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Car and Van Insurance Basics

To drive any vehicle (car, van, truck, bike etc) on UK roads, you need to have insurance. According to the Road Traffic Act, all drivers/motorists are required to be insured against their liabilities for injuries or damages to third parties including passengers. You would be breaking the law if you drive on a road or public place without a valid motor insurance. Furthermore, it is an offence even if you let others use your uninsured vehicle. In the unlikely event of an accident resulting into damage to third party vehicle(s) which may result in personal injuries and any other damage to properties, protection against such liabilities is essential. It also safeguards against damages to your own vehicle, including thefts. Driving without insurance, not only you are breaking law but you are also carrying the risk of paying the compensation to all the parties involved. It does not matter which party was at fault.
Car insurance is what safeguards you against loss due to traffic accidents, thefts or other reasons. Taking out car insurance is very important as insurance is what secures you from economic loss or damages. In case you do not have car insurance and you are involved in an accident, in spite of who is at fault, you will be paying the compensation concerned with damages. Car insurance is designed to protect yourself and others against these risks.
Many different types of covers are available, ranging from third party cover which protects individuals against liability should they injure a third party or cause damage to a third party's property, but does not provide any cover for the individual's own vehicle or property, through to comprehensive cover, which can offer protection for accidental damage, theft, fire damage as well as liability towards third parties. The minimum legal requirement for car insurance to drive in the UK is Third Party Only.
It is a belief of most people "I don't get into accidents, I am a careful driver" and therefore, just get Third Party Only cover as a need to get their registration and Road tax. They are amongst those to call for cheapest insurance or "Give me what is required" type. When a need for claim arises for these people, it is then they become aware of what type of cover they should have.



Buying Online - Why is it great?

           
You can check, study and obtain information about different Insurance companies.You are able to compare rates, obtain quotes, and shop around without leaving your house. Buying car insurance online is extremely easy and very convenient. The process is fast and only requires filling out a simple form. It is the opinion of many experienced internet users that most consumers overpay on their insurance policies due to a lack of shopping around. Imagine the amount you would save should you have multiple car insurance policies! Many Insurance company offers discounts if you buy online. This varies from 10 - 20%. They are able to offer such discounts because their overheads for selling online are reduced and therefore the savings is passed on to customers as well as be able to be outfront amongst their respective competetators. There are also websites out there like Moneysupermarket, Confused.com and ComparetheMarket who represent many reputable Insurance companies and will help you find best motor insurance for you. 

                    Choosing Car Insurance

Few of us think to shop around for a better deal on our car insurance renewal quote. However, there are some easy ways to make savings. Spend 10-15 minutes finding out how to get the best deal. In a competitive market, providers are always looking to offer new and better deals, and increasingly there are specialist policies available for low-risk groups such as over 50 or older drivers, female drivers, 4 years or more claim-free driving etc.





Renewing Your Car Insurance

If you're about to renew your car insurance, take 10 minutes to check out your options. Before you begin:

  • Dig out your documents
  • If you've received a reminder to renew your car insurance, have it handy. It's worth having your motor insurance certificate and your insurance policy notes document ready, too.
  • You'll also need other information handy, such as when you passed your test; any driving convictions you may have had in the last five years, details of any registered disabilities, and details of any modifications you've recently made to your car.

Familiarise yourself with your current car insurance
To compare like with like, you need to know what type of insurance you currently buy from your insurer. Is it Third party only? Third party, fire and theft? Comprehensive? Also look in your policy notes to find out any special features for your policy, such as:
  •  Courtesy car (when you car is being repaired)
  •  Protected no-claims bonus - Roadside assistance
  •  Free legal advice
  • The amount of excess on the policy Make a note of the amount your insurer is quoting to renew your policy too .

Decide what type of cover you want
Don't automatically choose the same policy you had before, or go straight for Comprehensive cover. You can save up to a third on quotes if you choose third-party, fire and theft or third-party-only policies. If your car is not worth a great deal, you may want to consider these cheaper options.

Decide on your must-have car insurance features
All car insurance policies cover the same basic ground. They pay out when another driver claims against you for damage you cause to them or their car. Where many policies (even very similarly-priced ones) can differ is in the additional features they offer. To help you shortlist quotes, you need to decide which of these features, if any, are must-haves. For instance, if you can't do without a car for even a few days because you need it for work, you might only consider policies offering a courtesy car for when yours is being repaired. Or, if you car is old and sometimes breaks down, you may favour policies offering free roadside assistance.

Compare car insurance quotes
To start filtering the quotes you receive, start by discarding quotes that:
  • Are much more expensive than your renewal quote say, by more than 10% - Do not come with your must-have features
  • Have a high premium for paying by instalments (if you want to pay over a year or six months) Now you have a shortlist of quotes and companies to compare.
  • Factor in your own experience of companies and policies, and ask family, friends and colleagues for their thoughts. A personal recommendation can go a long way.
Just remember to shop around as you look for cheaper car insurance. The first company isn't always the best.

                            Car Value Protector

click here
Buying a car is a big investment. Although you insure your car, did you know that if your car is written off or stolen, your insurance payout will be based on the value of your car at the time of the accident or theft, NOT the value when you bought it?

What Car Value Protector Offers:

    * Pays the gap between your car insurance payout and what it was actually worth                      when you took out Car Value Protector. Find out more
    * No need to make up the difference with any extra hard earned cash
    * Gets you back into a car similar to the one you bought
    * Great value - from just 5.89 per month
    * Get a Quick quote NOW!

helpucover is a UK provider of car gap insurance. Car value protector gives your car protection, ensuring you receive the full return to value if your car is written off or stolen. Get your quote online now!

HSBC: Car Insurance
HSBC is the largest bank in the UK with a strong car insurance proposition. There is a 10% online discount for new customers.

In addition to offering a competitive online discount, our car insurance provides customers with a level of cover suitable for their requirements – Comprehensive, Third Party, Fire and Theft or Third Party only.

Other benefits include:

1. Free courtesy car when you use an approved repairer (available to customers with comprehensive cover only).

2. Our insurers give discounts for limited mileage and garaged cars

3. Unlimited Glass & Windscreen cover on all comprehensive policies when you use an approved repairer.

4. All repairs guaranteed for a minimum of 2 years when you use an approved repairer.

5. Unlimited cover for entertainment systems and satellite navigation systems permanently fitted to your vehicle by the manufacturer.

6. Options extras – RAC Motor Breakdown Cover for only 70 (includes Roadside Assistance, Recovery At Home and European Motoring Assistance). RAC Legal Expenses Insurance cover for only 24.99 when you take out an HSBC Bank Car Insurance policy.

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Kwik-Fit Car Insurance
Up to 20% online discount with Kwik-fit Car insurance!
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Car insurance from insurepink
* 10 will be donated to the Pink Ribbon Foundation
* Up to 15% discount when you buy online    
* Cheap car insurance for women with our additional female driver discounts



What makes Direct Line a good deal better?
  Named drivers earn no claims discount
Insure your second car with us and receive a further discount
Uninsured driver promise - if you're hit by an uninsured driver, we'll cover your excess and it won't affect your no claims discount
Take the hassle away when you choose our repairer - free collection and delivery, repair work guaranteed for 5 years and your car cleaned inside and out
 
Direct Line car insurance - right now get 15% off. A good deal better....Check it out here.....



Liverpool Victoria
At LV= we offer online discount, up to 75% no claim discount and many other optional benefits including cover for EU countries and a courtesy car. Quote and buy online in just a  few minutes.
 More Info....








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Pay the low annual premium. Your policy provides excess insurance every time you rent a car - no need to pay high rates to the rental companies!
Compare cheap car insurance quotes from over 100 motor insurance companies and buy your policy online.
Being wiser after the event is something none of us can afford, so click here to get an online quote from Be Wise
With the ongoing “credit crunch” the market for GAP cover is increasing rapidly. Protect your car investment!
Receive an EXTRA 3 months breakdown cover FREE
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The Green Insurance Company - The lower the carbon footprint based on the vehicle and annual mileage, up to an extra 5% discount will be given off the price. For more details Click Here

What makes Direct
Line Car Insurance a good deal better?
  Named drivers earn no claims discount
Insure your second car with us and receive a further discount
Uninsured driver promise - if you're hit by an uninsured driver, we'll cover your excess and it won't affect your no claims discount
Take the hassle away when you choose our repairer - free collection and delivery, repair work guaranteed for 5 years and your car cleaned inside and out
Direct Line car insurance - right now get 15% off. A good deal better. More..

Being wiser after the event is something none of us can afford, so click here to get an online quote from Be Wise fo car, van, bike or home Insurance More...

Save money with eCar Insurance includes Breakdown Assistance (fully comp), Legal Cover, European Driving and free 5 years NCD protection




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gocompare.com - Van Insurance.We offer both commercial van insurance and private van insurance quotes. Gocompare.com compares prices from the leading van insurance companies. Comparing policy benefits has never been easier - just use our special five star rating system to make sure you get the right cover at the right price.



Kelkoo -
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TorFX is an independent foreign exchange specialist and we offer highly competitive rates of exchange to both corporate and private clients, for international trading, buying property abroad, emigrating and other overseas payments.
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