Should we claim on insurance when it is only a small thing?   The above happened to me a week ago.  I was not sure whether it was worth the claim on the ute.  The guy who hit me was very apologetic and actually just lovely.   We were parked at the red light and he momentarily lost concentration and drove straight into the trailer full speed.  Luckily no one was hurt.   He came to my house afterwards, taking full responsibility and organised to fix the trailer.   I had thought about not contacting the insurance company, however, it is better to contact them sooner rather than later. You may think, its just a bent towbar, just get a new one and carry on.  I priced up a new tow bar and ball and that came close to the excess on the insurance.   This truck is used to tow a substantial boat so we need it to be back at it's pre-hit best. If there is any further damage done by the impact, any further accident or problem with towing would not be covered at all, including if the boat came lo

  We all know that if we pay more each week, our mortgage will reduce accordingly.  Most of us have no way of affording this.   I have some tips and tricks to do this so it won't sting.  Nor surprises there!   I will be sharing these with you.  Please make sure you have read previous blogs so that you have a full understanding of this concept. I am going to refer to the previous blog about fixed mortgages and what they mean.  We discussed the problem of having to refix now at a higher interest rate and what that means to us. I had an interesting conversation with a couple today with regards to their house, car and contents insurance.  They bought me their annual renewal from their current provider.  I had a little look and I had a couple of thoughts that could get their insurance premiums down: Change their car insurance to third party, fire and theft from full cover.  That way their car (that was worth about $5,000) would not be covered unless stolen or burnt. They would be covere