is one of the most famous authors of spy story to the world. Best seller, written with the manic pursuit of detail. Here, in August of Milan in the 40 earned degrees, he had sent from Quantico FBI investigators, “He wants to know the ‘Ndrangheta? Be-ne, go to Milan. And Buccinasco. The next novel, another best seller assured, they say that talking about cocaine. Of a global traffic of white powder from the narcos party of the Medellin cartel and directed in Europe. For calabresi of Milan. He, author of Day of the jackal, the Dossier Odessa, L’Afghanistan, in Milan among its sites in the odor of ‘Ndrangheta, the local villas and seized the boss, we spent almost a week. Studying. It was by the carabinieri Ros, spoke with the police in narcotics, with the judges. He observed. Did questions calmly. Avu has to answer. A Buccinasco we finished Monday afternoon Thu. He met the former mayor Maurice Carbonera. One that the sponsors, in spite of himself, known to them by: bullets shipped home, car burned three crosses in a park left to vote on a plan. “Carbonera Mister, tell me where is the ‘Ndrangheta? ‘.
And so forth, searching the pit of Sgarella, the garage via Aldo Moro, 8 where it was held in 1988 Cesare Casella, and again under the overpass where the ring road, four years ago two bazooka emerge, which would be used to jump in air the car of anti-mafia prosecutor Alberto Nobili. But the tour by car with a translator and men of the Mondadori publishing house, to observe the houses confiscated the old boss, for the Sergi, the feared Antonio Papalia. And the new houses, those of the godfathers of grandchildren grown up with the same bravado and infinite respect for the laws of the clan. Antonio Papalia, 55 years in prison for nearly two decades, is said to still hold the ranks of business calabresi in Milan. The city where, for the deputy prosecutor of the National Antimafia Enzo Macrì, legs are stronger than in Calabria. Because that is where the drug passes. The British writer, before ending up at FBI headquarters, has collected information in Colombia. “The biggest producers are here, but the traffickers are elsewhere. In Europe. ”
The massacre in Duisburg 2 years ago has opened the veil, brought to the fore the Calabrian with their archaic laws and merciless. “They say that the Mafia is more dangerous, a mafia of businessmen, pastors, murderers, drug dealers and lawyers. Really is the emergence of the third millennium? “, Asked the writer to investigators. “We have explained the structure familistica of the thighs, their work in the track. Their being invisible and invincible, “says a carabiniere Grouping of special operations. And so on, in the street, to see closely the Ortomercato, its buildings destroyed and the tower with stained glass mirror. Here was the lair of Salvatore Morabito, the grandson of the founder of the clan of Africo, ‘u tiradrittu. There was also a night who knows how to open between the vegetable stalls. Then the beautiful building in Viale Brianza, 33, where until a few months ago was hiding Antonio, the son of the boss Giuseppe Piromallo. And the yards of the new and old Pirellone Fair is emerging where the Milan of the future. Where the trucks full of earth, a business that pointing the thighs, are up and down, towards dell’hinterland deposits. Where the names, tax lots, refer to Locride in San Luca, a plate. Buccinasco behold, that which have identified to the FBI once again Platì the north, because we ended up the boss to confinement in the’60s. Here, at the table chatted a bar, a haunt of the young offspring of families Barbaro and Papalia, Forsyth said the gestures, the faces, the white coat strict and open up to the third button. Incomprehensible accents heard, patiently recorded the acts of these young boss. Boys from the novel, the godfathers of new drugs.
August 21st, 2009 / Author:
ondon time, rose, dressed in a white suit and with the aid of a stick, the plane of Afriqiyah Airways has reported from Glasgow in Libya. Abdelbaset Al-Megrahi, the Libyan agent sentenced to life for the Lockerbie massacre (270 dead by the explosion of a Pan Am plane on 21 December 1988) was released for humanitarian reasons by the Minister of Justice in Scotland. According to doctors Al-Megrahi, the only person convicted for the massacre, it has less than three months to live, corroded by an incurable cancer. “Go home to die,” said the minister several times. A release decided by national authorities in Scotland against the wishes of the vast majority of the families of the victims and the U.S. government, which until the last has pressed against the release and that Al-Megrahi to serve his sentence in Scotland, as was always insured. The former Libyan agent, 57 years old, was sentenced to life in 2001 during a trial in Holland, but with a Scottish court.
The White House has said it is “deeply regrets” the decision. The massacre in the skies of the small Scottish village 189 Americans perished. The Scottish Justice Minister Kenny Macaskill, in a long speech before communicating its decision, said to understand the reasons of those who are against and they have long consulted with stakeholders. He also recalled the opposition of Scotland at the recent agreement for the transfer of prisoners signed by the United Kingdom and Libya. But, he stressed, “was sentenced by a higher … he will die.” Shortly after the announcement, Al-Megrahi has left the prison in Greenock to Glasgow, and has reached the plane that was ready to return home. Macaskill has repeatedly reiterated that the man was convicted and that conviction remains valid, but said that in addition to the firmness, the Scots are always motivated by a sense of humanity, “Al-Megrahi showed no compassion for its victims. They have not been allowed to return to their families. He showed no compassion for them. But this is not enough for us to refuse mercy to him and his family in his last days. ”
“Our judicial system, claims that a sentence is imposed, but it is also possible compassion. Only this and nothing else, inspired my decision,” he explained, citing the opinion of doctors without uncertainties prison for which the remains little to be condemned to live. The departure of Al-Megrahi closes a chapter in the Lockerbie affair, a tragedy in which many people think there is more to do light.
But does not close some controversy. “Disgusto” were expressed by many families of victims in the U.S.. And behind the agreement with Libya for the exchange of prisoners, says the Daily Mail, there would be the richest contracts for oil companies like the British in Libya Bp; the agreement, according to the conservative tabloid, was outlined by former premier Tony Blair in talks occurred two years ago with the Libyan leader Muammar Gaddafi. The trial, which came after a lengthy tug-of-war between Libya, the U.S. and UK, has ruled that Al-Megrahi Frankfurt, at the official head of the Libyan airline security, organized the transfer of the bomb from an aircraft of Air Malta a flight to London. The bomb passed on Pan Am flight 103 direct to the USA. At 19:02 Gmt plane exploded. Died all persons on board, 11 more residents of the village of Lockerbie.
August 21st, 2009 / Author:
ondon time, rose, dressed in a white suit and with the aid of a stick, the plane of Afriqiyah Airways has reported from Glasgow in Libya. Abdelbaset Al-Megrahi, the Libyan agent sentenced to life for the Lockerbie massacre (270 dead by the explosion of a Pan Am plane on 21 December 1988) was released for humanitarian reasons by the Minister of Justice in Scotland. According to doctors Al-Megrahi, the only person convicted for the massacre, it has less than three months to live, corroded by an incurable cancer. “Go home to die,” said the minister several times. A release decided by national authorities in Scotland against the wishes of the vast majority of the families of the victims and the U.S. government, which until the last has pressed against the release and that Al-Megrahi to serve his sentence in Scotland, as was always insured. The former Libyan agent, 57 years old, was sentenced to life in 2001 during a trial in Holland, but with a Scottish court.
The White House has said it is “deeply regrets” the decision. The massacre in the skies of the small Scottish village 189 Americans perished. The Scottish Justice Minister Kenny Macaskill, in a long speech before communicating its decision, said to understand the reasons of those who are against and they have long consulted with stakeholders. He also recalled the opposition of Scotland at the recent agreement for the transfer of prisoners signed by the United Kingdom and Libya. But, he stressed, “was sentenced by a higher … he will die.” Shortly after the announcement, Al-Megrahi has left the prison in Greenock to Glasgow, and has reached the plane that was ready to return home. Macaskill has repeatedly reiterated that the man was convicted and that conviction remains valid, but said that in addition to the firmness, the Scots are always motivated by a sense of humanity, “Al-Megrahi showed no compassion for its victims. They have not been allowed to return to their families. He showed no compassion for them. But this is not enough for us to refuse mercy to him and his family in his last days. ”
“Our judicial system, claims that a sentence is imposed, but it is also possible compassion. Only this and nothing else, inspired my decision,” he explained, citing the opinion of doctors without uncertainties prison for which the remains little to be condemned to live. The departure of Al-Megrahi closes a chapter in the Lockerbie affair, a tragedy in which many people think there is more to do light.
But does not close some controversy. “Disgusto” were expressed by many families of victims in the U.S.. And behind the agreement with Libya for the exchange of prisoners, says the Daily Mail, there would be the richest contracts for oil companies like the British in Libya Bp; the agreement, according to the conservative tabloid, was outlined by former premier Tony Blair in talks occurred two years ago with the Libyan leader Muammar Gaddafi. The trial, which came after a lengthy tug-of-war between Libya, the U.S. and UK, has ruled that Al-Megrahi Frankfurt, at the official head of the Libyan airline security, organized the transfer of the bomb from an aircraft of Air Malta a flight to London. The bomb passed on Pan Am flight 103 direct to the USA. At 19:02 Gmt plane exploded. Died all persons on board, 11 more residents of the village of Lockerbie.
August 21st, 2009 / Author:
Enzo Bianciardi Locked in the house, a double outlet, ready to resist indefinitely. Outside the entire district to support New Ostia. The fifteen families in the building of Via Fasan Marino have opposed the order of eviction signed by the mayor Alemanno and for this have been condemned by the city to ensure that they carried out a survey in the stable. They obtained, however, a day’s time, where you can provide any alternatives, more routes and more like the same people, who must make the bags for at least a year away from home, mobile, work, school, friendships and affections to move to a residence sull’Ardeatina. This morning in the Capitol, in the Tapestry Room of the meeting with the assessor Antoniozzi housing policy and the mini-mayor James Vizzani, to develop, as possible alternatives. The assessor was required to specify that “the action of the evacuation of buildings Armellini was taken completely protect the life of the occupants of the building.” On paper the company is difficult, the order of Gianni Alemanno comes from protecting the life of families, an obligation which no one can steal. Sabatina Ragucci, a representative of the district, recalls: ‘These people are not opposed to renovate the buildings, only wants to remain in their homes. Interventions of consolidation of the foundations of buildings in New Ostia were already performed in other buildings, on a Sunday Baffigo, for example, but nobody had to leave the house. ” “The firefighters I have called them myself – says Luigi fifth, from 28 years resident in Fasan – Work on the restoration of the buildings are over three-four years, the pillars are not damaged, as they say, are many years in these conditions” . The situation is complex. The building is owned by the ‘Larex “it should perform the work. Yesterday, in this context, the council sent a letter calling for urgent intervention. Past 15 days, announced Vizzani, will be the technical department to carry out the work of consolidation in the same damage ‘Larex. Meanwhile the Roman offices of the company are closed for holidays, the lawyer has assured that the intervention will be executed, but to know the times and how we all refer to the first of September. Other node to be resolved is the ongoing legal dispute between the company and the Capitol for serious breach of contract. Moreover, there is the danger that new controls on state buildings in the area are 17 to raise about sixty families in the odor of eviction would be at least 4, in fact, complain that the buildings in similar damage structures. ‘Where are the controls on the pillars – reminds Vizzani – the houses will be empty. However, if the security risk is there in that building, the same problem applies to the other in the street. The sand of the sea was probably used for most of the buildings of Ostia, already at other times there were situations of this kind. “
August 21st, 2009 / Author:
To defend itself from accusations of having betrayed the spirit of his health care reform and Barack Obama ‘back again to defend the public system of insurance as “option” of his project: “e’” a good idea, “he said in a ‘ radio interview, stressing pero ‘che non e’ the only aspect of his plan. Last Saturday in Colorado, the President had made a half ride back the next day confirmed by the Minister of Health, Kathleen Sebelius, who at CNN had reported l ‘ public an option “not essential” to reform. “Our position is not ‘changed,’’said Obama adding:”I would be happy to just leave everything to market, like now. The problem ‘that things are not working, staying, and that too many people are losing medical coverage. We must do something”.
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