NK master cylinders

The master brake cylinder is used to convert the pressure caused by the foot of the driver hitting the brake pedal into hydraulic pressure. This allows to push the brake pads against the drum or the disc (depending on what brake system the vehicle uses), that is attached to the wheel and thus slowing the car down.

Pressing the brake pedal pushes the primary piston through the bore of the master cylinder. This creates hydraulic pressure due to the brake fluid the master cylinder is filled with. That pressure moves the secondary piston forward. When the bypass holes are covered by the movement of the pistons, the hydraulic pressure increases and pushes the wheel cylinders. After the driver lets the breaks go, the master cylinder is refilled with brake fluid.

For safety purposes, the master cylinder controls two separate systems, each responsible for two wheels. If a leak occurs in one of the systems, the other will not be affected by it, and so the car will still be able to slow down.

NK master cylinders

The main cause of master cylinder failure is corrosion. Therefore, it is important to choose a product made of a high-quality metal, such as the ones offered by NK. NK master cylinders are covered with anti-corrosion coatings that ensure that they will function properly for a long time.

A malfunction of the master cylinder can be detected, if you notice a trail of brake fluid coming from your car. However, this could also indicate a problem with another component of the break system. Have your car examined by an experienced auto mechanic in order to discover the real problem, so you don’t replace the wrong part. If the master brake cylinder is damaged, the mechanic will install a new one. For a better and longer performance ask for a NK master cylinder.

Info provided by www.BestPartStore.co.uk

Mis-Sold PPI: The story so far

Payment Protection Insurance or PPI is a form of insurance policy created to allow the borrower to keep paying their mortgages and loans in case of unemployment, illness or other conditions that hinder the payment. PPI is usually purchased as an add on or a standalone policy and under normal conditions this policy is sound, however the application has been riddled with holes from issues with loans with mandatory PPI policies, case by case applications of the policy and disputes with refunds of unclaimed PPI. In most of the complaints brought to the ombudsman, the complainants didnt even know that they were sold the policy.

Investigations into these cases have found that the brokers who approved the loans were motivated to sell PPI because of the commissions they would get. They then began selling the insurance to their clients without the latters full understanding or need for the policy. In most cases of mis-selling, the policy became of no use to the buyers and has only given them headache, prompting a well merited future appointment with the financial ombudsman. Because of the unceasing complaints that have turned up, the City watchdogs (FSA) examined previous PPI sales, which led to a very interesting court battle. Among the many items that were found were:

Brokers describing PPI as a necessary add on to approve a loan
Brokers not properly explaining the policy completely
Payment Protection being sold to people who were already sick and unemployed
An estimated 16 million mis-sold PPI cases in the last decade

The alarming rate of these illegal activities and amount of evidence that showed up has led to the banks losing the case thus allowing many of mis-sold victims to get their money back. This victory meant that the lump sum and all consecutive payments with interest due to mis-sold PPI will be returned to the victims. If you’re currently under a plan with mis-sold PPI, all PPI payments will be returned and future payments plus interest will be cancelled.


If you were mis-sold or have reason to suspect your current or previous loans then you can rest assured that the ombudsman and the courts will be in your favour. Just remember to keep your documents ready, work with your local authorities and be patient with the process. You may also seek the help of a PPI info claims company, but they will be taking some of the money you receive.  It may take some time, but it may well be worth it as your claim may even be repaid with additional compensation.

A Game Plan for Your Insurance in 2013

It’s time to mark your calendar, whether it’s made out of card stock and hangs on the walls or if it’s a fancy web calendar, because it’s a new year, and it’s time to make sure that you have the right types of insurance once again. If you have a type of insurance that you don’t need or haven’t re-shopped your insurance policies, you could be wasting a lot of money. If you don’t have insurance that you do need, you could be putting yourself at a lot of risk.

Here are some steps to make sure that your insurance is ready to go for 2013 and beyond:

Check Up on Your Life Insurance – If you’re in relatively good health, mark a date on your online calendar to re-shop your life insurance quotes online. If you have whole-life, consider switching to more affordable term insurance. If you don’t have any children or have adult children that aren’t dependent on your income, ask yourself if you really need life insurance at all. If you have a wife and kids and don’t have any life insurance, you should beat yourself up, get a quality term insurance policy so that your family is protected.

Reconsider Your Car Insurance – If you have a vehicle and are paying for collision and comprehensive insurance, make sure that it actually makes sense to do so. If your vehicle is worth less than £5000, and you’re paying for these extra insurances, you should probably not be wasting your money by insuring something of such little value. If you’ve bought a new car and are only carrying minimal insurance, consider upping it.

Review Your Health Insurance – If you’re getting employer provided health care, you’re probably stuck where you are, but if you buy your own health insurance, you should probably go out and check and make sure you have the best health insurance. Not all health insurance companies are the same and there are some that are notorious for turning down claims, and there are others that provide great customer service, so make sure you’re with a good company by reading reviews of it online.

Eliminate Wasteful Policies – If you are paying for pet insurance, mortgage-life insurance, cancer insurance, or any other policy that most people don’t have, you might be insuring something that’s really un-necessary. If you get cancer, your health insurance will pay for the bill, you don’t need a separate policy that will pay your bills if you get cancer. It’s kind of like signing up for both Flickr and Facebook for photo sharing, they do exactly the same thing, so there’s not much need to do both.

Finally, you should check up on your home insurance policy. Make sure that it will cover the current value of your home. Although the market is down a bit, some have still appreciated significantly in the last 5 years, so make sure the dollar amount on your policy matches the value of your home.

How to avoid a travel insurance headache

Insurance is as necessary as your toothbrush when it comes to travelling overseas. It’s there to safeguard us against the unforeseen should we need it whilst hundreds of miles away from home. Sounds great, yet thousands of holiday makers fail to read the all-important small print on their insurance policies before jetting off to the sun, sea and sand?

We check our passports are in date and that we have our favourite pair of shoes packed; yet we fail to read what could end up being the most important piece of paper we’ll ever have.

We buy our holiday, we agree to travel insurance, and then just forget about it all. Insurance policies aren’t rocket science, and really can do exactly as they set out to do; we just simply need to make sure all angles are covered before splashing the cash.

To help you in buying a travel insurance policy that’s tailored to your needs, there are several points you need to consider first.

How much am I medically covered for?

Travel Insurance can vary a lot when it comes to medical treatment. As a standard rule of thumb, you should always ensure the policy covers you for a minimum of £2million worth of medical treatment whilst abroad.

Do I need personal liability cover?

Personal liability is a must have in an insurance policy. Look for no less than £1million personal liability cover to safeguard you should you be liable for any accidental injury or damage caused to another person and/or property. A good pointer whilst overseas is that, even though you may have personal liability cover, never ever admit liability; even if you are in the wrong. Instead names and address must be exchanged and forward to your insurer immediately. Personal liability cover really could save you from one great big headache.

Emergency Help-lines

It is highly recommended that your insurance policy contains a 24 hour emergency helpline; for in such cases that you should need to contact someone urgently.

Cancellation Cover

We can’t predict the future, and sometimes the holiday we have been so much looking forward too needs to be cancelled. If this was the case, would your travel insurance policy cover any lost costs? Cancellation cover on policies can vary from a small amount to a substantial premium; so always ensure there is sufficient cover to account for all costs for the whole family. Cover ranging from £3000 to £5000 should always be taken as standard.

Personal Belongings & Baggage

During the hustle and bustle of checking the whole family in at the airport, you can easily lose sight of a bag or personal item. Most travel insurance companies set a limit on how much you can cover for lost baggage; and generally can be in the range of £1500 to £2500. Choosing the right level of baggage cover is especially important if your luggage contains items of particular value. Maybe you have an invaluable necklace in your luggage? Does your policy have enough to cover the cost of this as well as clothing and personal belongings? A quick check can make a great deal of difference when it comes to recovering your costs.

Lost & Stolen Money?

Whilst we consider lost luggage and medical expenses, sometimes we forget about such circumstances should we lose our holiday money. Being stuck abroad penniless is not fun for anyone, so checking your insurance policy covers you for this could mean the difference between a great holiday and a holiday nightmare. At a minimum, your policy should cover no less than £500 for stolen or lost money.

Don’t be a victim to misadventure and mishaps whilst on holiday. Always, always check the small print before boarding the plane!

Compensation Culture Is Sending Premiums Sky High – What You need to Know

Compensation culture is becoming too much for the insurance industry. Instead of just having a society where people file claims when they honestly have a claim to file, you have people who are looking for a payday. Even if drivers really aren’t injured, there are personal injury claims flying around. According to statistics from the Department for Work and Pensions, there were 552,000 personal injury claims. That was in 2007 — in 2011, that number leapt up to nearly 800,000.

You might think that insurance companies actually have procedures in place for this, but there are loopholes. Indeed, the number of claims for whiplash — the neck injury commonly thought of when it comes to automobile accidents.

Whiplash is hard to detect for abuse, because there’s no way to see it on an x-ray or another scan. They have to take the patient’s word for it.

This type of insurance fraud — among others — costs the industry 2 billion pounds a year. This adds about 44 pounds to every consumer’s premium. This has had a heavy effect on insurance premiums for young people. They have risen 64% in the last year alone.

You want to make sure that you don’t inadvertently contribute to the problem of insurance fraud. Don’t just file a personal injury claim for the sake of getting easy money. It bites everyone on the rear in the long run through much more expensive premiums than before. The average claim per person runs at nearly 5000 pounds!


Claims companies can also prowl you, looking for anything that could have you pursuing a claim. Don’t fall for it. Even though you don’t have to prove that you’re actually injured, the reality is that this still hurts the industry at large.

The compensation culture doesn’t just start with you though — the insurance companies themselves have a problem here as well. Some insurers even give out insurance claims to third parties such as solicitors and credit hire companies, making it very tempting for those companies to turn around and contact you. There’s a lot of money being circulated through this problem, and it’s time for lawmakers to put a stop to it.

We would be remiss if we didn’t mention the top way that people commit to the fraud cycle.

Let’s say that someone runs straight into the back of your car. It’s clearly not your fault, so the other party’s insurer has to pay for the damage to both cars. The police come up at the scene to deem one or even both cars unfit to drive. The vehicle recovery lorry come sand takes them away to the police pound. Who profits?

If you said the police, you would be right. They receive a referral fee from the recovery company for the work, from about 25 pounds per referral. That can add up.

There are a lot of hands in this industry, and only time will tell whether or not the average consumer truly gets fed up enough to take massive action in pressuring policymakers. We just figured it would be best to inform you of what’s going on.

Either way, you’re going to need insurance, and this is even more timely: shop around. Seriously — trying to just assume that everything will be fine is a losing battle. Educate yourself, and go from there — always!

Top Life Insurance Tips

Building up your savings is not something that happens overnight, it takes time. Sudden death can mean that your family’s savings can be spent almost in an instant. It therefore makes a lot of sense to put safety nets in place to protect your family’s finances.

The best way to decide whether you actually need life insurance is for you to imagine what would happen to your family, if your income was no longer there as the worst had happened to you.

Here are top 9 tips to take into account when buying life insurance.

1.    Buy enough cover. Your mortgage will probably be your biggest debt so you need to cover that. Additionally to that you should provide at least £150,000 for every young child you have. This will increase significantly if you want to put your children through private schooling.

2.    Watch out for terminal illness cover on life plans. This will pay out the sum assured if you are diagnosed with a terminal illness and have less than 12 months to live. All the policies offered by Click automatically include terminal illness cover.

3.    Consider two single life policies instead of one joint life policy which can only payout once on the first claim. Two single life policies effectively provide double the cover for couples. A joint life policy will not leave the surviving partner with any cover later in life. With their own single policy they are still insured.

4.     Ask your insurer to write your policy in Trust. Under current Inheritance Tax Legislation, for every £100,000 of life assurance you will have a potential £40,000 tax bill if your estate exceeds the current inheritance tax threshold. Writing your policy in trust only requires you to complete one extra form and the insurance company will do all the rest for you. Your insurer will also provide this service free of charge.

5.     The sixth most common cause of a claim under the critical illness cover, relates to children. (Critical Illness cover is commonly added as an optional extra to a life insurance policy. This cover can also be bought as a stand alone policy). If you are going to add critical illness cover, make sure the policy also includes cover for your children. Most critical illness provisions automatically include £20,000 cover for each of your children. Check it out.

6.    Critical illness policies will only pay out for the serious medical conditions listed on the policy. So always carefully read the policy documents carefully and understand what’s covered before you buy.

7.    Your sum assured should increase as your mortgage or family does. So if you have what’s called a “guaranteed insurability option” included on your policy, use it! With this option, you have the right to increase your cover at certain stages in life, without any further underwriting. This means that if your health has deteriorated since you first bought the policy, you can still increase your cover. This comes in very useful when for example, you get married, you buy a new home or a child is born.

8.    Don’t over-insure yourself. Take into account how much cover you already have. Remember, many employers include life insurance cover within their employee benefit packages. They may also income protection and critical illness insurance. Life insurance may be called death-in-service benefit, while income protection can be called long-term disability benefit or permanent health insurance. Check out you contract of employment.

9.    When you complete your life insurance application form make sure you disclose everything remotely relevant. If you are in doubt, especially if it is medically related, tell your insurer. If you conveniently “forget” to mention even a minor health issue it could have devastating consequences later on. If there is a claim, the insurance company always makes extensive inquiries to verify the claim and this could turn up significant problems due to non-disclosure. Whether it is smoking habits, a bad back or occasional pins and needles, make sure your insurers know.

The Inner Workings of a Trust Deed Are Designed To Help You When You Need It Most!

If you look at the inner workings of many debt relief solutions, you will actually see how they’re designed form the ground up to help people when they really need help the most. Chances are good that if you’re reading this right now, you’re not someone that has a lot of options. You’ve found yourself in a world of financial trouble, and you are trying to take responsibility for it. All you know at this point is that there’s no point in beating yourself up — what’s done is done. There’s no going back to that point — only moving forward. In this vein, the trust deed program can help you get back on your feet…if you allow it to.

If you look on sites that are trust deed related, you’ll find that many of the steps involve you. You will have to disclose your assets, and realize that many of them can indeed be seized in order to pay for your debts. You will also have to deal with the fact that you will not have some of the luxuries that you were once accustomed to. It might be bare bones living for a while, but a better financial future could be waiting for you. If you don’t reach for that, will you ever have a chance at getting what you really want?


During the trust deed agreement, you will not be able to reach for credit in any way, shape, or form. It will be cut off from you. Think of it as a time to really get to understand credit and personal finance. You might not be able to use credit cards, but you can open a savings account and save for the emergencies that come up in life. Isn’t that more important than anything else, anyway?

At first glance, 36 months might sound like a lot of time. But you have to step back and ask yourself how long you’ve been struggling with your bills. Many people have spent twice that much time worrying about the bills and dealing with high interest debts. It’s time to get rid of the interests, stop the phone calls and avoid further legal action being taken again you. Now is the time to embrace a new financial future and it starts by looking into the trust deed system. Trust us; it’s definitely worth it in the long run. Good luck!

Pet Insurance

Getting pet insurance could be the best move you make to ensure that your pet is properly looked after. No one knows for sure how many pets there are in the UK. In fact, there are no official figures according to the Department for Food, the Environment and Rural Affairs (Defra). However, figures from the Pet Food Manufacturers Association show that in 2004 there were some 6.8 million dogs and 9.5 million cats.

In addition, in 2001 there were more than a million rabbits, and almost a million hamsters and guinea pigs. That’s a lot of pets, without taking account of the millions of lizards, snakes and rodents. It’s almost inevitable that a pet will become ill at some time, and vets’ bills can be costly. That’s why it’s a good idea to get pet insurance.


What Is Covered?

So, what does pet insurance cover? Well, it depends on the policy. However, these are some of the areas that pet insurance policies commonly cover. One of the most important is vets’ bills. If your pet needs tests or an operation or has to stay in hospital for several days, most of these expenses will be covered by the right pet insurance policy. Some of the medication may be covered as well. However, if your pet has a condition that predates the start of the policy, this may not be covered. That’s why many people get insurance when their pets are young and healthy. It usually pays off in the long run.

Pet insurance may also pay out in case your pet has an accident or injures somebody. Look out for third party liability or accidental damage as part of your pet insurance policy. If you need to go on holiday, but suddenly have to cancel because of circumstances affecting your pet, then this too may be covered by a suitable policy. Some policies even cover the cost of sending your pet to a boarding kennel, cattery or other pet care facility.

One of a pet owner’s worst nightmares is that a pet may wander off and become lost or that someone might steal a pet. This can be covered by a pet insurance policy, which can also make provision for the cost of advertising your loss and offering a reward for your pet’s return. Finally, you may also get death benefit when your pet passes away, in a similar way to a life insurance policy.

Home Insurance

Whether you own your home or not, it makes sense to have some sort of home insurance. You may think that your possessions are not worth that much or that nothing will ever happen to you home, but the truth is that you just don’t know.

The UK has seen hurricanes and excessive flooding which has resulted in property damage in many areas. Burglary can result in the loss of some of your treasured possessions. In fact, some statistics show that a third of us are affected by this crime. That’s why it makes sense to insure your home and contents against loss or damage with Halifax home insurance.

Home insurance can take many forms, with different policies available for homeowners, landlords and tenants. In order to get home insurance you will need to supply the landlord with information about the building you are insuring. That might include when the building was constructed and what forms of security exist, such as a protected entrance or a home alarm system. This will aid the insurer in determining how much risk there is to your property and in setting the insurance premiums that will apply.

Types Of Home Insurance

Buildings insurance is one form of home insurance. This covers the rebuilding cost of your home rather than its market value. That means the level of insurance cover is based on how much it would cost to construct your home again from scratch.

A buildings home insurance policy may also cover your home against damage through vandalism, natural disasters such as storms and floods, subsidence, water leakage and fire. It is best to check exactly what is covered by your particular policy.

Contents insurance can cover anything that is not part of the building. While some home insurance policies cover both buildings and contents, there are also contents insurance policies as part of landlord insurance or standalone contents policies for tenants.

Contents insurance can insure your household goods against damage from fire, natural disasters, vandalism, theft and accidental damage. Some contents insurance policies cover your garden plants as well, while others include cover for items such as mobile phones and laptop computers that you use away from home.

There is a wide variation in what may be covered by a home insurance policy, so shop around for the best premium and the best level of cover. Make sure that you insure for the full replacement value of your possessions (or get new for old cover) and watch out for the excess figures

Cover your dog against accident, illness and death

Unexpected vets fees for accidents or illness can be crippling. The average cost of veterinary care in the UK for Dogs is estimated to be £300 per year, with 1 in 26 people spending over £1000 per year on their dog. Make sure you are fully protected and covered when it comes to your dog, so you have no nasty surprises after their treatment.

Dog Insurance is a simple and cost effective way to protect and safeguard your dog from any accidents, injuries, straying, theft or even death. If your dog has an accident or becomes ill the last thing on your mind will be the cost; make sure you are fully insured against vets bill and other costs. With one in three pets needing veterinary attention in their lifetime, can you afford not to have your dog insured?

Dog Insurance works in much the same way as health and life insurance for humans. Each month or year you pay the Insurance provider a premium for the cover and you receive an insurance certificate for your dog. If you dog falls ill or becomes injured you can take your dog straight to the vet for treatment. Assuming your policy covers you for the treatment received then the Insurer will pay out to either the Vet directly or yourself (to pay the vet) after you make a claim.


There are lots of different dog insurance policies on the market and it is important to make sure that you get the right one to suit your dog and your lifestyle. Policies vary the amount and type of things they cover so it is always very important to check out the insurer first before taking out a plan. Some policies and premiums are dependent on the age of the dog, its sex, its breed and even its pedigree. All insurers will look at each dog differently, making sure you get the right cover for your pet.

What is covered?

Accidental Injury ?

Dogs are inquisitive and playful creatures so you must always remember there is a good chance that they may become injured accidentally. Make sure your policy covers accidental injury and the payout for the treatment is realistic to your breed of dog.

Injury to someone else?

It can happen, Dogs can sometimes cause injury to other people, other pets and other animals either directly or indirectly. Make sure that your policy covers third party damage and injury so that you are covered just in case. Also look out to see if your policy covers 3rd Party legal cover, as if a case goes to court you don’t want the added expense of legal fees.

Gone Missing?

Many insurers understand how important a pet is to the family and understand how devastating it can be if you beloved part of the family goes missing. Many insurers now offer the option so that if your pet does do a disappearing act they will cover the costs of “missing posters”, “rewards” and other general advertising to get your pet back home quickly.

Illness?

Any dog, like any human can become ill at anytime of their life, and sometimes more than once. It is very important to check how much your insurer will cover you for illness if your dog becomes unwell. It is also worth investigating if your policy limits you to a certain claimable value or number of claims per year or lifetime of your dog. Veterinary bills for ills can be very expensive so make sure you get the biggest cover you can afford.

Every policy is different and cost of each all vary. It is very important to think about what type of cover you want and what you can afford. It is also important to remember that is better to get dog insurance sooner rather than later, as unexpected accidents and illness will happen when you least expect or even worse still, least afford them to happen!

Think about what your dog is like, are they likely to get inured or ill? What is the breed like as it grows older, are they susceptible to illnesses as they mature? Do your research on your dog and make sure you choose a policy right for your circumstances.


Policy Choice Checklist

Affordability

Make sure you can afford the monthly payments, a missed month normally means that policy becomes void and the insurer or other insurers may be unwilling to re-insure your dog.

Suitable cover

Does the policy cover what you need for your dog? Price and affordability is important but it is just as important to make sure the have the right cover for your dog.

Excesses?

Check your policy to see if the insurer requires you to pay any excesses on any claims (an excess is the amount of the claim that you must pay yourself first before the insurer pays the balance – this is to deter from people making continual small claims).

What wont they treat?

It is important to check to see if there is anything that the insurer will not cover. Check to see if there are any treatments or illnesses for your dog that they will not insure for. Better to know now, rather than later!

Overseas

Taking your pets abroad is now becoming more and more common, but does your insurance cover your dog whilst they are in another country? The last thing you want on your holidays is the added expense of foreign bills, especially if you have adequate UK cover. Check that your insurer will insure you and your dog when you travel abroad.

Claim limitations?

It is always worth investigating how often you can claim. Some dogs can develop problems or long term injuries that may need a lot of treatment. Check to see how often, how much and for how long you can make claims for.