Job centres need additional assistance

More people are in need of assistance and certain insurance may help in the future.

10:05 13 July 2013

A recent report by the Centre for Social Justice shows that additional help for the work done at job centres should come from private and volunteer organisations. Many people have needed assistance and then after going off benefits had to reapply a few months later.

The future is uncertain and many of us could easily find ourselves in a difficult situation. Sometimes insurance is the only thing that might stand between your ability to keep a home, and the prospect of losing it. Here are a few insurance products that you may or may not consider necessary, but give them a second look to find out if you should obtain a policy.

• Travel insurance—this is not necessary for everyone, but is a wise decision for anyone who travels a lot. If you travel for your job, chances are your employer includes travel insurance as part of your benefits package. If not, shop around to ensure you receive a fair insurance rate, and the type of cover you need for any place you might travel.

 

• Car insurance—this protects you from losses caused from accidents and injuries. Many people appreciate that the insurance is able to take care of repairs, which are an immediate cost, but what is more valuable is often the protection against being held personally responsible for costly medical bills or other issues that can arise from accidents.

 

• Building insurance—if you own a home you should try to obtain insurance that will cover you in the event of a catastrophe such as fire, flood, or other damage. While the chances might be relatively slim that you ever need the insurance, the benefit far outweighs the risk and may even be required by a mortgage company.

 

• Life insurance—planning for the future is difficult, but life insurance helps the people you love remain financially independent.