Deciding Whether to Have Single or Joint Car Insurance Cover

There are companies that will give discounts if you have multiple family members on the same insurance policy. This can be a good or bad thing and can be worth checking out.

Often couples will have a joint car insurance policy, especially if they both drive the same vehicle. This can help to save money and sometimes the value of the policy does not change if an extra person is added on. This is usually the case if that person has no history of accidents or insurance claims.

It is possible to even add children on to your car insurance. This is bound to make it more expensive as young drivers are a big risk. However, it could be cheaper to do this than for them to have their own individual policies.

Joint Car Insurance Cover
So the price can be a big factor in deciding whether to have single or joint car insurance cover, but you do need to be wary. If one of the parties has an accident and makes a claim, then this will make the insurance more expensive for everyone. It may even mean that if one of the parties moves to a single insurance it could affect their no claims bonus, even if it was not them who had the accident.

No claims could also be an issue if only the main driver gets to build up theirs. The additional drivers may not be able to build up their own individual no claims bonus and so they may have to start fresh when they get their own individual policies.

If the family has several cars, then it may have different effects than if they are all driving the same vehicle and so it is worth considering this. You will need a policy for each car but deciding whether to have all family members insured for each car or just for one car can be tricky. They may be able to drive any car with their cover anyway, it just depends on the terms.

It can be quite a complicated matter and it is worth looking in to all the advantages and disadvantages before you make a decision. All involved parties should be involved in the decision and made aware of the consequences of this type of policy compared to a single one. It may save a lot of money, but could complicate matters if a claim is made or when a person wants to have their own single policy with regards to a no claims bonus.

So You Hit a Car – Now What?

No driver wants to realize that they’ve hit another vehicle. A collision can be costly, even more costly if you don’t have enough insurance coverage. While many drivers add underinsured motorist coverage to their insurance policies, they’re still going to want to see what your insurance company is going to do before their policy will do anything. That’s the name of the game here.

There are a few things that you will definitely want to do if you hit another car, or if another car hits you.

First and foremost, you do not want to run off — even if you think that no one has seen you hit the other vehicle. This is often the case when drivers hit a car that is parked and they try to drive off. You’re a lot better off admitting that you hit the car and taking whatever comes than running off. For starters, getting caught means that you just committed a hit and run. That can carry stiff fines and penalties, plus it’s a black mark on your insurance file. Once you do it, it definitely sends your insurance premiums sky high. It’s a lot smarter in the long run to actually just admit to the problem. And really, if it’s only a small bump, you’d be surprised at how many times the other driver will just wave you off. They know what it’s like to scrape a door or hit a bumper slightly. Minor damage isn’t really worth the insurance claim.

So the next part here is that you want to leave as much information as you need. Your name, phone number, and policy number as well as insurance carrier is a good start. If there needs to be a police report filed, see that it is indeed filed. This is another thing that you don’t want to skip over. If it’s a major accident, there needs to be a police report. This is one of the first things that the insurance company is going to ask you about, so you need to make sure that you have it.

Another thing that you will need to make sure that you don’t do is admit fault. You will not know whether or not that you’re at fault. Even when it seems like you’re at fault, you might not be. However, if you admit fault then naturally you’re going to take the fall for it. Let the police and the insurance companies make that designation. This mistake has cost drivers a lot of money over the years, so we’re especially cautious about it.

Keep in mind that if you only purchased liability insurance, then you’re going to basically be paying for someone else’s car, but not yours. The only way to actually cover your own car in case of an accident is to get what most people refer to as full coverage. This will be a combination of what you get with liability, but also adding in comprehensive as well as collision coverage. That’s the best way to go if you really want to make sure that you’re taken care of from every angle.

Hitting a car is something that just about every driver has done. It’s costly for all parties involved. That’s why if you can drive defensively and avoid it, you’re going to have much better insurance rates than someone that has been in several accidents. It’s all about risk management after all.

Can you really avoid accidents? Sometimes you can’t. All you can do is just do your best to avoid them by staying alert, staying aware, and staying prepared. Maintaining your car properly and ensuring that everything is working properly is a great way to also keep accidents from happening.

Now is the perfect time to put these defensive driver tips into action, to cut your chances of getting into a costly and dangerous accident!

Be Wary – The Cash for Crash Scam is Making a Comeback!

Every driver tries to be as responsible as possible on the road. You don’t want to go through hitting someone, because that’s just going to cause a lot of hurt feelings, high insurance premiums, and delays to your natural schedule. These days, we have a lot more on our plates, which means that there’ always something to do and something to think about. You really don’t want to find yourself in a position where you don’t have enough information.

One scam that you need to know about right now is the cash for crash scam, where unscrupulous drivers will let someone lightly hit them, and then go out claiming that they were badly injured. Whiplash is real, and it’s something that causes a lot of pain to the body. However all you really have is the sufferer’s word.

The worst part? Insurance companies are near powerless to do anything to fight back. They end up settling out of the courtroom, as the high cost of court fees make it impossible to avoid losing money on these claims.

The underlying problem is even worse than first thought. There are many bad doctors that even supply medical proof of this whiplash in return for a fee. It’s a bad form of fraud, and you need to make sure that you’re prepared to fight it.

When you are in an accident, make sure that you never get out and admit default to anything. That’s to for you to decide, anyway. You need to make sure that you try to get as much information as possible documented in a police report. Be willing to hand over your insurance details immediately. Follow up with the insurance company.

If your insurance company is going to raise your rate over something like this, then you definitely want to at least compare and contrast insurance quotes. Look beyond just price though — you might be able to get a new policy that has some different features designed to offer more protection.

And at the end of the day, that’s all insurance really is — protection against the unknown. We don’t know when we’re going to get into an accident, and we certainly don’t know what’s going to happen. It’s still better to have coverage than not have coverage. Take care and good luck!

Car Insurance

Car insurance, also known as motor insurance, is a type of insurance that is used to cover cars and other motor vehicles such as vans, lorries and motorbikes. You can also get motor insurance for specialist cars, high performance cars and caravans.

Like other insurance products, car insurance insures you against the risk of anything happening to your car. Depending on the type of policy you have you can be insured against the cost of repairs to your car if it is damaged in an accident; the cost of replacing the car if it sustains damage and is unfit to drive; or the cost of any liability if you are the cause of an accident. If you own or drive a car in the UK, then you are legally required to have car insurance.

Levels Of Cover

Different car insurance policies provide different levels of cover and it is important to understand what your requirements are before taking out a policy. The three main types of car insurance policy available in the UK are third party only; third party, fire and theft; and fully comprehensive.

A car insurance policy that is third party only covers you for claims made against you by others (known as third parties) for injury or property damage resulting from using your vehicle on public roads. This is the minimum level of cover you can have to meet your legal obligations.

A third party, fire and theft policy increases your level of cover. Not only are you covered for liability arising from injury or damage to others or their property, but you are also covered if your car is stolen or damaged by fire.

Finally, there is a fully comprehensive insurance policy. In addition to covering all the risks covered by third party, fire and theft car insurance policies, a fully comprehensive policy also covers injury and property damage to your car and your passengers. There may be other types of cover included in a comprehensive policy as well, such as coverage for personal belongings.

Car Insurance Premiums

The premiums for comprehensive insurance policies are usually higher than those for third party car insurance policies. For this reason, many people get a third party policy when they first own a car, then move to a comprehensive policy when they can afford to.

All insurance premiums vary according to the age of the driver, the gender (women get better premiums because they are lower risk drivers) and the length of time since making a claim (known as the no claims bonus). The type of car and insurance group also play a part in the equation.

Car Cover Got You Down – Here’s How to Really Save Money

Trying to save money and still keep car over can really be a challenge. Third party cover is the cheapest option, but is that always the way you want to go? Not if you want to actually be able to repair your own vehicle in case of an accident. If something is stolen from your vehicle or the entire vehicle is stolen, you will still want to make sure that you can recover from the loss and move forward. If you aren’t thinking about just about every angle of the insurance industry, it’s very easy to miss things. It’s very easy to find yourself without the power to really be able to get things done. Don’t worry if you can’t figure out the time to investigate everything — that’s what we’re here for!

Motorists can find some relief for shy high premiums, but they’re going to have to get smarter and smarter about it.

Here’s a few things that you might want to try.

First, you might want to put someone else on the insurance, regardless of what age they are. This is because insurance companies rate jobs at different risk levels, and it’s really all about risk. So if you have a spouse or a partner that is in a “safe” profession and you’re not, it might be well worth your time to run multiple quotes in order to figure out which configuration would be the best deal. As long as you aren’t lying, it’s going to be just fine.

Another thing that you might want to try is thinking about a camper van. Converting an SUV into a camper van can save you a lot of money with your insurance company, and you will be able to camp freely in the summertime.

Another thing that you might want to try is to go with a classic car. Insurance companies know that people take good care of a classic car, and that means that premiums are lower. However, you will need to make sure that you’re asking each and every insurance company that you contact what they actually consider a classic car. You might just be surprised to find that some consider certain rarer brands a classic after just 5 or 10 years! That’s quite a good bargain if you tend to keep your vehicles for a long time and with things being so high already, who is really in the market for a new car these days?

Some tricks are a little strange. Some UK consumers have found that if they indicate that the car will be parked on the street rather than in a garage or driveway, they pay a lot less in terms of car cover premiums. It all depends on the claims history of the area that you’re getting a quote for. If there’s a history of thefts and damages when cars are parked in driveways or garages, then there’s going to be a lot more expense for that vs. when you indicate that you will park the car on the streets.

The final point that you will want to keep in mind here is that not all of the best deals are going to be on the comparison websites. We’re not saying that these sites don’t serve a valid purpose, but you will want to make sure that you focus on other deals that might come your way. You need to quote compare based on mailouts, online, phone calls — really, anything and everything. Don’t get so caught up in the online game that you skip over the stuff that really matters — saving money, of course!

If you want to make sure that you really do save money on your ongoing premiums, it’s important to think about every time you file a claim or even let the insurer know about an accident. If it’s a minor prang or fender bender situation, you don’t want to call them about it. Pay out of pocket and save yourself the money!

Even if you don’t file a claim, your insurer may raise your premiums anyway — after all, you were in an accident. Be careful and choose carefully what type of information you say to any insurance agent.

This goes double for changes in lifestyle. You may think that you’re just making small talk, but you never know what the insurance agent is actually documenting in your account. You may find that the information you gave just made you a risky customer in the insurer’s eyes. Just be careful.

There’s always a bit of debate about monthly premiums or annual premiums. If you can save up the money, an annual premium is often the best option. It doesn’t include the interest that comes from the finance company. Some insurers don’t even allow you to pay monthly, so you might be missing out on some premium savings.

There’s a lot to think about when it comes to car cover, but at the end of the day it’s pretty important. After all, whether you save money or not on your car insurance, you’re still going to need the coverage!

The Unsung Benefits of Maxing Out Your Auto Insurance Coverage

Accidents happen. And when you really, really love your car, those accidents can take away the pleasure of driving. The beauty of the open road with your car on it is that you have the ultimate power. You can go where you want and do whatever it is that you want to do. You’re really limited only by your ability to stay seated and your ability to put gas in the tank. Otherwise, the road is yours — as much as you want.

So what does that have to do with car insurance? After all, most people get away with the state minimums, so why should you have to worry about anything else? The truth is that drivers get liability insurance to save money, only to find that they could be out for a lot more money than they might realize. Now is the time to realize that you need to be able to protect your vehicle from loss and damages, and that means raising your insurance coverage.

Yet full coverage can be a lot more expensive than people realize. Even though there’s not a standard definition for full coverage, drivers realize that it includes protection for their car as well. This means that if you are hurt in an accident or your car was damaged by an act of nature, you can get the protection that you need to move on with your life.

Rental car coverage is also something important that you will definitely want to have if you’re going to ensure that you always have transportation. See, a lot of people expect that when their car has been in a bad accident they are going to get their car back the same day or even the next day. Yet it doesn’t often work that way — you’re going to need to give the mechanic’s shop enough time to tend to you. If you don’t, you’re never going to be able to get anything else done.

That’s a hard pill to swallow, especially in light of the facts — you don’t have a car, and you need one. That’s where the rental coverage comes in handy so much. In addition, you can’t forget about towing — you need to be able to have your car towed and brought to a qualified towing service. That’s the only way that you’re really going to be able to get anything else done. Otherwise you’ll have to pay out of pocket for the tow truck. Some mechanic’s shops have gotten smart and offered this service as a perk to their customers, but these are still few and far between.

It’s important to make sure that you’re getting enough coverage in terms of the services that you want. Comprehensive coverage can work for you in a pinch, and collision is nice when you have a car where the repairs to the car are pretty expensive.

As always, you need to be shopping around. The last thing that you want to do is just jump at the first policy that says hello — look around. It really will not hurt you in the slightest to look around and see what’s out there. You also want to make sure that you ask the right questions if you have them. You need to make sure that you’re getting immediate coverage on the whole policy, and not just the state minimums.

Yes, it’s going to cost you more, but think about the costs to your world that would occur if you didn’t have the policy in place. You’ll find that if you crunch the numbers, it’s a lot more expensive to not have the insurance that you need rather than assume that you can skip it and be just fine. The funny thing about accidents is that we really don’t know when they’re going to happen. That’s why it’s so critical to make sure that you have everything in order — start today!

Teen Drivers and Car Insurance Are a Match Made in Heaven – Really!

When your teenagers are learning how to drive, you might have a lot of different emotions running through your head. For starters, you’re going to be pretty worried about your car insurance rates going sky high, but is it really the case? Not always, actually. You see, today’s insurance companies are studying different models of risk management and realizing that one size truly does not fit all. This means that you actually have a lot more leeway to get a good rate than you did in the past. It all depends on your teen.

If you can line up a lot of safety factors on your side, you’ll find that teen drivers and car insurance is truly a match made in heaven. Let’s face it — you’re going to have to get the coverage one way or the other. Without covering your teenagers, they can’t drive. Getting caught without insurance means serious fines, and no one really wants to deal with that. It’s cheaper in the long run to go ahead and get a good policy that covers everything. Liability insurance and teenagers is something that you want to skip over unless the car is really, really old and you can replace it outright. If it’s a newer car then you’ll want to go ahead and get full coverage just to be on the safe side.

There are some discounts that do indeed come with getting a teen driver on your policy. For one if you have multiple cars because of the change, you can expect a discount there. In addition, if your teen is actually a safe driver with good grades, then you’re going to have discounts there. Don’t forget to document safety features, because those can become discount factors as well.

As you can see, nothing is in black and white just yet. You will have some negotiating room with the insurance company because they know that you really do need to get the vehicle insurance. If they don’t work with you, you’ll end up taking your business elsewhere. If you can help it, try to get all of your insurance products under one company — that’s going to save you money as well.

It can be tough to get past the old myth of being unable to afford insurance because you have a teen driver on your policy, but you actually might be surprised at how affordable vehicle insurance can be for your teenager — why not check it out today?

Could Driving Less Be the Key to Saving Money on Car Insurance?

One of the most interesting expenses that we have on our budgets every month would definitely have to be insurance. Specifically car insurance, but we suppose that other types of insurance would be eligible as well. You see, there comes a point where it gets frustrating to pay for insurance.  You’re paying all this money for something that you hope that you’ll never have to use, otherwise your costs go up even more. This is something that we know is frustrating, but the truth is that you are just going to have to suck it up and roll with the punches, you know? We’re not trying to be rude, but the reality is that insurance is here to stay, and you will need to have car insurance in order to make sure that you are legal and safe on the road. The fines for not having insurance are pretty stiff, and with good reason — if you hit someone without insurance, they’re stuck trying to figure out how to repair their lives and their car in spite of your negligence.

Yet today’s question is a little different — what if you’re really not that much of a driver? Should you still have to pay the same rates as someone that drives 10, 15, or even 25 thousand miles a year? Certainly not. What you have to step back and realize is that the insurance industry is based on the principles of risk management. This means that there are a lot of opportunities to actually cut down on your rates by simply cutting down on your risk. So if you’re not that much of a driver, you should definitely speak up.

Calling your insurance company about the matter may or may not be as productive as you would like, however. You see, you will nee dot provide proof that you don’t drive that much. You can opt into a lower policy that saves you money, but you definitely don’t want to try to go behind the company’s back on this. For one, they’re going to take record of what your odometer read at the start of the year. If you drive more than that, you can bet that there are going to be extra fees involved with keeping you on as a customer.

If you really want to make sure that you save money on car insurance, it can be worth your while to simply turn down the amount that you drive. This is much easier to do if you carpool or you live in an area where mass transit options are abundant. If you live in a more scattered region, you might be on the hook still for those higher rates.

Of course, if your insurance company isn’t going to cooperate, you might want to start thinking about switching to another insurance company that is more receptive to hearing you out. You can go online and compare insurance quotes, which is actually the smart way to do it. It sure beats having to drive all over town and waste gas just trying to save money. When you look at it from a different perspective, that approach doesn’t even make sense — why would you spend money just to save money?

Overall, could driving less really be the key to saving money on auto insurance? Definitely. However, you will still need to make sure that you’re doing your homework on the subject and looking into every option possible before making a commitment. You can do it — get out there and get a better insurance rate today!

Top tips for insuring family cars

Whether you’re about to become a parent for the first time or your teenage son or daughter has just passed their test, it’s important to think about how this can impact the car you drive. Admittedly, it might not be on the top of your to-do list – especially if your family has just welcomed the arrival of a baby boy or girl – but it is worth your attention.

The majority of households have at least one car these days, and if you think about it, it’d be difficult to manage things like the weekly supermarket shop and the school run without one. Of course though, not all vehicles are suitable for families – two-seater sports cars, for example – so it’s worth getting something that will transport you, your partner and children around comfortably.

That’s not to say you ought to get rid of a sports car altogether, but it’s worth having something more child-friendly as well.
As is the case with all road vehicles, when it comes to family cars it’s important to have a sufficient level of cover. Here are just some of the things you ought to think about.

Type of car

We’ve already said a two-seater sports car isn’t a great choice of family vehicle, not least of all because they can be expensive to insure, but what makes a good one?

As the type of car you drive is one of the biggest factors that will impact on your insurance costs, this is something you ought to think about carefully. Space is a vital consideration and not only will you want your kids to be able to sit comfortably while you drive, but if you have babies or toddlers you’ll need plenty of room to fit a child seat. Five-door cars are easier to place these seats in compared to their three-door counterparts, which is just one reason why estates are a popular choice for families.

However, if you’ve got a particularly large brood or you often ferry your children’s friends, you may want to get a people carrier. These can fit up to seven passengers, though if every seat is occupied there might not be too much room left for luggage in the boot.

It’s worth seeking out a model that has a high standard of safety features. A vehicle that is highly accredited under the Euro NCAP crash safety ratings can serve as an indication that you’ll be well protected in the event of an accident, which in turn can reduce your insurance costs.

Level of cover

Although you have a number of options when it comes to the level of car insurance you can get, it’s a good idea to seek out fully-comprehensive cover. That way, you and your family will have complete peace of mind that you’ll be completely protected in the event of suffering a mishap.

Should an accident mean that your vehicle is out of action for a while, a thorough level of cover will ensure that your family’s life shouldn’t be disrupted too much. You’ll get a similar courtesy car as it is being fixed, although if it turns out to be beyond repair you will be financially compensated. Having a comprehensive plan means that you will agree with your insurer on a value for your car from the moment you take out policy and if it ends up being written off at a later stage you’ll get this amount in full.

If there’s more than one car in your household, it’s also worth seeking out family fleet insurance. This is designed for those with a range of cars and, as all your insurance costs are consolidated into a single policy, it can be cheaper and easier to manage. Instead of having to pay a number of companies for cover each month, you will only have to deal with one!

Whether you’ve just one vehicle for transporting your entire brood in or have several motors that you, your partner and teenage children drive, what have your experiences of getting insurance for family cars been like?

A View on the Cost of Van Insurance Policy for Top Selling Vans

A View on the Cost of Van Insurance Policy for Top Selling VansVV Routan, Nissan Quest, Dodge Grand Caravan are few of the many vans that are topping the van charts today. Since it has become necessary to get van insurance for all the vans that we use, insurers have made it comfortable for us by offering insurance for all kind of vans.

Keeping up with the trend and looking into the top ten selling vans of 2012, we find vans of Toyota, Nissan, Honda and Volkswagen. The cost of these vans would be similar, so will the manufacturing details of it, excepting one or two, and that one or two details is what sets the van apart from the other. But most of this will not matter while obtaining a Compare Van Insurance policy, and so the cost of van insurance policy for these vans would be the same.

A view on the cost of van insurance policy for top selling vans:

The first thing to be done is to decide which risks need to be covered. There is third party only, third party fire and theft, comprehensive van insurance policy; where third party will cover only the property, vehicle and the third party from any injury or damage, third party fire and theft is an extended cover of third party only and comprehensive policy will cover both the insured and third party.

Van insurance UK is also got based on the driver who will be listed while getting Cheap Van Insurance quotes. So if you are a young driver or a convicted driver, opt for van insurance for young driver or convicted driver van insurance.

Say a person is trying to insure Volkswagen Polo with 1.2 l engine capacity that is a petrol run van, manufactured recently parked in private drive and used for carriage of own goods. It is a 7 seater giving an annual mileage of 15000 miles. You’ve got NCB entitlement of 9 on a private car that is to be protected.

The best van insurance quote is Ł560.22 per year by Allianz Clear for a comprehensive van insurance policy. A compulsory excess of Ł150 is to be taken. If any voluntary excess is taken by the insured, the premium will be reduced.

The general terms and conditions that the insurers have information given by are that the age of the driver should be within 21 to 76 and should be a permanent resident of UK.