Why go fishing sharks

Why go fishing sharks

Like a lion to the meadow, the shark is undoubtedly the predator of a dark and haunting king of the sea. Just look at a nice old-fashioned Jaws movie and you’ll feel the spine amused. So why on earth would anyone look for a Cape Canaveral fishing pole to catch a shark?

Looking for Thrill

 

Anyone who links the shark in the mouth and pulls a thick, chewy tail onto the boat deck can tell you that catching a shark is a final adrenaline rush. In addition, catching sharks successfully is not an easy task, so there is a sense of awe and serious accomplishment that can come from shark fishing.

Hunting Trophy Why go fishing sharks

In the state of Florida, there is a list of sharks that are abundant and legal to be captured and killed, such as nurse sharks and thresher sharks. Catching sharks for the purpose of turning them into a taxidermy trophy can be a top accessory for the highest human caves at home.

Conservation

National Marine Fisheries Services (NMFS) is sponsoring the Cooperative Shark Naming Program (CSTP). This is an opportunity for recreational fishermen, who only want to practice shark catch and shark methods, to work with NMFS to help study sharks by tagging them when caught.

Yellow, plastic, dog ear inserted through the first dorsal fin by using a needle. While this may sound painful, it is actually thought that sharks can not feel physical pain, at least not well.

Shark tagging helps marine biologists and scientists at the National Marine Fisheries Service to better record and track migration habits and the life cycle of shark species. Why go fishing sharks

If you are interested in tagging some sharks, or maybe you just want to feel the sensation of good catches and discharges, then you should check out some Cape Canaveral fishing rods to see which shark’s options are out there, wait for you

Whatever You Include When It’s Necessary to Learn about Markers

Whatever You Include When It’s Necessary to Learn about Markers

In many ways, markers are generally great purchases. They can be expensive and in addition they can ignite your current attention that will connect you with being confident. However, tip how to find a marker that you will like? Keep reading and you can learn to get it done right.

 

Consider the maturity of this child whenever actually buying a new weapon. Small weapons are usually a threat aimed at very young children who clearly manage everything in their lip area. Make sure the fresh gun tends to stay away from the kids. Weapons that can be designed for older children can certainly infuriate the young. Whatever You Include When It’s Necessary to Learn about Markers

A big gun should be protected in addition to fun. With regards to teenagers, look for weapons that will show all of these safe practices in addition to reliability. You will find firearms that can shoot reliably if the appropriate trigger is usually pushed. Children usually learn to enjoy themselves simultaneously. Learning to play is the leading education and learning. Whatever You Include When It’s Necessary to Learn about Markers

Bring your little teenager to get weapons by providing your used gadget weapons that he can use. Any firearms played along with non-lethal main points are usually a favorite. Your child can easily experience creating goals. A number of gun puppets have a target so your child can certainly shoot smaller items.

Make sure the label is about firearms. Currently, you do not need to find many pistols made with toxic elements like these decades. Although, there is a possibility of a number available. Most of these weapons can harm your children, should he or she swallow some of them.

Bring your sons or daughters together while searching for their own weapons. Unless of course you already know exactly what they really want, predict where the weapons they will enjoy will be beaten and missed. This might make sure they find one thing they can definitely enjoy. Next, make sure you are not wasting your hard-earned money almost the same as a gun that will not be given.

In the case of almost any rifle you purchase for a children’s function using a power pack, make sure you take it out after your adolescence with him. You will be surprised how simple the baby is just to adopt the power supply from a new rifle on a piece or chew it up. It is simply impossible to let them have a chance to achieve this. Whatever You Include When It’s Necessary to Learn about Markers

Find a good gun to give back the procedure. Create an understanding of the type of weapon that will be the same as the teenager. By studying your store’s change coverage, it will save you a lot of trouble.

What Chocolates and Peanut Butter Can Teach You about Growing

What Chocolates and Peanut Butter Can Teach You about Growing

“Growth is never coincidental: This is the result of the forces that work together.” James Cash Penney Remember the ads for the Peanut Reese Peanut Cake in which someone will shout, “Hey, did you get your chocolate in my peanut butter?”?
By the time the accident happened, the two men were confused. But then the magic. They feel the result – and bam, it is a marriage made in heaven. One of the great ad campaigns of all time. What Chocolates and Peanut Butter Can Teach You about Growing

Some of the best things in life come when two seemingly unrelated items come together. Right in life and really in business. It goes by many names: partnering, co-branding or co-ops. No matter what you call it, it can be a life saver and a smart way for both businesses to come forward and support each other in the process.

There are so many benefits – this can save you money, improve perceptions about your brand and, of course, grow your business.

If you are thinking of diving into co-branding waters, here are a few things to keep in mind:

1. Understand your market. Who are you selling goods or services? Are you a business-to-business, or business-to-consumer company? Dig a lot to focus on your precise customers. Once you feel good for this, start exploring other local businesses that can complement your efforts to reach and serve that customer.

2. Partner prospective research thoroughly. Evaluate carefully and understand the vision and mission of potential partners to find win-win. Identify all businesses that will be earned from return on their investment.

3. Develop a plan. Create specific goals and actions and set responsibilities with deadlines. Stock expectations Identify strengths and identify the best way to apply them to the business. Put metrics in place to measure progress. Create an agreed exit strategy. Keep the lines of communication open and flowing.

4. Reduce risk. Of course, whenever you partner, there are risks. To reduce it, choose a partner with deep synergy, who has the same value, and who best complement your business. Also, pick a partner who is already a leader in their niche. And maintain full consent and the right of rejection, and protect the trademark logo and trademark integrity.

5. Review the results regularly. Take the time to assess whether the partnership is achieved – or at least move toward – the goal. Results and achievements rarely happen soon. If your expectations are not met after the right time, look for alternatives.

6. Complete an early argument. Yes, disagreements will happen, but handling early and quickly will help keep the ship running. Never let a bad feeling fester by clarifying that both partners can approach the other at any time. You should consider regular sit-down scheduling to clean the air. Once a week is a good place to start.

Let me hear from you What co-branding partnership impress you? Is short-term partnership a good choice for small businesses? Do you have potential co-branding partners in mind for your business? Do you have a clear purpose for a potential joint-brand campaign? What Chocolates and Peanut Butter Can Teach You about Growing

Frequently Asked Questions about Homeowner Insurance

Frequently Asked Questions about Homeowner Insurance

Owning a home is part of an American dream. Protecting it from unexpected accidents or natural disasters is one of the reality of home ownership. Before purchasing homeowner insurance in Santa Maria, CA, or where you come from, it’s important to learn the facts about homeowners insurance in order to choose the right type of coverage for your home. Read on to get answers to some of the most frequently asked questions about homeowners insurance.

Frequently Asked Questions about Homeowner Insurance

 

What is Homeowners Insurance?

 

Homeowner’s insurance, also called hazard insurance, is a type of insurance policy that protects the home and its contents against potential hazards, damage, or emergencies. This type of insurance usually covers the cost of restoring damage caused by natural disasters, water, or fire and loss of personal property due to theft or destruction.

 

Do I need to buy a homeowner’s insurance policy?

 

Unlike car insurance, homeowners are not legally required to purchase a homeowner’s insurance policy. However, most mortgage lenders require homeowners to purchase the minimum amount of insurance coverage before issuing a loan. If you have your home free and clear, you are not required to bring homeowners insurance.

Frequently Asked Questions about Homeowner Insurance

What are the Different Types of Homeowner Insurance?

 

Since each house is unique, there are several types of homeowner insurance policies designed to meet your home specific needs. Here are some of the most common types of homeowners insurance policies:

Straight replacement coverage: This policy gives you a set amount of money to repair or rebuild your home.
Coverage of guaranteed reimbursable cost: This policy provides the funds needed to completely replace your home regardless of the rise in building costs, inflation, or policy limits.
Flood insurance: This policy provides the funds needed to repair or replace your home if it is damaged by flooding. Standard homeowners insurance policies do not cover water damage caused by waterways or dams.
Earthquake Insurance: This policy provides the funds needed to repair or replace your home if it is damaged or destroyed by the earthquake. Standard homeowners insurance policies do not cover earthquake damage.
Life insurance mortgage: This policy provides the necessary funds to pay off mortgage loans at home in case of death of the home owner.

Frequently Asked Questions about Homeowner Insurance

What Coverage Do I Need?

 

Since your home is the biggest and most important asset, it is important to purchase adequate insurance coverage to protect it completely against any kind of loss. Most insurance providers recommend buying a policy at least 80% of your home and personal property replacement value indoors. Purchasing additional coverage is highly recommended to ensure your home is properly protected.

 

What factors affect the homeowners insurance premiums?

 

Premiums are the annual cost of your insurance policy. The following factors may affect the cost of your homeowner’s insurance premiums:

Features: The age and characteristics of your home including the type of structure, roof, and cable, can all affect the cost of premiums.
Location: Insurance rates may be affected by a particular environment or location that is likely to be exposed to extreme weather.
Protective devices: Smoke detectors, alarm systems, fire extinguishers, sprinkler systems, and deadbolts can lower insurance premiums.
Personal factors: Smokers and individuals with a good credit history may be eligible for a lower insurance premium.
Claim history: Individuals with a history of homeowners’ insurance policy claim may pay a higher premium.

 

Frequently Asked Questions about Homeowner Insurance

What items are excluded from the homeowners insurance policy?

 

When shopping for homeowner insurance in Santa Maria, CA, it’s important to understand that the most comprehensive policies have certain restrictions and exceptions. Some of the most common items excluded in homeowner insurance policies include cars, motorhomes, ships, business properties, and pets. Some policies may also provide limited coverage on weapons, jewelry, and silver. Consult an experienced insurance agent can help ensure that you find the right policy for your coverage needs.

What is EHIC Cover in Estonia

What is EHIC Cover in Estonia

Emerging from the shadow of the Soviet government, Estonia entered into itself as a popular holiday destination. Despite having a Russian connection, Estonia shares geographically and historically with Latvia and Lithuania. Europe has embraced the newly confident Estonian and has fallen in love with the stunning cities and stunning countryside.
If you are planning a trip to this unique part of the world, along with your passport remember to pack your European Health Insurance Card (EHIC). Since Estonia is in the EU, it has reciprocal agreements with the UK on health care, but just like every other EU country has different rules about what health care is, then Estonia. That’s why, even if you have a valid EHIC, it’s best to get insurance as well. While traveling with family, family travel policy is definitely recommended.

What is EHIC Cover in Estonia

What is EHIC Cover?

Only private insurance, whether it be individual or family travel policy, will cover private medical care in Estonia. If you are relying on your EHIC, you must access a contracted practitioner to the Estonian Health Insurance Fund (EHIF). EHIF has a phone number that you can call from the UK before you travel for more information (00372669663), and there is an excellent EHIF site that provides information in English.

Visit a Doctor or Dentist

If you visit a family doctor or general practitioner in Estonia, you will receive your consultation for free. However, if you or your family members need special care, you need a referral and will be asked to pay some maintenance fees. This is non-refundable if you only have an EHIC. If you have an adequate family travel policy that guarantees you comprehensively, you should be able to reclaim the money you have paid.

Home visits from GP will cost you a small fee, usually up to 5 euros, although this may vary. This fee can not be refunded with your EHIC. For regular dental care there is a fee, but if in an emergency, the treatment is free. And, good news for families traveling with children is a child under the age of 19 receiving free dental care, whatever it is. What is EHIC Cover in Estonia

What about hospital visits?

While on vacation with your family, ending up in a hospital is something you do not want to think about too much, but keep in mind just in case. Hospitalization in state-funded hospitals in Estonia is charged 2.50 euros per day up to 10 days, even if you have an EHIC, but there is no fee for treatment under 18, pregnancy or childbirth, or intensive care. The cost of maintaining a private hospital for family members can only be changed if you have a good family travel policy.

Although health care is very good in Estonia and you deserve it with a valid EHIC, it is always recommended that you issue a good insurance policy as well, especially if you are traveling with children.

Patrick Chong is the Managing Director of InsureMore, an award-winning team of specialists in one global journey, annual travel insurance and family. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday. What is EHIC Cover in Estonia

How To Save Your Car Insurance

How To Save Your Car Insurance

It has car accounts as the second largest household cost, according to the Bureau of Labor & Statistics. Although their efficiency is still a matter of debate, we all know as car owners that it’s better to be safe than sorry. In this article we will discuss various ways to save hundreds of dollars on your Car Insurance.
1. Look Around to find The best prices may vary depending on the company and its policies. With the latest statistics released by BankRate.com, 90% of drivers pay more than $ 368 for their car insurance. So really pay to look around and expand your options. One of the nuisance methods is to search online. Many of them offer discounts compared to normal Insurance. So always weight your choices and find the best.

How To Save Your Car Insurance

2. Secure your car and get discounts on bells and bullets Insurance related Insurance in U.S. car. get a lot of discount points from car insurance companies. Built-in anti-theft and passive restraints include a large discount air bag. Insurers also love cars kept in the garage overnight, because there is a higher theft risk by keeping your car on the road.

3. Cancel Closure If your car is 10 years old or the price is less than 10 times the premium, the cost of repairs can be more than a decent car. Chances are you’d better cancel your crash coverage and save up to 40% or as much as $ 440 per year by reducing coverage of property injury and damage.

4. Think Twice before Adding Your Teenagers to Your Policy According to a report issued by InsuranceQuotes.com, car insurance costs 79% more for couples after they add a teenage driver to their policy. Especially if the teenager happens to be a boy: car insurance costs 92% more for teenage males, but only 67% more for young women. This is because car accidents are the leading cause of death for U.S. teens, especially males aged 16 to 19, according to the Centers for Disease Control. How To Save Your Car Insurance

5. Bundle all your Insurance into one company Insuring your home and your car with one company can bring your interest rate down by 10% per year. A two-year national study by Consumer Reports found that bundling of home and car insurance will save customers an average of $ 97 per year.

6. Choose High Deductibles if you have the cash The higher your deductible, the lower your insurance premium. If you can afford a higher out-of-the-pocket cost if something happens to your car, choose a $ 1,000 deductible instead of $ 500 to save. How To Save Your Car Insurance

7. Mind Your Credit Score According to a study conducted by the Wallet hub, there is a 49% difference in the cost of auto insurance premiums for someone with excellent credit and someone who has no credit history. Another study by Consumer Reports says the average difference between the causes of the difference in credit score is $ 214. So whenever your score improves, ask your insurance company to get a discount or shop for other policies.

Life on Galapagos: The Invertebrates

Life on Galapagos: The Invertebrates

 

The unique flora and fauna of the Galapagos Archipelago attract nature lovers from all over the world to explore the region. The best way to do it is on a Galapagos wildlife cruise, which affords participants the opportunity to experience the astounding diversity of the island’s habitats and encounter a wide range of animals.
The mammals, reptiles, birds and marine animals of the archipelago are fairly well known by visitors, and many of the high-profile species can be seen on a Galapagos wildlife cruise. Surprisingly, though, the largest group of organisms is often overlooked.

 

The Invertebrates

Invertebrates have no backbone and are officially classified as animals that “neither possess nor develop a vertebral column”. They include insects, spiders, snails, worms, centipedes and many others. Like all the wildlife, this group had to arrive at the islands either on the ocean currents, with birds, or attached to vegetation or driftwood washed up on the shoreline.

The terrestrial invertebrates exist in every habitat and account for around 51% of the archipelago’s total biodiversity. While they may be small in size, they are absolutely crucial to the delicate balance of the ecosystem. Not only do they act as pollinators, they contribute to the formation of soils by recycling organic matter, and they also feature as an important link in the food chain as part of the diet for birds and small mammals.

The marine invertebrates include the molluscs, sponges, annelids (segmented marine worms), cnidarians (including corals), echinoderms (sea cucumbers and urchins) and many others.

Unique and Imbalanced

While many are still identical to their ancestors on the South American mainland, due to the remoteness of the region and the diversity of habitat just as many have adapted in order to survive. It’s estimated that around 52% of them are endemic. This means that some groups are represented in greater proportion than others, so they are considered to be “imbalanced”.

It is not known exactly how many invertebrate species are found throughout the archipelago, although in 2001 the number was estimated to be well over 2,000 (just for terrestrial ones), with the insects the most diverse and numerous. Some of the insects that may be seen on a Galapagos wildlife cruise include butterflies, dragonflies, moths, wasps, grasshoppers, spiders and flies.

Giant Snails and Colourful Crabs

The giant land snails are a distinctive group comprising around 60 species. They are similar to Darwin’s Finches in that they appear to have made specific adaptations to survive in particular habitats.

While most invertebrates don’t enjoy the glamorous status of some of the mammals and reptiles seen on a Galapagos wildlife cruise, one certainly attracts attention. The delightfully skittish Sally Lightfoot Crab can be seen scurrying between rocks on the shoreline, and its vibrant red and blue shell makes it a favourite with nature lovers.

While at first glance this group may not be as impressive as the Giant Tortoise or have the character of the quirky Blue-footed Booby, they are no less interesting and just as important to maintaining the status quo of archipelago’s ecosystem.

Annual travel insurance Some alarming statistics

Annual travel insurance Some alarming statistics

Statistics relating to public understanding of the need for single or yearly travel insurance are truly terrible.
That means a large number of people leave the UK every year without proper cover – and the results can be disastrous.

 

Terrible facts

Regardless of the government’s efforts and the insurance industry to draw people’s attention to the importance of travel insurance:

• Almost a quarter of all people travel out of the UK without insurance • That number increases by almost 50% for people in the 15-24 year age group.

To understand why these numbers should be alarming, keep in mind that on 2011/12:

• Every day, an average of 10 UK people are hospitalized while abroad

Why Do People Not Take Closures?

There is no definite answer to the question but it is possible to draw two definite conclusions. Annual travel insurance Some alarming statistics

First, higher statistics in the 15-24 age range indicate that young people may suffer the invincible illusion of youth and the syndrome “will never happen to me”. Unfortunately, they are too often wrong.

That’s especially true for this age group, as they are most likely to exercise strenuous sports, hazardous sports or related activities.

A second and more worrying cause is the false belief that the European Health Insurance Card (EHIC) provides ‘free health insurance’. Almost 20% of all age groups consider that the problem.

In fact, apart from only one or two non-EU European countries with affiliates, EHIC does not cover any other country outside the EU. Even in the EU country, EHIC covers only medical expenses that can also be free from local residents in the country itself. Therefore, it will not cover such things as medical repatriation, additional hotel and flight costs for health care providers etc.

The falsely linked assumption of about 17% of travelers without a single trip or annual travel insurance is that somehow the UK government will pay for their medical repatriation, if that need arises. That is not the case at all and even if the government does help, they may take legal action to return the money from you once back in England.

Cost Annual travel insurance Some alarming statistics

The above statistics are alarming in themselves, but it is even more alarming because of poor awareness of how expensive medical care abroad.

In the United States, for example, major surgery and medical care can easily generate bills that reach hundreds of thousands of pounds – or even millions in extreme cases. It is not often recognized that in some situations, some countries may refuse to provide medical assistance to you unless you can indicate that you have the means to pay for it – usually a single or annual travel insurance.

Conclusion

The current level of misunderstanding regarding the risks and potential costs of medical care abroad coupled with significant confusion regarding the role of EHIC causes a large number of British people to travel abroad each year with little or no cover.

This must be resolved as soon as possible through some form of publicity campaign that is relaunched.

A single travel insurance, family or good travel insurance is usually not expensive and is a small price to pay for peace of mind.

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday. Annual travel insurance Some alarming statistics

6 Surprising Ways to Save Money in Auto Insurance

6 Surprising Ways to Save Money in Auto Insurance

Secure driving and fewer points on your license will always go a long way to reduce the amount of money you pay for Elkton car insurance, but this is not the only way to keep your premiums low. Check out this surprising way to save more money in your pocket at the end of the month.
Reduce Coverage on Older Vehicles

6 Surprising Ways to Save Money in Auto Insurance

Did you know that collision coverage represents the lion’s share of insurance costs? If you drive an older, paid vehicle, you may want to consider removing this coverage. Car owners with vehicles older than 10 years should be able to benefit from dropping collision coverage.

Increase your Deductible

The lower the deductible you have on your vehicle, the higher your insurance premium. You may have chosen a lower deductible because you are financing your vehicle, but if the vehicle is paid off and you are safe driver without any accidents in your records, you may want to consider increasing your deductible. Yes, you will pay more if you have an accident, but why pay more to drive your car safely every day?

Are you still financing your vehicle? You have room when you arrive at your deductible. Most lenders ask their customers to have a $ 500 deductible or less. If you feel stuck in a budget with a $ 250 deduction, consider raising it to $ 500 to lower your monthly payments. Doing so will give you a bit of financial relief without violating your lender’s rules. 6 Surprising Ways to Save Money in Auto Insurance

Save Money on Driver Teenagers with Safety Program

Not surprisingly, teenage drivers can make your insurance premiums skyrocket overnight. It is a case of whether they have their own car or they borrow yours. One of the easiest ways to soften a financial blow is to ask your insurance company if they have a secure driver program. This program may require evidence of a driver’s education class or may just ask your teen to take an online course. Even though your teenager may not be happy to participate in the driver safety program, you will be happy when you open an insurance bill every month.

Keep All Your Insurance Policy with One Company

Multipolicy discount is money saver. Whether it’s a life insurance policy, tenant insurance, or homeowner policy, you save it when you bundle it. Almost every insurance company offers multipolicy discounts, but if you’re with an insurance company that does not offer these savings, it’s time to start shopping for new providers.

Less Drive to Save More

Today people work less than brick and mortar offices and more than the comfort of their own homes. If you telecommute, work part time from home, or carpool for a week, let your insurance company know. Spending less time on the road means you are less likely to have an accident and this is news to be celebrated by the insurance company. Cutting the amount of driving you make to and from work can reduce insurance costs.

Research Safe Car before you Buy

Are you in the market for a new vehicle? Before leaving for a dealer, do a little research. Each year the Insurance Institute for Highway Safety (IIHS) assesses vehicles for security. Cars that meet the highest standards generally cost less to ensure. Not that this vehicle will not be involved in an accident, but if so, the likelihood of injury and damage may be much smaller than other cars on the road that are not equipped with certain safety features.

Genius Gadget for Travel Worldwide

Genius Gadget for Travel Worldwide

Starting a world tour can be one of the greatest adventures in the world! After renewing your passport, booking your flights and accommodation and purchasing annual travel insurance, you may want to consider getting some handy gadgets to help you organize your journey further towards a smooth and comfortable journey.
This is a selection of gadgets that I find very useful when traveling remotely on their own. Apple iPad

Genius Gadget for Travel Worldwide

Probably one of the most obvious gadgets to travel, but there really is not another device that packs as much punch as iPad, whether mini or full sized. Instead of taking your laptop on a round-trip trip, pack iPad for an operating system, camera, photo storage, online access, music and fun travel apps. If you often type a lot when you are traveling, consider buying a keyboard accessory.

Use your iPad to take photos of your important travel documents and information, including passports, annual travel insurance information, travel itineraries and confirmation of your reservation as a backup copy.

Skross Plugin All-in-One Plug

Since you will visit a number of countries, you will surely fill your electronic devices using various types of plugs and sockets. This world travel adapter will save you time and frustration by allowing you to fill everything in every country with ease. iClever BoostCube USB Wall Charger Genius Gadget for Travel Worldwide

No need for your electronics awaiting their turn to charge! This charger comes in one, two or six port options to meet all your charging needs. The cool thing about this particular brand is that the “SmartID” technology allows it to feel the device is charged and will adjust the amount of juice and speed required. You’ll find this much faster than older chargers, especially when charging newer technology models.

IPad and Waterproof Tablets are deeper

Remember all the photographed documents you’ve stored on your iPad, like your passport, travel itinerary and your annual travel insurance information? All will remain safe and healthy in this stunning waterproof box. With your iPad sealed from various elements that you will experience in various climates, this case will even keep your iPad protected up to six feet of water!

This case has a clear front line so you can still do all the things you love to do like photographing, listening to music and chasing friends and family online. The case is also equipped with a rear hand loop, shoulder straps and backrest to increase mobility and comfort.

Light Camel pillow Genius Gadget for Travel Worldwide

When we think of gadgets we tend to think of electronics, but this gadget is far from anything that requires a cable or charger. If you’ve ever tried to grab my breath suddenly in a moving vehicle, be it a bus, train or plane, you know the bumps and lack of space to rest your head can make it impossible. This padded cushion fits in the head and also block out light and noise. In addition to the annual travel insurance, we consider this gadget as a godsend.

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.