Getting Cheap Car Insurance Online
According to a recent survey undertaken by the AA, 75 percent of us will head directly to the internet to check out online car insurance quotes before we decide whether or not to renew our existing policy. However, out of that 75 percent, 60 percent of us spend less than three minutes checking out competitive cheap car insurance quotes online and, unless we see an immediate reduction in our car insurance policy of at least 10 percent or more, we won’t bother looking any further! Read more
Tags: car insurance, Types of insurance, cheaper car insurance, finance, different car insurance, survey, choosing car insurance, internet
Do You Need Classic Car Insurance?
Whenever we think of a ‘classic car’, and classic car insurance, images of a car from a bygone era and races to Brighton once a year immediately spring to mind. However, if you’re currently thinking of buying a second-hand car, then there’s a chance you may be asked to insure this as a classic car. Read more
Tags: symbol, advertising, vintage cars, cars, veteran cars, classic car insurance, classic cars, AutosWhy Are Female Car Insurance Quotes Cheaper Than Men?
As every man likes to remind his woman, women cannot drive as well as men can. Call up a UK insurance company, or get a UK car insurance quote online, however, and the cost of the car insurance premium for exactly the same car is likely going to be cheaper for the woman than the man. So, if woman cannot drive as well as men, how can that be so? Read more
Tags: men women, Drunk driving, traffic laws, respect, car insurance, female car insurance, women driversRental Car Insurance
More and more these days we are leaving the car at home and are picking up a rental when we arrive at our holiday destination. If this is exactly what you are planning on doing, and you have never rented a car before, then the following are a couple of hints you should keep in mind when arranging your rental car insurance: Read more
Tags: rented car insurance, car insurance provider, Financial services, death, package, rental car insurance, personal accident insurance events, liability insuranceNo Claims Bonuses: how they work
Car insurance companies in the UK incorporated a program called a No Claims Bonus or No Claims Discount. The meaning behind these programs is for the consumer to help lower their car insurance premiums. Read more
Tags: discount maximum, claim bonus, car insurance company, car insurance, Admiral GroupAppropriate Insurance Company
One of the most important contributors of the UK economy is the insurance industry. The insurance industry is among the top employers of UK and a significant source of overseas earnings. It helps businesses to protect themselves from risk and provides a wide range of services to ordinary people, from car and house insurance to pensions. Searching for an appropriate insurance company is an important task in present days where insurance companies are mushrooming at every corner. Read more
Tags: insurance companies, industry, Insurance, member, important contributors, claim insurance, United States, worldTypes of UK Car Insurance
If you think that the UK car insurance policy is stringent enough, then keep in mind that it is so to secure your own interest. The UK car insurance policy is generally targeted for the protection of any innocent victims of accidents. It is obligatory by law to carry the UK car insurance certificate for a user of the road. Read more
Tags: Types of insurance, someone, car insurance types, car insurance provider, car insurance certificate, Business and Economy, lot, commencementGeneral Tips for Travel Advice
To the average customer looking for a travel insurance deal they may be bombarded with terminology and information of which they find it hard to take in. They know that travel insurance is worthwhile – peace of mind it affords is worth the premium alone, but they have no further knowledge. Read more
Tags: peace of mind, Personal belongings, Personal Accident cover, claim damages, current timeHow much will home insurance cost me?
Well that depends on a wide host of factors, as every persons quote is tailored to their home and their circumstances. Insurance is never ‘one size fits all’ as different circumstances present differing risk sizes. For more on insurance ‘risk assessment’ please see our other articles. Read more
Tags: player, nice leather, home insurance cover, home insurance premiums, home insurance cost, home contents insuranceWhat kind of coverage can I expect with home insurance?
Home insurance was created, and is provided in order to insure a person’s possessions. As you can imagine this can potentially be a vast list of items ranging from do-it-yourself appliances to the kitchen sink. Read more
Tags: redress, check, mind, range, choice, Types of insurance, home insurance coverage, equipmentHome Insurance Tips
We have created a range of tips on what to look out for when searching the internet for home insurance. These may not be specific inclusions within your policy but if you read and take note of our guidelines you’ll certainly be able to find insurers without problems and perhaps assess the strengths and weakness in a more efficient manner. Read more
Tags: manner, Yahoo, questions, Larger companies, weight, home insurance tips, complaints procedures, specific inclusionsReduce Home Insurance Premiums
To begin with you should ask yourself how you can make your home more secure. Are there any extra precautions you can take to prevent a claim. Read more
Tags: cheap home insurance, Insurance, insurance company, effort, supplier, Claims adjuster, homeHome Insurance Advice
If you have a mortgage you will already have Buildings insurance for your home. This is required to replace anything connected to your home that will affect the valuation. This may include roof repairs, flooding, storm damage or damage to internal fittings such as kitchens, bathrooms or interior decor. Read more
Tags: room, home contents insurance, home insurance, buildings insurance provider, jewelry, financeHow does your age affect your premium?
As many UK motorists are aware there are a range of factors which come into play when companies decide the rate premium you pay. The first step of this process, at the application stage is to take all your details – which the company will do with a paper based form or over the internet. Read more
Tags: claim, assessment, paper, risk, Disaster AccidentCommon Car Insurance Questions
Like any specialist area in financial services there can be a wealth of information which simply goes over the head of the typical customer. For car insurance this can be from terminology used such as ‘no claims bonus’ or the why’s and where-fore’s of procedure (example: ‘How exactly do I make a claim?’). To help as best we can and clear the head of online users seeking car insurance we have answers to the typical question that are posed. Read more
Tags: premiums, company, driving accidents, liability insurance, car insurance questions, Types of insurance, typical questionMaking a Car Insurance Claim
Having an accident and making a claim on your car insurance Read more
Tags: day, car insurance claim, party, business, stageCar Insurance FAQ
- Is it legal to drive without car insurance?
- What is an excess?
- What is a compulsory excess?
- What is a voluntary excess?
- What is a fault claim?
- What is no claims discount?
- What is protected no claims discount?
- What is a high risk group?
Is it legal to drive without car insurance?
No. Accidents do happen, and the law states that you must be able to compensate any person you injure or any damage you may cause. The cheapest form of car insurance is third party , which only covers any damage that you may cause. the most popular policy sold in the UK would be comprehensive cover , which will cover you for any damage to your own vehicle as well as anyone else.
An excess is the cost you will have to pay if you make a claim to your insurance company. A common amount for an excess charge would be around £100. However, if the claim was due to an accident which was not your fault then you may be able to claim this excess back. You will however have to pay the excess then try to claim the money back afterwards.
Some insurers may only insure you if you agree to drivers if they agree to a compulsory excess charge. This will usually be around £100 and is aimed at giving you a cheaper quote.
A voluntary excess is aimed at what insurance companies deem as higher risk drivers. drivers between the ages of 17 – 21 are generally seen to be the highest risk group and some insurers will only consider insuring people from this group if they agree to pay a larger excess fee which could be anything from £250 to £1000.
A fault claim is an insurance company’s way of saying that they can’t recover their costs of any claim that you make. This may be because you are at fault for an accident claim or maybe the person at fault is untraceable.
No Claims discount ( NCD) is a discount added to your policy for each year you do not make a claim. This can increase to a maximum discount of 60% for 5 years without claims. If you change insurance suppliers then you can take this no claims discount with you.
What is protected no claims discount?
If you do make a fault claim then you will be penalized when you attempt to renew your policy by a loss in your no claims discount. Protected no claims discount will allow you to make claims to your policy without losing any discount. Usually you will be able to make on average 2 claims in any 5 year period.
A high risk group is a section of the population that insurance companies will feel are most likely to make a claim due to statistics. If the insurance company puts you in this section then you will have to pay higher than average premiums and excesses. examples of high risk groups would be males aged 17 – 21, drivers with 6 or more penalty points or drivers who have made many claims.
Tags: higher risk drivers, car insurance excess, larger excess fee, insurance policy, no claims discount, Pound sterling, law, car insurance faqProtection From Car Crime
According to the latest reports, car crime in the UK accounts for nearly 25% of all reported criminal acts in the UK. This is a massive figure, which could affect you when you least expect it. Follow these steps below and you could make your vehicle less attractive for thieves and also decrease your car insurance premiums at the same time! Read more
Tags: Prevention, scheme, piece, alarm try, Immobiliser, car insurance premiums, Law Crime, prevent car crimeCar Insurance Terms and Conditions
Most people will realise that car insurance comes attached with a range of terms and conditions. Having a policy does not allow you to claim under all circumstances possible, and should you break the terms and conditions given out by your insurer you may not be eligible should you need to make a claim. Read more
Tags: drivers, anyone, Insurance, perfect sense, trade, life insurance, company deals, car insurance terms and conditionsAdvice On Choosing Car Insurance
Price? Well there are many more important features to remember when choosing your next policy. Here are a few of the main points. Read more
Tags: Social Issues, finance, Types of insurance, sexist women, Vehicle insurance, quotes, choosing car insurance, Admiral GroupSave On Your Car Insurance Premiums
There are various ways to save money on your car insurance:
The first, which may be apparent to many people is to shop around. Read more
Tags: provider, choice, car insurance, mire, finance, good practiceNo Claims Bonus
Information about your car insurance no claims discount:
A no claims bonus can significantly reduce the cost of your car insurance cover. If you have never heard of the no claims bonus, or are unsure as to its workings or methodology it can be explained as follows: Read more
Tags: car insurance, insurance policy, risk, older drivers, maximum bonusMen Vs Women Car Insurance
One of the eternal arguments that can come up in male versus female arguments is that of driving insurance premiums. It is a well known fact the women’s car insurance premiums can be significantly less than men’s, if all other factors remain the same (such as type of vehicle, location and past claims history). But why is this? Read more
Tags: female car insurance, versus female arguments, bias, influence, number, pattern, mens car insurance, Road transportThe Pros And Cons Of Payment Protection Insurance
Lenders are always eager to convince borrowers to protect their repayments for loans, credit cards, store cards, mortgages and other financial products. And they have a point. People in the UK are saving less and borrowing more, with a high rate of debt. Read more
Tags: Loans, office, credit, Insurance, cover, Mortgages, protection, ppi, tradingNo Claims Discount – What Is It?
A No Claims Bonus is basically the same as a No Claims Discount, but technically one results in the other. Either way, they make a heck of a difference to how much your car insurance costs. Read more
Tags: maximum, hefty wedge, car insurance costs, insurance policy documents, price, no claims discountCar Insurance Extra Charges – Worth The Cost?
Losing their No Claims Discount is probably the issue that causes the most issues to a car insurance policy holder. Usually they will do anything to hold on to it. This is why insurance companies have now responded with No Claims Discount insurance as part of their overall car insurance package. But is the extra in the premium worth it and what about all those other charges? Read more
Tags: accident, percentage, Claims Discount, feel-good factor, extra, two ways, car insurance package, companies advertising insuranceBuying Contents and Buildings Cover
Keep it Decent
Exceptional deals on insurance are hard to come by as companies are all competing neck and neck for your business, but with a few sensible guideline and armed with some understanding of the industry you can still pick up a good deal. Read more
Tags: policy includes things, few minutes, contents insurance, Types of insurance, indemnity policies, buildings insurance, cheaper home insurance, insurance coversWhat Is Material Fact And Why Is It So Important?
The Fact of the matter
The insurance business is full of words that seem like jargon, but the fact of the matter is that the words used often mean very precise things because these insurance policies are contracts. “Material Fact” is one expression that you are likely to come across. 
Read more
Contents And Buildings Insurance
What’s it worth?
The place where you live is probably the most valuable thing you own. But it’s not just its financial value that is important, the likelihood is if you have lived in one place for some years that it will be full of things you have collected that have sentimental value too. Read more
Tags: television, occasional occurrence, simple case, cost, sentimental value, Sufficient coverWhat Is A Warranty?
Second hand or first time round?
When you buy a used car from a dealer you will nearly always get offered at least three months warranty. If you are buying from new then you will get about three years warranty as standard. But what is it and what’s it got to do with insurance? Read more
Where Is The Best Place To Get Car Insurance?
The world of car insurance is almost as vast as financial services in general. Everywhere you look there are companies advertising insurance. So where do you go to find the best deals? Read more
Tags: world, Insurance, larger excesses, Other retailers, brokerInsurance : Do You Care More About Your Pet Than Yourself?
Latest figures from the UK’s insurance industry show that over half of the nation has no life insurance cover. Only 1 in 5 of us has any accident insurance. And less than 1 in 10 of us will take out any type of income protection insurance. By themselves these figures should be a little concerning, but when you add the fact that 1 in 4 of us in the UK has some form of pet insurance, you start to wonder whether or not our world-wide fame for being a nation of animal lovers may have gone a little too far! Read more
Why Does Car Insurance Cost More For A Young Person?
Bright Young Things
Trying to second guess what your insurance is going to cost you is a nightmare. Despite all the insurance groupings, one thing you do know is it will cost a lot more for a young person than somebody of more advanced years. Why? Read more
Tags: way, young person car insurance, Boy racer, Vehicle insurance, driver, repair, game players, lamp postInsurance By Age and Experience
Mature beyond your years
Just as young people get penalised for being young by the insurance companies there can be disadvantages to being old too. But there are also some advantages. How do the insurance companies treat drivers of more advanced years? Read more
Tags: Debits, Clubs It, type, SAGA Driver, motorists, heartWhat is Insurance?
It’s only just begun
Let’s say you are a young person with very little money and no job. You’re driving down the road in your new car that is anything but “new” because you just picked it up from a bloke who sold it to you for three hundred quid. The engine’s rattling like a bag full of spanners and the smell of petrol inside the car is causing you a little concern. But that doesn’t matter, because you have a car, your first car. Read more
Tags: Insurance, Social Issues, Insurance Centuries, Financial economics, Political risk insurance, Unemployment insurancePet Insurance
It’s a Dog’s Life
Whether you have received a cute kitten or a puppy as a present or been out and bought one for yourself, vets bills and care of the animal are all part and parcel of being a pet owner. Insurance is there to help with the unexpected or even expected bills. Read more
