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Female car insurance

Cheap short term, temporary car motor insurance

noreply@blogger.com (Crazy mind) — Sat, 28 Aug 2010 11:08:00 +0000

Short term car insurance-

What is Short term car insurance:

Short term insurance, is a temporary insurance policy.

Who looks for Short term car insurance:

You may look for the temporary car insurance cover in following cases-

when you are on a holiday or you have an an additional vehicle
you buy a new car and still you are looking forward to the best deals for full car insurance
your old insurance policy has lapsed and the new one has not been renewed
you may want driver to driver your car
you yourself may want to drive another car
to drive courtsey car in case your car needs repairing
to deliver a car

Benefits of Short term car insurance:

The process takes less time as compared to your full car insurance cover
Additional car and new car can be placed in the same policy
One can thake the short term policy even if one has his/her long term policy
Many times, new short term policy is cheaper as compared to changing your long term policy to short term cover
No claim bonus- your short term insurance does not affect the No claim bonus of your long term insurance
Foreign- depending on your insurer, your have foreign travel cover also

Disadvantages of Short term car insurance:

The short term insurance cover is bit expensive as compared to the full long term insurance policy
Services are limited in the short term insurance cover.

Short term car insurance is indeed not a replacement or substitute to the long term full car insurance.

Few useful links:

No claim bonus
Cheap female car insurance
Stolen car insurance claim- few tips
How to cut the car insurance cost
10 tips to avoid the auto theft

Women's car insurance: Things you should consider

noreply@blogger.com (Crazy mind) — Sat, 28 Aug 2010 06:44:00 +0000

Looking for the special offers on cheap car insurance for women?

There are tailored cheap car insurance for women especially for you and including various services.

Definitely, you can avail the great deals and discounts on Women's car insurance.

While choosing the offer on Women's car insurance you may consider -

Handbag cover - You can get the motor insurance on personal belongings in the car unto certain limit (based on the offer) eg your handbag, mobile phone or other shopping.

Lower premiums – you might get an advantage in case of less expensive accidents (esp for female) in addition to your younger age bracket. You might directly go for lower premiums.

No claim discount – Massice offers upto even 75% are available if you are claim free and if you have taken women’s car insurance online.

Friendly repairers - In case your car needs repairing, you can look forward to the female friendly services related to garages and body shops.

Keys theft cover – In worst case your handbag is stolen and your car keys are inside the car, you might pay for locks to be replaced up to a maximum certian limit. (Also see stolen car insurance)

Child car seat cover – You might get the replacement for your child car seat in case of its loss, damage.

Priority assistance in an emergency - Women in a vulnerable situation, emergencies are treated as a priority with some insurers.

FREE courtesy car - When you are claiming and your car needs repairing, you might get FREE car till your car gets repaired.

Counselling after an accident - Depending on the insurer, there are various services 'after meeting an accident'

Mobile phone locater service - If you are involved in an accident in an unknown location, your insurer may use a mobile phone locator service to track your whereabouts.

Including your partner - You can also include your partner on your car insurance policy depending on the insurer's plan.

Always compare policy features along with the price structure to ensure you are getting the right women's car insurance policy to fit your needs.

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No-claims discounts: save your money

noreply@blogger.com (Crazy mind) — Thu, 13 May 2010 09:13:00 +0000

No Claim Bonus

Those who are looking for the budget car insurance can consider “no claims discount”, which significantly reduces the cost of you car insurance premiums.

The basics behind no-claims discounts:

Car insurance premiums are based on an assessment of risk which is why expensive for young drivers because of lack of proven record.

If you have never made a claim before or you have driven for few years without making a claim then a car insurance company can consider you as a safer driver and as such
will charge you less for cover. Also you are rewarded points for not making a claim through a no claims bonus which reduces your premiums.

Your discount is usually calculated as a percentage of your premium and can be built up year after year up to a certain limit - usually 65 - 70% depending on the insurance company.

The maximum number of years you can build a discount for will also vary, but will generally be set at five.

Tips to avoid making claims:

Sometimes you can afford paying for minor damages rather than making the claims and so are you marching towards “no claim discount”.

Related posts-

Female car insurance

Car insurance for young drivers, teenagers, under 25

noreply@blogger.com (Crazy mind) — Sat, 24 Apr 2010 07:39:00 +0000

Teenagers find it difficult to get the best cheap young driver car insurance deal with low premiums for some reasons.

So it’s better shopping around and comparing the young driver motor insurance quotes from different companies specialising in younger drivers. Get the best quotes online and compare them.

1. Why young drivers insurane rates are costly

According to statistics, young drivers are three times more likely to get involved into an accident than an old driver because they lack the driving experience and hence risk prone to the accidents. Also the young drivers have limited or no driving record to get the good driver discount. (see female car insurance advantages)

2. How can young drivers keep car insurance premiums low

Consider buying small car model with no modifications required. If the car is of older model you insurance rates can be reduced by more than 50%
Take pass plus test: Insurers may give you discount if you complete this driving course
Your no claim bonus will benefit you getting discounted future premiums

3. What types of car insurance are available for young drivers

Low premiums do not mean poor coverage.

There are many coverage types. Young drivers can start with the low premiums first and then go for modifications later.

Young driver should consider knowing the insurance policies available.

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noreply@blogger.com (Crazy mind) — Wed, 21 Apr 2010 05:21:00 +0000

Worst ever experience, your car is stolen! And then you start reading your insurance cover, which you probably have never done before. Further to my previous post regarding the claiming the stolen car insurance, here are few tips to avoid getting burned.

1. Theft protection devices are not enough: Don't think theft protection vehicle is enough to protect the auto theft. Expert experienced thieves can easily unlock your car.

2. Parking: Park your car in an area that is well-lit and near lots of people or in attended lots. People most of the times, park the car in area where no one can see the car they think, but they invite the thieves in a way.

3. Take your keys: Nearly 20% of all vehicles stolen have the keys in their cars. Or don't even keep your extra keys in your car.

Lock the car: Approximately 50% of all vehicles stolen were left unlocked. Lock it even if it's parked at your own parking.

4. You display and you pay: Keep valuables in your car hidden.

5. Use emergency brake: Emergency brake makes your car harder to tow.

6. Mechanical locking device: You can buy this to lock the steering wheel, or an auto theft alarm system will also do.

7. Disconnect either the battery from the distributor cap if you are planning not to use car for few days. Thieves might not be interested in diagnosing why the car does not start.

8. Don't leave car registration and insurance card your car: Your stolen car will be easier to sell for thieves. You can carry alongwith you instead of keeping them in your car.

9. Consider car models while going for new car: Few cars have higher incidences of car thefts.

10. Vehicle Identification number (VIN): Etch VIN on your car doors and major parts. Car becomes easier to trace.

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Stolen car insurance claim- few tips

noreply@blogger.com (Crazy mind) — Thu, 15 Apr 2010 17:49:00 +0000

As promised in my last blog post related to car accident insurance claim , I am back with some handy tips for your stolen car insurance.

Yes, so you realised finally, your car has been stolen and fortunately no insurance premiums are due. It’s time to take a call.

Consider the points below

You must inform the police immediately. Speedy actions are crucial, because car might be mishandled by thief. It can be driven far away from the city. And there will be further delay in theft insurance claim.
Inform your car insurance broker/company
Know your insurance policy. See if you are covered for a replacement rental car if your car is stolen Ask your car insurance company, how much time will be required to resolve your claim in this case.
Insurance company try to gain time few times to allow police to investigate further about stolen car recovery. Because you don’t need insurance in case your car is recovered back as it was.
Meanwhile if you find your vehicle let your insurance company and police know about the car details and the whereabouts.

What if the thief meets an accident while driving you stolen car

You are not responsible for it for obvious reasons.

What if your car payments are due

Car financing companies may expect the payments before your car insurance claim is resolved. In case of delay in your case, the overpayment of the car payments and the insurance premiums can be rebated with the interest.

What if your personal property in car is stolen or damaged

Again check your policy, under a comprehensive policy, you might get certain amount may be covered though not the full, may be around £150.

Why get into all this when probably you can minimise the chances of your auto theft...Coming up next.

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Involved in car accident...you have a car insurance...what do you need to do next!

noreply@blogger.com (Crazy mind) — Wed, 14 Apr 2010 12:51:00 +0000

Yes, the world seems to be revolving around when you get into an accident. Thankfully you are alive!

After my previous blog regarding the types of car insurance policy, you also need to know, how you can proceed in case you meet an accident.

Here are few tips you need to proceed with after meeting this accident when you have insured car.

1. Give your car insurance policy details alongwith your phone no, address to the person who requires it and your accident has caused the injury or damage to him.

2. If possible take a snapshot of the scene with your camera

3. If there is damage or injury, you need to call the police immediately and wait there till the police arrive.

4. You also need to report your insurance company/broker about the incident.

5. If you intend to claim, before the car is repaired, your broker/insurance company needs to examine it first to assess the actual damage.

It may be the case that, you car gets declared a 'total loss' or 'write-off' and your car replacement cost is much lower than the approved claimed value.

6. If you intend to bear the cost the damage of the third party's damage, your insurer should get agreed to pay.

7. By the time, you get the compensation, you might need to pay for other expenses like hiring car to your home, personal injury expenses etc.

That's it!

My next blog follows with the information on how to claim when your car is stolen

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How to minimise your premiums

Taking motor insurance? Know the policies available first

noreply@blogger.com (Crazy mind) — Tue, 13 Apr 2010 17:26:00 +0000

Car Insurance Policy Types

Before starting to look for the best available car insurance deal, you need to know
which type of car insurance policy will best suit your needs. There are three different types of car insurance.

Third Party Only
It's a very basic type of cover designed for those looking for budget car insurance only.
Before you drive car on a road, you have to have the car insurance. Third party insurance thus meets the law and lets you drive on the road with minimum cost involved.

As the name itself suggests, it covers the insurance cost of the third party met in the accident by you. This is not comprehensive insurance.

Third Party, Fire & Theft (TPFT)

Third party, fire and theft offers all the protection of third party only.
Another advantage of this type of vehicle, you also get insurance cover in case, car is stolen or is damaged in the fire/theft.

Fully Comprehensive

It gives the advantages of the both the insurance cover mentioned in above two policies.

Visit my previous blog to get the cheapest rates from competitive insurance companies.

Save 10% on your ford car insurance

noreply@blogger.com (Crazy mind) — Sun, 11 Apr 2010 08:00:00 +0000

Ford undoubtedly remains among the most popular car manufacturers in the UK, so are the very cheap Ford car insurance options.

You can find the best free car insurance quotes in the market. There are wide range of benefits with the car insurance.

You need not bother with call centres and automated phone lines when 100% online car insurance is available for you.

Best guaranteed cheapest car insurance deals are available in the market on the following leading websites:

www.yesinsurance.co.uk
www.lv.com
www.directline.co.uk
www.aviva.co.uk
www.theaa.com

Compare your online car insurance quotes
www.gocompare.com

moneysupermarket.com lets you to quickly search over 100 UK companies to find the cheapest Ford insurance quotes.

Finding only the best deal does not cut your car insurance cost, still you can keep costs to a minimum by considering some tips to lower your preimum, mentioned in my last blog here- how to cut car insurance cost

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