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Purchasing-travel-insurance
By Dream Team Media
Purchasing Insurance – Your Options

There are three main options you have when purchasing your insurance.

1.You can buy direct from the insurer.
2.Buy through your local agent.
3.Buy from a insurance reseller usually online.

Buying directly from the insurer or through your local agent you will generally find that the insurance you buy is not discounted. You have to go directly to their office, discuss your needs then fill in application forms for your insurance. It can be a time consuming affair.
Buying through a reseller generally means you will save money and time. Most resellers have web sites where you can fill in your information online to find the insurance policy that you require. You can then complete an application form and receive your policy by mail. The resellers are offered a discount on the insurance by the insurance companies, so they can pass on some of this discount to you.

The following outlines what a reseller of insurance is and what it means for you.

What is a Insurance Reseller?
A insurance reseller is a middle person between the customer and insurance company or companies.

What do they do?
A insurance reseller sells insurance for one or more insurance companies, usually at a discounted price. Because a reseller receives discounts from the insurance companies they can offer you cheaper insurance than buying direct from the insurance companies.

What are their responsibilities?
The responsibilities of a Insurance reseller are:
•Help you find a insurance product that you need.
•Interact with the insurance company to complete your application.
•Interact with the insurance company to process any Pre-Exisiting medical and senior traveller issues. This interaction often involves a fee.
•If you need to cancel the insurance before you then the reseller will interact with the insurance company to cancel the

Hollywood finds romance in travel
On a train 'North by Northwest' and others, on a bus in 'It Happened One Night,' in Italy in 'Roman Holiday,' in Bali in 'Eat, Pray, Love' &#8212; love is all around.<br/><br/>Love is always lovelier some place other than home. Well, at least in the celluloid universe. <p><a href="http://feedads.g.doubleclick.net/~at/9Ep_dFTeA0BVVUtyK7MS82aYYOA/0/da"><img src="http://feedads.g.doubleclick.net/~at/9Ep_dFTeA0BVVUtyK7MS82aYYOA/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/9Ep_dFTeA0BVVUtyK7MS82aYYOA/1/da"><img src="http://feedads.g.doubleclick.net/~at/9Ep_dFTeA0BVVUtyK7MS82aYYOA/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/Jw20SZSobcQ" height="1" width="1"/>
Indy tips for Super Bowl visitors
OK, you somehow scored Super Bowl tix. Congrats. Shouldn&rsquo;t everyone&rsquo;s uncle be a regional fleet manager for Ford?<br/><br/>OK, you somehow scored Super Bowl tix. Congrats. Shouldn&rsquo;t everyone&rsquo;s uncle be a regional fleet manager for Ford? <p><a href="http://feedads.g.doubleclick.net/~at/G7ECjb7E_QRNRvkhtuG5wxmKFY4/0/da"><img src="http://feedads.g.doubleclick.net/~at/G7ECjb7E_QRNRvkhtuG5wxmKFY4/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/G7ECjb7E_QRNRvkhtuG5wxmKFY4/1/da"><img src="http://feedads.g.doubleclick.net/~at/G7ECjb7E_QRNRvkhtuG5wxmKFY4/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/Hl2jKJwYO9E" height="1" width="1"/>
Cooking up gourmet adventures across the West
A guide to the hotels, resorts and other locales in the West that offer travelers hand's-on cooking lessons.<br/><br/>Cooking classes are sprouting like shiitake mushrooms across the West, often in gorgeous locations. For travelers who want to plan their gourmet adventures, we've found restaurants, hotels, lodges, resorts and culinary academies where they can improve their home-chef skills with hands-on lessons, demonstrations or tutoring by noted chefs. <p><a href="http://feedads.g.doubleclick.net/~at/BFoY9DXihQS8qermaYzL_Y88240/0/da"><img src="http://feedads.g.doubleclick.net/~at/BFoY9DXihQS8qermaYzL_Y88240/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/BFoY9DXihQS8qermaYzL_Y88240/1/da"><img src="http://feedads.g.doubleclick.net/~at/BFoY9DXihQS8qermaYzL_Y88240/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/XfMAQG4NEkA" height="1" width="1"/>
12 places to visit in 2012
From historical celebrations to Oregon wines to a diamond jubilee in Britain to Warhol in Arkansas, here are a dozen places to explore and enjoy.<br/><br/>New Mexico: This year, New Mexicans mark 100 years of statehood. But much of the state's appeal stems from its human history that goes back much further. (In 2010, Santa Fe celebrated 400 years of cityhood.) Explore here: the adobe architecture and art galleries of Santa Fe; the vintage signage along old Route 66; the lingering hippie vibe of Truth or Consequences. Don't forget the Lightning Field, an art installation outside Quemado where (for $150 to $250 a person) you spend a summer night in a wood cabin and wait to see if lightning will strike one of the 400 tall steel poles outside your door. Even if there's no strike, the sky puts on shows at sunset and sunrise that will leave you in awe. <p><a href="http://feedads.g.doubleclick.net/~at/TKG1ZPX1ejRk_XExaQDmltHXSp4/0/da"><img src="http://feedads.g.doubleclick.net/~at/TKG1ZPX1ejRk_XExaQDmltHXSp4/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/TKG1ZPX1ejRk_XExaQDmltHXSp4/1/da"><img src="http://feedads.g.doubleclick.net/~at/TKG1ZPX1ejRk_XExaQDmltHXSp4/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/Ld3egPKkyIs" height="1" width="1"/>
Travel updates for 2012
Here are a dozen travel-news tidbits that will make you a better informed consumer in the new year. <br/><br/>Think of what follows as a travel tapas buffet &mdash; tidbits that just might whet your appetite for more. Here are a dozen pieces of information for the 2012 traveler. <p><a href="http://feedads.g.doubleclick.net/~at/k19HPvbEbBKktQyjraS3AAjjekA/0/da"><img src="http://feedads.g.doubleclick.net/~at/k19HPvbEbBKktQyjraS3AAjjekA/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/k19HPvbEbBKktQyjraS3AAjjekA/1/da"><img src="http://feedads.g.doubleclick.net/~at/k19HPvbEbBKktQyjraS3AAjjekA/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/KX8DBmXEnQQ" height="1" width="1"/>
Cruises: Drinking in the ambience aboard Rotterdam VI
With a more traditional vibe than other liners, Holland America's Rotterdam makes for smooth sailing.<br/><br/>Rarely has a city been as in love with a shipping company as Rotterdam, Netherlands, is with the Holland America line. <p><a href="http://feedads.g.doubleclick.net/~at/bGas_cXaz9pDKNUSRtW8MZzw4S4/0/da"><img src="http://feedads.g.doubleclick.net/~at/bGas_cXaz9pDKNUSRtW8MZzw4S4/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/bGas_cXaz9pDKNUSRtW8MZzw4S4/1/da"><img src="http://feedads.g.doubleclick.net/~at/bGas_cXaz9pDKNUSRtW8MZzw4S4/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/Ezj4hiGYTLg" height="1" width="1"/>
Smaller legs of world cruises can be a deal
If you can't take a full world cruise, a smaller segment can still be filled with adventure and cost a lot less. These days only a fraction of passengers are there for the long haul.<br/><br/>The British couple &mdash; she in a long black dress, he in a traditional tux &mdash; leaned against the elevator's polished wood paneling as they headed back to their cabin after an evening performance in the main showroom. Embarrassed at my casual clothes and running shoes, I stammered, "We decided not to dress up and went to the buffet instead of the main dining room." <p><a href="http://feedads.g.doubleclick.net/~at/X1k0k_hIfPn4GNBHpSdaH_i6ha0/0/da"><img src="http://feedads.g.doubleclick.net/~at/X1k0k_hIfPn4GNBHpSdaH_i6ha0/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/X1k0k_hIfPn4GNBHpSdaH_i6ha0/1/da"><img src="http://feedads.g.doubleclick.net/~at/X1k0k_hIfPn4GNBHpSdaH_i6ha0/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/nY3Uw5U5-0w" height="1" width="1"/>
A big question mark hovers over the cruise industry
Cruise lines were ready for a busy year, with continued deals, expanded river jaunts and hot new locales. How the Costa Concordia disaster affects the industry is still unknown.<br/><br/>The first quarter of 2012 was supposed to be a sweet spot for passenger cruise lines. Wave season, as it's known, marks a time when cruise companies and travel agents roll out deep discounts on cruise vacations and rack up lots of sales. <p><a href="http://feedads.g.doubleclick.net/~at/K0Y4lRVLGmleAcdqu8k1kMFbCNU/0/da"><img src="http://feedads.g.doubleclick.net/~at/K0Y4lRVLGmleAcdqu8k1kMFbCNU/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/K0Y4lRVLGmleAcdqu8k1kMFbCNU/1/da"><img src="http://feedads.g.doubleclick.net/~at/K0Y4lRVLGmleAcdqu8k1kMFbCNU/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/SexwFChhTho" height="1" width="1"/>
Costa Concordia capsizing spotlights cruise ship safety
Costa Concordia capsizing and cruise ship safety: Industry experts say that such megaships should be able to handle emergencies and that passengers must heed safety procedures.<br/><br/>It's a cruise vacation, promising lots of fine dining and drinking, new adventures and relaxation. What could go wrong? <p><a href="http://feedads.g.doubleclick.net/~at/aBKWZTGNa0AN93Mcmc7ZurqfIns/0/da"><img src="http://feedads.g.doubleclick.net/~at/aBKWZTGNa0AN93Mcmc7ZurqfIns/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/aBKWZTGNa0AN93Mcmc7ZurqfIns/1/da"><img src="http://feedads.g.doubleclick.net/~at/aBKWZTGNa0AN93Mcmc7ZurqfIns/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/3gqZ-NZs_7Y" height="1" width="1"/>
Racing aboard the Great Lakes schooner Denis Sullivan
Participants do the jobs that 19th century sailors did as this replica navigates Lake Superior's unpredictable waters.<br/><br/>At dawn on the dock, a few sailors kiss spouses and dogs goodbye. Then we muster on the quarterdeck: 17 crew (nine volunteers and eight professional sailors) ranging from a 19-year-old South Carolina college student to a 76-year-old Michigan farmer. <p><a href="http://feedads.g.doubleclick.net/~at/dP3lva-3mxxIPJqB94aLkfYFImA/0/da"><img src="http://feedads.g.doubleclick.net/~at/dP3lva-3mxxIPJqB94aLkfYFImA/0/di" border="0" ismap="true"></img></a><br/> <a href="http://feedads.g.doubleclick.net/~at/dP3lva-3mxxIPJqB94aLkfYFImA/1/da"><img src="http://feedads.g.doubleclick.net/~at/dP3lva-3mxxIPJqB94aLkfYFImA/1/di" border="0" ismap="true"></img></a></p><img src="http://feeds.feedburner.com/~r/latimes/travel/~4/fMeFMN0dIdY" height="1" width="1"/>

policy. You may be charged for this service.
•Once your policy has taken effect the contract is complete and any interactions in regard to claims must be dealt with between you and the insurer. The insurance reseller is able to help you to get in touch with the insurer.

How do they profit?
Travel insurance resellers profit by passing on part of the discount that they receive from an insurance company to you. For example, a reseller may receive a 45% discount on the insurance products that they sell, and they may pass on a saving of 15% to you.
So you walk away happy because you have saved 15% on your Insurance product and they are happy because they have made a 30% margin on this product.


How do I know if a Insurance Reseller is reputable?
In Australia all insurance resellers must be approved and will have been issued with a Financial Services Reform Act (FSRA) Number. Look for this number on their web site, their business cards or the Product Disclosure Statement.

Where can I find a Australian Insurance Reseller?
The following are just a few of the Insurance brokers in Australia:
http://www.australiatravelinsurance.com.au
http://www.travellerinsurance.com.au

Australia Insurance wishes you a wonderful and safe journey.

Article Source: http://www.upublish.info

About the Author:
Dream Team Media
Australia Insurance Providing Premium online insurance at discounted prices.http://www.australiatravelinsurance.com.auhttp://www.travellerinsurance.com.au

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