How does it work? 1. You enter your details in our secure system. At this stage, all you have to give is the amount you want to be insured for, your age, and how long you want to be insured for. 2. Once you have found the cover you want, you apply directly through Bonaport. car insurance GO home insurance GO life insurance GO mortgages GO savings GO finance GO		BonaportLife reduces the cost of life insurance If you're looking for discount life insurance, then look no further than BonaportLife. We search the market for the cheapest premium - then provide a discount which reduces the premium even further. So if you're looking for discount term life insurance quotes, check out our site now. The quotation process only takes a few seconds (only a handful of questions!) and you can see how much you can save!! Get a discount life insurance quote now Why do I need Life Insurance? Life insurance offers valuable financial protection in the event of your early death or onset of a critical illness if you have a family or partner dependent on your earnings or you have outstanding loans or liabilities such as a mortgage. Loss of income and problems paying debts or meeting tax liabilities can result from loss of life. Term insurance provides you with protection by paying a lump sum on death. The term (period of cover) can be chosen to cover the time when children are growing up and expenses are high. To apply online click here. Term insurance (or 'temporary insurance') gives you financial protection if you die within a specified period known as 'the term'. This period might be 10, 15 or 20 years although you can arrange policies to cover you for periods as short as one month. If you are alive at the end of the term no payment is made and there is no surrender value - meaning that if you stop paying the premiums the cover ceases and there is no refund of premiums paid. If you, or those who depend on you, would face financial difficulties if you became critically ill (for example if you had cancer, a heart attack or a stroke), you may want to consider adding critical illness cover to your term insurance policy. Critical illness policies usually pay a tax-free lump sum if you suffer from one of the illnesses or conditions, or have one of the surgical procedures (collectively known as the 'critical illnesses'), covered by the policy. For a list of definitions click here. >> Get an online quote now

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Your Credit File Everybody has a credit file, maintained by a credit reference agency. Many people have adverse credit details on their files, such as defaults, bad payment history, County Court Judgments. This means that when these people apply for credit, such as loans, mortgages, credit cards, car finance or even a simple bank account, they may be turned away. Most people are unaware of credit information, credit files and credit reference agencies, yet they have increasing importance in today's world. Most lending sources will automatically run a credit search on applicants, by contacting the major credit reference agencies, Experian Limited or Equilfax Limited. These reference agencies' purpose is to hold files containing credit information, including information about you. *

Credit Reference Agencies

The truth is nobody is automatically entitled to credit. In order to be successful when applying for credit, it is necessary for you to prove to the lender that you are credit worthy. But this may be even more difficult if you have adverse credit information on your credit file which is left without repair. Without you realising it, lenders may be relying on  out-of-date or incorrect entries, or entries which don't tell the full story, or which shouldn't in fairness have been put on your file in the first place, or even entries which relate to people with whom you don't have a financial link. back to top Credit History As an individual and a consumer, you have rights to ensure that your files are fair and accurate. You can obtain a copy of your file and ask the credit reference agency or the lending institution to remove or correct wrong information. You can place your own explanation of your circumstances on your file so that lenders see the whole picture. Often people don't realise that a simple step might give them the right to remove or correct an entry. The credit reference agency will tell you if there is anything you could do. Lenders don't always act fairly in the way that resulted in an entry being made.

The credit reference agency will tell you if there are grounds for challenging the entry with the lender. Sometimes a simple step like putting yourself on the electoral roll makes all the difference. The credit reference agencies will give free advice about your credit file. back to top What about CCJ's CCJs can be repaired. If a CCJ wasn't properly obtained, or you dispute the debt, or you have paid the judgment you can repair or even possibly remove the entry. Otherwise, you'll have to make payments towards it to repair the entry.