• Consider third party liability – it covers damages that you might cause on other sailboats
• Ask about “new for old” cover - some arrangements will fully pay for a damaged piece of your boat – others pay the current, second-hand value of the damaged equipment
• Consider if the means of transport are covered - for example, your trailer
• Guests sailing on your boat - some policies differentiate between passengers and crew
• Sail in foreign countries – consider its validity abroad
• Ask about seasonal limits of the policy

• No Claims Discount - is one of the most valuable tools in reducing the overall cost of motorcycle insurance.
• Apply for the mileage discount - if you have other transport you could limit the usage of your motorcycle.
• The older the bike – the cheaper insurance.
• The older you are- the cheaper insurance.
• Dwellers of higher crime/accident district – the higher the rate.
• The cleaner your driving history – the cheaper your insurance policy (even car driving history matters).

How to get a cheap van insurance

• Always include drivers’ names in your policy - an accident about an uncovered driver will cost you much more than you saved on your insurance policy.
• Never leave your keys in your van – if the van is stolen the insurance will not pay out.

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• Avoid Travel insurance if your current health insurance policy covers you abroad.
• If you make more than two overseas trips a year- buy annual policy as it will be more cost effective.
• Consider f amily travel insurance – combining policies for couples or families is cheaper as the costs are higher 'per trip' than 'per person'.
• Over 65 old – many insurers offer discount packages for this age.

• Skip the cancer insurance – it is better off putting your money toward comprehensive health policies.
• Avoid Mortgage Life insurance - the cost of this policy can be three to five times as much as comparable term-life insurance.
• Neglect ID theft insurance – it will not fix your credit or give you back money stripped from your bank accounts.
• Keep your current policy and add on to your insurance protection rather replacing it - replacing policy incurs new costs and fees.

• Consider protective devices (smoke alarms, fire extinguishers, deadbolts on all exterior doors etc) – and save up to 15%.
• Consider building house from Fire Resistive material – it could bring you up to 15% discount depending on the materials.
• The newer the house – the cheaper insurance (< 10 years old => 25% reduction).
• The older you are – the less insurance price (you might qualify for as much as a 10 percent discount).
• Always take inventory – it will help you to claim property worth.

• Consider adequate hospitalization insurance before buying auto insurance which covers medical treatment for bodily injury in an auto accident
• Do not apply for Collision coverage if you are old model car owner – the amount paid in a claim takes depreciation into account thus you can receive considerably less than the cost of a replacement vehicle
• Do not forget - discounts apply only to certain parts of the total policy, so they do not necessarily result in huge savings

• Ask when you must claim after the loss or damage occurs.
• Ask what demonstration is required when you claim.
• Ask the necessary period for insurance company to investigate and settle the claim.
• Check "consumer complaint ratios".
• Listen to body shops recommendations.
• Check the J.D. Power Ratings – it publishes an annual survey of major auto insurers.
• Take account of financial strength ratings – visit A.M. Best and Standard & Poor's ratings.