Row.co.uk Blog

Can the smartphone get any smarter?

Fiction has always enabled its creators to use amazing technology to enhance plotlines that wow us on screen and make the pages of books come alive. Think The Matrix, Mission Impossible…we could go on.

That is to say, as long as the technology seems plausible within the limits of our imagination, we won’t get too hung up on the reality of it not actually working in practice. And as long as the movie budget is big enough to include convincing CGI, then we’ll swallow anything that’s thrown at us if it makes for engaging content.

Fact not fiction
However, back in the real world, consumers expect technology to actually work. Well, it’s not too much to ask when you’re forking out a pretty penny for a smartphone is it? Therefore developers have to do more than just come up with exciting concepts. They have to take it one step further and deliver reliable, working technology. Okay so that’s simplifying the process somewhat, but for the purposes of this blog, you know what we mean.

Bite-sized technology
As well as the built-in apps your phone already contains, there are all sorts on the market to expand the use of your smartphone. These apps offer access to a huge range of services, from downloading music and films, online banking, payments and shopping, to booking restaurants and hair appointments. Again, we could go on, but you know the drill.

More at your fingertips
Even the NHS and GP surgeries are embracing mobile technology to streamline their services to benefit the user. We can now book appointments and order repeat prescriptions via apps. That certainly suits our busy lifestyles and eliminates the need to do battle with a receptionist in order to see a doctor.

Coming to a smartphone near you?
The Seoul National University Bundang Hospital in South Korea already offers more to its patients in the form of the Patient Guide app. Rolled out last year, the app aims to improve its patients’ hospital experience with a hospital navigation guide and a personalised entertainment system accessible during their stay. It also delivers information on healthcare costs, waiting times and appointments.

Who knows what else is in the pipeline, but as consumers, if it enhances our user-experience we’ll be keen to grab it with both hands. Okay maybe just the one, we’ll be holding our smartphone in the other.

Protect your personal information
It’s great that we can access this technology via our smartphones to simplify otherwise time-consuming tasks. However, on the downside, our personal information is being shared every time we use an app to make life easier or have some fun.

Our reliance on mobile phones and apps to organise our lives may go some way to explaining our total dependence on them. And why we feel so lost without our smartphones. This makes it more important than ever to protect them with mobile phone insurance.

The thought of buying phone insurance may insight yawns, but it’s a necessity to protect what you hold dear. Whether that’s just your must-have smartphone or the data it contains, it definitely makes sense to insure it. And with phone insurance available from as little as £1.49 a day, it’s a small price to pay for peace of mind, don’t you think?

*The information in this blog is designed to provide helpful information on the subjects discussed. Please seek a professional for expert advice as we can not be held responsible for any damages or negative consequences upon following this information.

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How to avoid a bill for car hire excess

Row.co.uk Blog

When you hire a car, you’re subject to a slew of terms and conditions that sometimes seem like overkill at first glance. The idea of having a car accident on holiday is so remote -- and, let’s face it, we’d rather not think about it. 

But accidents do happen, and so does damage; if someone scrapes your car while it’s parked, you’re still liable. Car hire excess payments can be astronomical, and generally expose you to more risk than the excess on your car at home.

Image result for car hire


How to Avoid Car Hire Excess Fees

You might kid yourself that you’ll drive carefully to avoid hire car damage. But the excess could be charged even if the damage to the car isn’t your fault. And some car hire companies are very strict on recovering extra money; we’ve heard of “damage” charges linked to sand being left in a footwell.

In a few rare and unfortunate cases, customers can be charged if there’s damage to the car that they didn’t notice when they collected it in the first place.

So car hire excess insurance is an essential purchase, and really the only way you can avoid paying the excess. A good car hire excess insurance policy will protect you if your car hire company spots damage on the car, whether it was your fault or not.


How Much is Car Hire Excess?

Anecdotally, you may have heard stories about car hire companies claiming the full excess from a customer for minor damage, like a paint chip. And excesses are not cheap, typically costing around £1,000 per hire -- although this can vary.

The car hire companies often claim that a small flaw will force them to respray an entire panel. Whether this actually happens is sometimes a matter for debate.

It’s important to check the fine print on your hire paperwork to find out what your excess fee is. Otherwise, if the worst happens and the hire firm tries to bill you, they might also send you over your card limit and incur extra fees from your car issuer.

Typically, your car hire company will keep your card on record so that any damage can be billed to your card when you return the car. You’ll probably agree to this when you originally sign the agreement, so take your time to read the wording before putting pen to paper.


Car Hire is Expensive Enough Without an Excess

It’s very important to understand how excess works, ensure the car is properly inspected, and -- most of all -- cover yourself in case of accidental damage or accident. 

Don’t be afraid to make a video of the inspection before and after to cover yourself against damage that they claim is your fault. Some car hire companies now make their own videos for this reason.

Hire cars rarely stay in ‘brand new’ condition for long, but that doesn’t mean you should foot the bill for someone else’s carelessness. Take our car hire excess insurance before you head off on holiday to avoid a nasty shock.

*The information in this blog is designed to provide helpful information on the subjects discussed. Please seek a professional for expert advice as we can not be held responsible for any damages or negative consequences upon following this information.

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