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Posts Tagged ‘Insurance Cover Types’

Winter tyres are becoming more important

Tuesday, January 11th, 2011

After a few weeks of snow and ice on the roads of the United Kingdom, drivers are at last starting to take winter tyres seriously. What is a legal requirement in the majority of most of northern Europe, winter tyres continue to be very misunderstood here in the UK. There are quite a few reasons why motorists may want to consider swapping over to winter tyres.

Probably the most common reason we hear in the UK as to why winter tyres are not needed is because we do not get enough snow to warrant paying out for more tyres. However, winter tyres are designed to be much more effective than regular tyres in any temperature under 7 degrees Celsius and on any road type. A cold weather tyre is designed with a bigger percentage of natural rubber and silica in the compound which does not harden up as much as synthetic rubber when the conditions turn cold.

Independent tests were recently carried out on winter tyres against summer tyres in icy conditions. From a speed of 10mph the winter tyre stopped in 6.4 metres, while the summer tyre needed over twice that distance to stop, finally coming to rest after 14 metres. Just imagine what the difference would be if the vehicle was travelling at the normal speed of 30 mph. Another false-truth driver’s hear a lot about, is that winter tyres are not needed if a car has ABS. This braking system is designed to allow steering to be retained while in an emergency situation, but it will not stop the vehicle any quicker than winter tyres will. Another reason given for not using winter tyres is a loss of ride comfort, or extra noise, but in truth modern winter tyres are every bit as comfortable as summer tyres, sometimes they can be more so. Winter tyres can also help reduce the chance of an accident in wet wintry conditions when accidents increase along with insurance claims.

It is no secret that modern cars have increased in weight, and with all that extra weight added problems occur when attempting to change direction or slow down. In these situations the tyres have much more work to do. To make the problem worse more cars are coming with overly wide sports tyres which have less chance of slowing a big heavy car. Fitting winter tyres should make your vehicle safer and make no difference to your motor insurance quote although there is a case for them to actually bring the quote down.

Tags: Car Insurance, Insurance Cover Types, Motor insurance, tyres
Posted in Car Insurance | 1 Comment »

Motoring body warns the stars

Friday, September 10th, 2010

The bosses of Formula 1 racing are attempting to extend their power of influence even further, with some controversial ideas that will affect professional drivers when driving on the open road. The results of which could see famous names such as Jensen Button getting a motor insurance quote just like any other member of the public.

Federation Internationale de L’automobile (FIA), the governing body of motor sport, is proposing to change its sporting code in such a way that the rulers of the sport can penalise professional motor sport drivers for motoring offences committed on public roads. It is thought the high profile arrest of Louis Hamilton in Australia earlier this year for a motoring offence could have precipitated the decision.

The proposals will include the requirement of all super licence holders to have a road driving licence and offences on the public highway could result in the loss of the super licence.

A statement issued by the FIA said “Competitors at FIA events must act as ambassadors for the sport, be aware their conduct on the road must be exemplary and respect road safety rules. A proposal to amend the international sporting code will be submitted to the FIA General Assembly to clarify that any holder of an International Super Licence must also be in possession of a current road driving licence. Additionally, the Code will be amended to clarify that if an International Super Licence holder is involved in a serious road traffic offence recognised by a national police authority, the FIA, depending on the severity of the case, may issue a warning or refer the matter to the International Disciplinary Tribunal, which may temporarily or indefinitely withdraw the competitor’s International Super Licence.”

Tags: Car Insurance, Car Insurance Quote, Fully Comp, Insurance Cover Types, Insurance Premium
Posted in Car Insurance | No Comments »

Fury Grows As Young Sports Car Drivers Feel The Heat Of The New Insurance Premium Hike!

Wednesday, June 10th, 2009

“Sports car owners under 25’s in an uproar about new insurance changes.”

June 10th 2009
Wimbledon, Greater London, United Kingdom.

Young sports car drivers are to feel the brunt of sweeping changes that were made across the car insurance industry in late May which see’s sports car owners that are under the age of 25 to receive higher premiums for their car insurance policies.

The impact of the changes see’s sports car owners under 25 now facing premiums upwards of £7000 a year, based on recent trends on sports car modifications.

In a claim from Uswitch.com, the speed modifications that were typically sought by the owners of sports vehicles increased the risk probability of claims against insurers. In an extract from the Insurance Times, it found that:

“

  • Go-fast extras add an average of £2,682
  • A spoiler hikes the premium by almost £700
  • A young driver’s car insurance could cost up to 223%of the value of the car
  • Adding GTI to a Peugeot 206 could push the cost of insurance up by £6,485
  • 17-21 year olds represent just 7% of all drivers but they pay 32% of UK annual car insurance bill
  • The average car insurance premium for a young driver is £1,730 – more than three times the national average premium of £512
  • Insurance premiums fall by an average of £4,002 between the ages of 17 and 27
    All drivers have seen their car insurance premiums rise by almost 10% in the last 12 months. ”

Insurance times

26th May 2009

In light of these claims, MotorQuoteDirect has reacted to attempt to curtail the new increase in expenses by providing online awareness and savings advice to young drivers with the launch of the MotorQuoteDirect Car insurance blog and offering free quote comparisons on sports car insurance at their website www.motorquotedirect.co.uk.

Source: http://www.insurancetimes.co.uk/story.asp?sectioncode=13&storycode=378568

Reference

MotorQuoteDirect are one of the UK’s leading insurance intermediaries based in Wimbledon. Established in 1965, we have over 40 years experience of providing quality car insurancecover at very competitive prices, covering all risks from young drivers to classic car owners and through our association with a large panel of UK leading insurers. To find out more information on their car insurance services, visit them today at http://www.motorquotedirect.co.uk.

©2009 Motor Quote Direct. All rights reserved. W E Bedford Insurance Services (Wimbledon) Ltd, 267-269 Kingston Road, Wimbledon, London, SW19 3FW is authorised and regulated by the Financial Services Authority. Our FSA Register number is 305737

Tags: Car Insurance, Car Insurance Quote, Comparison, Cost Management, Insurance Cover Types, Insurance Premium, Insurance Quote, Press Release, Sports Car, Under 25, Young Drivers, Youth Drivers
Posted in Car Insurance, Car Insurance Application, Young Drivers Car Insurance | 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:

  • A Guide To Car Insurance
  • Car Insurance Terminology
  • What Is Your Car Insurance Quote Based On
  • Keeping Down The Cost Of Car Insurance
  • The Different Types Of Car Insurance
  • Where To Get Car Insurance
  • What You Need To Apply For Car Insurance
  • Making A Claim On Your Car Insurance
  • What Happens If Your Claim Is Rejected

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 »

What happens if my car insurance claim is rejected?

Thursday, May 28th, 2009

Occasionally, insurance companies refuse to pay claims and can sometimes reduce the amount they are going to pay you. Usually, this is because of one or more reasons.

  • Clauses – You are not covered by a clause in the insurance policy and it would be better dealt with by another insurance policy i.e. home insurance.
  • In the event of a write-off – Your claim can also be reduced if your car has been written off and the value of the car is much less than what it would cost to restore it.
  • Supporting Information – If you do not have receipts for aspects of your claim for example theft of a laptop or iPod from your car then you are unable to make a claim.
  • Theft – Sometimes if an insurance company believes you were at fault for the theft of your vehicle or belongings inside your vehicle then you will not be able to make a claim.
  • Untruthful Information – If you have given inaccurate or untruthful information in relation to your claim then you are not able to make a claim.

What can you do?

  • Keep a record of all the conversations and correspondence in relation to your claim. This can really help with the success rate.
  • You don’t have to accept their offer. You can sometimes negotiate a better deal with your insurer in cases where you believe the sum they are willing to pay out is wrong. This can sometimes work well and you will get what you are owed.

If you are stuck and don’t know how to deal with something and you feel you are being treated unfairly by your insurance company then you can contact the Financial Ombudsman Service who are there to help.

You can either call the FOS on 0845 080 1800 or write to:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall

Or visit the website at: http://www.financial-ombudsman.org.uk/

Tags: Accidents, Car, Car Damage, Car Insurance, Car Insurance Claims, Insurance Cover Types
Posted in Car Insurance, Car Insurance Application, Car Insurance Claims, Car Insurance Cover Types | 1 Comment »

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 »

A Guide to Car Insurance Cover

Monday, April 20th, 2009

Which type of car insurance do you require?

There are three levels of car insurance cover – third party; third party, fire and theft; and fully comprehensive. When purchasing car insurance it’s important to choose the option which will afford you the cover that you need.

The three levels of motor insurance cover are described below – take the time to read and understand the difference between them to make sure you select the right type of cover.

Third Party

This option offers only minimum coverage. It covers you for:

  1. Injury to other people
  2. Damage to another person’s property or car
  3. Accidents caused by passengers

It does not cover you:

  1. If your car is stolen
  2. If your car is damaged in a fire
  3. If you damage your own car
  4. For medical expenses
  5. Loss or damage to personal possessions (which are in the car)

As this type of insurance offers only very limited cover, it is really only suitable for people who cannot afford more comprehensive cover.

Third Party, Fire & Theft

This offers the same coverage as third party, plus you are also covered in the event of a fire, or if your vehicle is stolen.

However it does not cover you

  1. If you damage your own car
  2. For medical expenses
  3. Loss or damage to personal possessions (which are in the car)

This type of cover offers a happy medium for those who cannot afford fully comprehensive cover.

Fully Comprehensive (‘Fully Comp’)

As the name suggests this type of insurance offers the same cover as third party, fire & theft; plus you are also covered if you damage your own car.

In addition to this you will also be covered for medical expenses, and loss or damage to personal possessions which are in your car.

Please note, not all fully comp insurance policies offer precisely the same benefits. For example, in addition to the coverage outlined above, some insurers also offer fully comp customers additional benefits like courtesy cars in the event of an accident or theft. Many also offer protected no-claims bonuses.

Before taking out any policy it’s really important to thoroughly check that the policy offers exactly the cover which you require.

Summary of Coverage

Third Party

Third Party, Fire & Theft

Fully Comprehensive

Injury to others Yes Yes Yes
Damage to other’s property or car Yes Yes Yes
Accidents caused by passengers Yes Yes Yes
Fire No Yes Yes
Theft No Yes Yes
Damage to your own car No No Yes
Medical expenses No No Yes
Loss or damage to personal possessions No No Yes

Tags: Car Insurance, Fully Comp, Fully Comprehensive, Insurance Cover Types, Third Party, Third Party Fire and Theft
Posted in Car Insurance | No Comments »

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