Car hire excess insurance for Irish residents via insurance4carrental.com

PRLog (Press Release) – Jul 18, 2011 – Insurance4carrental.com the online advertising promotion web site for providers of car hire excess insurance products like insurance4carhire.com, Questor insurance, Worldwideinsure.com, Icarhireinsurance.com and Odyssey car hire insurance are reminding potential customers in Ireland that these car hire excess insurance products can be bought online by residents in the Republic of Ireland and Northern Ireland, subject to the insurance provider’s terms and conditions.

When someone rents a car the renter can greatly reduce the costs associated with hiring a car by independently obtaining cover for the excess for any damage to the vehicle. Buying a Collision Damage Waiver from the hire car company can still leave you with a bill of a thousand Euros or more if the car is damaged whilst you have the vehicle in your care, because of the insurance excess (the amount you must contribute if your car is damaged while you hire it).

You can insure against paying this excess, but the cost can be high when taking out a policy through the car rental agency and these typically cost from €9.50 to €15.00 a day. Independent insurance providers are much cheaper at a daily rate of under €6 or even better value Annual policies for Europe, Worldwide, Canada and USA. Some insurance companies will also provide cover for drivers in the 75 to 85 year old category.

For more information visit http://www.insurance4carrental.com/insurance4carental_Ir ...

If you are a resident of Northern Ireland there are additional insurance companies advertising on the insurance4carrental.com site who sell car hire excess insurance, van hire excess insurance and motorhome excess insurance to residents in the UK

Many of the car hire excess insurance companies advertising their products on the insurance4carrental.com site and other jml insurance and travel websites can also be purchased nearly anywhere in the world. This means if 1916338565  you are a resident of France, Germany, Spain, South Africa, New Zealand, USA etc you can buy this important insurance on your credit card in your local currency saving money by buying it from one of these independent companies.

jml-property-Insurance.co.uk is part of jml Property Services, the trading name of Jeffrey Milner Ltd. The company is an UK based company that was established in 1979.

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As Long-Term Care Need Grows U.S. Nursing Home Residents Increasingly Minorities

PRLog (Press Release) – Jul 15, 2011 – The number of Americans residing in nursing homes has decreased in recent years but according to new research residents are becoming proportionately more black, more Hispanic, more Asian, and less white.

According to the new study conducted by Brown University researchers the nationwide trend results from changing demographics and disparities in what people can afford.

"Over the past decade more minorities are receiving nursing home care," explains Jesse Slome, executive director of the American Association for Long-Term Care Insurance http://www.aaltci.org.  "Often that is simply because Medicaid forces those without assets into a nursing home facility while those with the ability to pay now prefer to receive care at home."

The authors of the stude appear to agree suggesting that the growing proportion of minorities in nursing homes is coming about partly because they do not have the same access to more desirable forms of care as wealthier whites do, said the study's lead author Zhanlian Feng, assistant professor of community health in the Warren Alpert Medical School of Brown University.

"Seemingly, we are closing the gap in terms of minority access to nursing home beds, but I don't think that is something to celebrate," Feng said. "They are really the last resort. Most elders would rather stay in their homes, or some place like home, but not a nursing home unless they have to."

The new analysis finds that between 1999 and 2008 the number of Americans in nursing homes shrank by 6.1 percent to just over 1.2 million people. Over that same time period the number of whites in nursing homes decreased by 10.2 percent nationwide, while the number of blacks rose 10.8 percent, the number of Hispanics rose by 54.9 percent and the number of Asians rose by 54.1 percent.

The study authors note that prior research has shown -1241067585  that nursing homes located in predominately minority areas often are of lower quality and are more likely to close.   "People will increasingly understand that long-term care insurance is actually nursing home avoidance insurance," Slome adds.  "If you want choice and control over where you or a loved one will ultimately receive care, you will need the ability to pay the cost or have it covered by insurance."

The American Association for Long-Term Care Insurance http://www.aaltci.org is a trade organization. The Association's Consumer Information Center is the #1 source for information and can be accessed at http://www.aaltci.org/long-term-care-insurance

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