Car Insurance News

How car insurance is calculated comes down to one core idea: insurers estimate how likely you are to make a claim, and how much that claim might cost them. They feed details about you, your car and how you use it into statistical pricing models, then add fixed costs such as Insurance Premium Tax. No […]

NFU Mutual car insurance is a direct-sold, fully underwritten motor policy that is not listed on price comparison sites, so the only way to buy it is over the phone or through a local branch. It is positioned as a service-led, premium insurer rather than a budget option, and its comprehensive cover bundles in extras […]

How many car insurance claims per year is too many depends on the insurer, because UK car insurance has no fixed legal limit on the number of claims you can make. In practice, most insurers treat two or more fault claims in a three-to-five-year period as a point where your premium rises sharply and your […]

How a write-off value is calculated comes down to one figure: your car’s market value immediately before it was damaged or stolen, minus your excess. A write-off, also called a total loss, happens when your insurer decides it is not economic or safe to repair your car and pays you a cash settlement instead. The […]

Insurance for leased cars is almost always your responsibility as the driver, not something bundled into your monthly lease payment. When you take out a personal or business contract hire deal, the leasing company owns the vehicle, but you are named as the registered keeper and must arrange your own motor insurance from the day […]

Zurich car insurance is motor cover underwritten by Zurich Insurance, a large UK-authorised insurer regulated by the Financial Conduct Authority. Zurich offers comprehensive, third party fire and theft, and third party only policies for UK drivers, and its comprehensive product covers damage to your car from accident, malicious damage, fire and theft. If you are […]