car insurance policy

As per motor insurance experts, young drivers could end up in big trouble if they choose fronting, which is an illegal practice of naming an experienced driver as the primary driver in their car insurance policy. They would end up facing a fine of £7,000, which is a sum total of legal fine of £5,000 and up to £2000 pay-out if they crash into another vehicle. As the practice is considered a fraudulent activity by UK car insurance providers, it is subjected to severe fines. Basically, young drivers use this kind of fraudulent activity to get cheap car insurance premiums in UK. The primary reason behind it is that young drivers are considered a risk by most motor insurance companies and therefore, they offer car insurance with heavy premium costs. On the contrary experienced drivers with good driving behaviour are charged lower car insurance premiums. Young drivers leverage this habit […]

Read More

We all know that car insurance cost is often unnerving and the continuous rise in motor insurance premiums makes it all the more difficult for drivers. In fact, increasing premiums and inflating motor insurance cost is one of the biggest reasons why people do not want to buy car insurance. They are always looking for alternatives to get cheap motor insurance. Again, there is a section of drivers which do not choose comprehensive car insurance and instead opt for third party motor insurance as they think a comprehensive policy may cost them more. Logically as the policy gives more benefits this makes sense, but that is not always the case. There are times when your third party insurance, which is the bare minimum requirement to drive a car in Britain, may prove costlier than comprehensive motor insurance. Let us check how! Even if the cost of car insurance rises astronomically, […]

Read More

Who doesn’t want cheap car insurance that protects the vehicle against financial damages and yet not disturb our household budget. There are various methods to save on car insurance cost UK including shopping around but an interesting way to reduce car insurance premiums is to change your job title. You can actually save around 25% off your UK motor insurance cost by simply changing a job title that is considered less risky for the insurers. UK motor insurance providers offer cheap car insurance by judging the customer and his/her driving habits against various factors. Job title is one of the deciding factors in calculating car insurance cost in UK. Logically, it is fair, as a racing driver has far more risk of facing accidents, vehicle damage and may even bang other vehicles more often than a nurse or a dancer. Therefore, car insurance providers in UK charge higher premiums from […]

Read More

We all know that UK car insurance rules are strict and the government would punish anyone driving without valid car insurance. If you are driving uninsured that is without at least a third party insurance then you are at a risk of facing huge penalty and even imprisonment. To save oneself from such trauma, people often choose auto renewal of car insurance. This means that their car insurance policy gets auto renewed unless they inform their motor insurance provider to not renew it or even choose to cancel it. However, the question here is that what if the customer is clueless about auto renewal of their policy. Is it still valid or not? Today, we glance through this topic and figure out minute details about the entire process and the loop holes associated with it. One thing is clear that, auto renewal of car insurance is a legal thing but, […]

Read More

Whilst you do everything to buy cheap car insurance, there are several other mistakes that would still cost you heavy premiums. It is observed that UK motorists are making silly mistakes that push their car insurance cost to astronomical heights. Some of the common mistakes are modifying the car, record of accidents, speeding and road rage. Unfortunately, if you show any irresponsible behaviour while driving then you can end up paying heavier insurance on the next renewal of your policy. Apart from that there are some other common yet significant mistakes that plump up your motor insurance cost. Five common car insurance mistakes that cost you: No black box policy: Yes! Telematics car insurance is all you need to cut down on premiums. The black box will give all your driving details to the motor insurance provider showing them your responsible driving style. For good drivers, black box insurance is […]

Read More

There is not an iota of doubt that car insurance premiums have seen a huge high in 2017 but there can be a sigh of relief in 2018 if the UK government reverses the Ogden rate calculation, which proved to be the major reason for increase in motor insurance costs. In a nutshell, the Ogden rate plays a significant role in compensation payment for life-threatening injuries. In March 2017, the Ogden rate was changed from 2.5% to -0.75% which had a straight effect on the car insurance premiums. As the insurers were made to pay higher pay-outs, the price of compensation was in-turn passed on to the car insurance policy holders. This had a negative impact as motor insurance premiums which got inflated by a huge margin. Basically, the Government’s decision to change the Ogden rate increased the average motor insurance premiums by £75. Motor insurance experts also had the […]

Read More

When purchasing a car insurance policy, it appears perfectly legitimate that you could be charged a greater amount if you were involved in a crash recently where the blame lay with you, or you resided in an area where car theft was the norm. However, how insurers price risk in the UK is so intellectual it considers all kinds of other factors that are arguably not very reasonable on the consumer. Being involved in an accident where the fault was the other drivers may still see your premiums regardless with some insurers, where the justification for the increase is based on the statistics. Seemingly, those involved in car accidents – even when not their fault – have a greater chance of becoming involved in suture accidents.  Clearly, though, anybody who has had an accident which was not their fault feels upset to notice their own insurance premiums rise in the […]

Read More
Compare Car Insurance Providers and Save Up to £200

Social