Posts Tagged ‘Car insurance Industry’

What is car insurance plagiarism and why do we hate it?

Written on July 12th, 2010 by admin
Categories: General Information

As students tasked with writing assignments we joked about plagiarism. We often remarked that “if you borrow from one person –it is called plagiarism, but if you borrow from several people it is called research”. When doing research and being creative in writing you will most likely use the thoughts of another as well – when not giving credit to that person, it however becomes rather distasteful for the person who has spent the time and effort to compile those thoughts!

What is car insurance plagiarism and why do we hate it?
Having written quite extensively on the car insurance industry [ on the blog at carinsurance.arrivealive.co.za] I have come across the unfortunate plagiarism of some of these written posts – and this is something I would like to discuss briefly…

What is plagiarism?

Plagiarism, as defined in the 1995 Random House Compact Unabridged Dictionary, is the “use or close imitation of the language and thoughts of another author and the representation of them as one’s own original work.” [Source:Wikipedia]

By referring to the source of the definition we are avoiding plagiarism of the definition. The authors of the publication will have no problem if we “use” their definition and refer to them as the source – as it does not only recognize their authority, but might also direct others to the publication or even entice others to purchase the Dictionary!

The same applies to blog posts on car insurance and why we hate it when the authors are not given recognition.

Why do we hate plagiarism of our online content on car insurance?

The answer to this question is to be found in the purpose of writing blog posts on car insurance! We can include amongst the objectives of the authors the following:

• To inform the public about car insurance
• To discuss the car insurance industry
• To urge readers to find and purchase car insurance
• To promote a specific car insurance website and invite visitors to such site
• To promote a specific car insurer or product

With this purpose in mind the authors, “hired guns”, “word mercenaries” or whatever we might like to call them, will strive to outwit one another in the pursuit of quality content to be found via the internet and internet searches.

Content is King and car insurance plagiarism

In the online industry and amongst search optimization specialists there is an understanding that content is king. Search engines such as Google, Yahoo, Bing etc reward pages with quality content – and no black hat technique or funny tricks will provide the same benefits as quality content on internet pages!

With this in mind car insurers appoint people with writing ability to do the necessary research and to provide quality content for their websites. This could provide these websites with improved search engine rankings, attract more online visitors and result in more quotes and possible revenue for these car insurers.

The problem with plagiarism is that the author is not recognized, and his efforts do not attract any visitors to the website or blog for which this content was written!!

Examples of the good and bad of borrowing content / plagiarism

The above can be best explained with reference to an example of a blog post from the car insurance blog. This will illustrate the importance of the question “does the referring site give credit – or at least direct online readers to the original source?”

Example: Blog post titled “Advice when switching car insurance”

This was written and posted on the car insurance blog at carinsurance.arrivealive.co.za on the 28th of June 2010.

A search on Google for the term “Advice when switching car insurance” delivers several results, and to the credit of Google – the first two search results are the original source.

Examples of sites that link to the content:
• The Hot Auto Insurance Website – this website uses the content , and even the exact image –without reference or a link to the original source [View Page]
• Best Automobile Insurance Website – This website uses the content, without the image – but EVEN WORSE – adds the words “by Richard Cook” – attributing this post to someone not known to the original author!! [View Page]
• Online Auto Insurance Network – This website uses the content, without the image – and AS BAD – adds the words “Eric Adams” – attributing this post to someone not known to the original author!! [View Page] We will not comment on the misspelling of “Insurance” in the title of this website!!

Conclusion

Unfortunately I could only illustrate these samples of plagiarism with reference to these sites and by including a hyperlink to these sites. This will direct readers to these sites who are not respecting the intellectual capital of the author – and unfortunately benefit them in the process.

It is however important to expose these practices. By writing blog post on the car insurance industry – we are making them available to online readers. Bloggers do not wish for them to be kept private or have them obscured in secrecy – We only wish for other publishers to respect the original source, recognize the original source or even best – add a hyperlink to the original source!! By doing so we can all benefit from the information provided!!

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Advice when switching car insurance

Written on June 28th, 2010 by admin
Categories: Car Insurance Advice, Cheaper car insurance, General Information

We find more and more car insurance policyholders reflecting on their insurance and considering alternatives! Car insurance providers are inviting consumers to switch their insurance providers to others offering more attractive or cheaper car insurance products. There is less brand loyalty in the car insurance industry and we can expect that there will be many more switches between car insurance companies!

Advice when switching car insurance

Before you switch your insurance, it is worthwhile to check with your existing insurer to see if he or she can match or do better than the new quote. Should you decide to continue with the switch – you would need to ask a few questions:

What do I need to know when switching car insurance?

It is important to recognize that once you have decided to commit yourself to changing car insurance providers, you need to be alert to potential pitfalls and dangers. Even though you might save on your monthly insurance premium – you might suffer financial harm if you take short cuts and not pay enough attention to performing this switch.

Communication and Notification of switching car insurance

You can only “switch” car insurance if you are insured. This brings us to the most important aspect of car insurance cover – you will need to consider what your existing car insurance policy says about termination of the agreement with them…

What does your car insurance policy say about termination?

A car insurance policy is an agreement between the policyholder and the insurer. In this you agree to specific terms and conditions and both have specific prescribed obligations. No switch should be performed without first considering the implications thereof on your existing insurance agreement!

Ask the following questions:

• What does my policy stipulate about termination?
• Is there a prescribed notice period? Do I have to provide a written note of cancellation?
• If I pay a yearly premium – will I receive a refund if I terminate early?
• Are there any cancellations fees?
• Is there perhaps a “cooling off” period?

What are the pitfalls and dangers when switching car insurance?

The Uninsured Black Hole / Coverage Gap

If you are not cautious with regards to the dates when your existing car insurance policy is terminated, and when your new policy takes effect – you may find yourself in an uninsured black hole. Vehicle loss or damage during this time could spell financial disaster. If you leave a gap, even the slightest of accidents while you’re uninsured could wipe out any new policy savings you had anticipated.

Cancellations fees / Loss of refund

You will need to take note of the terms and conditions of the existing policy to avoid paying more than is necessary on cancellations fees or risk losing refunds. Even if you don’t have to pay a penalty, when you cancel in the middle of a policy term you’ll have to wait on any refund of already paid premiums. Keep in mind that your old insurer will make the calculations on exactly when coverage ceased, meaning you could end up with less of a refund than you expected.

If the contract is not effectively terminated, you might incur further administrative effort and unnecessary time clearing your name as a bad creditor! Never just stop paying your premium – this could show up badly on your credit report.

Advice/ Suggestions

• If you proceed with the switch, make your cancellation a clean one!
• Notify your existing insurer and follow the cancellation steps as outlined in your policy.
• Be careful and coordinate the dates between termination of the old policy and activation of the new one.
• Give notice of cancellation in writing – This will protect against confusion and give you a record to fall back on if there’s any problem with the change.
• Ask for confirmation in writing as to the date that cover will be there no more!!
• Never cancel your existing policy until you know exactly when your new one begins.

With the necessary caution you should easily switch your car insurance to the new provider. Pay a little bit more attention in doing the research on providers – and a lot more attention to the terms and conditions of your car insurance policy! This should allow you the necessary cover and financial protection you deserve!

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