In this article you will find some tips on the car insurance quote gathering process. The tips will help you obtain quotes from different car insurance companies. We tell you what you need to do to make it possible to compare other car insurance policies with your existing policy.
It this article we give you five important tips before you buy your new car insurance policy. You find information about risk address, excess, and what happens if you not are careful when you buy your insurance and what horrible surprises it will bring.
In this article you can read more about how you lower your cost for your car insurance premium. Follow this six tips and you got the opportunity to save some money that you can use to something else instead of car insurances.
Every car insurance company is a risk taker. The car insurance company need to make enough money to survive as a business. They always need to have a large capital of money so they can pay out claims made against the car insurance company.
DV or more commonly known as diminished value describes the economic loss of your car when it has been damaged. If your car hasn't been into a car accident, it would have a higher value on the resale market compared to if your car was damaged in a car accident and has been properly repaired.
A comprehensive cover is the highest level of car insurance cover. The comprehensive insurance covers you for own as well as the third party. The comprehensive also covers medical cover, malicious damage, personal effects and vandalism. It also covers damages caused due to flood and storm.
Third party fire and theft is the next level of car insurance cover after third party only. The car insurance company will cover you if your car was involved in fire or theft. But remember you will not be covered for any accidental damage on your car.
If you want to drive your car legally on the road, then you need to have a car insurance cover. The price of your car insurance premium depends on several circumstances. There are three different insurances levels to choose from, third party - TPO, third party fire and theft - TPFT and comprehensive - COMP.
Here you will find 10 common questions, people ask before they buy a car insurance premium. Find out if they help you on the way.
Here you will find some elements that can invalid your car insurance policy. Remember most important is to not change anything to the car itself or make any address changes without update your car insurance company. If you fail on any of these elements below, the car insurance company may invalidate your car insurance policy.
It is your car insurance company that make the the judgement how much it will cost to repair your car compared to writing off your car. The insurer's decision is often based on the garage recommendation or the engineers on the insurance company.
Depending on your car insurance company's policy, the company will pay you the value of the car if the car is irreparable and written off. The car insurance company either pay the market value or the book value.
After a car accident you should always inform your car insurance company as soon as possible. Some car insurance companies would like to gather as much information as they can over the phone. It's very common that the insurance company records your phone call when you give them the information about the accident.
After a car accident, keep your nerve. The police always want to reconstruct the car accident. The information is many times based on what the other driver or drivers and you provide to the police. So the police will take statements from you and the other party. Remember to be sure on the information you provide. If you change your statement later it will of course affect your case.
First of all call the emergency services if there is an emergency situation. Always take care of injured people. Avoid as long as you can to move the cars in any direction before a witness have note the cars position. But if it will cause a traffic jam or massive traffic flow problem due to the car accident, then you have to move the cars.
You can always do some things before a car accident. This article will help you be prepared for the proceedings with the car insurance company. We will give you a checklist of how you can gather as much information as possible. Every car accident has its own circumstances.
Convictions can become part of your driving record. The consequence will be that your car insurance company increase so if you want a cheap car insurance, you should drive very careful on the road. You won´t get away with breaking the law.
Have you caused an fault accident? A Fault accident is an accident where it can be proven that it is your fault. At the same time your car insurance company will increase your insurance premium.
If you got a clean driving history and clean driver license combined with a good NCD (No Claims Discount) then you will be paying less money than some who is for example younger and don't have a clean driving history. Of Course the car affects the car insurance cost.
Where you park your car and where you live make a lot of difference and affects the premium of your car insurance. The cost of the insurance will be higher when the area you live in is rougher. The insurance companies call the place you park your car most of the times in a year as the risk address.
The car insurance companies have made analysis and found out that male drivers are a higher risk on the road than female drivers. They have also carried out that car accidents that male drivers are involved in are more serious than those of female drivers. So that's why gender has to do with car insurances.
Age is a factor when it comes to car insurance. All young drivers are considered and classed as both a high risk and inexperienced. So age and experience favours older drivers. If you are at the age of 17 - 20 you will have to pay high insurance premiums.
Avoid insurance companies that will quote you cheap car insurances without provide you with any significant information in return. Significant information could be accident cover, personal effort cover, medical cover, payment protection plan, courtesy car, break down cover and motor legal protection and there is more.
You should be prepared to give the car insurance company the exact details. This will save you a lot of time and enables you obtain the exact price you need. For instance, registration documents, no claims discount, any additional drivers, date you passed your driving test and also date for claims and convictions.
The car insurance company will always try to cover the risks. Any insurance company want to avoid possible payouts. They can cover itself and the risks by maximising your car insurance premium or by attempting to invalidate your insurance.
Indemnity insurance means that the insurance company will pay the amount to restore you back to the position financially you were before. For example before the car accident and the claim was made.