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Protection for Online Shoppers

Over 10 million Australians made an online purchase during 2012, according to research from eMarketer.com. Consumers throughout the world are drawn to ecommerce shops, auction sites, and daily deals websites for the convenience, savings, and novelty that they provide. Yet despite this convenience, there is the unfortunate potential of identity theft and scams. Before parting with your hard earned money, it’s worth taking a closer look at each website to ensure that it has proper security measures put into place. Another way to protect yourself when shopping online is to consider taking out protective insurance.

Shopping from Reputable Websites

One of the most common types of scams that can strike online shoppers is identity theft or credit card fraud. If a stranger gets hold of your credit card details, they can cause damage quickly. There are a couple of ways to combat this. One way is to only sign up for apps from reputable websites like Quicksales.com.au, and shop on well-known websites. The best auction sites like Quicksales will have strong anti-scamming and security features put into place. Shopping on heavily advertised websites like Quicksales or eBay is one way to protect your personal information and avoid being scammed.

Types of Credit Card Fraud Insurance

Another option is to take out insurance specifically designed to protect you from credit card fraud. One type of insurance is a Zero Liability Guarantee, which means that you won’t be held liable should any unauthorised transactions take place using your card. When you take out this type of insurance with your credit card company, you’ll usually need to agree to report your stolen card details as soon as possible. If you don’t report unauthorised transactions within the agreed upon time frame, you may lose your protection.

Rather than choose a credit card with a Zero Liability Guarantee, you can also look for Secure Identity insurance which allows you to cancel affected cards, arrange for replacements, and help you with police claims. If your identity is stolen, Identity Theft insurance can help you with a cash advance for emergencies and may cover the cost of replacing stolen items. Secure Sentinel is one Australian insurance company that offers this type of insurance.

If you’ve purchased an item online that comes with an Australian warranty, you may be able to extend this policy using extended warranty insurance. This is useful when purchasing electronic items in particular. Finally, purchase protection insurance covers online purchases against loss, damage, or theft, provided you use a credit card for your purchase.

General Protection Tips

In addition to considering taking out this type of insurance, you’ll want to stay on top of any use of your credit cards. Check with your credit card company to see if they offer any shopper protection insurance. Shopping on reputable sites and checking your credit card statement regularly is the best way to prevent these damages.

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Posted 1498 days ago
They look at both the credit raitng and the driving record as well as many other things. Each company has it's own system as to how much each factor counts. I would guess that a driving record is of greater importance than a credit score http://nxunxxco.com [url=http://aafiuz.com]aafiuz[/url] [link=http://vutqeviojcj.com]vutqeviojcj [/link]
Posted 1501 days ago
Bad credit is not as irtnmpaot as driving record but after your age it is probably the largest factor in determining your rates. The insurance company looks at factors that indicate how big a risk you are. How likely are they to have to pay a claim? To begin with poor credit indicates irresponsibility. Irresponsible people are more likely to have accidents. Also, it's not the credit score itself but rather credit score as an indicator of income level. They use credit score because they can't ask you to file a financial statement or at least it would be too much trouble to read it. Credit score is simple. Poor people file more claims than richer ones because they can't afford to repair some things on their own, poor people are more likely to exaggerate damage and injuries trying to make a few extra bucks, and in extreme cases are more likely to commit outright fraud, staging accidents and destroying their cars. http://epqbmjvnale.com [url=http://ubezlmu.com]ubezlmu[/url] [link=http://djvlipxdkx.com]djvlipxdkx[/ link]
Posted 1501 days ago
The basis of this practice, is that, the inrdstuy feels those that have poor or less than average credit ratings, are a risk as drivers overall. Just like how they separate the young male driver, under 25, that their statistics have shown that they cause more wrecks than the norm. I feel the stats for young men is probably pretty accurate, most teenage guys can't wait to get the fastest car they can afford, and they do tend to get into more trouble then the norm. I do not understand how your credit rating should effect your driving skills. Many people suffer a bad credit hit, without cause on their part. Someone may have cancer, for example, payments for treatment are huge, and naturally all your medical bills could back up, causing late payments. To say that, because of a medical situation, I have to pay higher insurance rates, is totally asinine! This regulation should be changed, I totally agree.
Posted 1504 days ago
I told my kids we'd play after I found what I nedede. Damnit.