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Posts Tagged ‘motor insurance’

The Benefits Of Getting Older…in Terms Of Your Car Insurance

Friday, July 23rd, 2010

There is an old saying that ‘certain things get better with age’. One of the things that most certainly gets better is your car insurance policy with AXA insurance. If you are the owner of a full license and are over 22, then your policy will improve. There is a very strong chance that you now have a ‘Driving of Other Cars’ extension on your insurance policy.

For the majority of older AXA customers, they are covered with car insurance while driving other people’s cars. If you get permission off the other car owner then you will be covered by 3rd party car insurance while driving that car. You get this cover without actually being a named driver on the owner’s insurance policy. This is a great deal for older drivers.

Take this as an example of how valuable the ‘Driving of Other Cars’ could be for you: You and 3 of your friends are planning a trip to the coast for some surfing this weekend. Instead of taking 4 cars your friend offers to drive everyone down. The weekend goes mightily but your friend sprains his arm and can’t drive home. What do you do? Luckily, because you have the ‘Driving of Other Cars’ extension you are there to save the day. You are free to jump in the driver’s seat and drive home secure in the knowledge that you are covered by 3rd party car insurance.

This cover only applies if you don’t own the car or haven’t hired it under a hire-purchase agreement. The easiest way to check if you have this cover is to have a look at your certificate of insurance - the covers you have are shown in Section 5(b).

Of course, it’s important to understand some of the things the ‘Driving of Other Cars’ extension does not cover. It only applies to private passenger vehicles, and does not cover you to drive - vans, car-vans, jeep type vehicles with no seats in the back, vans adapted to carry passengers

When you’ve been with AXA for 3 years with comprehensive cover, we will upgrade your Third Party “Driving of Other Cars” cover to Comprehensive “Driving of Other Cars” cover at no extra cost. This means we will cover you to drive someone else’s car on a comprehensive basis, so if you accidentally damage the car, the damage is covered. No other insurance company in Ireland offer this type of cover to customers.

AXA car insurance Ireland provide lower insurance quotes for older drivers. Get your auto insurance from AXA today.

20% Of Drivers Drive On After Hitting Another Parked Car

Saturday, June 26th, 2010

OK, so you have been on your shopping expedition and you have picked up some good bargains. You return to the car park and bang your mood suddenly changes. Someone has dented your car. Is there anything more infuriating? Most of us have experienced this scenario, especially when we were just learner drivers. The question is though, would you own up to this accident and leave your details behind or would you make a quick getaway? A new survey indicates that as many as 1 in five people would not own up to damaging a parked car.

Another cause for concern is if you are the proud owner of a beauty of a car. 20% of 3000 drivers who were questioned in a recent car insurance survey admitted that the decision on whether to own up to an accident would depend on the type of car they crashed into. It is better to have a crock of a car in this instance as only 1% of drivers would own up if the car they hit was a VW Golf GTi.

Of those who were surveyed, almost half had had their own parked car damaged, and only 15 percent of those were left details by the culprit. Two thirds said they wouldn’t leave their details if they couldn’t see any visible damage on the car they hit - probably by persuading themselves that bang they heard was nothing after all!

In the battle of the sexes, women prove to be a more honest bunch. Women are 6% more likely to won up to crashing into a parked car than men. Hurray for the women, but it is still shocking that so many people would walk away after hitting someone’s car. Especially if it is your own car!

Not to keep hammering new drivers but once again the main culprits on the road are new drivers. Up to 25% of new drivers would not admit to even damaging their friend’s car. Contrast this with drivers in the over 55 category who seem to be a more honest bunch. 94% of these elderly drivers would own up to this incident as it has happened to them in the past

Protect your parked car against damages from other cars with AXA car insurance. Visit our site and receive cheap car insurance online today.

How To Locate The Ideal Car Insurance

Wednesday, March 24th, 2010

Under UK law having car insurance is compulsory and to drive a vehicle without insurance is a criminal offence that could result in a prison sentence. With so many car insurance companies and brokers in the UK all vying for you business, how do you find the best car insurance that meets your needs? We look at some of the factors to consider in this article.

Car insurers generally categorise their risks according to driver ages and also their gender. So if you are a male driver between seventeen and twenty five years of age, you will be seen as at greatest risk of an accident by the insurers and your premiums will be priced accordingly - very high, unfortunately. In contract a woman over 50 years old is seen as at low risk of making a claim and so she is very likely to have the lowest car insurance premiums to pay.

The amount of cover provided by a policy also determines cost. Whilst third party insurance meets the legal requirements and is generally the cheapest, it only provides cover for any third parties involved in a claim. Any damage to you or your vehicle is not covered by this sort of policy.

When you get a car insurance quote, the premium or the cost of the insurance will vary from company to company. This is because each company will base their quote on a set of risk factors and increase or decrease the premium depending on how your rate against these factors.

This might sound complex but actually insurance is all about balancing risk with profit so when you apply for a policy with an insurer, they are looking at the chances of you making a claim and then pricing their policies against that risk.

The premiums charged by the insurers will depend on the specifics of your car and also your own circumstances. Your occupation, where you live and whether you use your car for business will all contribute to the premium.

You will also be asked to estimate the number of miles that you will be travelling in the car each year as the more miles that you drive, the greater the chances of you having an accident, unfortunately. On the other hand if you only drive a few thousand miles each year then you may well be eligible for a discount on account of your low mileage and hence lower risk of making a claim.

Visit this link if you would like to find out more about motor insurance.

Discount Automobile Insurance - Ways To Get Free Car Insurance Quotes

Sunday, March 21st, 2010

For many people, car insurance looks like a choice, and not truly a must. For an individual who has got a car, automobile is truly a necessity to be safe in regards to your car. For numerous states, auto insurance is mandatory and necessary in order to have an auto and register it. Having vehicle insurance protects other drivers if there is a collision. Until you realize that you have been in a car crash and all of a sudden are paying 1000s of $, you don’t realise that having automobile ins is truly a blessing.

Getting discount car insurance used to be a real battle. You had to ring up every ins company and go through the long procedure of providing numerous details about yourself to employee working there. By the time you obtained a couple of quotes things are going to begin to get confusing and you may forget who gave you more affordable quote. Get Free Car Insurance quotes instantly, and choose from the vehicle insurance rates that you like. Check how the affordable coverage you need is provided at more affordable rates than found practically anywhere else in the country. Affordable auto insurance which offers good protection often seems like a dream too good to be true.

Get Cheap Auto Ins quotes right away, and choose from the car insurance rates that you choose. Check how the cheap coverage you need is provided at cheaper rates than found almost anywhere else in the USA. Affordable vehicle insurance which offers quality protection usually appears as a dream too good to be true.

Whenever you go looking around for a vehicle insurance policy you are looking for 2 things: outstanding coverage policy and great deal. That doesn’t mean $ is all you ought to be concerned about though! You want to make sure you have got a car ins provider that will stand behind you before you start paying hundreds of of $ every month in premiums. You have got challenges, and you need to be sure where to find answers.

Web has given us a new and terrific fashion to find out just about anything we need to order cheap automobile insurance. Purchasing car ins policy on-line is helpful for you because you will acquire car insurance rate from reputable companies, compare the rates and choose the one that meets you in the best way. You need not go out of your house or office and you get the auto cover in considerably less time.

You are going to get the best affordable free car ins quotes now by checking a minimum of about 3 vehicle ins quotes sites. Requesting quotes from at least of 3 quotes sites raise the chances that you’d save more money. This is because any aspect not covered by one insurer will be covered by the other.

There are really many secrets to save money on vehicle insurance without restructuring your existing automobile ins policy at all. There are many common laws of the road that we usually disregard and by rejecting them we can substantially increase our auto ins rates. There are a couple of tricks to assist you lower your auto ins rates.

You need to compare auto ins when you first buy insurance, but it is likewise very important to analyze vehicle ins regularly and when you believe that anything concerning your driving has changed. Check auto ins charges is if you have just paid your automobile off. If you don’t have a loan on your car you are going to drop your insurance liability amount and pay less for your auto insurance and still be fully covered.

Free Car ins quotes are going to show to you cheap ins options for yourself as an automobile owner. Nowadays, you can discover free quotes from some car insurers without having to pay a single cent.

Get Free Vehicle Insurance quotes right away, and select from the car insurance rates that you like. See how the discount coverage you want is provided at cheaper rates than found practically anywhere else in the country. Cheap car insurance that offers quality protection regularly appears like a deal too good to be true.

Discount Car Insurance - Tricks to Find Free Vehicle Insurance Quotes

Friday, March 19th, 2010

For far too many people, car ins looks like an option, and not actually a must. For someone who has an automobile, automobile is truly a necessity to be protected in regards to your automobile. For many states, auto insurance is required and needed in order to even have a car and register it. Having car ins protects other drivers if there is a wreck. Until you see that you have been in an automobile accident and suddenly are paying thousands of dollars, you do not realise that having vehicle insurance is actually a good thing.

Finding cheap automobile insurance used to be a real struggle. You needed to call every ins company and complete the long procedure of specifying hundreds facts about yourself to employee answering calls there. By the time you have some quotes things will start to get boring and you are going to even forget who gave you more affordable quote.

Buy auto insurance complaints, and choose from the car insurance rates that you like. Check how the inexpensive coverage you need is provided at cheaper rates than found practically anywhere in the country. Affordable auto insurance which offers great protection often is like a dream too good to be true.

Whenever you go shopping around for an automobile insurance policy you are searching for 2 entities: great coverage policy and great deal. That doesn’t mean $ is the only thing you should be worried about though! You want to be certain you have got a vehicle insurance company that is going to assist you before you start paying 100s of dollars month after month in premiums. You’ve got questions, and you must to be sure where to go for answers.

Internet has offered us a brand-new and fantastic manner to discover almost anything we want to buy discount car insurance. Purchasing car ins policy on-line is convenient for you because you are going to acquire auto insurance rates from reputable providers, judge the rates and take the one that meets you in the best way. You need not move out of your condo or office and you get the car cover in very less time.

You will get the best discount free auto ins quotes now by checking at least of about three vehicle ins quote sites. Requesting quotes from at least of about three quotes sites double the chances that you’d save more money. This is as any aspect not covered by one insurance firm would be covered by the other.

There are truly numerous secrets to save some money on car ins without restructuring your current automobile ins policy at all. You have numerous well known laws of the road that we tend to disregard and by rejecting them we can dramatically increase our vehicle insurance rates. There are a few secrets to assist you decrease your automobile ins rates.

You must compare auto insurance if you first purchase insurance, but it’s likewise very important to analyze auto insurance occasionally or when you consider that any aspect concerning your driving has changed. Review car ins charges is if you have lately paid your car off. Whenever you don’t have a loan on your vehicle you are going to drop your insurance collision amount and pay lower amounts for your car insurance and be fully covered.

Free Car insurance quotes are going to reveal to you the most affordable insurance options for yourself as an auto owner. Nowadays, you will discover free quotes from most car insurers without the need to invest a single cent.

Buy online car insurance quotes, and choose from the auto insurance rates that you prefer. See how the inexpensive coverage you need is provided at cheaper rates than found virtually anywhere else in the country. Cheap auto insurance that offers basic protection regularly seems like a deal too good to be true.

Cheap Auto Insurance - Tricks To Receive Free Car Ins Quotes

Tuesday, March 9th, 2010

For many people, automobile ins appears like an option, and not truly a must. For a person who has got a car, automobile is actually a necessity to be safe in regards to your vehicle. For numerous states, vehicle insurance is required and needed in order to have an auto and register it. Having vehicle insurance protects other drivers whenever there is a collision. Until you realise that you have been in an automobile wreck and all of a sudden are paying thousands of $, you do not realise that having auto insurance is really a good thing.

Getting cheapest car insurance used to be a real battle. You needed to call every ins company and negotiate the long procedure of giving hundreds of details about yourself to individual doing work there. By the time you have a couple of quotes things will begin to get unclear and you will even forget who gave you that more inexpensive quote. Get Free Auto Insurance quotes at once, and choose from the auto ins rates that you prefer. Check how the affordable coverage you need is provided at more affordable rates than found virtually anywhere else in the USA. Cheap auto ins that offers good protection usually looks like a dream too good to be true.

Get Affordable Vehicle Insurance quotes at once, and choose from the auto ins quotes that you like. Verify how the affordable coverage you want is provided at lower rates than found practically anywhere else in the USA. Discount auto ins which offers good protection regularly appears like a dream too good to be true.

If you go looking around for a car insurance policy you are searching for two attributes: best coverage policy and outstanding deal. That doesn’t mean $ is all you ought to be worried about though! You need to be sure you’ve got an automobile insurance provider that is going to stand behind you before you start paying hundreds of of dollars month after month in premiums. You’ve got challenges, and you need to know where to get solutions.

Internet has provided us a brand-new and great fashion to find out just about anything we need to purchase discount automobile insurance. Buying car insurance policy on-line is convenient for you also as you are going to obtain car insurance rate from reputable providers, judge the rates and extract the one that meets you in the best manner. You want not move out of your condo or business office and you acquire the vehicle cover in very less time.

You will get the best affordable free vehicle insurance quotes now by visiting at least of 3 auto ins quotes sites. Obtaining quotes from a minimum of three quotes sites double the chances that you’d save more money. This is since any aspect not covered by one insurance company will be covered by the other.

There are truly many tricks to save a lot of money on auto ins without changing your existing auto insurance policy at all. There are numerous common laws of the road that we commonly disregard and by rejecting them we can substantially increase our car insurance rates. There are a few secrets to assist you lower your auto ins rates.

You must compare car ins when you first buy insurance, but it is likewise very important to examine auto ins regularly or whenever you believe that any aspect referring to your driving has changed. Check car insurance charges is if you have lately paid your auto off. When you no longer have a loan on your auto you will drop your insurance liability amount and pay much less for your car ins and be fully covered.

Free Auto ins quotes will reveal to you inexpensive insurance options for you as a car owner. Today, you are going to find free quotes from most auto insurance firms without the need to invest a single dollar.

Get Free Auto Insurance quotes instantly, and select from the vehicle insurance quotes that you like. Check how the cheap coverage you want is provided at cheaper rates than found virtually anywhere in the country. Affordable vehicle insurance that offers good protection regularly looks as a dream that is perfect.

Compare Insurance

Monday, February 22nd, 2010

Insurance is a confusing business. Odd terminology, fine print and high pressure tactics may keep you from really researching and comparing your options. While quick insurance shopping may get you a policy, it probably wont get you the right insurance policy.

There are many types of insurance out there and countless policies offered for each insurance type. Educating yourself about how the insurance system works should be your first step before choosing a policy.

You be be enthralled to learn that sixty-five percent of South Africans do not have auto-insurance. Because the high risk of bodily injury and perish on South African roads, this is a spell bounding statistic.

Car Insurance usually comes in three forms. Third party cover offers the minimum coverage when you injure another person or damage someone elses property in a motor vehicle accident. Then there is Third Party Fire and Theft which includes cover provided under Third Party and also adds protection for damage caused by theft or attempted theft or fire. And finally, Comprehensive cover which provides protection for your vehicle when you are responsible for an accident

Auto cover premiums can be expensive so compare policies and quotes. Negotiate with the insurance companies for a better rate and consider higher excesses and increased security measures to lower your premiums further.

Term life insurance is the least expensive option and provides cover for a specified amount of time or can be linked to specific debt obligations. Term life is beneficial for families that may have a large amount of debt that will be paid off by the end of the policy’s term.

Whole life insurance is permanent insurance that remains in effect as long as the premiums are up to date. The policy does not need to be renewed and the premiums remain the same throughout the life of the policy. It provides your beneficiaries a lump sum at your death regardless of when that occurs.

Universal life insurance cover is structured the same way as whole life in that it is permanent insurance with level premiums. In addition, it adds provides financial products such as a savings plan, investments and the ability to add a person to the policy. It is the most expensive life insurance option due to its flexibility.

Your life changes and it is always beneficial to check on the current status of your life insurance to make sure it is still meeting your needs.

In the past, when obtaining a mortgage loan, borrower’s were often locked in and required to purchase their insurance from the company specified by their lender. Now, thanks to the National Credit Act, consumers have freedom of choice, and can pick the coverage and provider that best meets their insurance needs. In most cases, lender’s still require that payment of insurance premiums be bundled with the mortgage payment.

No matter what type of insurance you’re looking for, always remember that the cheapest policy is not always the best. A bicycle is cheaper than a car, but it cannot meet your transportation needs in the same way. You goal is to find an insurance policy that meets your coverage needs cheaply.

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Aricas leading car insurance portal.

Different Types of Car Insurance

Saturday, February 13th, 2010

Roughly 65 percent of South African motorists don’t have car insurance. That is extremely worrying for the minority who do. What is preventing all these people from assuming responsibility and buying at least the basic cover?

Lets commence by summarizing the types of insurance.In south africa, auto insurance coverage has three basic types.

The minimum cover is Third Party. This covers your liability (costs) if you damage someone elses personal property in an automobile accident. This includes other vehicles or structural property that may also be damaged.

You also have the option of buying Third Party Fire and Theft which would cover incase of any damage to your vehicle by fire, theft or attempted theft.

Comprehensive cover is the one that is recommended for most South Africans. And the aAdvantage of comprehensive motor insurance is that it is unique as it covers the most South Africans including Third Party Fire and Theft. It also extends to cover the damages to your own or someone else’s car when you are driving it.

Other insurnce schemes mainly consider the drivers in South Africa.they may be comprehensive covers,bike or caravan also.

Because South Africa is a high risk insurance environment, premiums can be high. But you can take some steps to lower your premiums.South Africa is often a world leader in traffic injuries and fatalities and the roads are becoming increasingly dangerous. Car theft and hijackings are also all too common.

When deciding on a policy, it’s best to shop and compare quotes first. The best way to do this is by looking online which may enable you to get a lower price according to the company you want to work with.

Safe drivers pay lower premiums. If your current carrier will not reward you for claim-free years, check for better rates with another company.

Examine your excess amount. The higher the excess, the lower the premium because you are responsible to pay the excess in the event of a claim. If you can afford it, raising your excess amount will help you save in the long run.

Are you an owner of an expensive or high performance vehicle, if so you will end up paying more for premiums. These luxury vehicles attract high rates to insure as it is expensive to replace or repair. Keep in mind when buying a car that insurance premiums adds to the value of owning it.

Receive discounts and pay lesser premiums by exceeding the security requirements mandated by your insurance company. So get your vehicle installed with security gadgets that exceeds the minimums specified by your insurer.

If you live in a high crime area, your car is at greater risk for theft or hijacking. Consider moving to get lower premiums. You can also receive a discount if you park your car in a locked garage or behind locked gates overnight.

Most of all, dont be afraid to negotiate. An insurance company that is interested in your business will be willing to work with you in order to earn your business.

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Aricas leading car insurance portal.

Affordable Car Insurance - Advice To Find Free Vehicle Insurance Quotes

Tuesday, February 9th, 2010

For far too many people, car insurance appears like an option, and not truly a necessity. For an individual who has an automobile, car is really a must to be protected in regards to your car. For many states, auto ins is required and essential in order to have a car and register it. Having car ins protects all other drivers whenever there is a collision. Until you realise that you have been in a car accident and of a sudden are paying 1000s of $, you do not realise that having auto ins is really a blessing.

Getting discount car insurance used to be a real effort. You needed to call each ins company and undergo the boring procedure of specifying numerous details about yourself to employee working there. By the time you have a few quotes things will start to get unclear and you will forget who gave you that more affordable quote. Get Free Car Insurance quotes immediately, and select from the auto insurance quotes that you prefer. Verify how the discount coverage you want is provided at lower rates than found practically anywhere else in the country. Discount car ins that offers basic protection often looks like a dream that is perfect.

Get Cheap Car Ins quotes right away, and choose from the car insurance quotes that you like. Verify how the cheap coverage you need is provided at lower rates than found practically anywhere else in the USA. Cheap auto insurance that offers great protection regularly appears like an offer too good to be true.

If you go looking around for an automobile insurance policy you’re searching for two entities: best coverage policy and best deal. That does not mean dollars is the only thing you should be interested in though! You want to make positive you have got a car ins firm that’s going to support you before you start handing over hundreds of dollars every month in premiums. You have got challenges, and you must to know where to find solutions.

Net has provided us a new and terrific fashion to discover just about anything we need to get cheap auto insurance. Purchasing auto ins policy on-line is convenient for you also as you will get car ins rates from well known agents, compare the rates and extract the one that appeals you in the best manner. You want not go out of your home or office and you acquire the car cover in considerably less time.

You are going to get the best cheap free auto ins quotes now by visiting at least of about 3 automobile insurance quote sites. Requesting quotes from at least of about three quotes sites increase the chances that you would save money. This is since anything not covered by one insurance agent would be covered by the other.

There are actually many secrets to save some money on vehicle insurance without changing your current auto ins policy at all. There are numerous well known rules of the road that we tend to disregard and by ignoring them we can dramatically increase our car ins rates. There are a few suggestions to assist you lower your vehicle ins rates.

You ought to compare car insurance if you first purchase insurance, but it is likewise important to examine auto insurance regularly and if you believe that anything having to do with your driving has changed. Inspect auto ins premiums is if you have just paid your vehicle off. If you no longer have a loan on your automobile you will drop your ins comprehensive amount and pay lower amounts for your car insurance and be fully covered.

Free Auto ins quotes can tell to you which are low-cost ins options for yourself as an auto owner. These days, you can find free quotes from most car insurance firms without the need to fork out a single cent.

Get Free Auto Ins quotes now, and select from the car ins rates that you prefer. See how the cheap coverage you need is provided at more affordable rates than found almost anywhere in the USA. Affordable car ins that offers protection regularly seems as an offer that is perfect.

Finding The Right Car Insurance

Sunday, January 17th, 2010

It’s not impossible for even those in South Africa to find the right car insurance if you understand your cover options and the techniques needed to save on car insurance premiums.

Third Party Fire and Theft adds to the minimum by including cover for damage caused by theft, attempted theft and fire. Comprehensive Cover includes all of this and pays to cover damage to your own vehicle in an accident that is your fault.You can choose from three basic types of car insurance cover: Third Party, Third Party Fire and Theft and Comprehensive. Third Party is the minimum cover and pays for damage to other people’s property caused by an accident that is your fault.

The most recommended car insurance for South Africans is comprehensive cover, it happens to be the most expensive but it also completely covers their risks. Now that you have been advised on what type of coverage you need, let’s take a look at how to get that coverage at the best price. The following is ten things you can do to reduce your premiums. Every suggestion listed may not work for you, but you will be sure to find something that will help you.

If you are in the market for new insurance, the first thing you need to decide is what you want in your policy. You have decide what are you looking for the policy to cover. How much of deductible do you want, and how many cars are you going to cover. And if you own money on one or all of them, make sure that you have complete coverage. The best thing to do is do some research and then compare companies. That way you can make sure you make the best decision you can for what the cost is and for what you want.

Each policy comes with an minimum excess amount. This is the amount you will be responsible to pay in the event you file a claim. If you can afford it, raise your excess amounts to save money in the long run. Just be sure you can pay the excess when you file a claim.

There are benefits to being a safe driver and having a good driving record. If you are safe driver and go a year without claims many insurance companies offer discounts on your premium. If your insurance company does not offer this you might want to look for one that does.

Whenever you are looking at insurance companies always consider the different prices. Higher performance and expensive cars always are a higher cost due to their risk profile and expensive parts. When you are shopping for a car, include the insurance premium in your budget.

If you live in a high crime area, your premiums will reflect that due to the increased risk of your car being stolen or hijacked. Consider moving, not only for better premiums, but for your own personal safety.

Keeping your vehicle off the street at night reduces the risk that it will be stolen or damaged, therefore reducing your premium.You could get a discount if you park your car in a locked garage or behind locked gates overnight.

Most insurance companies will have minimum security requirements for the vehicles it insures. You can add security devices such as gearlocks or global tracking devices that exceed the minimum requirements and receive a discount.

The number of people that are allowed to drive your car will effect your premiums. So when shopping for insurance, it is best to keep the people on the policy as low as possible. The reasoning for this is that the less people that drive the car will make it a lower risk for accidents or things happening.

Don’t be afraid to negotiate. Many insurance companies are flexible about their premiums and will be willing to work with you in order to earn your business.

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica’s leading car insurance portal.