tag:blogger.com,1999:blog-86077852923836284992024-02-19T01:01:12.758-08:00Car Insurancelabahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.comBlogger11125tag:blogger.com,1999:blog-8607785292383628499.post-18465884725467974872010-03-19T10:09:00.000-07:002010-03-19T10:15:54.149-07:00Did you know that you’ll have to pay excess charges if your hire car is damaged or stolen? These charges could cost you up to £1,000 or more? This policy covers you for the total amount of excess for which you are liable if the car is damaged or stolen. Plus, the cover also provides the following protection. <div class="MainWhiteTile"> <h2>Benefits of Car Hire Excess Insurance</h2> </div> <div class="MainBlueTile"> <p> </p><ul><li>The policy insures all named drivers on the agreement, not the rental vehicle</li><li>Covers up to 7 additional drivers at no ad ditional charge</li><li>Provides cover for damage to windows, glass, tyres, undercarriage and roof of the car</li><li>Excess cover on damage and theft portions of the car rental up to £2,000 for any one incident</li></ul> </div> <p>Cover can be bought as an annual product allowing unlimited rentals (up to 31 days per rental agreement) or on a daily basis for just £4.50 per day!</p><p><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJH_W1sLQiMwrJc8zC2lebCK0v2ZVr3Ho2xgL63kigK8I5bD9jOg100FqwbZJTfLFKyf6nPYuNmobs0HwCu6driDDTkFNaxJszKXu7z_sKgIpvCLMq4rY0M-hiGOJ2uj1843esHnpl5AE/s1600-h/carHireTable.jpg"><img style="float: left; margin: 0pt 10px 10px 0pt; cursor: pointer; width: 356px; height: 121px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJH_W1sLQiMwrJc8zC2lebCK0v2ZVr3Ho2xgL63kigK8I5bD9jOg100FqwbZJTfLFKyf6nPYuNmobs0HwCu6driDDTkFNaxJszKXu7z_sKgIpvCLMq4rY0M-hiGOJ2uj1843esHnpl5AE/s320/carHireTable.jpg" alt="" id="BLOGGER_PHOTO_ID_5450393703163995762" border="0" /></a></p> <p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p>Policy terms, conditions and exclusions apply to all the above </p><p>Swinton act as an introducer to insurance4carhire.com & dailyexcess.com who will arrange your car hire excess insurance. Dailyexcess.com and insurance4carhire.com are trading names of Towergate Underwriting Group Ltd which is authorised and regulated by the Financial Services Authority. By clicking Quote, you will be directed to insurance4carhire.com or dailyexcess.com, who will arrange your quote and provide your excess insurance policy and their terms and conditions will therefore apply. Your future servicing requirements will also be dealt with by insurance4carhire.com or dailyexcess.com</p>labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com8tag:blogger.com,1999:blog-8607785292383628499.post-26183382836833119862010-03-19T09:56:00.000-07:002010-03-19T10:00:35.686-07:00<span style="font-weight: bold;">Improving safety and security</span><br />he Co-operative Insurance work closely with the experts at Thatcham to improve car safety and security.<br /><br /><span style="font-weight: bold;">What else can I do?</span><br />You can take a number of simple steps to stay free from the cost, stress and inconvenience of vehicle crime:<br /><br /> * Take valuables with you. If you can’t, then place them out of view in the boot or in a lockable glove-box. Make sure all electronic goods are switched off.<br /> * Always remove Sat Navs or other equipment from view and remove any cradle or suction marks that could give away the fact that they may be in the vehicle.<br /> * Immobilise and alarm your vehicle every time you leave it unattended.<br /> * When parking, watch for people loitering around cars, even if they are well dressed and don’t necessarily look like a ‘car thief’.<br /> * When locking your car using your key fob, always check that the vehicle has actually locked before you leave it.<br /> * Always park in a well-lit street or in a secure car park.<br /> * At home, leave your vehicle overnight in a locked garage, if at all possible.<br /> * Never leave your keys in the vehicle even for a moment, such as at petrol stations or to pop back into your house or office.<br /> * Keep your keys out of view in a safe place. At home, place them in a drawer away from doors, windows or the letterbox.<br /> * When leaving your vehicle, check all windows, sunroofs and doors are locked and use deadlocks, if fitted.<br /> * Plan your journeys in advance to avoid stopping in unfamiliar areas.<br /> * When driving, lock your doors and keep the windows closed.<br /> * If your vehicle doesn’t have an alarm fitted as standard equipment, then have a Thatcham listed alarm professionally fitted to your vehicle by a VSIB accredited installer.<br /> * Protect your expensive wheels and tyres by fitting Thatcham listed locking wheel nuts/bolts.<br /> * When buying a new or used vehicle, always use the Thatcham Star Rating to check its security levels.labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com0tag:blogger.com,1999:blog-8607785292383628499.post-87123252623592030812010-03-19T09:52:00.000-07:002010-03-19T09:54:02.738-07:00We could give you a cheap car insurance quote because we offer a variety of great car insurance discounts; making it easier for you to save time and money:<br /><br /> * Up to 70% No Claim Discount<br /> * Named drivers earn their own No Claim Discount<br /> * Up to 11% discount when you take out your car insurance online.<br /><br />We could lower your car insurance premium by as much as £230*. We’re cheaper than many top names, you can look at just how cheap we are compared to other market leader car insurance providers by viewing our car insurance comparison graph. Or why not find out if you could get cheap car insurance in minutes by entering your details in to our simple and secure car insurance quote tool and if you buy your car insurance online today your cover starts straight away and you could get up to 11% online discount.<br /><br />*Based on independent online research by Consumer Intelligence during January 2010. 10% of customers achieved this saving with The Co-operative car insurance.<br /><br />So why not get a car insurance quote today and start saving now!<br /><br /><span style="font-weight: bold;">Tips for getting cheaper car insurance online</span><br /><br />1. Increase your car insurance voluntary excess - Agreeing to pay more towards the cost of any accident repairs may bring down premiums. If you are not at fault in a car accident, the excess can be recovered.<br />2. Ensure that only regular drivers are named on the policy - You can always add someone to your car insurance policy for a few days when they really need to drive the car.<br />3. Protect your car insurance No Claim Discount - This will increase the car insurance premium by a few pounds, but may be worth it when compared to the potential loss of up to 70% No Claim Discount on a premium of several hundred pounds.<br />4. Reduce your annual car mileage - The fewer miles the car covers, the greater the saving. But you must be honest about your annual mileage, as an inaccuracy will jeopardise any claim.<br />5. Check your use cover - If you don't use your car to drive to work or for business you may be able to get a cheaper car insurance quote. We’ve also introduced pay a you drive car insurance aimed at younger drivers using a "black box" device fitted inside cars.<br />6. If you are thinking about changing your car, it may be worth getting a new online quote before you buy - The change in car model may have a significant effect on your car insurance premium. Sporty cars can attract a high premium and often a slightly different model or smaller engine can make a big difference in your favour. It will also probably save you on petrol too!<br />7. If your garage is full of junk, why not clear it out and use it for your car? - Aside from the benefit of not having to scrape the ice off in winter, there is a higher risk of theft by keeping the car on the road, so keeping it in the garage will be reflected in your car insurance premium.labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com0tag:blogger.com,1999:blog-8607785292383628499.post-19750170740191853232010-03-19T09:39:00.000-07:002010-03-19T09:46:26.824-07:00In most states, car insurance rates are likely to go up for at least 3 years if you are convicted of drunk-driving. You will also become familiar with SR-22. Different states use different terms for drunk driving: driving under the influence, driving while intoxicated or operating a vehicle while intoxicated. If convicted of any such offense, your insurance rate is likely to go up before you can drive again. If convicted of impaired driving in any US state, your driver privileges will be suspended for between 30 days and a year. To get your license and privileges back, you'll need to complete an SR-22 form to prove you have liability insurance. The insurance company will notify the licensing agency if the policy is terminated for any reason.<br /><br /><span style="font-weight: bold;">Premiums could multiply </span><br />When you receive your SR-22 form, your car insurance company will automatically consider you to be a high-risk motorist and increase your premiums accordingly. If convicted, you can expect your premiums to double or triple although some companies specialize in high-risk policies.<br /><br /><span style="font-weight: bold;">Not All Companies Offer SR-22 Policies </span><br />Some insurers don't offer SR-22 policies. In such cases, if convicted of drunk-driving, your policy will be canceled or not renewed This cancellation on your claims history will count against you when you find another company that does offer SR-22. Because of this and your conviction, your rates are sure to be higher. It's possible that your insurance company is prohibited from canceling your policy early even if convicted of drink-driving. This is subject to state law.<br /><br /><span style="font-weight: bold;">How long can you expect your rates be higher for? </span><br />In most states, a drunk-driving conviction will affect your insurance status for at least 3 years although it does vary. The length of time increases for multiple convictions. Penalties can vary depending on the circumstances. If somebody was hurt as a result of your drunk-driving, a child was involved, your blood-alcohol level exceeded a certain amount or if you were under 21, your premium can be affected in certain states.<br /><br /><span style="font-weight: bold;">How can increased rates be avoided? </span><br />The only way to avoid increased auto insurance rates is to not restore your driver privileges. Some states will allow you to drive a moped without a license otherwise you are restricted to walking or public transport. If you don't own a vehicle but you do wish to restore your driving privileges, you must still buy a non-owner policy to provide a SR-22 form. This means buying car insurance for a car you don't own. It simply isn't worth drinking under the influence of alcohol. The law is designed to treat drink-driving convicts heavily and is fully supported by auto insurance companies. We want you to know one little thing. The insurance companies are not only there for the money. We do care about each one of you and we want you to be protected. You pay us for services you don't need now but one day, if something occurs, we will be the only people you will expect the help from. Please always stay considerate and wise. We believe you won't let us down.labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com0tag:blogger.com,1999:blog-8607785292383628499.post-22194849276330722002010-03-19T09:36:00.000-07:002010-03-19T09:38:02.394-07:00Of course, the environment can be a factor contributing to accident risk. Bad weather, rain, snow, strong wind � the likelihood of an accident to occur in such conditions is certainly quite high. But still, it's much easier and cheaper to try to avoid an accident rather than having to deal with the consequences. Not to say that accidents are quite hazardous and can be deadly even if you're not speeding. However, if you faced an accident, it really helps to remember certain things that will help you cope with the situation as effectively as possible. Here are some things to keep in mind that will actually help you. It would be very good if you've had these tips printed and stored somewhere in your car, because it is so easy to forget everything when being in a stress situation. And having an accident, regardless of how serious it is, is surely a stressful situation. First of all, you should do everything possible in order not to panic. Try to calm down and examine the situation. See what damage has your and the other party's car sustained, ask if anyone's injured. Other people's health and life has priority than car damage, so if there's anyone hurt call for medical assistance in the first place and then get busy with the vehicles. It may be a single scratch or a serious crash, so being cool-headed and able to evaluate and react accordingly is very important. Cooperate with the police and tell everything they ask you too. Escaping the scene is not a very bright idea, because it will cause much more trouble and legal action when they find you. And it will be almost impossible to get car insurance coverage if your accident is not documented with the police. No matter who's at fault in the accident, be there and tell everything as it happened. This will make it a lot easier and faster for everyone involved. Don't let yourself go. Try talking only to the policeman, answer all the questions in an informative manner. Of course, it is quite hard to remain calm, especially when you're not at fault and the other party starts talking to you aggressively. Getting caught in an argue will only make things worse. So keep the conversations to a minimum, speaking in details only to the police and your car insurance company. Take note of everything you can. When an accident takes place, people sometimes forget to write down the info of the other party involved, which only makes the coverage process longer. Make sure you have all the names, contacts and details written down. Before the police arrive, it really helps to call your insurance agent for an advice, and he or she will surely ask you to learn the other party's insurance company. In general, your insurance company should be the first to know about the accident, so it really makes sense of having their contact number somewhere in your wallet. Ask how to proceed and tell everything required as it will ease the process of filing and processing your car insurance claim.labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com0tag:blogger.com,1999:blog-8607785292383628499.post-7707725872215490252010-03-19T09:34:00.000-07:002010-03-19T09:35:05.525-07:00From time to time, a motor insurance company may refuse to meet a claim or scale down any payments relating to it.<br /><br />This may be for one or more of the following reasons:<br /><br /> * If it was a theft of or from a vehicle, the insurer may believe that you were largely or wholly at fault.<br /> * The car insurance policy has some clause negating part or all of the claim, or it is best dealt with under another policy (for example household insurance for some thefts).<br /> * You may have given inaccurate, incomplete or untruthful information in relation to the claim or the policy itself.<br /> * You may not have receipts to support some aspects of the claim, for example the theft of a laptop or expensive iPod from your car.<br /> * The claim may be significantly reduced because, although the car was a historic vehicle and has to be written off, its value is classed as being only a few hundred pounds instead of the thousands it cost to restore.<br /><br />As with any policy, insurers expect the policyholder - that's you - to operate on the basis of “utmost good faith”. This means you are obliged to disclose any detail which may be of importance to the insurers, whether or not it is requested.<br />Get a new car insurance quote now<br /><br />However, in situations like this, it pays to remember the following:<br /><br /> * The small print of your car insurance policy counts for a lot - but what matters as much is the interpretation of that small print, more on which later.<br /> * All records of conversations held, receipts and copies of all correspondence kept can make an enormous difference to the success of a claim.<br /> * You can haggle: just because an insurer thinks a car is worth £500 or an insured item is only worth paying £200 on, this does not mean you have to accept its verdict.<br /> * If all else fails, the Financial Ombudsman Service (FOS) is there to help.<br /><br />How The Financial Ombudsman Can Help<br /><br />The FOS arbitrates in disputes between policyholders and insurance companies on issues such as claims that are turned down. Each year it deals with thousands of motor insurance complaints.<br /><br />Before you complain to the FOS, you must ensure that the claim is fully dealt with by the insurer.<br /><br />Once the firm has sent you a letter with its final response to your complaint, but you`re still unhappy or the business has had eight weeks already but has still not sent you its final response, you may take your complaint to the FOS.<br /><br />You can either call the FOS on 0845 080 1800 or write to:<br />The Financial Ombudsman Service<br />South Quay Plaza<br />183 Marsh Wall<br /><br />Or visit the website at: http://www.financial-ombudsman.org.uk/labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com0tag:blogger.com,1999:blog-8607785292383628499.post-51490346531830477252010-03-19T09:31:00.000-07:002010-03-19T09:32:57.861-07:00Sadly, like any financial product, car insurance can be a minefield of difficult terminology and confusing jargon.<br /><br />moneysupermarket.com wants to help you find the right car insurance deal for you and so we`ve compiled a guide to help bust through the jargon.<br /><br />ABI group - Your car will be given a specific ranking based on the level of risk involved with each car type and model.<br /><br />Approved repairer - Repairers recommended by your insurers.<br /><br />DOC cover - Otherwise known as Driving Other Cars.<br /><br />Fault/no-fault claim - A no-fault claim is when the insurer can recover the costs from someone else. A fault claim is if they cannot recover the costs regardless of whether the accident was your fault.<br /><br />Indemnity - Insurance policyholders are put in the same financial position after a loss as they were immediately before it.<br /><br />IPT - A Government tax charged as a percentage of car insurance premiums.<br /><br />Loss adjuster - Investigates the legitimacy of claims.<br />Get a new car insurance quote now<br /><br />Material fact - Failure to disclose material could invalidate a policy, such as driving convictions.<br /><br />S,D&P - Social Domestic & Pleasure. A description of how you plan to use your car.<br /><br />Settlement - When an insurer pays a claim.<br /><br />TPO - Third Party Only.<br /><br />Under-insurance - For example insuring your car for £8,000 when the car is worth £10,000. Insurance companies will almost always scale down claims as a result.<br /><br />ULR cover - Uninsured loss recovery - better known as legal expenses cover, which you can add on to your motor insurance policy.<br /><br />Uninsured losses - Elements not covered by your policy such as hire charges.<br /><br />Underwriter - Person who decides whether to accept a risk and calculates the premium.labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com0tag:blogger.com,1999:blog-8607785292383628499.post-28750710988698590442010-03-19T09:29:00.000-07:002010-03-19T09:30:42.826-07:00When dealing with a car insurance company or agent, never expect the whole truth. Whether they are trying to boost their commission or just sweet-talking you, it's rarely in their interests to tell you the full story. Always remember what they don't tell you is probably the thing that could save you money. Things like this:<br /><br /><span style="font-weight: bold;">1. Cancel the collision premium if your car is old.</span><br /><br />If your car is 7/8 years old and worth less than $2,500, it's likely your excess is close to the value of your car. So why pay for comp and collision premiums? A major collision will probably write your car off anyway so it's wasted money.<br /><br /><span style="font-weight: bold;">2. Don't use the same company for both home and car insurance</span><br /><br />Unlike many bundle deals available today such as broadband internet and TV, it is rarely cheaper to bundle your home and car insurance. While many companies offer great deals on either type of cover, they rarely offer great deals on both. Unless you buy an umbrella policy, a bit of research is likely to show keeping your policies separate will return better savings.<br /><br /><span style="font-weight: bold;">3. Beware of minimum liability cover.</span><br /><br />The law requires that you have a minimum level of car insurance. Some companies or agents will happily offer you a low liability policy but they might not inform you that state-mandated limits in certain states are extremely low. If you have a serious accident in these states, it is very likely you won't even come close to covering the costs and if at fault, could end up paying a lot more than expected.<br /><br /><span style="font-weight: bold;">4. Research and compare rates before buying.</span><br /><br />It isn't in the interests of insurance companies and agents to advise you to search for the best deal. It is difficult to know what a good deal is when not even independent agents represent many insurers. Using comparison sites will allow you to research many companies in one place, customize the policy that suits you best and compares the rates.<br /><br /><span style="font-weight: bold;">5. Check for environment-based discounts</span><br /><br />Many insurance companies will encourage you to go green by offering discounts. If you choose an electronic payment plan, paperless statements or you sign your policy with an e-signature, you could be entitled to a discount. Savings are also available for hybrid drivers. Remember that if you save your insurer money, they should pass the saving on to you.<br /><br /><span style="font-weight: bold;">6. Having insurance doesn't mean you should use it</span><br /><br />The more times you claim, the harder it will be to get insurance and the more expensive it is likely to be. Your rates are likely to shoot up at renewal and a check of your insurance history will return every claim and the cost for at least 3 years - perhaps 5 or more. It is always worth considering whether it is worth sacrificing a claim now and paying yourself to ensure you can still get good insurance cover in the future.<br /><br /><span style="font-weight: bold;">7. You might be able to afford a sport car - can you also afford the insurance?</span><br /><br />The size of your premium depends on your car - how old it is, how expensive, etc... Not only should you shop around carefully for car insurance, you should also shop around carefully for the car that the car insurance will cover.labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com0tag:blogger.com,1999:blog-8607785292383628499.post-58681040784285320272010-03-19T09:24:00.000-07:002010-03-19T09:26:12.822-07:00<span style="font-weight: bold;">Practically perfect - practically in a day!</span><br /><br />Nobody can insure himself from having an accident. But we can insure ourselves before any accident takes place so we have some protection later coming from an insurance company. If you are a driver with experience or if you only need your automobile to drive short distances - you might consider insurance a waste of money but wait before you decide it. Accidents can be expecting you anywhere, at any place or time. So if you are the type of driver that only use his car for limited occasions driving short distances all you need is a 1 day automobile insurance for drivers ho aren't insured.<br /><br />How does this insurance work and how long does it last for? Usually, this short-term insurance lasts up to six months. When you are a US citizen that needs to cross borders all the time, you might have some worries in your head about the requirement a particular state has for entering. When you are driving a car that belongs to somebody else you might get mixed feelings about it too. That is where a 1 day automobile insurance comes into scene and saves you from panic. Easily purchased and very affordable it may find you at the right time.<br /><br /><span style="font-weight: bold;">What categories of people need this type of insurance?</span><br /><br />- Vacationers<br />- People that are moving their belongings from one place to another<br />- People that test-drive cars<br /><br />Comprehensive coverage is exactly what you should require while thinking about a car insurance that lasts from 1 day to 6 months. Comprehensive coverage will secure your damages regarding property, Medicare, and the accidents that involve uninsured drivers.<br /><br /><span style="font-weight: bold;">There is one question still remaining in the air though. Where can I get this car insurance from?</span><br /><br />The procedure is not difficult. Just like you would do with any type of insurance, you need to shop around for it first. Use Internet, make call, take professional advice. There car insurance agents that specialize in automobile insurance and know everything about coverage. You should meet up with such person and explain your situation to him. Tell him how often you use your car and why you think about getting a 1 day car insurance. He will show you the rates and if the numbers satisfy you, you can make a deal. But please consider this type of insurance only in limited cases. If you know you are driving quite far away, you should know you need the other type of insurance. Once again, we would like to remind you that accidents are very frequent. You might be perfectly attentive on the road but you can never have any guarantees that those people that are on the same road as you are attentive too. Don't consider it a waste of money; consider it the price you need to pay to remain calm and protected, as nothing can top the feeling of being safe and secure. When you risk on the road, not only do you risk your car, you risk your own life and life of those who are with you in the car on the road. So please take the full responsibility and do the right thing. We believe in you.labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com0tag:blogger.com,1999:blog-8607785292383628499.post-38218604659133452342010-03-19T09:22:00.000-07:002010-03-19T09:23:30.028-07:00Most of insurance buyers often forget that they are insuring a certain thing and it directly influences the final price of the policy. When speaking about auto insurance, the car you drive is the primary factor that affects your insurance costs and at certain moments the insurance company point of view of the car can be quite surprising to usual drivers. Insurance companies have internal charts and ratings, assessing how much it will cost you to insure any given car make or model. And the primary elements that set the car in this rating are the risk factor and the theft factor of this particular make and model. The risk factor relates to how the car will perform in an accident and how likely it is to end up in one, while the theft factor, eventually, deals with the likelihood of the vehicle to be stolen. When a new car comes out, it is placed at a certain place within the rating as compared to other similar models and the insurance rates are set accordingly. And as experience with this particular model accumulates in the company's records, the model can be moved in either direction within the rating, making it cheaper or more expensive to insure. Of course, other things like your driving record and credit score also influence the cost of insuring your vehicle, but the car is actually the most important and crucial factor you will have to deal with. In general, it will be more costly for you to insure sports cars, luxury cars and SUVs. Some companies rate SUVs differently because of their increased safety for the people inside, while others take in regard the fact that these vehicles are likely to cause more collision damage than others. Sports cars are much more likely to end up in a serious or even tragic accident due to their power and speed that is so tempting to be pushed to the limits. And luxury cars are usually the target of auto theft due to their price, and are more expensive to repair because of exclusive parts and costly service. Car insurance experts state that the most attractive and non-expensive class of vehicles to insure are mid-class and middle sized cars. It is important that the car has good crash-test ratings and additional safety features installed, being safe in case of an accident. Small light-weight cars are cheaper to repair but they get damaged more easily and this may lead to serious injuries to those who are inside of it. The higher is the mass of your vehicle the less damage it will take in case of collision. That's why big SUVs are considered to be quite safe from this point of view. It is good to see what car insurance rates you can get for different cars before you actually buy the auto. If the question of insurance price really concerns you then choose a vehicle that is cheaper to insure. And if the rates don't bother you much, just buy a car that you really like.labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com1tag:blogger.com,1999:blog-8607785292383628499.post-9970514084773690832010-03-19T09:13:00.000-07:002010-03-19T09:16:39.733-07:00Our 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.<br /><br /><span style="font-weight: bold;">How to get the best car insurance deal</span><br /><br />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.<br /><br />In theory, this ought to make everyone a car insurance expert, able to get the best deal on their motor cover.<br /><br />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.<br /><br />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.<br /><br />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.<br /><br />But knowing how motor 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.<br /><br />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.<br /><br />We also offer a jargon-buster - explaining some of the more typical terms used when taking out car insurance.<br /><br />Of course, no guide can ever attempt to answer every query. If you have any further questions, feel free to visit the car insurance forums or motoring fourms, where one of our experts - or even other forum members - will do their best to help.labahttp://www.blogger.com/profile/12767135218495770914noreply@blogger.com0