Car Insurance - Page 1
1. Driving School Insurance
There are specialist insurers for both driving schools and individual driving instructors. The size of your driving school will determine what type of insurance is best for you. One thing in your favour in the expensive world of insurance is that driving instructors are known by insurance companies to be good drivers. So, if you only...
2. Classic Car Insurance
Almost all insurance companies provide a completely different design for covering classic cars, which is distinctly called classic car insurance. Before you apply for this type of policy though, you need to know whether your car qualifies as classic and if it does, then for which category. As per UK Governments' Revenue and Custom...
3. Japanese Car Insurance
Japanese cars are, no doubt, one of the best cars running on the roads of UK. What makes them stand distinct from other cars is their wide array of features and specifications at comparatively cheaper price. However, lower price of these cars have their own costs. Some of the Japanese cars are not built according to European standards...
4. Learner Driver Insurance
First of all it, is very important for you as a learner to hold a valid provisional driving licence before you start to drive. Failure to have one is an offence according to UK laws. You can apply for your provisional licence online from government site (DirectGov) or by using the Driver and Vehicle Licensing Agency's (DVLA) one or...
5. Over 50 car insurance
When seeking to renew or take out car insurance age, driving experience and time you have held a valid licence all work in your favour. Many people believe that under 25’s get a bad deal in car insurance premiums but the age which car insurance companies find less risky to insure is actually 50 years and over. One of the reasons...
6. Wedding car insurance
With so many things to organise before the big day, having proper insurance for the wedding may seem unimportant but we take a look at why it could save the day. Every bride’s nightmare is that the car will break down, not turn up or crash on the big day. By having wedding car insurance in place you can be sure that you will be...
7. Car insurance for foreign licence holders
In most cases when you start driving in the UK on a foreign licence, it is usually because you have come here for work or study and plan on becoming a resident. If you are, then car insurance is much easily obtained whereas if you are here temporarily, on a holiday for example or if you intend on driving on another foreign licence, then...
8. Car accident settlement
If you have ever been involved in an accident, you will know how time consuming it is and how hard it is to get the result you are looking for. If you are at fault and accept liability, then the claim can go through quickly without getting nasty but if no one accepts the blame, then it can drag on for years.
Sometimes you may be...
9. Trainee driving instructor insurance
If you have received your pink trainee instructor driving badge, you only have 6 months to put it to good use before it expires and will have to continue the last part to become an ADI (Approved Driving Instructor). If you choose to teach students how to drive to gain some experience before becoming fully qualified, you are able to do so...
10. Drive away insurance
There seems to be an insurance policy for all aspects of driving, so is driveaway insurance really necessary? Many people do not even think about it when they are getting a new car from a dealer and are more focused on getting the car back home than thinking about the consequences that this little overlooking car have.
When would you...
11. Courtesy car insurance
If you have courtesy car cover as an extra on your insurance policy, this can be a lifesaver especially if you have children to drop off school or rely heavily on your car to get out and about to go to work. If you are to ever get involved in a car accident that was either your fault or not, your insurer will give you a courtesy car if...
12. Car Insurance Scams
As the recession bites, there have been more and more insurance scams than there were 3 years ago. This is another contributing factor to insurance premium rises. Although some of the scams are very old tricks, they are still used today and with so many ‘no win, no fee’ solicitors it’s easier to make a claim and...
13. Insurance for disqualified drivers
People can get driving bans for a number of different reasons - these include drink driving, totting up points, speeding, dangerous driving and driving under the influence of drugs. If you are disqualified from driving, you may face a ban of upto 10 years and be required to retake your test.
Under those circumstances, finding a cheap...
14. Banned Driver Insurance
A significant number of motorists find themselves in situations where they face huge car insurance premiums because they have been previously banned from driving. The disqualification itself may have arisen from dangerous driving, speeding, totting up points, drink driving or any other breach of the Highway Code. This makes banned driver...
15. Disabled Car Insurance
As we all know, even disabled drivers are allowed to have driving lessons in specially adapted cars for their disability. Although we don't see advertisements showing car insurance for the disabled, it is nevertheless a growing industry as more people with special needs decide to take on driving in an attempt to become less dependent....
16. Can you really get learner insurance from £3 a day?
Many learners are looking for the opportunity to be able to drive their own car (or their parents) for more driving practice to help them pass their test. Knowing that car insurance is a must, not only for legal reasons but also because of the chances of them doing something wrong and them being liable for loss or damages, they are...
17. Business Car Insurance
The most common car insurance policy that most people buy offers protection for social, domestic, pleasure (SDP) use and commuting. This is enough for many of us as it also allows us to use the car to travel to work. The assumption here is that you have a fixed place of work and when you’re working, your car is parked somewhere...
18. 52 Days Free Car Insurance
Everyone likes a good discount or free stuff thrown along with some purchase. It makes you feel like you’re getting a very good deal indeed. Sometimes it’s the little extras that you get that make you buy a certain product or service. This is true for many things and car insurance is one of them. Who wouldn’t want to...
19. Multi Car Insurance
Having a car is undoubtedly a necessity in this modern day and age. While most people own just one car, there are some families who have two or more cars in their household. Of course, if both the husband and wife need to drive to work and have to go separate ways, you cannot rely on one of them to drop the other. Circumstances like this...
20. Second Driver Insurance
There are times when becoming a 2nd driver on an insurance policy makes more sense than being the principal driver. This can sometimes lead to reduced premiums especially if the additional driver is female. Getting second driver insurance is an option which you can choose if you want to save money whilst still being able to drive...
21. Accidents driving in snow
In the UK, when it snows everything grinds to a halt; the local authorities just don’t know how to cope. Every year they promise that the following year they will plan better to aid motorists and passengers who need to use public transport but they never do. This year we have had snow twice - first in February and again in...
22. Under 25 Car Insurance
Age plays an important role in determining the cost of car insurance for two main reasons. First statistics show that younger drivers drive more recklessly and are therefore more prone to accidents. Second, as people get older, they mature more and tend to have more responsibilities and are thus more careful when driving. This is why car...
23. Green Car Insurance
Everywhere you go these days, be it at your local supermarket or the airport, you’re bound to see signs about “going green”. So what’s this hype all about now and what has green got to do with car insurance? It’s not just the name of a new insurance company I can assure you but it’s rather a...
24. Protected No Claims Discount
Car insurance is such a delicate thing – it takes a very long time to earn the trust of insurance companies and just when you think you’ve finally made it to the VIP club who pay cheap premiums, all that is taken away from you in the blink of an eye. You can scream as much as you want at how life is unfair but the reality...
25. One Day Car Insurance
With an increasing number of vehicles on the road, it has become more necessary than ever to drive with adequate car insurance in place just in case the unexpected and most dreaded thing happens while you’re on the go – an accident! Of course, there are many situations where someone who needs to drive doesn’t have the...
26. Car insurance and natural disasters
When purchasing car insurance, how many people actually take the time to sit down and read all the terms and conditions properly? A minority perhaps! Although we all know the different levels of car insurance cover, do we really know exactly what is covered under each policy? Would your insurer pay out for a claim that's been caused by...
27. Car Insurance Claims
One of the most frustrating things when involved in a car accident is the process of making a claim through your insurance company. All companies have their own policies on how they handle claims and although filing the claim can be straightforward, it can be a long wait before you hear anything afterwards. If you’re lucky, your...
28. Performance Car Insurance
One of the first things we must think about when purchasing a car is insurance. Driving without insurance is illegal and if caught you could be faced with a fine and a ban. As people get older and wealthier, they tend to choose higher specs cars to reflect their status and stand out from the crowd. For these super fast or heavily...
29. Car rental insurance
The common misconception when hiring a car is whether or not you need to buy car rental insurance. Most people don’t read the terms and conditions when they rent a car; if they did they would find that although you are covered under Collision Damage Waiver (CDW) and theft if the car was stolen or involved in an accident you would...
30. Drug Driving Car Insurance
Driving under the influence of drugs is dangerous and everybody knows that. If you’ve been lucky enough not to have been in a life-threatening accident but unfortunate enough to have been caught by the police, then another unpleasant surprise awaits you in the form of higher car insurance because of drug driving.
Taking illegal...
31. Women Car Insurance
As we all know women’s car insurance has always been cheaper when compared to men. It has been said and proved that men are careless and impatient when they drive. The risk of a woman being involved in an accident is 15% while that of a man is at an alarming 85%; statistics show that women are safer drivers but they have just as...
32. Car Insurance for Named Driver
A car insurance policy can have multiple drivers – the main driver who is called the policyholder and additional drivers (as many as you want) who become named drivers on the policy. However named driver insurance can have implications and you’ll find out what they are soon.
Most people will consider becoming a named...
33. Insurance for driving instructors
Teaching absolute beginners how to drive is a very risky business as learners have yet to master clutch control and emergency stops among many other things to make them safer drivers. This is why driving instructor insurance is a must for people working in this industry to ensure adequate cover is available in the event of...
34. Getting cheap insurance when you have convictions
In today’s world, it is becoming extremely rare to find a person with a clean licence. If you’ve have convictions on your licence because you have committed a motoring offence, it doesn’t necessary mean that you are a bad person and you shouldn’t be able to find cheap convicted driver insurance. After all, you...
35. Cheaper Car Insurance for Students
Whether you’re still studying at college or leaving home for University, getting car insurance for students like you is not an easy task. At this point in your life, you are either working part-time in McDonalds and earning a little bit of money or not working at all and relying on EMA (Education Maintenance Allowance). So you...
36. Cheaper Premiums for Female Drivers
Being a woman can sometimes have great benefits like getting cheap car insurance deals just because of your gender. In fact, insurers have realised that female drivers are more careful on the roads and seem to have fewer accidents than men in general.
Statistics gathered over the years have shown that more than 80% of speeding...
37. Does the policy holder need to be the registered keeper?
If you’re shopping around for car insurance, you are more likely to come across questions asking whether you are the registered keeper of the car you want to insure and whether you are going to be the policy holder as well. Therefore before you can fill out the insurance application form as accurately as possible, you will need to...
38. How to get car insurance when you're on a budget?
Times are tough these days as the financial crisis is kicking in slowly and most people are already feeling the pinch. Some people have stopped using their cars because of high petrol costs while others are struggling to make ends meet in that respect. If after planning your bills you find that you are only left with little money to...
39. Learner insurance - Available for short term periods!
The scarcity of information available to learner drivers is the main cause for confusion and misconception that learners need to get an annual insurance policy for them to be able to practice driving. Contrary to that, there exists a short term policy from Collingwood Learner Driver Insurance which allows the learner to drive his/her...
40. Cheap car insurance for young drivers
The pride about having your own car and being able to drive can be attributed to the fact that it shows a certain level of independence. This is why most young people tend to learn how to drive at the age of 17, which is the minimum age requirement by law. After much determination, they manage to pass their driving test hoping they've...
41. Where can I get free car insurance offers?
If you want to get a free car insurance offer, then it is most likely that you will need to buy a new car to be eligible for it. These types of offers are made throughout the year among car companies and dealers in order to attract more customers to buy newer car models or to get rid of old stock so that they can make room for the new...
42. Short term insurance for provisional drivers
You’ve just received your green provisional licence through the post and you’re now excited to get behind the wheels for some driving lessons. The first thing you will need to do is find yourself someone to teach you how to drive. Okay, here are your options: contact the local driving schools in your area, go with a private...
43. What is Halal car insurance?
There’s been some good news in the car insurance industry for the Islamic community as Salaam Insurance introduces the UK first Halal Car Insurance product which is in line with the faith of Muslims as it is Shariah compliant. Before its introduction, Muslims had no choice other than to take any other car insurance cover to abide...
44. The different types of car insurance policy available
Selecting and paying for car insurance is hardly the most exiting or interesting part of being a driver but the law requires you to deal with it, so it is an unavoidable part of being a motorist. There are several thousand insurance companies operating in the UK, all of them use similar terms to describe what they do, and the types of...
45. Car insurance for just 1 month
Most insurers will give you a yearly quote for car insurance when you start shopping around and people will need to fork out at least £600 on average to get their car insured. Some may be able to pay this amount in one go and others who are struggling to make ends meet will have difficulty in finding this sum to pay all at...
46. What is gap insurance and why do we need it?
You have probably never heard of Gap insurance as it is not required under law to enable you to drive a car on UK roads, and you may have never considered how it might help you if your car is for example written off in an accident.
Why would you need more insurance anyway, you paid a good amount of money for a third party fire and theft...
47. Does car colour affect insurance quotes?
When you go out looking for a shiny new motor, you have lots of things to think about - fuel economy, practicality, equipment, added extras and of course price. One thing that usually only gets a slight consideration is colour. According to the AA only 3% of women and just about 1% of men think that colour is an important factor when...
48. Will my car insurance increase if I import a car?
There are a number of reasons why you would want to import a car. Firstly you will be saving a substantial amount of money by importing. For example, if you import a car from Japan to the UK, then you would be paying a fraction of the price even after the import costs. Secondly, you might have relocated and want to drive in a foreign...
49. Do I really need car insurance for a test drive?
A car is an important asset for anybody and it makes our rather difficult life somehow easier – no need to carry heavy bags of shopping from the supermarket; you enjoy travelling more because it is your private vehicle and you don’t have to put up with inconsiderable, arrogant and disgusting people that you see on public...
50. Car insurance quotes after drink driving
Insurance companies don’t just randomly decide the amount you pay for your car to be insured. Highly paid specialists called actuaries make complicated statistical calculations based on many variables such as where you live, how old you are, the type of car you have and so on. That way they can take an educated and fairly accurate...
51. Do you need temp cover for a one-off drive?
Over the last few years, temporary car insurance has become extremely popular because drivers have recognised that they now are more at risk on the roads with the ever increasing number of new drivers and careless ones, so driving without appropriate cover is a big NO-NO. Consequently the number of companies offering this type of...
52. Purchasing car insurance for the first time
You've probably heard that there's a first time for everything, well the same applies for car insurance. At some point in your life, you will need to buy your first car insurance ever and it might sound like a daunting task initially but if you do your research well, you should be fine.First time car insurance will be sought by people...
53. Buying car insurance for a short period only
Ever wondered whether you could get a temporary car insurance cover for that estate car you need to borrow from your friend to help you move houses? Well you will be glad to know that such a short term car insurance policy exists! So instead of driving without car insurance hoping nothing bad will happen, put your mind at peace and get...
54. Shopping for car insurance for an 18 year old driver
The day you turn 18 is a memorable day for you because
you've now reached a milestone in your life. You are legally an adult and can
from this day onwards make your own decisions and do not require anyone to sign
on your behalf.
If you're been wise, you would already be holding a driving license for a year
now since you are...
55. Choosing the right car insurance for a 17 year old driver
The legal age to start driving in the UK is 17. Most young adults who would be celebrating their 17th birthday very soon would have already applied for their provisional license and seeking to learn to drive with a qualified instructor. Usually after a couple of months of learning, they would have succeeded in their driving test and...
56. Finding car insurance for provisional license holders
While getting cheap car insurance for new drivers has become an increasingly difficult task these days, obtaining insurance cover for learner drivers holding just a provisional license proves to be next to impossible. Since these learner drivers have yet to master the art of driving, they are therefore considered as the highest risk...
57. The cheapest car insurance deal for young and new drivers
So what are the best car insurance deals for young or new drivers at the moment? Well I've done a case study to see which company is offering the most competitive quotes among all the so-called 'cheap car insurance providers'.Case Study (Updated 29 January 2008):John Smith is an 18 year old male student (date of birth 11 Jan 1990) who...
58. Is car insurance fronting morally right?
I sometimes ask myself whether it is worth doing something morally right or financially wise in this society of ever increasing prices. Take for example this 17 year old male who has just passed his driving test and is eager to get behind the wheels. He has spent roughly £900 on the 40 hours driving lessons which the DSA recommends,...
59. Companies which let you build no claims bonus as a named driver
A named driver is a person who is legally allowed to drive the same vehicle as the main driver and whose name has been registered on the car insurance policy for that particular vehicle. The main driver of the car is the one who will be using the car the most and will therefore become the policyholder. You can add other drivers on the...
60. List of the cheapest cars to insure
Car insurance can be really expensive, especially for new drivers who have just passed their driving test. So whether you are a young driver or an older driver who just got your driving license, you will probably struggle with high insurance premiums for the first few years until you build your no claims bonus. Until then, what you can...
61. Insuring your car for the weekend
There are times when we need to borrow somebody’s else car just for the weekend and it is very tempting not to get weekend insurance cover because we think it is going to be for a little while only and chances are that nothing will happen during that short period of time and we'll probably get away with it. Well unless you’ve...
62. Factors influencing car insurance quote - Part 2
Continuing from the previous article on the factors which affect your car insurance quote:Comprehensive, Third Party, Fire and Theft or Third Party only?As the name suggest, Third Party Only covers any damage you do to another vehicle and NOT your own, which is why this type of insurance is the cheapest of all. It is most appropriate if...
63. Factors influencing car insurance quote
There are many factors which affect the quote you will receive for car insurance and if you want to get the best quote, you need to know what these factors are. You will be able to get cheaper car insurance if you understand how insurance companies work out quotes based on the information you provide them and the criteria that...
64. What to do if you're involved in a car accident?
If you are involved in an accident, the first thing you need to do is call the police. Do not attempt to move your car as this is evidence. Moving your car may result in a void claim, as supporting evidence will be lost if you are not at fault.
While waiting for the police to arrive, exchange details with the other driver. Always have a...
65. Getting cheap car insurance deals for young and new drivers
So you’ve just got your full driving license and you are excited knowing that you are now able to drive the car which you’ve barely managed to buy. Well don’t get your hopes up too soon because the moment you start looking for cheap young driver car insurance, you’ll start pulling all the hairs on your head off....
