04.07.2014 Views

Costa Cálida Chronicle - Costa Calida Chronicle

Costa Cálida Chronicle - Costa Calida Chronicle

Costa Cálida Chronicle - Costa Calida Chronicle

SHOW MORE
SHOW LESS

Create successful ePaper yourself

Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.

The first walk of the season was held<br />

in San Juan de las Torreros on 17 th<br />

September with about 20 walkers<br />

enjoying the coastal route around that<br />

area. Lunch was held in a local restaurant<br />

after the walk and a brief discussion<br />

was held on basic points of humanism.<br />

The October walk was held on 22 nd in the<br />

La Majada area near Mazarrón with lunch<br />

at the end as usual in the local restaurant<br />

El Puente. The following day a group of<br />

members walked in the Race for Life at<br />

Camposol to raise money for the MABS<br />

cancer campaign.<br />

A new venture will be launched on Sat<br />

5th November with the first meeting of<br />

the Darwinian Gardeners. This is a club<br />

for gardening enthusiasts and will start<br />

with a visit to a wholesale gardening centre<br />

in La Majada meeting at 11am in the car<br />

park outside Restaurant El Puente for the<br />

short drive to the centre. Lunch afterwards<br />

in El Puente. There will be the opportunity<br />

to buy plants at the garden centre. We<br />

hope to have a separate web-page for the<br />

gardening club and this will be accessed<br />

through the bolnuevo.com website as is<br />

the evolutionist page.<br />

Dates for the future:<br />

November 19 th for a walk in the Almeria<br />

end of our group<br />

December 10 th for the Darwinian gardeners.<br />

Dec 17 th will be a walk in the Peñas Blancas<br />

again, organised by the Murcia side of the<br />

group.<br />

John<br />

Phone 968599437<br />

Would you go to a vet for a medical?<br />

With the on-going global economic crisis and<br />

the financial problems experienced by individuals,<br />

major corporations and industry sectors,<br />

there are many people who have lost confidence<br />

in the financial sector over the past few<br />

years. So when it comes to important issues,<br />

such as insurance matters, maybe it’s worth<br />

asking: “Should you deal with a bank or would<br />

it preferable to speak with a traditional broker<br />

or agent?”<br />

In the late 1980’s /early 1990’s many insurers<br />

who entered the Spanish market were promoted<br />

by banking institutions who used their<br />

branches and salaried employees to sell their<br />

insurance products. This led to an increase in<br />

the diversity of financial products sold, bringing<br />

about a slight financial advantage and significant<br />

market share to the banks. By the<br />

early 2000’s banks led the way in life insurance,<br />

where eight out of the top ten life insurers<br />

(in terms of premium volume), were affiliated<br />

with bank groups. Although a success, it<br />

did not translate to other core insurance areas<br />

(car, accident, health) where agents, brokers<br />

and insurers’ offices were more successful in<br />

contracting policies.<br />

Despite the success of banks, many customers<br />

in Spain have not been so impressed, citing a<br />

range of negative experiences, with complaints<br />

such as poor service, expensive premiums and<br />

slow waiting times in banks. Negative feedback<br />

highlighted cases where policies weren’t<br />

received by homeowners so they were left<br />

unaware of their cover. Also, there have been<br />

cases where the value of the property did not<br />

correspond with the mortgage and many others<br />

experienced problems making claims.<br />

In association with <strong>Costa</strong> Cálida International Radio and www.angloINFO.com<br />

Page 58<br />

Whether isolated incidents or not, for many<br />

people seeking to contract their insurance, going<br />

through a bank is not an option they wish<br />

to pursue. It may be due to a general lack of<br />

confidence in the banking industry as a whole,<br />

or the perception that banks have a lack of<br />

experience in insurance underwriting and that<br />

their expansion into unrelated products has led<br />

to expensive premiums. Whether this is justifiable<br />

or not, it may just come down to the<br />

fact that ultimately many people prefer to deal<br />

directly with a broker for a friendly, efficient,<br />

uncomplicated service. Customers want to<br />

feel confident that they are going to be offered<br />

expert, independent advice, tailored to their<br />

particular circumstances and at competitive<br />

prices; a service that can only be unique to a<br />

broker, such as Knight Insurance Brokers.<br />

For more information regarding insurance, contact<br />

Knight Insurance Brokers S.A. on 902<br />

28 28 20 or visit www.knight-insurance.com<br />

Please tell our customers where you saw their advertisement in the <strong>Costa</strong> Cálida <strong>Chronicle</strong><br />

To place an advertisement with us please see page 5 or contact Teresa 619 199 407<br />

www.costacalidachronicle.com email: costacalidachronicle@gmail.com

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!