Writing Sample-3 Short Term Car insurance

Short term car insurance policy aims at providing protection to people who are searching for an immediate and short-term coverage. This policy is generally required by people visiting UK and looking for insurance coverage of 1-28 days. This policy covers risks like accident, theft damage and other third party liabilities.

This policy indemnifies the Insured against liability at law for damages and claimants costs and expenses. This can cover risks related to death or bodily injury to any person and damage to property arising out of an accident. This policy further indemnifies the owner against third party injuries, losses and liabilities.

The premium amount varies from insurance company to company. However, the common factors that decide the amount of premium are potential risk, profile of the applicant (age, gender, place of living) and value of the car. Risk potential and premium value are directly proportional. It means higher the risk higher is the premium and vice versa. Minimum age requirement to buy this policy is 21 years.

Short term car insurance has several advantages. This insurance is a flat rate policy for a fixed period. Hence, by availing this policy you do not risk your “No claim” bonus. Processing of this policy is faster. You can get an instant cover with help of this policy. You can add another person to your existing short term car insurance policy too. Some insurance companies provide coverage to the insured with at other European Union countries during the period.

However, short term car insurance policies do not indemnify the insured in certain instances. Any loss or damage exceeding the insured amount is not borne by the company. If the loss is caused by a driver who has not attained complete driving license of the UK, the policy will not cover any loss. Depreciation costs are also excluded from coverage. Losses like punctures, damage to tyres, brake applications are also not covered.

Most of the leading insurance companies of UK are now providing short term car insurance policy. You can apply and purchase this policy online too. Online purchase helps you to avoid lengthy paper work and ensures faster processing.

Car Insurance 1 is a one-stop store to get the best short term car insurance policies in the UK. Along with giving you quotes of all leading insurance companies, Car Insurance 1 provides you real consumer reviews. This helps you to have a true picture of various insurance companies, their short term car insurance policies, advantages and disadvantages. You can compare short term car insurance quotes of different companies here and go for the insurer who matches to your need and budget.

Writing Sample 2-Unbound Growth Potentials for Indian Banking System

Banking sector has remained the backbone of Indian economy since independence. After the reformative measures of 1991, this industry has been undergoing major changes. Advent of hi-tech communication and information technology has facilitated growth in Internet banking, ATM Network, Electronic transfer of funds and quick dissemination of information between different branches. Marketing of banking services has undergone a sea change in the last decade. Marketing of banking services means organizing right activities and programmes to render right services to the right people at the right place, at the right time at the right price and with right communication and promotion facility.
There are some other factors which have catalysed the transformation. The entry of foreign banks and private sector banks has intensified the growth potentials in the Indian banking industry. Structural reforms have improved the health of Indian banking sector. The reforms include the enactment of the securitization Act to step up fast loan recoveries, establishment of professional asset reconstruction companies, initiatives on improving the pattern of recoveries from non-performing Assets (NPAs) and change on the basis of income recognition. These reforms have raised transparency and efficiency in the banking system.

The sudden swift in treasury income and smart loan recoveries has helped Indian Banks to have

record profitability. The following factors are likely to drive banking sector performance from in the coming years:

1. Credit growth likely to remain healthy at around 20-23% and deposit growth at 18% during the current five year plan.

2. The pressure on creating additional credit is now reduced. Banks can continue to cut deposit rates, the rate cut are likely to translate into better margins.

3. CASA ratios could stabilise and neutralise rate cut effects.

4. Non- interest income is likely to remain strong and third party product distribution is increasing.

5. Slowdown in retail credit, buoyant economy, rising wages and increased employment

opportunities provide a room for quality asset portfolio of banks.

The net non-performing loans to GDP have declined sharply to 1% in 2007 compared to 10.4% in 2002. A buoyant economy, higher profitability, and asset inflation will definitely strengthen balance sheet in the corporate sector and improve asset quality of the Indian financial and banking sector.

Writing Sample-1 Loan for Business: The Life Line of Growth

Expanding and taking business to the heights of success is a dream of every entrepreneur. At times, the entrepreneurs would require finance on an urgent basis to fuel this growth prospective. India is the developing one in the growth parameter and so is the Indian banking system. With the diversification of banking products specialised 'business credit', a unique lending facility for small and medium Businesses with minimal security has come into force. The available credit under these finance schemes can be extended up to Rs. 35 lakhs. No security pledging required for loans up to Rs. 15 lakhs and for higher loans amount the borrower has to provide only 25% margin in the form of a fixed deposit of the concerned bank.

These loans sometimes work like an overdraft and are available like a limit on the current account of the borrower. Interest is charged only on the actual amount utilised by the borrower. This credit comes with easy repayment options. The minimum amount due on the borrower every month is 5% of the outstanding balance. This amount can be withdrawn in the next month after deduction of interest. The documentation varies from loan plan to loan plan. In some loan plans you need to submit documents every month while some loan plans need one-time submission of the documents. The borrower can have the loan amount in his current account within days of the submission of complete documents and security margin, if applicable.

Some Indian banks offer loan for business up to a limit of Rs. 15 Lakhs in a completely unsecured manner. They require only 25% margin for above Rs. 15 Lakhs and up to Rs. 35 Lakhs. In such case the business loan facility is normally secured by the current assets of the borrower. Also a regular stock and book-debt statement needs to be given to banks on monthly basis for availing the desired cash in an uninterrupted manner. As long as the minimum amount due (5% of outstanding balance) is credited into the account on a monthly basis, the business loan offered by the Indian banks works exactly like an overdraft facility.

The loan for business can be utilised within days of approval of the application and submission of required documents by the borrower. However the interest calculation is somehow little bit confusing. In some loan plans the interest is calculated on daily balances while some charge interest on monthly basis on the actual amount utilised. The minimum amount due in case of many business loan plans is 5% of the outstanding or Rs. 1000, whichever is higher, is required to be credited to the account on a monthly basis. Repayment of the loan amount can be done with a cheque or cash deposit to the credit of the overdraft account.

With the loans for business the borrower receives an ATM card through which he can have round the clock, instant access to money by way of cash withdrawals across the country. The withdrawal amount is subject to the daily withdrawal limit per day on the ATM card. Terms and conditions for the issue / usage of the ATM card is done in accordance with the current account rules. Business loans are also open to firms and corporations to meet their operating expenses; to finance for capital expenditure / acquisition of fixed assets towards starting / expanding a business or industrial unit; and to swap existing high cost business debt from other bank / financial institution etc. Apart from providing the required bank can also issue letters of credit or can give a guarantee on behalf of the borrower to the suppliers, government departments for the procurement of goods and services on credit.

The Thakur Boy: MEET Mr. Thakur

The Thakur Boy: MEET Mr. Thakur

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