Why Proper Tyre Maintenance is Important

When consumers think of tyres, if they think of them at all, they likely think about proper tyre inflation. As important as proper inflation is–underinflated tyres increase rolling resistance and decrease fuel economy, while both overinflated and underinflated tyres cause uneven tyre wear–it is not the only thing consumers need to think of when it comes to the rubber that’s touching the road.

Tyre Life

The average life of a set of tyres varies based on driving conditions, driving style, brand, tyre composition, and proper maintenance, but the average life span is probably 20,000 miles for most sets. A shorter life span may be the norm for tyres on sports cars, because they may use a softer composition that allows for better handling but causes the rubber to wear faster.

Tyre wear isn’t the only thing that defines a tyres life span. Even tyres that haven’t worn out yet may need to be replaced, due to a condition called “dry rot.” Dry rot occurs as sunlight causes the rubber on the sidewalls to crack over time. If dry rot has gotten bad enough, the tyre will need to be replaced.

Sidewalls can also experience “air bubbles,” usually after the tyre has hit something, such as a curb. When this occurs, the tyre usually needs to be replaced. You can buy quality tyres for affordable prices online via tyres-guru.co.uk. Continue reading “Why Proper Tyre Maintenance is Important”

The Various Types of Car Insurance

All vehicles being driven on the roads of the UK must have appropriate insurance. Thankfully, there are various types of car insurance available to meet the needs of all cars and all drivers. By law, the minimum car coverage required is one called third-party coverage; however, there are other types of car insurance you can choose from.


Third-party insurance is the cheapest car insurance available and covers all parties in an accident involving the insured automobile except for the person holding the insurance policy. Damage to property and other vehicles besides the insured person’s vehicle are covered as well.

Fire and Theft

Another type of car insurance that is fairly cheap, but includes more coverage than the standard third-party policy, is fire and theft. Fire and theft work in the same manner as as the standard third-party insurance except that fire and theft covers stolen vehicles or those damaged by fires. Replacement and repair costs are included in this type of policy.

Types of Car Insurance

Fully Comprehensive

Fully comprehensive is a type of insurance for cars that provides the most coverage for drivers and their automobiles. This policy is a combination of the coverage of fire and theft, third-party, and other coverage scenarios. Under most circumstances, fully comprehensive policies insured accidental damaged to the vehicle despite who the at-fault driver is. There are also many other coverage points included in fully comprehensive insurance that are different depending upon the individual company and the plan.

However, because there are a lot of coverage options when you purchase a comprehensive car insurance plan, it can be expensive to pay for. Owners of new automobiles tend to lean towards comprehensive insurance because new cars carry a lot of value, which justifies the high premium rates that come along with it.

Comprehensive Auto Insurance: A Primer

Car insurance is extremely important. Not only is it required by law, but it also protects you when you are driving a vehicle from potentially losing your license or going bankrupt. When it comes to shopping for car insurance, it can be frustrating trying to understand all of the different terms and conditions of each policy. One type of coverage that you will come across is comprehensive auto insurance.

What is Comprehensive Auto Insurance?

Comprehensive car insurance will cover your vehicle from any unexpected unfortunate events that may bestow your vehicle. This is not to be confused with collision coverage that covers your vehicle when it is damaged in an automobile accident. Instead, comprehensive coverage will pay for damages from things such as hail, tree limbs, fires, flood, and wind damage. Generally, this type of insurance will be combined with a collision plan, but comprehensive auto insurance may be purchased on its own as well.

Comprehensive Auto Insurance

How Comprehensive Coverage Works

If your vehicle incurs any type of damage that is covered by the plan, your insurer will asses the damage and determines the amount that they will pay for either repairing or replacing your vehicle. For example, if a tree limb falls on your car and the windshield is shattered, the insurance agent will determine the cost of replacement. If the replacement value is $2500 and you have a $500 deductible, the insurance company will write you a check for $2000 to use to replace your windshield.

Pros of Comprehensive Coverage

The benefit of having comprehensive coverage is that any damage that is done to your car will be paid for minus your deductible. This includes if your car is stolen. It is nice to have the peace of mind in knowing that you will only have to pay your deductible amount if anything happens to your car. Comprehensive coverage is not required by law, but is very beneficial if you live in a place where theft or natural disasters occur often.

Cons of Comprehensive Coverage

Comprehensive coverage sounds wonderful, but there are a few cons of this type of insurance as well. First, there are damages that your policy will not cover. It is important to read your policy carefully to make sure you understand what is and is not covered. Many people think that comprehensive coverage will cover any damage that is done to their car, including accidents with other cars. This is not the case, there are several restrictions set by insurance companies regarding comprehensive auto insurance plans.

Coverage Limits and Deductibles

When looking for comprehensive coverage, there are two terms that you need to know. Coverage limits refer to the maximum amount the insurance company will pay for any of the damages that occur to your car. Consider setting your maximum coverage limits at the amount your car is worth to make sure that if your car is totaled it will be paid for.

7 Tips To Find Cheap Insurance For Your Vehicle

It is a known fact that the vehicle insurance rates have skyrocketed in the recent years. At such, one needs to take all the necessary precautions to keep the insurance premiums in check. In this post, I will provide 7 tips to find cheap insurance for your vehicle.

Choose the right vehicle

The most important thing to consider is the selection of vehicle. Be realistic while selecting your vehicle in terms of price. Again, the insurance quote of your vehicle also depends on a number of other factors. For instance, if you get modifications done in your vehicle, the price of the insurance will increase.

Use Comparison websites

Since there are a number of insurance providers, it is a wise idea to make use of comparison websites to compare the quotes. There are a number of websites that provide updated information about the prices charged by different insurance companies. You can even make use of this data to negotiate the renewal charges with your current insurance provider. For instance, if you find out that any particular company charges less renewal for your vehicle, you can convey this to your current provider for a better offer.

vehicle insurance rates

Pay Upfront

One of the easiest methods to save money on the vehicle insurance is to make upfront payment. Most of the insurance companies provide an option to pay monthly installments as insurance premiums. Though this option might seem convenient to many, it finally ends up consuming more money out of your pocket. Thus, it is quite better to pay upfront as it allows you to save a lot of money.

Have a clean License

Having a clean motor license will also help you to avail less insurance charges. On the other hand, if you commit motor offences frequently, you will have to pay higher charges. Thus, you should always drive carefully and avoid any motor offence like speeding up. Another important thing to remember here is that in case an accident occurs; you must convey this to your insurance provider. Hiding this information can lead to termination of insurance.

Buy the vehicle insurance online

Buying the insurance online is not only convenient and time saving but it also saves you a lot of money. The insurance companies provide cheaper insurance for vehicles when purchased online. This is because it is convenient for the provider also. You can get an idea about the difference in offline and online rates with the help of price comparison websites.

Make use of no claim bonus

If you have insurance for your vehicle and you do not file a claim, you are provided a no-claim bonus. Once you have gathered the no-claim bonus for few years (4-5), you are offered exclusive discounts by your insurance company.

Make use of Group Policies

Most of the insurance providers provide exclusive discounts for people taking group policies.  Thus it is advised to take the policies for all your family members from the same insurance provider.

It’s the Season for Campervans! Get a New Insurance Quote Today!

If you’re thinking about going for long trips with your campervan, you can definitely do so. However, you must make sure that you have the right cover. Accidents on the road happen, and being underinsured is actually one of the top problems that UK motorists of all stripes deal with. There has to be a better balance between a policy that’s cheap but ineffective and a policy that’s effective but not cheap…right? Thankfully, this is definitely the case. The rise of the Internet has made it a lot easier for UK consumers to look up insurance quotes, which means that insurers have lost their “homefield advantage”. They must trust that people will turn to them because they’re the right solution. They have to get more competitive with their insurance rates.

If you’re going to look up campervan cover, the little details matter. Getting the model and make of your vehicle is important, as well as the mileage. If you plan to go on a lot of trips, you may have to disclose that. Mileage restrictions aren’t as common as they used to be, but they can still occur.

You also want to make absolutely sure that you’re looking into multiple quotes. You might feel a little bit of loyalty to your current provider, but that doesn’t mean that you should stop the idea of saving money whenever possible.

Campervans insuranceYou need to think about what’s going to actually be in your best interest. Taking out a policy that has a slightly higher level of coverage than the minimum is a good thing. If you can’t do that, then you’re going to have problems later down the line. That’s just not what you want at all, is it? You have to think about things from your own perspective and then go from there — that’s really all you can do.

If you have a chance to look it up, you want to make sure that you’re going to also get roadside assistance with your policy. If it’s not an add on, then you need to take out a separate policy. Breaking down on the side of the road would be a disaster — especially if you have a campervan full of your most used items. That would be touch. You need to be aware of the situation and just plan accordingly before you head out on your next trip. Most of the time if you buy a policy online, it will be made active for you on the same day. This means that you have the right coverage from the beginning. Good luck!

Get your PPI money back – It’s yours when mis-sold

There has been a lot of buzz around how Payment Protection Insurance sales have been mandated to be reverted and the payments to be returned to those who were wrongly sold the policy for several years. When the High Court ruled over this matter, there was nothing that the banks could do but to oblige and conduct reviews to weigh how valid the PPI claims were when they all started coming in.

As a consumer who depends on credit for most your financial responsibilities, you could have been one of the millions of people who were offered this product at the time you were taking out a loan, credit card, or mortgage, and were eventually pushed to buy it. If there was at the very least, some irregularities in the way PPI was sold to you, you should know that you can now file a claim to get the payment back, and the interest it incurred since it sat alongside your credit account.

PPI money backIf you’re unsure what PPI is and that you have it on your account, you can begin by checking your documents for any reference to the policy. PPI is an add-on financial service meant to help consumers cover their debt repayments at a time where they are unable to because of a prolonged illness, recuperation from an accident, or being made redundant from work. It’s a non-compulsory product applied alongside any form of finance agreement and is subject to eligibility requirements. Looking through your statements or agreement forms can help you find out how much you have approximately paid to the policy and for how long. Also, upon agreeing to sign up to PPI, a policy certificate would have to have been sent out to you. It will contain all the essential information that you need to know about the product and your option to cancel the policy within a cooling-off period will also be indicated there. These documents, aside from letting learn a whole lot about PPI, will also serve as proof once you begin making a claim.

When reclaiming your PPI payments, you have the option of hiring a PPI claims expert to do the work on your behalf or you can do it by yourself. Either of them follows the same process nevertheless and the same turnaround time for the results. What you need to begin with is to put the PPI claim in writing. Calling your bank to clarify the issue will be an option but for an investigation to begin, they will need a written request from you along with pieces of information and documents that you may deem to prove the mis-selling.

There are several ways in which banks and other insurance broker have devised to mis-sell PPI. People have been shocked and upset to have realised they were fooled into one of those selling tricks. To help you write your claim and describe how it was wrongly sold to you, you can refer to the following: Continue reading “Get your PPI money back – It’s yours when mis-sold”

Why Your Car Cover Premiums Have Gone Sky High

If you’re looking for reasons why your car insurance premiums have gone up in the last few months, you might want to go back to the EU gender ruling. Unfortunately, this was something that wasn’t as reported in the press as you might imagine. The truth is that a lot of insurers used to give “breaks” on premiums based on the gender of the driver. The new EU ruling that came effective 21 December 2012 indicates that insurers cannot take gender into account when calculating premiums. This is actually illegal at this point. Car insurance and motor insurance as a whole will be affected the most, but other forms of insurance will be affected as well.

What this really means is that young men might see a decline in premiums, but women will usually see an increase in premiums. That’s something that can be pretty hard to deal with, especially when money is already tight for all of us.

Car Cover Premiums

Thankfully, women in the UK can fight back by looking into telematics-based car cover, which takes into account their actual driving behavior. You don’t have to take these increases lying down. Even though telematics sounds new, it really isn’t. What you’ll be getting is a little “box” that is installed into your vehicle. It even helps you if you have an accident, because help can be sent directly to your location. If your vehicle is ever stolen, the telematics unit can be used to discover the location. This is also something that criminals can’t just easily remove, which means that even if they were to search your vehicle top and bottom for the tracking device, they’re not going to be able to find it. Trust us, this is very good news no matter which way you slice it.

You should still be shopping around for quotes. This isn’t the time to get discouraged and think that all hope is lost. This is something that you’re going to need no matter what, so you might as well figure out the best policy for you.

The usual advice about coverage applies — going for the cheapest coverage possible may leave you exposed in some pretty nasty ways, so you want to still read over your policy before you really commit. This will allow you to look at what exclusions the insurance company has, if any apply. Good luck!

Short Term Car Insurance

A short term car insurance policy is for you if you need car cover for a short period of time. Common situations include test driving or taking delivery of a new car, insuring friends and family so they can legally drive your car, and likewise, for you to drive someone else’ car. A short term car insurance policy will cover you for a period between 1 and 28 days.

Short Term Insurance Cover

How to get short term insurance:

1. Go to the websites of temporary or short term car insurance providers.
2. See if they offer quotes through online forms.
3. Complete and submit online quotes.
4. Copy your details to Notepad or Textedit for future online quote submissions
5. Rinse and repeat for other short term insurance providers. Apply for as many quotes as possible to ensure that you get the best rates.

The specific features of short term insurance policies are outlined below.

Car Accidents and Lost, Stolen or Damages Due To Fire/Theft/Vandalism

Your short term insurance policy will cover you if your car is stolen or damaged. This includes paying for the car repairs, replacing the car or reimbursing a sum equalivalent to the loss or damages. Note that these payments will be made to the legal owner of the vehicle. Most policies will cover up to a maximum of £40,000.

Replacing A New Car Under Short Term Car Insurance

Short term car insurance policies will pay out under new car replacement coverage if the cost of repairing or replacing your car exceeds 60% of the list price, inclusive of tax and VAT. This coverage is only applicable if the car is legally owned or under a hire-purchase agreement. Leases and other contract-hire agreements do not qualify.

Accident Recovery

Should you find yourself in a car accident involving your short term insured car, your insurer should cover the costs of the repairs and delivery of your car upon completion. Note that the insurer will likely require the repairs be carried out by a repair facility specifically approved by the insurer. An additional benefit of working with an insurer-approved facility is that the work will be guaranteed for typically three years.

Cover For Miscellaneous Legal Liabilities

Most providers of short term car insurance will cover legal liabilities up to £5,000,000. Example scenarios include death, injuries or property damage caused by an accident involving your insured car.

Get started today by getting a quote for short term car insurance from a reputable insurance companies or learn more about short term insurance.

Temporary Car Insurance – Top 3 Reasons

Temporary car insurance is insurance cover for periods of 1-28 days. In addition to protecting cars, you can purchase temporary motor insurance for vans and motorbikes as well. Temporary insurance can be bought over the Internet, without needing an insurance broker.

Here are the top 3 reasons to consider temporary car insurance.

1. Lending Or Borrowing A Car

Do not risk your annual insurance policy when lending your car out to friends. Should anything unfortunate like an accident happen, your insurance policy will likely be involved. This is especially true if your friend does not have insurance cover themselves.

Likewise, get temporary car cover if you will be borrowing someone else’s car for an extended duration. It’s the responsible thing to do!

Temporary Car Insurance2. Your Car Is In The Shop

Unfortunately, the courtesy car provided to you while your car is in for repairs does not come with free insurance. Purchase short term car insurance separately to save on the rates. You’ll likely get better coverage as well.

3. You Bought A Car But Still Shopping For Annual Cover

Strangely, many new car owners put off shopping for an annual insurance policy until the papers have been signed and they’re about to drive their new car home! Pick up temporary car insurance to buy you some time. And don’t skimp on the comprehensive coverage protecting against loss or damage from fire, theft and vandalism.

Temporary car insurance goes by different terms including short term car insurance and one day car insurance. Remember to get as many quotes as you can before making a decision. You could wind up saving a bundle!

One Day Car Insurance for Under 21

Although there are many insurance providers in the UK that offer short term car insurance, drivers looking specifically for one day car insurance for under 21 year olds have very limited options.

Unfortunately, most drivers under the age of 21 do not qualify for car insurance underwriting. Car insurance companies consider many different risk factors before approving a policy and in the case of under 21 year old drivers, one day car insurance is currently not a feasible product in the marketplace.

One Day Car Insurance for Under 21This is could change however as insurance laws and underwriting rules frequently change. It is very possible that as one day car insurance for 21 year olds has since become available after time of writing. Our best advice is to continue your search and apply for online quotes with as many insurers as possible. This ensures that your chances of finding car cover.

If you do happen to find an insurer that offers short term car insurance to young drivers, we’d be happy to hear from you and we’ll update this page to help other under 21 year old drivers in the UK.