If you want cheap car insurance quote in UK, then just get insurance by the Automobile Association. One top car insurance company in UK, the Automobile Association, gets you the best car insurance quotations with your regional agencies.
The AA provides its members a host of benefits, like getting exclusive discounts for coverage of breakdowns, an also a discount without any claim. The AA will also provide you with 2 items within the time period of your policy which will not be recoverable, and will not bring down the no-claims discount of yours. Many companies of motor insurance bring down this discount only under the circumstance of the item claimed not being recoverable.
The other facilities provided by the Automobile Association to its members include:
* Payment for credit cards and debit cards
* Option of changing the policy on the internet
* Coverage in Europe for 90 days, which is immediate
* Taking and printing the quote online
* Renewing the policy on the internet
* Quick payments with direct debits
Given the huge experience of AA in dealing with getting claims for its members and other support services like cross checking the insurance's validity and giving you information after this has been verified, they are now experts in this field. The motor insurance of AA will also help you recover losses which aren't directly insured, like losses due to physical injury, or loss of profit due to accident, etc.
Another advantage to the members of AA is that while on a trip or otherwise to a non-UK country, the insurance coverage is maintained over there for a period of ninety days, or even fully in some cases, with no extra cost. If you ever have a mishap in UK, you just need to know the basics of making a claim for the insurance taken in the United Kingdom.
Unless otherwise expressly stated in the contract of insurance, the insured is liable to pay for all the expenses out of hid own pocket, related to the immediate costs borne after a mishap. So if prior to meeting with an accident, you get and have your car repaired in a garage in such circumstances, the insurer will not oblige to pay you the claimed amount, as the expenses immediately after the accident were bound to be paid by you. A better idea would be to call up the insurance agents and get your car done in a garage as specified by them.
Bear in mind to retain the receipts of all the expenses that you have incurred. No matter is you are sure that you won't be reimbursed for any given expenses that you might have incurred following damage to the car, it is essential for you to have the receipts of such expenses handy while making the claim. So if the receipt is not found with you, any hopes of getting back the expenses incurred are going to be shattered.
Keep these things in mind to get a cheap car insurance quote in UK.
Thursday, February 26, 2009
Car Insurance Quote UK - Are You Looking for One?
Monday, February 23, 2009
What Influences How Much You Pay For Your Car Insurance Premiums
There are people who go their whole lives with a specific 'dream car' in mind. Once they can afford to buy it, nothing will stand in their way! Even if they have enough money to purchase a more expensive, or 'luxury' vehicle, they will buy a car in the cheaper price range simply because it is the car they have always dreamed of driving.
For some, their ideal car may be a white Citi Golf. They are pleased with their purchase – its fuel efficient, small and nifty, and most importantly, it's what they've always wanted. They are happy; until the day they apply for insurance for their beloved vehicle. The price they are quoted is exorbitant, an almost ridiculously high rate for a relatively inexpensive and simple vehicle.
This is because most people do not realize there are more 'hidden' risk factors that insurance companies take into consideration when determining the rate of your premium. There are a number of hi-jacking and car theft syndicates in South Africa. Many of their motor vehicle targets are cars that are in high demand by their cross-border contacts; cars that have parts which are easily replaceable and easy to sell.
Unfortunately for some, their 'dream car' may fall into this category. In relation to this point, your car insurance premium can be lower than necessary, should you provide proof that you are using all the essential measures to protect your vehicle from theft or hi-jacking. These can include a car immobilizer, a vehicle tracking device, a car alarm and also providing a locked garage within to house your motor vehicle.
Another commonly recognized risk factor is age. Insurance companies don't particularly like insuring an 18-year-old with their first car! Age equals experience and also a level of maturity that abhors recklessness, although there is an exception to every rule. Therefore the older you are the less your premium will be. This factor is amplified in the respect that there will be a longer driving history to analyze.
Logically, an insurance company will want to know your driving history before compiling a quote. If you have been involved in one or more car accidents in the past, your premium will rise as a result. If you have been involved in a car accident in the past they see you as high-risk, someone whom they are more likely to have to pay out for in the future. As a result, the premium will be higher than someone who has never been involved in a motor vehicle accident in their whole driving history.
In conclusion, there are many factors that affect the rate of your car insurance premium. Some are unavoidable – being age and previous motor vehicle accidents. After all, an accident is an accident, and an 18-year-old is going to need car insurance just as much as a 40-year-old. Some can be helped – choosing a car that is low-risk for hi-jacking and theft, and providing a locked garage and an anti-theft device for your vehicle. These preventative measures show that your car is less likely to be a target of crime. This will make you a lower risk to the insurance company and therefore lower your premium.
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