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When a motor insurance quote leaves you sick as a parrot

Thursday, February 17th, 2011

http://www.motorquotedirect.co.uk/car-insurance-blog

What have politicians and professional footballers got in common? No, it’s not what you think! You may be forgiven for thinking the answer is that they both get an awful lot of money for doing very little, and you may well be right, but the answer according to a survey by a leading motor insurance provider is that they are two of the leading professions when it comes to committing motoring offences.

Top of the league

The insurance company reports that professional footballers are indeed top of the league when it comes to motoring offences with almost 1 in 3 having acquired points on their driving licences. Everyone knows the profession is a point’s led business but the points many of the players are accumulating in these circumstances may well leave them sick as a parrot.

Of course top professional footballers have a reputation for earning big money and driving big cars, well it seems for sure that a lot of them also get big car insurance quotes when their policy is up for renewal.

Hot air

Politicians also managed to get in the top ten, finishing in seventh position. Approximately 1 in 5 of our MPs and policy makers has points on their licence, which is about double the national average. In their profession it is probably not so much about accumulating points as making them. Obviously some of them or making more points on their travels than they do in the Houses of Parliament. Whether the hot air coming out of their cars exhaust is comparable to the amount they generate in Westminster is of course an entirely different matter.

Up there at the top of the table with the Footballers and MPs were media types in the guise of sound editors and cameramen and perhaps not surprisingly travelling salesmen who spend a lot of their working day in their vehicles.

Best behaved

The professions with the best behaved drivers are au pairs who are probably mindful of children in their vehicle, driving examiners who obviously practice what they preach and cardiographers who obviously put their heart into it!

Overall 1 in 10 drivers in the UK have points on their driving licence and all will discover they have to pay more for car insurance cover when the time comes.

Tags: Car Insurance, Car Insurance Application, motor insurance quote
Posted in Car Insurance, Car Insurance Claims | No Comments »

Car Insurance Guide

Friday, June 5th, 2009

Our guide to car insurance contains all you need to know about finding the right type of motor insurance policy, how to lower the cost of your premium and what to do in the event of a claim.

If you want to go directly to another section of our guide to car insurance, you can click on one of the links below:

Car insurance is almost certainly the financial product most commonly held by consumers in the UK, with the possible exception of a bank or savings account. This is hardly surprising: if you drive a vehicle, insurance is compulsory.

In theory, this ought to make everyone a car insurance expert, able to get the best deal on their motor cover.

Yet too many of us tend to stick with the same insurer for too long and end up paying hundreds of pounds more a year than we need to. We only change policies when premiums become very noticeably too dear.

Conversely, we pat ourselves on the back because we have found ultra-cheap car insurance – only to discover that when we make a claim, certain items were never covered under the terms of that policy.

Shopping around is the starting point for anyone who wants the best car insurance deal. Our car insurance comparison tool allows you to search for and compare quotes from more than 60 top insurers and brokers in the UK.

But knowing how motor and car insurance works can help you get an even better deal – not just on price but in terms of the service you may need from your insurer. This guide is designed to help you achieve that.

It tries to answer some of the most typical concerns of motorists: everything from explaining how your quote is set and tips on how to cut the cost of your cover, to the various steps involved in making a claim.

Tags: Car, Car Insurance, Car Insurance Application, Car Insurance Policy, Insurance Cover Types
Posted in Car Insurance, Car Insurance Claims, Car Insurance Cover Types, Cheap Car Insurance | 3 Comments »

Young Driver Car Insurance Guide

Friday, June 5th, 2009

If you’re a young driver and/or inexperienced, looking for car insurance can be a rather frustrating experience. Some insurers will quote very high premiums; others may not even insure you on a particular vehicle, it can sometimes feel like you’re banging your head against a brick wall.

What can you do?

Motor Quote Direct has put together some helpful tips on how you can lower your insurance premiums if you’re any of the following:

A new driver.
A young driver.
A driver in their early 20’s.

Why are premiums so high for new drivers?

Firstly it’s important to understand why insurance companies are quoting you high premiums.

New or younger drivers are statistically more likely to be involved in an accident.
Around 30% of deaths on UK roads are caused by young drivers in the 17 – 25 age bracket.
Young drivers are likelier to have their cars broken into or to be victims of vandalism.

How can younger drivers get cheaper car insurance?

Your insurance premium is based on your risk. So if you are less likely to be involved in an accident, be the victim of theft or vandalism then you’ll find your insurance premiums will naturally be lower. As a new young driver there’s nothing you can do about being in the risky age bracket nor can you do anything about being less experienced.

The only bits you can focus on to reduce your premiums are things like:

Pass plus scheme. Some insurers offer discounts to young or new drivers that have achieved the pass plus certificate.
The type of car you drive. Cars with large size engine, turbo charged or sports cars, modified cars are all going to make your premiums go through the roof. It’s important to think conservative, 1.1 litre 3 door hatchbacks with no modifications, that’s more like it!
Where you park your car. If you park your car on the street it’s more likely to be broken into than a car parked in a drive or a locked garage.
When you use your car. Think about when you need to use your car, some insurers offer lower premiums to young drivers who agree to use their cars during the day and not between the hours of say 8pm and 5am.
How you drive. Remember to drive carefully and try not to get any points on your license as this will cause your premiums to increase whatever your age.
Getting insured under your own policy – In the long run it’s best to get your car insurance in your own name rather than be added to your parent’s. This means you will start to build up your own no claims bonus and in the future your premiums should be a lot cheaper.

Tags: Budgeting, Car, Car Insurance, Car Insurance Application, Car Insurance Quote, Young Drivers
Posted in Car Insurance, Car Insurance Application, Cheap Car Insurance, Savings, Young Drivers Car Insurance | No Comments »

Where to Get your Car Insurance?

Friday, June 5th, 2009

You are already at our website so you are probably aware that shopping around is a great idea when looking for car insurance. There are many ways to obtain car insurance quotes, the pros and cons of each of the major routes are explained below.

Go to an Insurance Broker
A Broker is an intermediary who searches a panel of insurers in order to get a quote for your insurance. They make their money directly from the insurers as they are paid a commission for each policy they sell.

The advantage with using a broker is that they do all of the searching for you, and in the event of a claim will act on your behalf. However, it is worth noting that a broker may not necessarily be able to offer you the cheapest policy.

Go Direct to the Insurance Companies
You can, of course, opt to go directly to an insurance company. However, if you do decide that you want to shop around, it can be time consuming, visiting several websites and obtaining quotes from each one.

Comparison Services
With a comparison service, you enter your details once, and the comparison software searches all of it’s partners (i.e. insurance companies and brokers who are signed up) to find the cheapest quote. You then purchase your policy direct from the insurer or broker.

The advantage is that it is quick and easy to get quotes from a variety of insurers. However, some insurers do not sell via comparison services, so you will not be searching the whole of the market.

Tags: Auto, Car, Car Insurance, Car Insurance Application
Posted in Car Insurance, Cheap Car Insurance | No Comments »

A Guide To Women’s Car Insurance

Thursday, May 28th, 2009

Until about 10 years ago, cheap car insurance for women drivers was not a priority for most insurers’. Today, women can get some excellent deals on their motor insurance, but as with most things, you have to shop around to find the best prices.

Below is a short guide to help women find the cheapest car insurance deals.
Car insurance prices seem to be considerably lower for women than they are for men and this is especially noticed up to the age of 45. When drivers hit this age the price of their car insurance begins to level itself out.

The Facts about Car Insurance for Women
Statistics in the UK show that women are safer drivers than men and insurance premiums are partly based on these statistics. Below are some of these figures:

Government figures show that over 92% of driving convictions in the UK are for men.
Male drivers are responsible for 98% of all dangerous driving convictions.
It is proven that women tend to drive more slowly, carefully and shorter distances than men.
Even though women have the same amount of accidents a year as men, the accident is less likely to be as severe. This means that women drivers overall claims experience are a lot better than that of male drivers.

Cheaper Car Insurance for Female Drivers
All the advice given in our main car insurance guide applies as equally to women as it does men; however here are a few more tips and tricks on how to get the best and cheapest car insurance deal if you are a female driver:

Purchase a car that has a small engine or is in a lower insurance group. To see what insurance group your car is in click here.
If you are a new driver you should definitely consider taking out your own policy rather than being a named driver on someone else’s. Yes it will be a bit more expensive, however in the long run your insurance will be cheaper because you can build up your no claims bonus. A 1 year no claims bonus will give you a 30% discount on your premium.
Try to avoid modifying your car. These modifications include alloy wheels, body kits, sport exhausts, engine modifications, etc. These modifications, even if really small, can increase your premium drastically.
Adding additional security features to your car can lower your premium. Security features such as immobilisers, central locking, car alarms, etc can really help save you money.
If you only use your car for short journeys then try and estimate what your annual mileage is because putting a cap on your mileage can get you a further discount on your premium.
Some insurers specialise in offering car insurance for female drivers so look out for these insurers to save even more on your car insurance.
Older drivers should avoid putting young drivers on their policy as named drivers as this will increase your premium drastically.

Tags: Budgeting, Car, Car Insurance, Car Insurance Application, Car Insurance Claims, Cheap
Posted in Car Insurance, Women's Car Insurance | No Comments »

How to make a car insurance claim.

Thursday, May 28th, 2009

If you need to make a claim then this simple guide can help you. Millions of pounds are paid out each year for drivers in accidents or who have had their car damaged or stolen.

Inform your insurance company as soon as possible.
Write down an account of what happened which you can later refer back to when writing up your claim.
If your claim is in relation to a crime such as theft or arson, inform the police as well. Your car insurance company will need to know an incident number if you are reporting a crime as well.
Make sure you ask your insurer what you need to do next so you can provide evidence about your claim. Make sure your story is consistent – you don’t want to risk the insurance company thinking you’re lying.
Keep all your documents relevant to the claim in a safe place and make sure you are available to be contacted by your insurance company.
Keep copies of receipts for damages and any correspondence which affects your claim. When you speak to someone on the phone make sure you get their name and telephone extension for your records.
Don’t take your car in for repairs until you have sorted everything out. Your car insurance company is likely to recommend a garage to you and it is safer for you if you take it there. Don’t make any repairs to your car until your car insurance company has agreed to pay for it.

Tags: Accidents, Car Damage, Car Insurance, Car Insurance Application, Car Insurance Claims, Cost Management, Fully Comp, Fully Comprehensive, Legal
Posted in Car Insurance, Car Insurance Application, Car Insurance Claims | No Comments »

What do I need to apply for car insurance?

Thursday, May 28th, 2009

In order to get an accurate quote for your car insurance please ensure you have the following information:

Car Registration number, plus make and model
Post Code
Number of years of no claims discount
The details of any other drivers who you wish to include on your policy
Estimated annual mileage
Full details of claims or convictions in the last three years

Liability and legal requirements

You are obliged to disclose any detail which may be considered of importance to your insurer. Failure to do so may affect your ability to make a claim.

Therefore, if your circumstances change in any of the following ways you must inform your insurance company in order to ensure you are still covered:

If you move home
If the named drivers on your policy change
If you modify your vehicle
If you change your vehicle
If you exceed your limited mileage

Tags: Car Insurance, Car Insurance Application, Insurance Cover Types, Legal, Quote, Third Party
Posted in Car Insurance, Car Insurance Application | No Comments »

How to get cheap car insurance.

Thursday, May 28th, 2009

Obviously one of the best ways to save money is to shop around to make sure you’re getting the best deal. But the factors below can make a big difference in the premium you pay:

Mileage

Yearly mileage is usually a key factor in deciding the cost of your motor insurance premium. If you travel a lot then you will pay more. Keep your insurer up to date on your annual mileage.

Learner Drivers

Pass Plus is a great way to lower your insurance premiums. Insurers want to see you are a competent driver so passing your test can be added to by taking extra advances lessons. Your premium can be cut by up to 35% if you have an advanced driving certificate.

Alarms and Immobilisers

If you have alarm systems and / or an immobilizer fitted then you are less likely to have your car stolen which reduces your premium. There are some alarms and immobilisers which cut your premium more than others so check with your insurer before you have one installed.

Car Modifications

Modifying your car can add costs to your premiums.

Paying Monthly

If you pay monthly, you will be paying more because you will be using a credit service to pay for your insurance. Some companies charge fees of up to 29% APR for this service so consider paying your premium annually.

Main Drivers

Who you have as the main driver will affect your policy. If you share a car with someone and they have a cleaner driving license then put them as the main driver to save yourself money.

With insurance you get what you pay for, so make sure you’re not paying for ‘benefits’ that you don’t really need:

Courtesy Cars

You will be paying for this privilege (via your premium) so consider whether or not you really need it.

Legal Protection

It is a good idea to be covered in the event that you have an accident which wasn’t your fault and want the chance to claim back any uninsured losses. However, remember legal support is only granted if you have a good enough case.

Roadside assistance and breakdown cover

Do you need this? You may find that you can get cheaper breakdown cover from elsewhere.

Policy Excess

If you are willing to pay a larger excess then your insurance premium will be lower. Voluntary excess is different to compulsory excess to make sure you read the fine print.

Personal Injury / Belongings

Does your cover include personal injury claims and claims on personal belongings? If so, you may need to consider the costs.

Legal Advice

Does your insurance offer legal advice and medical counselling telephone lines? This may also cost a little more.

No Claims Bonuses

You will need to find out if your no claims bonus will be affected if the accident wasn’t your fault. You can also look into whether you can transfer a no claims bonus which was built up while driving on somebody else’s insurance.

You may also want to look into the no claims bonus scheme and how many claims you are allowed before your no claims bonus is affected.

Tags: Budgeting, Car, Car Insurance, Car Insurance Application, Car Insurance Claims, Cheap, Cheap Car Insurance, Comparison, Cost Management, Quote
Posted in Car Insurance, Car Insurance Application, Cheap Car Insurance, Savings | No Comments »

Posts Tagged ‘Car Insurance Application’

When a motor insurance quote leaves you sick as a parrot

Top of the league

Hot air

Best behaved

Car Insurance Guide

Young Driver Car Insurance Guide

Where to Get your Car Insurance?

A Guide To Women’s Car Insurance

How to make a car insurance claim.

What do I need to apply for car insurance?

How to get cheap car insurance.

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