A lot of people spend a lot of time planning for the Zombie Apocalypse. What they’ll do, who they’ll save, where they’ll go. I’d be one of them, I think it’s quite important.
So what do you do? You plan for the occasion. You’ve got a world of nastiness trying to get in to feast on your ever so tasty flesh. Best to not let that happen really.
What do you plan for?
- Make sure you know what’s going on first. Be an awful shame if you just went around the house swinging a bat and knocked your Mother clean out. Imagine discussing that over Christmas dinner for the rest of time. Slow is smooth and smooth is fast.
- Do a roll check. Yeah, sounds a little bit like school, but it sure would be handy to know who’s still in the world of the living. Get people to sound off and if possible secure them in the one location. If it’s not possible then tell them to go to a predesignated safe spot, batten down the hatches and wait for help.
- If the situation is truly dire and you have Zombie hands coming through the door then you need to bug out immediately. Have your escape route planned and make sure everyone knows the drill. If you live in your standard house then a jump out the window will probably not kill you. Don’t go head first. Feet first and try and roll when you hit the ground. Broken legs are far easier to recover from than a broken neck or the damage some house invading zombies will inflict on you.
- Be prepared to defend yourself if you need to. If you absolutely have to fight the good fight then you do that. This should be used as simply a last resort. You’ve tried everything else. You can’t escape, you can’t account for your loved one’s, you’ll have to fight it out. Remember, you’re not there for the 15 rounds. Move quick and stay low. If you watch rugby then you’ll notice that the best and most effective tackles occur below the waist. This is the best way of taking someone to ground. Fighting is exhausting and you need your energy to live.
- Know your escape routes. Know where the keys to the doors are. Know who’s in the house. Know where you agreed to meet when you get out. Remember to bring a phone, you’ll need to call for help.
So there ya have it. A quick guide to what to do if Zombies come knocking. It’s always a bit of craic to talk about that, especially with The Walking Dead coming back on our screens.
Now, I would like you to substitute “Zombies” for “Fire” and “Burglary”. When was the last time you planned for that?
Know your way out. Know your plan. Know who’s in the house. Know what to do. Know that your family’s safety is paramount above all else. Things can be replaced people can’t be.
Slow is smooth and smooth is fast.
Don’t let a 3 letter word throw you for a loop
So you’ve read the blog on how to cut down the costs of your premium, now how about getting to grips with some of the aka’s in the insurance industry?
You’re confident enough now to ring the insurance company yourself; completely sure in the fact that you will get the best deal available, but hang on, what was the last thing they said? In the Insurance Industry there’s a sea of abbreviations and acronyms out there. Enough to make your head spin. We know that insurance can be difficult to grasp sometimes, and that’s why I want to make the whole thing easier for you, the client.
The Most Commonly Used Abbreviations
Your Insurance shouldn’t make life more difficult for you by throwing abbreviations at you, but from time to time you may hear, or see, the following abbreviations in your search for the best quote. Don’t lose faith if an insurer is trying to confuse you with lots of letters, just take a minute and check it out before you either commit or walk away.
- BA – Breakdown Assist. Often an additional extra. Usually this is included with fully comprehensive polices, but if not you can get it specifically with most insurance policies.
- CCE – Company Car Experience. If you have been driving nothing but the company car for the last few years then you may have built up some valid ODE (Other Driving Experience) with your company car. This is most useful for those drivers who are now getting their own car and their own policy for the first time. This may afford you a discount with some insurance companies, but not all. Proof of CCE must be provided by your company.
- CPF – Closed Premium Finance. Some companies won’t issue a policy through Direct Debit Payments, but don’t worry, because Chill Insurance have that sorted for you. CPF will allow you to pay your premium through direct debits, even if the insurance company doesn’t, Chill can organize that for you.
- DDM – Direct Debit Mandate. This is the form you get which will allow your Direct Debit payments to commence.
- DMD – Distance Marketing Directive. Before payment is taken for any product you buy the agent on the phone will read the DMD. The DMD outlines your position regarding refunds and the cooling off period. Basically you are entitled to a refund within 14 days if you change your mind about a product or service you have just purchased online.
- DOC – Drive Other Cars. Commonly referred to as DOC around the office this allows a driver, who meets the specific requirements set in the specific policy, to drive other cars (as long as s/he has the permission of the owner so don’t go taking any old car).
- DP – Data Protection. This refers to the storage and use of your personal data.
- Fully Comprehensive. This is the highest level of cover a person can obtain on a private motor insurance policy. If you have a car worth a few quid then get fully comp. It will cost extra, but it’s worth, and you get more items as standard.
- MTC – Mid Term Cancellation. If you decide to cancel your policy, for whatever reason, during the lifetime of the policy, this is referred to as Mid-term Cancellation. This usually incurs administration and cancellation fees.
- NCB – No Claims Bonus. This refers to the number of years you have been driving without having to make a claim. You will most often see this in correspondence with an insurance company or broker. Please note that some companies have different definitions of a full NCB. What companies in Ireland need to hear is how many years NCB you have, not points on scale, but years. If you have 4 years, say 4 years etcetera.
- NCD – No Claims Discount. This is roughly the same as the NCB. Some companies will use the term No Claims Discount and some will use NCB.
- RTA – Road Traffic Act. The Road Traffic Act (1961) is the act which made Motor Insurance compulsory in the Republic of Ireland. The minimum insurance a person who intends to operate a motor vehicle on public roads needs is Third Party Cover.
- SOF – Site of License. A copy of your (and any named drivers) licence, simple as.
- SOF – Statement of Fact. Who you are, where you live, what you drive, any modifications to the car? These are some of things which may be considered statements of fact.
- TP – Third Party. This is the minimum cover which must be obtained by a qualified person wishing to drive on public roads. It is there to cover any damage which a driver may cause to others through their own fault. Often this is used by first time drivers, however, this will not cover any damage which a driver may accidentally inflict upon their own vehicle.
- TPFT – Third Party Fire and Theft. This covers third party’s involved in any Road Traffic Incidents (RTI’s) which you may cause. This also covers the theft of your vehicle or damage caused by malicious fires. This policy suits drivers who are gaining experience on their own policy and is often the step up from TP and just before the person is able to get Fully Comprehensive insurance.
Unfortunately this isn’t the full list used in the Insurance Industry, but this is the list that will matter to you, the person looking to get the best deal and the best saving. Remember, when getting your insurance, don’t be afraid to ask questions on anything you don’t understand. The last thing you should have to do is to start your search all over again. Get the best deal and get it the first time.