car insurance tips

There are various things that a motorist can do to obtain the best possible car insurance deal. Value of the Car The value of your car is a strong factor in deciding the type of insurance you need. Typically, cars valued under £1000 will find the third party, fire and theft category to be the best option. This type of insurance covers you from claims made by another motorist and you can make a claim if your car is stolen or burnt in a fire. Moreover, motorist with classic or high performance cars may be better off considering a specialist type of insurance which has added benefits such as original parts cover. Remember, a classic car could go up in value but all the nuts and bolts have to be of the original. Your age Young drivers often find it difficult to get cheap insurance deals. However, they can look […]

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Does car insurance jargon leave you confused? Read our essential guide of terms to help you. Certificate of insurance This documentation certifies that the car insurance you have is legitimate and is issued by the insurance company. All specific details relating to the premium will be outlined in full so keep it safe. Comprehensive car insurance Comprehensive policies are all-inclusive and will insure your vehicle against accidents that occur due to a fault of your own or another. Most come complete with fire, theft, and even weather damage. Premium The insurance premium is the sum of money that is owed to the insurance company from the policy holder. How this will be paid and at what intervals is agreed between the two parties involved. Claim A claim is the process by which an insurance policy is activated due to a cost incurred through a medium covered by the policy e.g. […]

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If you are planning to buy a car insurance cover, then it can be a really frustrating task. The reason would be the big time confusion due to the numerous providers that offer various deals on motor insurance cover in the UK. Nonetheless, it is very important to have car insurance cover as this is a legal requirement and your best finance assistance in case you meet with an accident. Predominantly, there are three kinds of motor insurance in the UK. Read on to get some details about each! Types of car insurance covers: Third party car insurance: Well, if you are driving a car then this is the minimum level of cover required by UK legislation. This is the basic type of cover which pays for the damage caused to other vehicles if your car meets with an accident and you are at fault. This means that this cover […]

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Why do I need child seat insurance? It may be of benefit to you to take out child car seat insurance to cover you in the event your child’s car seat was damaged in an accident. Child safety is an overriding factor when driving and child car seats are expensive. Taking out adequate child seat cover will save you the cost of buying a new one in the event your vehicle is involved in a collision. Remember, too, that the parents of other children you may be driving might ask you about your level of car insurance. Is child car seat cover included in my policy as a standard feature? It is not a good idea to think a child car seat is automatically covered as a standard feature on your car insurance. The seat should be replaced after an accident, even if there are no obvious signs of damage; […]

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Most drivers will be aware of the law that states any passenger must wear a seatbelt, and that it is the responsibility of the driver to ensure this law is upheld. If it is found that a passenger in a driver’s car is not wearing a seatbelt, the driver is legally at fault. What many drivers will not know is that this law also applies to your dog. Although it is a cute and funny sight, seeing a dog sticking its head out of the window, it is deemed dangerous due to the potential distraction to yourself and other drivers. It is also an animal safety issue; if an animal is not restrained appropriately, a sudden stop or sharp turn could lead to the animal being injured, or further distracting the driver. The problem will not stop at a legal issue, as insurance providers are suggesting that an unrestrained dog […]

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You’ve parked in a shopping centre car park, paid a man from a car wash company to clean your car and returned three hours later to find the car is scratched. So who is liable; the car washing company or your insurer? Well, a huge factor depends on the type of insurance you have. For example, research on 237 comprehensive car policies showed just under 50% would insure your car if damaged in the valet’s care, which could include car washing companies. This implies you aren’t immediately covered. Car wash and valet firms tend to have their own insurance to cover themselves against any unfortunate incidents but the amount of liability they would be willing to accept can vary greatly, since some may not cover damage or theft from your car. So if you want to recover the costs of damage, claiming a breach of contract or an act of […]

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