Car insurance can be an annual headache for many of us, shopping around for the best quote or battling over the phone to stay with your current cover for a cheaper price. Insurance companies will create an insurance premium that judges how much of a risk you pose to them as a customer. If you are lower risk, you’re likely to have a lower premium.
Make sure you're covered with a good premium!
Take a look at the Healthy Hideout’s top 8 factors that will affect your car insurance bill:
- Profession – Some insurance companies will treat certain professions with more caution, so if your travelling long distances, working anti-social hours or carrying passengers your premium is bound to be higher than normal.
- Job title – Without pre-judgement about your work environment heirachy, it’s important to note that certain job titles will equate to a higher premium. People who are more inclined to stay indoors with less travelling are bound to have lower price tags.
- Driving History – One of the most important factors – If you’ve been involved in many accidents or convicted for a serious motor offence you’ll almost certainly have to pay a much higher price for your cover. No-claims bonuses can really play importance with situations such as this.
- Drive time – The more time you spend driving your vehicle, the more chance you’ll be involved in an accident. If you can commit lower mileage on your policy, your premium will of course be lower.
- Car type – Many people don’t seem to realise that the type of car they drive actually effects the price of your policy. Brand new, popular or even classic cars can usually cost more to insure as they are considered more vulnerable to theft or repair. Engine size and power also affects your policy negatively.
- Where you keep your car – If your car is secure over night, your insurance cost will be greatly improved. If you keep your car locked in a garage, you’ll pay less than someone who parks their car on the street.
- How you pay – If you choose to pay your annual insurance policy in one lump sum rather than monthly installments, it will cost significantly less. Insurance providers will charge you interest for the privilege of spreading payments.
- Credit rating – Your credit rating will almost certainly come into play when purchasing an insurance premium. If you are in any way a liability for the provider to take on board your business, it’s more than likely that you’ll charged for the luxury.
As we’re based in the UK, The Healthy Hideout is now deep into the winter with Spring not too far away. However, some of us may find that the cold is still having a negative effect on energy levels. Although curling up in front of the fire with a nice warm drink may seem more tempting than a 2 hour session at the gym, the body still requires activity in order to stay alert. Here are the Healthy Hideout’s key tips on keeping your energy levels high, leaving you feeling more awake, ready for each winter day!
- Exercise – It may seem obvious, and the winter breeze does make it more difficult to gather up enough motivation, but exercise is the bodies natural way of keeping energy levels high. Regular exercise gives the body a natural endorphin high, releasing such chemicals including adrenaline, serotonin and dopamine. Even a few minutes of exercise a day can have a drastic effect on how you feel, whilst regular exercise throughout the week will produce optimum results.
- Diet – Be careful not to rely on high sugar foods and processed goods to give you a quick energy boost during the day. Quick fixes such as this can result in having drastic energy drops, causing you to search for that next fix – not a healthy process. Try to keep your diet filled with fresh fruit and vegetables, and try to incorporate complex carbohydrates such as brown rice or peanut butter on corn cakes. Keep protein intake high to banish after work “glumness”.
- Water – We’ve mentioned this in many previous articles on the Healthy Hideout, but do not forget the importance of keeping hydrated even if you’re not feeling thirsty. Taking on board plenty of water helps the body get rid of toxins, whilst helping to battle tiredness. Try incorporating herbal teas to give your body an extra kick!
- Sleep – The later you fall asleep, the more out of sync you’ll become and the more tired you’ll feel throughout the day. This is because sleeping is linked to light, and our bodies natural response to the dark is to sleep. An earlier night’s sleep will almost guarantee a spring in your step the next day.
You can’t put a price on your bodies health and wellbeing! Try implementing some of the above before this winter is over, so that you may be better prepared for the next.
For many of us, there will be an abundance of food around the house this Christmas and it’s not difficult to get carried away. One of the key elements to try and avoid this festive season are the man made fats known as trans fats.
Trans fats are produced during hydrogenation: a chemical process that manufacturers use to convert vegetable oils into semi-solid fats. This helps to extend the shelf life of the food and tends to give food a creamier taste. Cutting out these trans fats could reduce UK deaths from from heart disease by up to 20 percent! Take a look at the Healthy Hideout’s top tips for keeping the trans fats at bay this Christmas:
- When choosing margarine for baking or sandwiches, try to keep away from hard block recipes, looking out for brands that have low trans fat content. If you can’t see this information, look out for hydrogenated fat or oil levels.
- When light frying in the pan, use a good quality olive oil rather than sunflower or vegetable. It’s that much better for you!
- When preparing side salads for Boxing Day lunch why not try Sunflower seeds or chopped pumpkin seeds instead of bacon bits – Bacon bits are soaked in trans fat!
- If you feel a craving for something savoury whilst watching your favourite Christmas movie, try substituting potato chips and crisps for something a little more imaginative. Peanut butter smeared on celery sticks is a great option!
- Try spending a little more time in the fresh food aisles of the supermarket – Research has shown that foods with high trans fat content are kept in the centre of the supermarket.
- Substitute the goose fat soaked roast potatoes for jacket potatoes this Christmas. Jacket potatoes are naturally low in fat and high in carbohydrate.
- If you need to stock up on processed foods such as biscuits, cereals or desserts try to stick to lower-fat versions of them. It may seem a little tedious, but it really is worth it!
- Make your own – Here at the Healthy Hideout, we can’t encourage making your own baked goods enough! Try your cakes, muffins and biscuits and pack them with contents that you enjoy whilst keeping the trans fats to a minimum!
We don’t want to start scaring you into thinking Christmas is just one big opportunity to gain weight, because it isn’t. It’s a time to be enjoyed and remembered! Just try to keep long term health in perspective – Your heart will thank you for it!