Six common insurances for British immigrants

# British Immigrants # Introduction Life in Britain is comfortable and the infrastructure is complete, but people must buy insurance while enjoying social welfare. The following are six common types of insurance for British immigrants. Welcome to read!

Article 1 Six common insurances for British immigrants

First, life insurance is similar to that in China. Although it is not necessary, it depends on personal and family circumstances.

Second, housing insurance.

If you buy a single-family house, especially an expensive private villa, it is necessary to consider buying home insurance. The maintenance cost of damaged houses caused by natural and man-made disasters is particularly high. Buying insurance can save you a lot of money.

In addition, if it is a rental house, it is also recommended to buy home insurance. Because renting a house involves the interests between the landlord and the tenant, when the house or indoor property suffers unexpected losses, it often causes contradictions and disputes between the two sides. If the owner buys rental insurance, these troubles can be properly solved.

Third, commercial insurance.

This kind of insurance is mainly for small shops, vendors, offices and family businesses in Britain. Small and private enterprises are more risky in doing business, so they should also take risks to ensure their income through drought and flood.

Fourth, auto insurance.

This should be regarded as the most common insurance in Britain, which belongs to the insurance that you must buy if you have a car. You can't drive without insurance. The police have the right to tow your car. If you don't pay the insurance within 2 1 day (it will be expensive at this time), the police will destroy your car. This is a very serious matter, so most people pay auto insurance automatically every year.

The price of auto insurance varies according to your personal situation. If you are a novice, the insurance fee for the first year is generally around 1000. Of course, the prices of different insurance companies are different. You can bargain, and the final price depends entirely on your impeccable tongue.

After the second and third years, the price will gradually come down, generally about 300-500 kg a year; According to your car condition, the insurance prices of new cars, used cars, ordinary cars and sports cars are different, depending on the regulations of various insurance companies; And age. If you are under 25 years old, the price of auto insurance will generally be higher than the normal price. Before paying the auto insurance, you should check the safety of your car every year, and professionals will check whether your car can still be used.

Verb (abbreviation for verb) trailer insurance

This kind of insurance is common in Britain, but it is not compulsory. Towing car insurance is a nationwide 24-hour service to prevent cars from suddenly stopping on the road, especially on highways or remote suburbs, or at midnight. After purchasing trailer insurance, the insurance company will provide trailer service. However, this situation is rare, and it is really worthwhile to call a paying company to trailer.

Intransitive verb travel insurance

Traveling abroad, especially traveling abroad, is generally bought for peace of mind. Especially when traveling from Britain to Europe, as long as you need to apply for a Schengen visa, you must buy travel insurance, which is one of the materials that a visa must provide.

Chapter II Child Welfare of British Immigrants

1 parental leave

A person who has served for 65,438+0 years may take care leave (unpaid) for each child after giving birth or adopting a child, for a maximum of 65,438+08 weeks, before the newborn's fifth birthday (or five years before adoption, or before the adoptee reaches 65,438+08 years after adoption, or before the disabled child reaches 65,438.

Each child can take four weeks of nursing leave every year, and the employer should be notified three weeks in advance. Due to commercial factors, employers can ask employees to postpone taking nursing leave within six months. If an employee requests to continue to take nursing leave after maternity leave, the employer shall not refuse.

Some units provide paid parental leave, up to five days a year, which is considered as a special holiday, including childcare, moving, exams, school management activities, court jury and so on.

2. Emergency childcare benefits

This benefit is only available to a few large multinational companies. Generally, you can ask a professional organization to provide your child with 100 hours of emergency childcare service (such as nanny or designated brand kindergarten) within one year. It can't be used for more than 3 days at a time (otherwise it won't be called emergency). Can be used to cope with, such as the child's kindergarten or custodian during the holiday, the child's recovery period (but both parents have inseparable affairs) and so on. Please consult the human resources department of the unit for details.

3. Other benefits

From pregnancy to one year after delivery, mothers can take medicine and go to the dentist for free, and get FW8 form through GP to apply for this benefit.

Article 3 the way of British immigration

1. Family reunion

Before the reform, the British spouse immigration policy is considered to be the most humane and simple policy in immigrant countries. The visa period is two years. Applicants can apply for permanent residence status after two years as long as they ensure that there is a marriage relationship within the two-year visa period and have lived in the UK for a specified period of time. However, according to the latest spouse immigration policy, the visa period is changed to five years (2.5+2.5 years), and the minimum annual salary requirement of the spouse visa guarantor is raised, that is, 18600 pounds/year. For families with children, the minimum income standard is 22,400 pounds per year, and the income limit will increase by 2,400 pounds for each additional child.

Previously, spouses of British citizens who have lived overseas for more than four years can also directly apply for permanent residency in the UK, but with the introduction of the new policy, this preferential policy has also been cancelled.

It can be said that it is getting more and more difficult to obtain permanent residency in Britain through marriage. Not only should the preservation period of love marriage not deteriorate within five years after obtaining the visa, but also a fairly solid economic foundation should be ensured to complete this seemingly simple family reunion.

2. Work visa

The British work visa is subject to an annual quota system, and the quota is still 20,700. Applicants who hold a student visa or PSW visa and change their work visa in the UK can be exempted from this quota. Applicants whose annual salary exceeds 6.5438+0.5 million pounds, or who have made outstanding achievements in the fields of art, sports and science, are also not subject to quota restrictions.

In addition to quota restrictions, applicants' English proficiency, annual salary and enterprise qualifications are strictly regulated.

Even if you successfully apply for a work visa, it does not mean that you can successfully obtain permanent residence. Applicants for permanent residence must meet the minimum annual salary of 35,000.

In other words, students who have completed a five-year work visa can apply for permanent residence with an annual salary of not less than 35,000 pounds. This is also the most rigid requirement for permanent residence on a five-year work visa.

3. Unmarried spouse

Unmarried partner visa is applicable to heterosexual couples and same-sex couples. The applicant must be at least 16 years old, and his guarantor (partner) must be a British citizen or a British permanent resident at least 18 years old.

The visa period is also 2.5+2.5 years. Five years after the visa expires, you can apply for permanent residence in the UK by passing the LifeinUK test. This kind of visa is actually very similar to a marriage visa. The most important thing is to prove that their de facto marriage has existed for at least two years, because there are no legal marriage documents. It is necessary to provide all kinds of bills, documents and even photos of letters during their common life as a strong basis for applying for a visa.