Motor Insurance Quotes – Are Motor Insurance Quotes Legally Binding?

Q: Are the motor insurance quotes I receive from insurance companies binding? If so for how long?

A: The answer to that is yes and no. Let us explain. If you receive motor insurance quotes from an insurance company – then that is the price they are going to charge you. However, they are not legally bound to quote you the same price if you call them back three days later.

It is likely you will receive the same quote from the same company provided there were no incidents from when you first received the quote, but just because it is likely doesn’t mean that the company is bound to stand to by the earlier quote.

A good way to find out how long the quoted rate is good for is to ask the agent or representative who is giving you the quote. Be wary of a hard sell at this point however as the agent is going to realize you will be requesting quotes from other companies.

Motor insurance quotes are liable to change suddenly due to market changes, new insurance legislation, or a driving offense that may have occurred. To avoid this we recommend doing all of your insurance shopping over a one or two day span. This will ensure you get the price that was quoted to you.

Lastly, we strongly recommend that you take comparison shopping seriously when it comes to finding the best deal on auto insurance. While it may sound like common sense, there are many drivers who don’t take the time to compare quotes from different companies and end up overpaying for their coverage as a result.

Contract Of Employment Explained

Contract of employment like every other contract is an agreement between and employer and an employee which describes and states the condition of employment. It is always advisable for one to be sure of what the contract states before signing and accepting the contract as once signed it is binding on both parties. A well prepared contract of employment is a statement of the capacity in which the employee is employed, it covers and shows the name of the job, pay, allowances, hours of work, holidays, leave, pension arrangements, and should refer to the relevant company laws and policies as is applicable to the employee.

In a more refined way, a contract of employment is defined as an employment agreement voluntarily entered into by the employer and employee which stipulates and defines the conditions of employment. Most contracts of employment are in written form which makes it applicable and governed to the general law of contract. This then means that every contract of employment should be binding on both parties as well as valid. It then means that for the contract of employment to be binding just as I general law of contract, there should be an offer, an acceptance and a furnished consideration. In this case the offer is the written employment letter which is accepted by the employee and the consideration being the wage the employer is ready to pay the employee.


A well written contract of employment should include all of the following;

o Parties to the contract should be clearly stated: The name and contact address of the employee who is being employed should be clearly stated as well as the name and address of the employer.

o Date of employment should be clearly stated: The resumption date of the employment should be stated in the contract of employment. This will help in knowing when to start calculating the employee’s entitlements.

o Remuneration: The salary agreed on should be put down in writing. The scale or method of calculating the remuneration should also be put down in writing. Also the interval of payment should be written, either bi weekly or monthly depending on the policy of the firm.

o Terms and conditions of work relating to hours a day: The expected number of hours to be put in by the employee per day should be clearly stated in the contract of employment.

o Leave entitlements: The employees leave entitlement should be stated, number of days he is entitled to, his leave allowance, other types of leave he may be entitled to (sick leave, casual etc).

o Pension entitlements: The employee’s pension entitlements should be clearly stated if any.

o The job title: The title of the job being offered should be stated. The job tasks as well should be written.

o Confirmation: The number of months or years as the case may be the employee will serve successfully before his/her appointment will be confirmed should be stated.

o Disengagement: The number of days or months notice required by either of the parties before the contract will be terminated should be written as well.

After the contract of employment has been established, the employer and employer as well have duties to perform to keep to the terms of the contract. In the case of the employee, he has to keep to all of the following;

o Has to do his job personally: The employer was employed to work and carry out his duties by himself. It then means that by the terms of the contract, he has to do his job and duties by himself.

o Has to abide by the laws and policies of the firm: For every organization, there are laid down rules and regulations as well as policy guides that direct the affairs of the organization. The employee is bound by the contract of his employment to abide by the rules and regulations surrounding his employment contract. Disobedience to any of this may result to outright dismissal or termination of appointment.

o The employee should not by any means compete with his employer. He should not have any interest that will be against that of his employer.

o He is to conduct himself well and properly at all times. He should not be involved in any action that will be detrimental to the firm. He should come to work early and comport himself during office hours.

o He should be accountable to his employer on all assignments given to him during his period of employment.

o An employee should add value to his employer which is the main reason for his employment. He should be able to prove the skills he claimed to have prior to employment.

On the other hand the employer has some duties to perform for the employee to make sure that the contract of employment between them is sustained. The following are expected to be carried out by the employer;

o The employer is expected to pay the wages of the employee. As part of the employment contract, there is an amount that was agreed by both parties as wages for the employee. The employer is expected to pay such wages and as when due.

o He should provide the necessary and required tools to enable the employee carry out his duties effectively.

o The employer should also make sure that there is an enabling environment and good working conditions for the employee to perform his duties.

o The safety and safe working conditions should also be assured by the employer to avoid putting the employee at risk during his period of employment.

o The employee should be rewarded when he has performed well. He should also be motivated by the employer at all times. The employer should not see the employee as a slave, rather as a partner in progress, because without the employee, the employer will not succeed.

Picking the Right AC Repair Service Provider

AC breakdown during the summer season is indeed a very unfortunate event. Ironically, the occurrence of the same during the summer months is very common as it tends to overwork amidst this time of the year. Without a doubt, the need for getting it repaired becomes inevitable for ensuring comfortable temperature within the interior surroundings.

There are many such service providers in the market, but it is necessary to do a reputation check before hiring one. After all, finding reliable people from the deluge of companies is a bit challenging.

Here are a few tips to find the skilled professionals in your area:

Word of mouth consideration – Though a traditional approach, but it is one of the best methods to consider for finding the qualified professionals in your area. Ask your friends, neighbors, and acquaintances whether they are aware of the professional in the market who can provide reliable services.

Find on the internet – We are living in the digital world known for its connectivity. Just look over search engines for the same, and you will be assayed with the information on hundreds of options available in your area. You just need to shortlist a few of the practical alternatives available in your area and research on the kind and quality of service they provide. Always focus on the companies that are nearby and easy to reach. Look for the customer reviews and further cross check from the localities for getting a better idea about their expertise.

Experience – Experience counts and a company having about 3-4 years of expertise in this field must be your choice. Also, they should have access to advanced tools to take care of the job. Only a tech-savvy company can provide a dependable solution to the problem.

License – Consider the licensed professionals as it is proof that they have received special training for the job. It also showcases their skills and areas of specialization.

Budget – It is one of the most important aspects to consider. Eventually, you cannot make a deal that sounds exorbitant to your pocket. Ask for the quotes from all the companies in your list and then make your decision.

The benefit of hiring a qualified professional for the job ensures a quick fix for your system and add a few more years to its life. You just need to do your homework before cracking the deal.

Why Shop at Online Stores?

As the season changes, everyone wants to get out and buy cool clothes and dresses. Some prefer to go shopping with friends at all the trendy stores. A new season means a new wardrobe and a whole new line up clothes. While nothing beats the fun of hunting for a dress or the perfect pair of shoes with a friend, you can now do this more comfortably. I am, of course, talking about the vast array of online stores that have cropped up to cater to your every need.

Reason 1: Online stores come in all shapes and sizes, specifically speaking. They may cater to a particular type of shopper, or they may sell a wide variety of clothes and accessories. That is not the only purpose of online stores. At these websites you can find a lot of useful information about the latest trends. What is in this season? And what is out? You can find the answers to all these questions and more at these stores.

Reason 2: Online stores are not just places for women shoppers. Most stores have a separate section for men. The kid's section is also worth taking a peek at if you are looking for some new clothes for your toddler. In fact, the wide range of selections available often makes decisions a lot harder, but no less fun. Online stores make the shopping experience much easier and hassle-free. If you are not comfortable with the price tag of an item, you can simply look elsewhere. The World Wide Web is a big place, which means that there are countless places to shop. However, the best stores offer high quality dresses and accessories at affordable prices. Once you find a good online store, you should stick with it.

Reason 3: Do you know what is in style this season? You are sure to find all the trendiest clothes online. You can buy dresses online, and have them shipped right to your home. Many online stores even offer free shipping within the United States. The important thing to remember when shopping online is to keep an open mind and lots of available time on your hands. Most online stores stock more items than any of your local clothing stores. It is easy to get lost in a mire of fashionable clothes, accessories, and shoes. If you want to save time, then stick to the items you absolutely need and leave random browsing for a later time.