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Insurance is vital to a free enterprise economy. It protects society from the consequences of financial loss from death, accidents, sicknesses, damage to property, and injury caused to others. The person seeking to transfer risk, the insured (policyholder), pays a relatively small amount, the premium, to an insurance company, the insurer, which issues an insurance policy in which the insurer agrees to reimburse the insured for any losses covered by the policy. Insurance is the process of spreading the risk of economic loss among as many as possible subject to the same kind of risk and is based on the laws of probability (chance of a given outcome happening) and large numbers (enables the laws of probability to work).There are many perils (causes of loss) that society faces, some natural (e.g., earthquakes, hurricanes, tornados, flood, drought), some human (e.g., arson, theft, fraud, vandalism, contamination, pollution, terrorism), and some economic(e.g.,expropriation, inflation, obsolescence, depressions/recessions). Insurers are able to provide coverage for virtually any predictable loss.

Early History
Concepts of insurance evolved thousands of years ago. The Chinese, for example, divided their cargoes among many boats to reduce the severity of loss from the perils of the seas, while the biblical story of Joseph and the famine in Egypt illustrates the storing of grain during the seven good years to relieve shortages during the seven years of famine. Marine insurance emerged in London when ships sailed for the New World. Fire insurance arose from the great fire of London in 1666, in which 14,000 buildings were destroyed. In 1752 Benjamin Franklin founded the first mutual fire insurance company in the United States, the Philadelphia Contributorship for the Insurance of Houses from Loss by Fire. In 1759, he helped establish the first life insurance company, now known as the Presbyterian Ministers Fund. In 1887 the first auto-liability policy was written. Advancing technologies and a dynamic marketplace constantly change society's insurance needs. The insurance industry's goal is to respond to those needs with available and affordable insurance.

http://www.theinsurancecos.com/

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7. The Magazine Group

The Magazine Group offers you great savings on nearly 400 of the UK's leading titles. Enter a magazine name or keywords into the search box above or browse the links on the left and right to find the perfect subscription for you.

Who are The Magazine Group?
We work with the UK's best magazine publishers to give you a fantastic choice of magazines, at the best prices.

Why have I received this offer?
As you are someone who enjoys a really good, intelligent and entertaining read, we thought you'd like to see this selection of top quality magazines.

Who will send me my magazines?
As soon as your order has been received you will be sent an acknowledgement letter from The Magazine Group. This letter will give you full details of the publisher who will send you your magazines, as well as your Customer Service contacts should you have any queries during your subscription. You will also receive a welcome letter from the publisher of the magazine/s you have ordered.

http://www.magazine-group.co.uk

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Arts and books, Business - finance,Business - legal, Business - management,Business - media, Business and professional,Children and parenting, Computer games,Computers - general, Computers - internet,Computers - macintosh, Cross-stitch and embroidery,Current affairs, Design,Education, Food and drink,Gardening, General interest, Health and fitness,Hi fi and DVD, History and Heritage,Hobbies and pastimes - collecting, Hobbies and pastimes - crafts,Hobbies and pastimes - modelling, Home interest,Housebuilding and architecture, Languages,Men's interest, Motoring - caravans, Motoring - classics,Motoring - general, Motoring - motorbikes, Motoring - motorsport,Movies, film and TV, Music, Personal finance,Photography, Science,Sport - general, Sports and leisure - angling, Sports and leisure - boats and yachting,Sports and leisure - cycling, Sports and leisure - equestrianism,Sports and leisure - shooting, Transport and rail, Travel, Women's interest - fashion,Women's interest - general, London Review of Books,The Economist Newspaper, The Week,Time, Men's Fitness, New Scientist,Newsweek, BBC Good Food,Bloomberg Money, Conde Nast Traveller,The Economist Newspaper, BBC Gardeners' World Magazine,The Week, House & Garden,eve, Good Housekeeping,delicious, Time,New Scientist, Men's Fitness,Magazine-group.co.uk, magazine-group,magazine group

8. UK Car Insurance, Motor Insurance, MotorQuoteDirect.co.uk

UK Car Insurance with MotorQuoteDirect. Quote or buy cheap car insurance with instant online cover in the UK.

MotorQuoteDirect, based in Wimbledon, London, SW19 is a UK car insurance intermediary and has been offering customers uk car insurance at competitive rates and from an extensive panel of leading UK insurance companies since 1965. We deal in all types of insurance, however we have special rates for classic car insurance, vintage cars, and high performance car insurance. We can also arrange insurance for commercial risks including property, stock, liability, vehicle fleets - for any size of business or indeed any type business looking for insurance in the UK.

With our online insurance quote service, our highly trained customer services team are waiting behind the scenes, should you need assistance.

Low cost, UK car insurance has never been easier!

http://www.motorquotedirect.co.uk

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UK Car insurance, motor insurance,van, bmw,mercedes, vw,audi, ferrari,porsche, ford,motorcycle, UK,skoda, lexus,volkswagen, vauxhall,bentley, cheap,budget, insurance companies,motorquotedirect.co.uk, motorquotedirect,motor quote direct

9. UK Shopping, Brand Shopping, Product Shopping.

eDirectory.co.uk plc is the UK's leading independent online shopping centre (www.edirectory.co.uk). We bring together approximately 500 online retailers with tens of thousands of customers, in our secure and vibrant centre. eDirectory also provides "private label" shopping centres to major third-party websites (e.g. www.thesun.co.uk/shop). eDirectory's shopping centre client list includes Times Online, The Sun, AutoTrader, handbag.com, News of the World, among numerous others.

eDirectory itself holds no stock. We are not the actual retailer, we are the "facilitator", bringing shoppers together with the retailers. We provide a central environment where shoppers can browse and buy from hundreds of retailers (potentially purchasing from multiple retailers using the central eDirectory shopping basket). The individual retailers handle the fulfilment of the customers orders. Since eDirectory itself holds no stock, nor has any warehousing and fulfilment concerns we are able to concentrate our resources on superb customer services and in constantly improving the range and quality of products for sale from our retailers.

eDirectory has built this vast and fully searchable product database, along with our own leading-edge shopping basket technology and a sophisticated online "back office" system. So, once a customer order is received, the back-office system gives eDirectory retailers full, secure online access to all the details of the customer and their order. It allows them to process all their incoming orders, and simply charges the retailer a small commission on the sale.

"Private label" shopping systems are available to any large web-based businesses wishing to earn additional revenue from their existing site visitors. Such "host" sites benefit from eDirectory's extensive database of products and our shopping basket and back office system.

http://www.edirectory.co.uk

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