Insurance Advice For Owner Builders

Owner builder insurance products are a must for anyone deciding to build their home. Don't get lost with all the different protection and coverage offered by different providers, find out which products you need. So you want to build your own house and add that personal touch to your home? This is becoming increasingly popular and ensuring that you have the correct insurance coverage is vital. The key to a successful self-built project is to make sure that you are fully insured from the start.

The following insurance products are a MUST for any owner builder

Chelsea

1. Construction & Liability Insurance
Also known as contract works insurance or construction all risk insurance which is insurance protection for people renovating, building or extending their home. Construction insurance protects builders from most main risks that may be encountered during the construction and building process. This includes weather related damages, fire, issues with their workers or workmanship and more. (Consult your insurance broker to ensure what risks are protected).

The liability portion of this insurance is known as Public liability insurance. This protects the builder for their legal liability against injury or damage to third party property. As an owner builder you are responsible for the site safety and overseeing building works - without this cover you would be liable if anyone is injured at or near your building site. Although it is not mandatory to have construction and liability insurance cover it would be risky not to have it. Most local councils will however require you to have this cover prior to commencing any building work.

2. Personal accident or volunteer workers insurance coverage
Building and construction sites are listed as being amongst one of the more dangerous places to work. As an owner builder you can choose to assist your tradesmen and builders with the construction. If you are injured or incapacitated during construction and cannot attend your normal form of employment, having the right personal accident insurance cover will offer you the right protection.

3. Builders Warranty Insurance
Owner Builder Warranty Insurance mandatory insurance required by the Home Building Act 1989. Although it is mandatory, the policy is for benefit of the house purchaser and does not provide any cover to the actual home builder

This policy protects the subsequent owner from any defective work on the property if you as the owner builder have died, disappeared or become insolvent. Builders warranty insurance is mandatory insurance cover. It is essential to take out the insurance before any work is started as otherwise the project will be difficult to insure. Standard policies run for 12 months but, if the construction takes longer, extensions are usually available. This insurance is compulsory for all residential building works in excess of ,000. If you build and sell your property within 6 years of its completion or renovation you will need to provide the with residential owner builder warranty insurance.

It is required by law to be taken out when selling within the statutory period - Statutory period for New South Wales and Victoria is 6years and 7 years in Western Australia. A builder who sells within 6 years of completion without any Insurance, or who fails to attach an insurance certificate to the Contract of Sale can be fined, amounts over ,000. If a Contract of Sale has been entered into without insurance, the contract can be voided by the purchaser at any time before completion of the contract. It is therefore in your best interest to ensure you have the right advice when building you own home.

Insurance Advice For Owner Builders

International Friendlies

This gave those teams heading for the World Cup Finals in South Africa later this year the chance to do a little experimentation with formations and tactics before the big event. It also gave the players a chance to stake their claims for positions on the plane to South Africa.

England vs Egypt

England faced a tough test against the Egyptians ranked once place below them as the 10th best team in the world. Having been beaten to World Cup qualification by Algeria, the Egyptians recently won their third African Nations Cup and took shoed their class from the outset dominating England early on before taking a deserved lead through Zidan in the twenty-third minute. Fabio Capello made a few changes at the break, most notably bringing Peter Crouch on for the lackluster Jermaine Defoe. It proved an inspired substitution as Crouch scored twice, one either side of a goal by Shaun Wright-Phillips to ease England to what was eventually a comfortable victory.

France vs Spain

Spain underlined their tag as World Cup favorites with a comfortable 2-0 victory of France in Paris. This was their 22nd win in 23 games since they won the European Championships and their first victory over the French in France since? Goals from Real Madrid's Sergio Ramos and Valencia's David Villa sealed the win. The tough French team turned against their own side with Thierry Henry booed and whistled at throughout following his controversial deliberate handball against the Republic of Ireland to seal qualification for the World Cup Finals. Coach Raymond Domenech wasn't spared either as once again he failed to spark a disjointed French team who were outplayed by the classy Spaniards throughout.
Germany vs Argentina

Argentina put their shaky World Cup qualifying campaign behind them with a strong performance against Germany in Munich, taking victory through a classy goal from Real Madrid's Gonzalo Higuain on the stroke of half-time. Argentina legend and coach Diego Maradona was in a confident mood after the match.

"This game had the character of a World Cup quarter-final and this is the level we were looking for," he said. "Maybe the press in Argentina won't like it, but we are going to play a very good World Cup in South Africa. What we showed is that we have a team who can become world champions for the first time after 24 years," Maradona said.

"But now I have got to reduce my squad from 30 players to 23. That is not going to be easy.

"We showed a lot of courage and the whole of Argentina was looking forward to this game. Germany has great potential and Argentina showed that they are on a par with them."

Cheap Levi's Mens Jeans Cheap Shirt Cost Lasik Laser Eye Surgery

The Rivalry Between Liverpool and Manchester United

One of the fiercest rivalries in English football, and even in World football, is the rivalry between Liverpool football club and Manchester United football club.

There is no love lost between the fans, players or managers of the two giants of club football.

A Tale of Two Cities
The origins of this rivalry point towards the rivalries of the two cities since industrial times. Liverpool and Manchester were challenging for supremacy of the north west of England. Manchester was renowned for it's excellent manufacturing capabilities, whilst Liverpool had long been a major city due to it's port.

However, once the Manchester Ship Canal was built, ships were able to bypass Liverpool to carry goods directly to Manchester. The loss in jobs in Liverpool no doubt strengthened the hostilities between the two cities.

On the Pitch
The first match between the clubs was on 12 October 1895 which Liverpool won 7-1. There have been 152 league matches. Manchester United have won 58, Liverpool 51 and there have been 43 draws.

If anything the off field rivalries between the cities have been deepened by the great successes of the two clubs. Both clubs have had periods of dominance of English soccer and each of these periods has increased the rivalry between the clubs.

During the 1970's and 80's, Liverpool dominated English Football and to some extent European Football, winning 11 league titles and 4 European Cups.

The 1990's onwards have belonged to Manchester United who also won 11 league titles as well as 2 European Cups.

Significantly in 2009, Manchester United equalled Liverpool's long standing record of having won 18 League titles overall. The team that came second was...Liverpool. The competition between the two teams reached fever pitch during this season. No more proof of this was required than the 'War of Words' between the two club managers, Sir Alex Ferguson and Rafa Benitez. The pair traded verbal blows as the season was heading to a thrilling climax.

Is this rivalry good or bad?
Well, in one sense the intensity of the rivalry spills over into deep hatred and irrational loathing not only from the fans, but from the players and managers too. Sometimes the personal insults that are thrown at each other seem to be going too far.

In another sense, however, you get the sense that it is this rivalry that really creates the massive amount of motivation to succeed. Both clubs are determined to be more successful than the other and this seeps through from the fans to the players to the manager to every person connected with the clubs. It could be argued that neither club would have been as successful as they have been without this fierce rivalry.

What of the future?
With both clubs on 18 league titles, the 2009/10 league season promises to be the most bitterly contested ever as neither team will want to live with the stigma of falling behind in the reckoning.

You can have your say on who is the greatest and also see what others think at the Football Duel.

As another season beckons, hold on to your seats and watch the next chapter of this fascinating rivalry unfold!

Cost Lasik Laser Eye Surgery