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Directory:How Car Insurance Companies Set Their Prices

2009-11-13T15:25:29Z

Jessica 283:

== Introduction ==

The price for car insurance is set out by the underwriting staff at each insurance company. This is why you get potentially different quotes for each company you contact. Underwriters have a vast amount of statistical information at their disposal, and this is what they use to determine the risk (cost) of insuring your particular make and model of car for you as an individual.

How much drivers pay for car insurance is determined by a number of factors which include:

* Who will drive the car
* The type of car you will be driving
* Where the car is kept
* What the car will be used for
* The type of cover you need

All of these factors are used to calculate your risk as a driver. Obviously can't change your age or gender, so you need to be smart and think about the factors you can influence. There are lots of things you can do to get cheap motor insurance[http://www.swiftcover.com/carinsurance/] for drivers, such as choosing a lower risk model of car. If you want cheaper car insurance, you need to be thinking about what you can do to make yourself and your car less risky for the underwriters.

'''Named drivers''' - Any drivers you add to your policy can affect the amount you pay. This is because other named drivers are assessed on their driving history, age and gender.

'''Age and Experience''' - The younger or less experienced a driver you are, the more likely it is that you will have an accident and make a claim on your insurance policy.

'''Driving Convictions''' - Insurance companies take into account driving convictions as statistics show people with convictions are more likely to claim.

'''Driving history''' - If you have had a number of fault accidents in the past, insurers have found that you are more likely to have other fault accidents in the future, as it is probably a result of your driving style.

'''Occupation''' - what you do for a living can affect your insurance premium, those who use the cars as part of their job especially as they spend more time on the roads.

'''Car Insurance Group''' - vehicles are assigned an insurance group rating between 1 and 20 by the Association of British Insurers (ABI). The group assigned to your car is a measure of how expensive your car is to repair, how powerful it is and how secure it is.

'''Car Value''' - If your car is worth a lot, it will cost more for insurance companies to replace it if it is stolen.

'''Car Security''' - If you're car is a high risk for thieves then you should take precautions and install alarms/immobilisers.

'''Mileage''' - The fewer miles you drive, the less likely you are to have an accident and your insurance premium will reflect your lower usage.

'''Car Age''' - Older cars often attract discounts for comprehensive insurance premiums as the value of the car is lower.

'''No Claims Bonus''' - the more no claims that you have, the safer you are as a driver so your insurance will go down.

Directory:How Car Insurance Companies Set Their Prices

2009-11-13T15:24:14Z

Jessica 283: New page: == Introduction == The price for car insurance is set out by the underwriting staff at each insurance company. This is why you get potentially different quotes for each company you contac...

== Introduction ==

The price for car insurance is set out by the underwriting staff at each insurance company. This is why you get potentially different quotes for each company you contact. Underwriters have a vast amount of statistical information at their disposal, and this is what they use to determine the risk (cost) of insuring your particular make and model of car for you as an individual.

How much drivers pay for car insurance is determined by a number of factors which include:

* Who will drive the car
* The type of car you will be driving
* Where the car is kept
* What the car will be used for
* The type of cover you need

All of these factors are used to calculate your risk as a driver. Obviously can't change your age or gender, so you need to be smart and think about the factors you can influence. There are lots of things you can do to get cheap car insurance for drivers, such as choosing a lower risk model of car. If you want cheaper car insurance, you need to be thinking about what you can do to make yourself and your car less risky for the underwriters.

'''Named drivers''' - Any drivers you add to your policy can affect the amount you pay. This is because other named drivers are assessed on their driving history, age and gender.

'''Age and Experience''' - The younger or less experienced a driver you are, the more likely it is that you will have an accident and make a claim on your insurance policy.

'''Driving Convictions''' - Insurance companies take into account driving convictions as statistics show people with convictions are more likely to claim.

'''Driving history''' - If you have had a number of fault accidents in the past, insurers have found that you are more likely to have other fault accidents in the future, as it is probably a result of your driving style.

'''Occupation''' - what you do for a living can affect your insurance premium, those who use the cars as part of their job especially as they spend more time on the roads.

'''Car Insurance Group''' - vehicles are assigned an insurance group rating between 1 and 20 by the Association of British Insurers (ABI). The group assigned to your car is a measure of how expensive your car is to repair, how powerful it is and how secure it is.

'''Car Value''' - If your car is worth a lot, it will cost more for insurance companies to replace it if it is stolen.

'''Car Security''' - If you're car is a high risk for thieves then you should take precautions and install alarms/immobilisers.

'''Mileage''' - The fewer miles you drive, the less likely you are to have an accident and your insurance premium will reflect your lower usage.

'''Car Age''' - Older cars often attract discounts for comprehensive insurance premiums as the value of the car is lower.

'''No Claims Bonus''' - the more no claims that you have, the safer you are as a driver so your insurance will go down.

Directory:Tips For Girl Drivers When Looking For Cheap Car Insurance

2009-11-13T14:18:49Z

Jessica 283:

Women often get cheaper car insurance premiums than men because statistically they are safer drivers on the roads, making them a much less risk to insure than men. Government figures show that over 92% of convictions for driving offences in the UK are for men. Men are also found responsible for 98% of all convictions for dangerous driving.

Here are some tips for female drivers when looking for a motor insurance[http://www.swiftcover.com/carinsurance/] quote:

1. Build up your no claims bonus, if you have claim free car insurance for over 4 years your discount could be as much as 65%
2. Restrict drivers on your policy to one other driver, ideally an older experienced male driver as this could reduce your premium. Avoid adding young drivers to your policy.
3. Buy a car with a smaller engine, they're cheaper to insure and cheaper to run.
4. Consider voluntary excess but don't go too high.
5. Work out your mileage. Women drivers tend to drive less than the average mileage that may be suggested. And if you do less than average you should pay less, because the less you drive, the less likely you are to be involved in an accident.
6. If you have access to a garage, use it. Let someone else park on the drive or road and get the savings for yourself (or better still, if there's a male driver in your household who needs the off road savings, negotiate the garage space for a night out!)
7. Fit an approved security device to protect your car against theft.
8. Shop around. Some brokers charge up to 30% commission, and there are valuable discounts to be found online. So take your time and get lots of quotes.
9. Take the Pass Plus course. You can get a 30% car insurance discount for finishing this.
10. Move to the country. Cars are more likely to get vandalised or stolen in large towns and cities.

Directory:Tips For Girl Drivers When Looking For Cheap Car Insurance

2009-11-13T14:18:35Z

Jessica 283:

== Introduction

Women often get cheaper car insurance premiums than men because statistically they are safer drivers on the roads, making them a much less risk to insure than men. Government figures show that over 92% of convictions for driving offences in the UK are for men. Men are also found responsible for 98% of all convictions for dangerous driving.

Here are some tips for female drivers when looking for a motor insurance[http://www.swiftcover.com/carinsurance/] quote:

1. Build up your no claims bonus, if you have claim free car insurance for over 4 years your discount could be as much as 65%
2. Restrict drivers on your policy to one other driver, ideally an older experienced male driver as this could reduce your premium. Avoid adding young drivers to your policy.
3. Buy a car with a smaller engine, they're cheaper to insure and cheaper to run.
4. Consider voluntary excess but don't go too high.
5. Work out your mileage. Women drivers tend to drive less than the average mileage that may be suggested. And if you do less than average you should pay less, because the less you drive, the less likely you are to be involved in an accident.
6. If you have access to a garage, use it. Let someone else park on the drive or road and get the savings for yourself (or better still, if there's a male driver in your household who needs the off road savings, negotiate the garage space for a night out!)
7. Fit an approved security device to protect your car against theft.
8. Shop around. Some brokers charge up to 30% commission, and there are valuable discounts to be found online. So take your time and get lots of quotes.
9. Take the Pass Plus course. You can get a 30% car insurance discount for finishing this.
10. Move to the country. Cars are more likely to get vandalised or stolen in large towns and cities.

Directory:Tips For Girl Drivers When Looking For Cheap Car Insurance

2009-11-13T14:17:37Z

Jessica 283: New page: == Introduction == Women often get cheaper car insurance premiums than men because statistically they are safer drivers on the roads, making them a much less risk to insure than men. Go...

== Introduction
==

Women often get cheaper car insurance premiums than men because statistically they are safer drivers on the roads, making them a much less risk to insure than men. Government figures show that over 92% of convictions for driving offences in the UK are for men. Men are also found responsible for 98% of all convictions for dangerous driving.

Here are some tips for female drivers when looking for a car insurance quote:

1. Build up your no claims bonus, if you have claim free car insurance for over 4 years your discount could be as much as 65%
2. Restrict drivers on your policy to one other driver, ideally an older experienced male driver as this could reduce your premium. Avoid adding young drivers to your policy.
3. Buy a car with a smaller engine, they're cheaper to insure and cheaper to run.
4. Consider voluntary excess but don't go too high.
5. Work out your mileage. Women drivers tend to drive less than the average mileage that may be suggested. And if you do less than average you should pay less, because the less you drive, the less likely you are to be involved in an accident.
6. If you have access to a garage, use it. Let someone else park on the drive or road and get the savings for yourself (or better still, if there's a male driver in your household who needs the off road savings, negotiate the garage space for a night out!)
7. Fit an approved security device to protect your car against theft.
8. Shop around. Some brokers charge up to 30% commission, and there are valuable discounts to be found online. So take your time and get lots of quotes.
9. Take the Pass Plus course. You can get a 30% car insurance discount for finishing this.
10. Move to the country. Cars are more likely to get vandalised or stolen in large towns and cities.

Directory:Why Car Insurance For Older Drivers Costs Less

2009-11-13T11:28:36Z

Jessica 283:

== Why Insurance Costs Less for Older Drivers ==

Drivers aged over 50 are considered a lower risk by car insurance companies not simply because of their age, but because of their experience and their driving history.

Figures and research have shown that older drivers are less likely to be involved in an accident than younger drivers, and when they are, they tend to be less serious and the value of claims are much lower, which is why car insurance companies consider them to be a lower risk.

There tends to be less opportunity for a claim also senior drivers tend to drive more slowly, carefully and for shorter distances, giving them less opportunity to be involved in a major accident. But it is not just age that causes insurance premiums to decline.

== Driving History ==

Not all mature drivers will get cheaper car insurance. Your driving history is taken into account and if your premium will be affected if you have made claims in the past. Your age can also impact on your claims history. As we get older, our reactions get slower and for many people eyesight can start to deteriorate. Ability to respond to dangers on the road reduces.

Statistics show that drivers aged over 70 are 13% more likely to make a claim on their car insurance than drivers aged in their 40s or 50s. Because of this, motor insurance[http://www.swiftcover.com/carinsurance/] premiums will increase for over 70s and some companies will not insure drivers aged over 80.

Heavy traffic and our ever changing network of roads can become a confusing environment for elderly and OAP drivers. Senior drivers should take extra care to avoid small accidents and protect their valuable no claims bonus.

== How Car Insurance is Calculated ==

The amount older drivers pay for car insurance is determined by a number of factors which include:

* Who will drive the car
* The type of car you will be driving
* Where the car is kept
* What the car will be used for
* The type of cover you need

All of these factors are used to calculate your risk as an over 50 driver.

Directory:Why Car Insurance For Older Drivers Costs Less

2009-11-13T11:25:51Z

Jessica 283: New page: == Why Insurance Costs Less for Older Drivers == Drivers aged over 50 are considered a lower risk by car insurance companies not simply because of their age, but because of their experi...

Directory:Things All Young Drivers Should Not Do When Getting Car Insurance

2009-11-13T10:54:50Z

Jessica 283:

== Introduction ==

When you're buying car insurance as a first time driver or young driver car insurance, the insurance rate is going to be expensive. It may seem unfair that older drivers pay less for insurance but statistics show that younger drivers are more likely to have an accident.

But here are some of the things new drivers should not do in order to avoid paying higher car insurance rates:

== Become a Named Driver on Your Parent's Car Insurance ==

Many young drivers will insure their cars in their parents' names to avoid paying high insurance premiums in their first years of driving. This may save you money at first but in the long run your likely to pay more because you would not have qualified for a no claims discount. As a named driver you propose that you are not the main driver of the vehicle which means you are not clocking up valuable driving experience, which is the reason for offering a bonus. Cheaper motor insurance [http://www.swiftcover.com/carinsurance/]in the long run will help if you have a no claims bonus.

Insuring yourself as a named driver on your parents insurance is actually called 'fronting.' In a worst case scenario the insurance company may not believe that you are using the car just occasionally and if you were to make a claim it could be invalid. So you may spend a little more up front, but if it's your car, and you are the main driver, insure it in your name. In the long run this is the best route to cheaper car insurance for younger drivers.

== Choosing a high performance car ==

Many young drivers - and especially young males - want their first car to a be a high performance one. Faster and more powerful cars tend to be placed in higher insurance groups. Higher engine size and a higher spec means a higher premium. Choose a car that is suitable for an inexperienced driver. High performance cars are generally not suitable for younger drivers and certainly not teenage drivers. Cheap car insurance and other running costs such as petrol, parts and servicing, will also be comparatively high.

== Modifications ==

When giving a quote insurance companies will ask if any modifications have been made to your car. If you have modifications, you are likely to pay more for your insurance. This is because the modifications made will make your car more likely to be stolen, broken in to, or increase your chance of being involved in an accident.

Generally, car insurance companies don't like modifications. If the engine size has been increased, the car goes faster and it's going to increase your risk of being involved in an accident, so it will certainly increase your premium.

If you are thinking about modifying your car, check with an insurance company first, but the best advice for young drivers looking for cheap car insurance is to go for a car without any modifications.

Directory:Things All Young Drivers Should Not Do When Getting Car Insurance

2009-11-13T10:54:04Z

Jessica 283:

== Introduction ==

When you're buying car insurance as a first time driver or young driver car insurance, the insurance rate is going to be expensive. It may seem unfair that older drivers pay less for insurance but statistics show that younger drivers are more likely to have an accident.

But here are some of the things new drivers should not do in order to avoid paying higher car insurance rates:

== Become a Named Driver on Your Parent's Car Insurance ==

Many young drivers will insure their cars in their parents' names to avoid paying high insurance premiums in their first years of driving. This may save you money at first but in the long run your likely to pay more because you would not have qualified for a no claims discount. As a named driver you propose that you are not the main driver of the vehicle which means you are not clocking up valuable driving experience, which is the reason for offering a bonus. Cheaper [http://www.swiftcover.com/carinsurance/][motor insurance] in the long run will help if you have a no claims bonus.

Insuring yourself as a named driver on your parents insurance is actually called 'fronting.' In a worst case scenario the insurance company may not believe that you are using the car just occasionally and if you were to make a claim it could be invalid. So you may spend a little more up front, but if it's your car, and you are the main driver, insure it in your name. In the long run this is the best route to cheaper car insurance for younger drivers.

== Choosing a high performance car ==

Many young drivers - and especially young males - want their first car to a be a high performance one. Faster and more powerful cars tend to be placed in higher insurance groups. Higher engine size and a higher spec means a higher premium. Choose a car that is suitable for an inexperienced driver. High performance cars are generally not suitable for younger drivers and certainly not teenage drivers. Cheap car insurance and other running costs such as petrol, parts and servicing, will also be comparatively high.

== Modifications ==

When giving a quote insurance companies will ask if any modifications have been made to your car. If you have modifications, you are likely to pay more for your insurance. This is because the modifications made will make your car more likely to be stolen, broken in to, or increase your chance of being involved in an accident.

Generally, car insurance companies don't like modifications. If the engine size has been increased, the car goes faster and it's going to increase your risk of being involved in an accident, so it will certainly increase your premium.

If you are thinking about modifying your car, check with an insurance company first, but the best advice for young drivers looking for cheap car insurance is to go for a car without any modifications.

Directory:Things All Young Drivers Should Not Do When Getting Car Insurance

2009-11-13T10:53:07Z

Jessica 283:

== Introduction ==

When you're buying car insurance as a first time driver or young driver car insurance, the insurance rate is going to be expensive. It may seem unfair that older drivers pay less for insurance but statistics show that younger drivers are more likely to have an accident.

But here are some of the things new drivers should not do in order to avoid paying higher car insurance rates:

== Become a Named Driver on Your Parent's Car Insurance ==

Many young drivers will insure their cars in their parents' names to avoid paying high insurance premiums in their first years of driving. This may save you money at first but in the long run your likely to pay more because you would not have qualified for a no claims discount. As a named driver you propose that you are not the main driver of the vehicle which means you are not clocking up valuable driving experience, which is the reason for offering a bonus. Cheaper insurance in the long run will help if you have a no claims bonus.

Insuring yourself as a named driver on your parents insurance is actually called 'fronting.' In a worst case scenario the insurance company may not believe that you are using the car just occasionally and if you were to make a claim it could be invalid. So you may spend a little more up front, but if it's your car, and you are the main driver, insure it in your name. In the long run this is the best route to cheaper car insurance for younger drivers.

== Choosing a high performance car ==

Many young drivers - and especially young males - want their first car to a be a high performance one. Faster and more powerful cars tend to be placed in higher insurance groups. Higher engine size and a higher spec means a higher premium. Choose a car that is suitable for an inexperienced driver. High performance cars are generally not suitable for younger drivers and certainly not teenage drivers. Cheap car insurance and other running costs such as petrol, parts and servicing, will also be comparatively high.

== Modifications ==

When giving a quote insurance companies will ask if any modifications have been made to your car. If you have modifications, you are likely to pay more for your insurance. This is because the modifications made will make your car more likely to be stolen, broken in to, or increase your chance of being involved in an accident.

Generally, car insurance companies don't like modifications. If the engine size has been increased, the car goes faster and it's going to increase your risk of being involved in an accident, so it will certainly increase your premium.

If you are thinking about modifying your car, check with an insurance company first, but the best advice for young drivers looking for cheap car insurance is to go for a car without any modifications.

Directory:Things All Young Drivers Should Not Do When Getting Car Insurance

2009-11-13T10:51:27Z

Jessica 283:

== Introduction ==

When you're buying car insurance as a first time driver or young driver car insurance, the insurance rate is going to be expensive. It may seem unfair that older drivers pay less for insurance but statistics show that younger drivers are more likely to have an accident.

But here are some of the things new drivers should not do in order to avoid paying higher car insurance rates:

== Become a Named Driver on Your Parent's Car Insurance ==

Many young drivers will insure their cars in their parents' names to avoid paying high insurance premiums in their first years of driving. This may save you money at first but in the long run your likely to pay more because you would not have qualified for a no claims discount. As a named driver you propose that you are not the main driver of the vehicle which means you are not clocking up valuable driving experience, which is the reason for offering a bonus. Cheaper insurance in the long run will help if you have a no claims bonus.

Insuring yourself as a named driver on your parents insurance is actually called 'fronting.' In a worst case scenario the insurance company may not believe that you are using the car just occasionally and if you were to make a claim it could be invalid. So you may spend a little more up front, but if it's your car, and you are the main driver, insure it in your name. In the long run this is the best route to cheaper car insurance for younger drivers.

== Choosing a high performance car ==

Many young drivers - and especially young males - want their first car to a be a high performance one. Faster and more powerful cars tend to be placed in higher insurance groups. Higher engine size and a higher spec means a higher premium. Choose a car that is suitable for an inexperienced driver. High performance cars are generally not suitable for younger drivers and certainly not teenage drivers. Cheap car insurance and other running costs such as petrol, parts and servicing, will also be comparatively high.

Modifications - When giving a quote insurance companies will ask if any modifications have been made to your car. If you have modifications, you are likely to pay more for your insurance. This is because the modifications made will make your car more likely to be stolen, broken in to, or increase your chance of being involved in an accident.

Generally, car insurance companies don't like modifications. If the engine size has been increased, the car goes faster and it's going to increase your risk of being involved in an accident, so it will certainly increase your premium.

If you are thinking about modifying your car, check with an insurance company first, but the best advice for young drivers looking for cheap car insurance is to go for a car without any modifications.

Directory:Things All Young Drivers Should Not Do When Getting Car Insurance

2009-11-13T10:39:32Z

Jessica 283: New page: Introduction When you're buying car insurance as a first time driver or young driver car insurance, the insurance rate is going to be expensive. It may seem unfair that older drivers pay ...

Introduction

When you're buying car insurance as a first time driver or young driver car insurance, the insurance rate is going to be expensive. It may seem unfair that older drivers pay less for insurance but statistics show that younger drivers are more likely to have an accident.

But here are some of the things new drivers should not do in order to avoid paying higher car insurance rates:

Become a Named Driver on Your Parent's Car Insurance

Many young drivers will insure their cars in their parents' names to avoid paying high insurance premiums in their first years of driving. This may save you money at first but in the long run your likely to pay more because you would not have qualified for a no claims discount. As a named driver you propose that you are not the main driver of the vehicle which means you are not clocking up valuable driving experience, which is the reason for offering a bonus. Cheaper insurance in the long run will help if you have a no claims bonus.

Insuring yourself as a named driver on your parents insurance is actually called 'fronting.' In a worst case scenario the insurance company may not believe that you are using the car just occasionally and if you were to make a claim it could be invalid. So you may spend a little more up front, but if it's your car, and you are the main driver, insure it in your name. In the long run this is the best route to cheaper car insurance for younger drivers.

Directory:A Guide To Buying Car Insurance

2009-11-13T10:13:28Z

Jessica 283:

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Introduction

There are over 100 insurance companies across the UK that potentially have different cover and different prices. Information can vary from insurer to insurer and this is a guide to help you understand the world of car insurance.

It is the law to have car insurance cover - it protects you and other drivers on the roads. Insurance companies work out the chances and costs associated with any risk that they cover. These calculations give a 'premium' for each individual customer based on the likelihood that they will make a claim. If the claims happen, the insurance company pays out the amount of money they agreed to pay when they issued the insurance policy.

Make sure you read your car insurance policy carefully to check that it provides the cover you need and note any significant exclusion. Ensure that the policy is right for you and that you understand what is and is not covered. If you make a claim that is not covered or is excluded by your insurance, your insurer won't be able to pay your claim or refund your premiums.

'''Driving Other Cars'''

Many policies cover the policyholder while driving a car which belongs to someone else. However, cover will be limited to third party only, even if you have a comprehensive policy for your own car. Accidental damage to the borrowed car will not be covered by your insurance. Make sure that you have the car owner's permission to drive the vehicle and that the owner has arranged comprehensive insurance (e.g. by adding you as a driver under their policy) if they wish to do so. (If they do this, then claims involving their car, while you are driving, will be met by their policy.)

'''Types of Cover'''

There are four types of motor insurance[http://www.swiftcover.com/carinsurance/]

* Third Party Only (TPO)
* Third Party Fire & Theft (TPF&T)
* Comprehensive (Fully Comp)
* Fire & Theft Only

Third Party - Third Party insurance is the minimum legal cover allowed so can be quite cheap in comparison to other cover types. It covers damage to the other person's car or compensation but, if your own car is stolen, burnt out or damaged, it is not covered. It also covers injuries suffered by the occupants of the other car involved as well as your own passengers but not your own injuries. Third Party can be beefed up using add-on insurance such as Fire and Theft.

In the UK, TPO has become more unpopular amongst drivers and so many insurers no longer offer it. Occasionally some insurers do limit cover to TPO on a policy that is due to renew.

Third Party, Fire & Theft (TPFT) - On older, cheaper cars, many customers still want protection if the car is stolen or burnt but feel it is unnecessary to insure the car for accidental dents and scrapes. TPFT offers the same cover as a Third Party Only policy but it will also pay out in the event that your vehicle is stolen or set on fire and will cover personal injuries to yourself.

Fully Comprehensive - Fully Comprehensive is the most expensive and covers everything damage to your car, personal injury costs and any third party's vehicle and property.

Fire and Theft Only - This cover is only given when a car is laid up and not in use. Normally therefore, it is actually only offered to existing clients for a short period. Given there is no third party cover, you are not insured to drive the car on public roads and the insurance company will normally ask for any insurance certificate previously issued to be returned to them.

'''Pricing'''

Your age, sex, occupation and driving history all affect the price you are quoted and the same goes for any drivers you decide to add to your policy. For instance, young or inexperienced drivers are much more likely to make a claim so they will be charged a lot more.

The younger or inexperienced the driver is the more likely they will have an accident and make a claim. Very young drivers, people with risky occupations, and those living in high crime areas, may be better off going to a specialist broker.

Your accident history plays a factor in the pricing of your insurance policy. If you have a number of fault claims or have claimed for other things such as fire or theft then this could impact on your cover.

Driving convictions also plays a part on the cost of cover. The number of convictions a person may have and how likely they are to make a claim, and insurers will normally ask you about any convictions you have received in the last 5 years.

What you do for a living can make you a higher risk.

All cars in the UK are put into insurance groups. The insurance group is a measure of how expensive your car is to repair, how powerful it is and how secure it is and insurers take this into account when giving you a quote. The value of your car will make a difference to your premium. If your car is worth £50,000 rather than £5,000, it will cost your insurance company ten times as much to replace your vehicle in the event that it is stolen or written off. If your car is high risk for theft your car insurance company may request that you have additional security fitted.

Directory:A Guide To Buying Car Insurance

2009-11-13T10:12:44Z

Jessica 283:

{{QuickAdd
| Address =
| City =
| State =
| Zip =
| Country =
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| Web =
| Contact =
| Title =
}}
=== Share this page ===
<sharethis />'''
Introduction'''

There are over 100 insurance companies across the UK that potentially have different cover and different prices. Information can vary from insurer to insurer and this is a guide to help you understand the world of car insurance.

It is the law to have car insurance cover - it protects you and other drivers on the roads. Insurance companies work out the chances and costs associated with any risk that they cover. These calculations give a 'premium' for each individual customer based on the likelihood that they will make a claim. If the claims happen, the insurance company pays out the amount of money they agreed to pay when they issued the insurance policy.

Make sure you read your car insurance policy carefully to check that it provides the cover you need and note any significant exclusion. Ensure that the policy is right for you and that you understand what is and is not covered. If you make a claim that is not covered or is excluded by your insurance, your insurer won't be able to pay your claim or refund your premiums.

'''Driving Other Cars'''

Many policies cover the policyholder while driving a car which belongs to someone else. However, cover will be limited to third party only, even if you have a comprehensive policy for your own car. Accidental damage to the borrowed car will not be covered by your insurance. Make sure that you have the car owner's permission to drive the vehicle and that the owner has arranged comprehensive insurance (e.g. by adding you as a driver under their policy) if they wish to do so. (If they do this, then claims involving their car, while you are driving, will be met by their policy.)

'''Types of Cover'''

There are four types of motor insurance[http://www.swiftcover.com/carinsurance]

* Third Party Only (TPO)
* Third Party Fire & Theft (TPF&T)
* Comprehensive (Fully Comp)
* Fire & Theft Only

Third Party - Third Party insurance is the minimum legal cover allowed so can be quite cheap in comparison to other cover types. It covers damage to the other person's car or compensation but, if your own car is stolen, burnt out or damaged, it is not covered. It also covers injuries suffered by the occupants of the other car involved as well as your own passengers but not your own injuries. Third Party can be beefed up using add-on insurance such as Fire and Theft.

In the UK, TPO has become more unpopular amongst drivers and so many insurers no longer offer it. Occasionally some insurers do limit cover to TPO on a policy that is due to renew.

Third Party, Fire & Theft (TPFT) - On older, cheaper cars, many customers still want protection if the car is stolen or burnt but feel it is unnecessary to insure the car for accidental dents and scrapes. TPFT offers the same cover as a Third Party Only policy but it will also pay out in the event that your vehicle is stolen or set on fire and will cover personal injuries to yourself.

Fully Comprehensive - Fully Comprehensive is the most expensive and covers everything damage to your car, personal injury costs and any third party's vehicle and property.

Fire and Theft Only - This cover is only given when a car is laid up and not in use. Normally therefore, it is actually only offered to existing clients for a short period. Given there is no third party cover, you are not insured to drive the car on public roads and the insurance company will normally ask for any insurance certificate previously issued to be returned to them.

'''Pricing'''

Your age, sex, occupation and driving history all affect the price you are quoted and the same goes for any drivers you decide to add to your policy. For instance, young or inexperienced drivers are much more likely to make a claim so they will be charged a lot more.

The younger or inexperienced the driver is the more likely they will have an accident and make a claim. Very young drivers, people with risky occupations, and those living in high crime areas, may be better off going to a specialist broker.

Your accident history plays a factor in the pricing of your insurance policy. If you have a number of fault claims or have claimed for other things such as fire or theft then this could impact on your cover.

Driving convictions also plays a part on the cost of cover. The number of convictions a person may have and how likely they are to make a claim, and insurers will normally ask you about any convictions you have received in the last 5 years.

What you do for a living can make you a higher risk.

All cars in the UK are put into insurance groups. The insurance group is a measure of how expensive your car is to repair, how powerful it is and how secure it is and insurers take this into account when giving you a quote. The value of your car will make a difference to your premium. If your car is worth £50,000 rather than £5,000, it will cost your insurance company ten times as much to replace your vehicle in the event that it is stolen or written off. If your car is high risk for theft your car insurance company may request that you have additional security fitted.

Directory:A Guide To Buying Car Insurance

2009-11-13T10:08:19Z

Jessica 283:

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<sharethis />'''
Introduction'''

There are over 100 insurance companies across the UK that potentially have different cover and different prices. Information can vary from insurer to insurer and this is a guide to help you understand the world of car insurance.

It is the law to have car insurance cover - it protects you and other drivers on the roads. Insurance companies work out the chances and costs associated with any risk that they cover. These calculations give a 'premium' for each individual customer based on the likelihood that they will make a claim. If the claims happen, the insurance company pays out the amount of money they agreed to pay when they issued the insurance policy.

Make sure you read your car insurance policy carefully to check that it provides the cover you need and note any significant exclusion. Ensure that the policy is right for you and that you understand what is and is not covered. If you make a claim that is not covered or is excluded by your insurance, your insurer won't be able to pay your claim or refund your premiums.

'''Driving Other Cars'''

Many policies cover the policyholder while driving a car which belongs to someone else. However, cover will be limited to third party only, even if you have a comprehensive policy for your own car. Accidental damage to the borrowed car will not be covered by your insurance. Make sure that you have the car owner's permission to drive the vehicle and that the owner has arranged comprehensive insurance (e.g. by adding you as a driver under their policy) if they wish to do so. (If they do this, then claims involving their car, while you are driving, will be met by their policy.)

'''Types of Cover'''

There are four types of [http://www.swiftcover.com/carinsurance/] [motor insurance] policies, namely:

* Third Party Only (TPO)
* Third Party Fire & Theft (TPF&T)
* Comprehensive (Fully Comp)
* Fire & Theft Only

Third Party - Third Party insurance is the minimum legal cover allowed so can be quite cheap in comparison to other cover types. It covers damage to the other person's car or compensation but, if your own car is stolen, burnt out or damaged, it is not covered. It also covers injuries suffered by the occupants of the other car involved as well as your own passengers but not your own injuries. Third Party can be beefed up using add-on insurance such as Fire and Theft.

In the UK, TPO has become more unpopular amongst drivers and so many insurers no longer offer it. Occasionally some insurers do limit cover to TPO on a policy that is due to renew.

Third Party, Fire & Theft (TPFT) - On older, cheaper cars, many customers still want protection if the car is stolen or burnt but feel it is unnecessary to insure the car for accidental dents and scrapes. TPFT offers the same cover as a Third Party Only policy but it will also pay out in the event that your vehicle is stolen or set on fire and will cover personal injuries to yourself.

Fully Comprehensive - Fully Comprehensive is the most expensive and covers everything damage to your car, personal injury costs and any third party's vehicle and property.

Fire and Theft Only - This cover is only given when a car is laid up and not in use. Normally therefore, it is actually only offered to existing clients for a short period. Given there is no third party cover, you are not insured to drive the car on public roads and the insurance company will normally ask for any insurance certificate previously issued to be returned to them.

'''Pricing'''

Your age, sex, occupation and driving history all affect the price you are quoted and the same goes for any drivers you decide to add to your policy. For instance, young or inexperienced drivers are much more likely to make a claim so they will be charged a lot more.

The younger or inexperienced the driver is the more likely they will have an accident and make a claim. Very young drivers, people with risky occupations, and those living in high crime areas, may be better off going to a specialist broker.

Your accident history plays a factor in the pricing of your insurance policy. If you have a number of fault claims or have claimed for other things such as fire or theft then this could impact on your cover.

Driving convictions also plays a part on the cost of cover. The number of convictions a person may have and how likely they are to make a claim, and insurers will normally ask you about any convictions you have received in the last 5 years.

What you do for a living can make you a higher risk.

All cars in the UK are put into insurance groups. The insurance group is a measure of how expensive your car is to repair, how powerful it is and how secure it is and insurers take this into account when giving you a quote. The value of your car will make a difference to your premium. If your car is worth £50,000 rather than £5,000, it will cost your insurance company ten times as much to replace your vehicle in the event that it is stolen or written off. If your car is high risk for theft your car insurance company may request that you have additional security fitted.

Directory:A Guide To Buying Car Insurance

2009-11-13T10:07:25Z

Jessica 283:

{{QuickAdd
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}}
=== Share this page ===
<sharethis />'''
Introduction'''

There are over 100 insurance companies across the UK that potentially have different cover and different prices. Information can vary from insurer to insurer and this is a guide to help you understand the world of car insurance.

It is the law to have car insurance cover - it protects you and other drivers on the roads. Insurance companies work out the chances and costs associated with any risk that they cover. These calculations give a 'premium' for each individual customer based on the likelihood that they will make a claim. If the claims happen, the insurance company pays out the amount of money they agreed to pay when they issued the insurance policy.

Make sure you read your car insurance policy carefully to check that it provides the cover you need and note any significant exclusion. Ensure that the policy is right for you and that you understand what is and is not covered. If you make a claim that is not covered or is excluded by your insurance, your insurer won't be able to pay your claim or refund your premiums.

'''Driving Other Cars'''

Many policies cover the policyholder while driving a car which belongs to someone else. However, cover will be limited to third party only, even if you have a comprehensive policy for your own car. Accidental damage to the borrowed car will not be covered by your insurance. Make sure that you have the car owner's permission to drive the vehicle and that the owner has arranged comprehensive insurance (e.g. by adding you as a driver under their policy) if they wish to do so. (If they do this, then claims involving their car, while you are driving, will be met by their policy.)

'''Types of Cover'''

There are four types of http://www.swiftcover.com/carinsurance/ [motor insurance] policies, namely:

* Third Party Only (TPO)
* Third Party Fire & Theft (TPF&T)
* Comprehensive (Fully Comp)
* Fire & Theft Only

Third Party - Third Party insurance is the minimum legal cover allowed so can be quite cheap in comparison to other cover types. It covers damage to the other person's car or compensation but, if your own car is stolen, burnt out or damaged, it is not covered. It also covers injuries suffered by the occupants of the other car involved as well as your own passengers but not your own injuries. Third Party can be beefed up using add-on insurance such as Fire and Theft.

In the UK, TPO has become more unpopular amongst drivers and so many insurers no longer offer it. Occasionally some insurers do limit cover to TPO on a policy that is due to renew.

Third Party, Fire & Theft (TPFT) - On older, cheaper cars, many customers still want protection if the car is stolen or burnt but feel it is unnecessary to insure the car for accidental dents and scrapes. TPFT offers the same cover as a Third Party Only policy but it will also pay out in the event that your vehicle is stolen or set on fire and will cover personal injuries to yourself.

Fully Comprehensive - Fully Comprehensive is the most expensive and covers everything damage to your car, personal injury costs and any third party's vehicle and property.

Fire and Theft Only - This cover is only given when a car is laid up and not in use. Normally therefore, it is actually only offered to existing clients for a short period. Given there is no third party cover, you are not insured to drive the car on public roads and the insurance company will normally ask for any insurance certificate previously issued to be returned to them.

'''Pricing'''

Your age, sex, occupation and driving history all affect the price you are quoted and the same goes for any drivers you decide to add to your policy. For instance, young or inexperienced drivers are much more likely to make a claim so they will be charged a lot more.

The younger or inexperienced the driver is the more likely they will have an accident and make a claim. Very young drivers, people with risky occupations, and those living in high crime areas, may be better off going to a specialist broker.

Your accident history plays a factor in the pricing of your insurance policy. If you have a number of fault claims or have claimed for other things such as fire or theft then this could impact on your cover.

Driving convictions also plays a part on the cost of cover. The number of convictions a person may have and how likely they are to make a claim, and insurers will normally ask you about any convictions you have received in the last 5 years.

What you do for a living can make you a higher risk.

All cars in the UK are put into insurance groups. The insurance group is a measure of how expensive your car is to repair, how powerful it is and how secure it is and insurers take this into account when giving you a quote. The value of your car will make a difference to your premium. If your car is worth £50,000 rather than £5,000, it will cost your insurance company ten times as much to replace your vehicle in the event that it is stolen or written off. If your car is high risk for theft your car insurance company may request that you have additional security fitted.

Directory:A Guide To Buying Car Insurance

2009-11-13T10:06:29Z

Jessica 283: /* Share this page */

{{QuickAdd
| Address =
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=== Share this page ===
<sharethis />'''
Introduction'''

There are over 100 insurance companies across the UK that potentially have different cover and different prices. Information can vary from insurer to insurer and this is a guide to help you understand the world of car insurance.

It is the law to have car insurance cover - it protects you and other drivers on the roads. Insurance companies work out the chances and costs associated with any risk that they cover. These calculations give a 'premium' for each individual customer based on the likelihood that they will make a claim. If the claims happen, the insurance company pays out the amount of money they agreed to pay when they issued the insurance policy.

Make sure you read your car insurance policy carefully to check that it provides the cover you need and note any significant exclusion. Ensure that the policy is right for you and that you understand what is and is not covered. If you make a claim that is not covered or is excluded by your insurance, your insurer won't be able to pay your claim or refund your premiums.

'''Driving Other Cars'''

Many policies cover the policyholder while driving a car which belongs to someone else. However, cover will be limited to third party only, even if you have a comprehensive policy for your own car. Accidental damage to the borrowed car will not be covered by your insurance. Make sure that you have the car owner's permission to drive the vehicle and that the owner has arranged comprehensive insurance (e.g. by adding you as a driver under their policy) if they wish to do so. (If they do this, then claims involving their car, while you are driving, will be met by their policy.)

'''Types of Cover''' [http://www.example.com link title]

There are four types of [http://www.swiftcover.com/carinsurance/} motor insurance policies, namely:

* Third Party Only (TPO)
* Third Party Fire & Theft (TPF&T)
* Comprehensive (Fully Comp)
* Fire & Theft Only

Third Party - Third Party insurance is the minimum legal cover allowed so can be quite cheap in comparison to other cover types. It covers damage to the other person's car or compensation but, if your own car is stolen, burnt out or damaged, it is not covered. It also covers injuries suffered by the occupants of the other car involved as well as your own passengers but not your own injuries. Third Party can be beefed up using add-on insurance such as Fire and Theft.

In the UK, TPO has become more unpopular amongst drivers and so many insurers no longer offer it. Occasionally some insurers do limit cover to TPO on a policy that is due to renew.

Third Party, Fire & Theft (TPFT) - On older, cheaper cars, many customers still want protection if the car is stolen or burnt but feel it is unnecessary to insure the car for accidental dents and scrapes. TPFT offers the same cover as a Third Party Only policy but it will also pay out in the event that your vehicle is stolen or set on fire and will cover personal injuries to yourself.

Fully Comprehensive - Fully Comprehensive is the most expensive and covers everything damage to your car, personal injury costs and any third party's vehicle and property.

Fire and Theft Only - This cover is only given when a car is laid up and not in use. Normally therefore, it is actually only offered to existing clients for a short period. Given there is no third party cover, you are not insured to drive the car on public roads and the insurance company will normally ask for any insurance certificate previously issued to be returned to them.

'''Pricing'''

Your age, sex, occupation and driving history all affect the price you are quoted and the same goes for any drivers you decide to add to your policy. For instance, young or inexperienced drivers are much more likely to make a claim so they will be charged a lot more.

The younger or inexperienced the driver is the more likely they will have an accident and make a claim. Very young drivers, people with risky occupations, and those living in high crime areas, may be better off going to a specialist broker.

Your accident history plays a factor in the pricing of your insurance policy. If you have a number of fault claims or have claimed for other things such as fire or theft then this could impact on your cover.

Driving convictions also plays a part on the cost of cover. The number of convictions a person may have and how likely they are to make a claim, and insurers will normally ask you about any convictions you have received in the last 5 years.

What you do for a living can make you a higher risk.

All cars in the UK are put into insurance groups. The insurance group is a measure of how expensive your car is to repair, how powerful it is and how secure it is and insurers take this into account when giving you a quote. The value of your car will make a difference to your premium. If your car is worth £50,000 rather than £5,000, it will cost your insurance company ten times as much to replace your vehicle in the event that it is stolen or written off. If your car is high risk for theft your car insurance company may request that you have additional security fitted.

Directory:A Guide To Buying Car Insurance

2009-11-13T10:05:32Z

Jessica 283: /* Share this page */

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=== Share this page ===
<sharethis />'''
Introduction'''

There are over 100 insurance companies across the UK that potentially have different cover and different prices. Information can vary from insurer to insurer and this is a guide to help you understand the world of car insurance.

It is the law to have car insurance cover - it protects you and other drivers on the roads. Insurance companies work out the chances and costs associated with any risk that they cover. These calculations give a 'premium' for each individual customer based on the likelihood that they will make a claim. If the claims happen, the insurance company pays out the amount of money they agreed to pay when they issued the insurance policy.

Make sure you read your car insurance policy carefully to check that it provides the cover you need and note any significant exclusion. Ensure that the policy is right for you and that you understand what is and is not covered. If you make a claim that is not covered or is excluded by your insurance, your insurer won't be able to pay your claim or refund your premiums.

'''Driving Other Cars'''

Many policies cover the policyholder while driving a car which belongs to someone else. However, cover will be limited to third party only, even if you have a comprehensive policy for your own car. Accidental damage to the borrowed car will not be covered by your insurance. Make sure that you have the car owner's permission to drive the vehicle and that the owner has arranged comprehensive insurance (e.g. by adding you as a driver under their policy) if they wish to do so. (If they do this, then claims involving their car, while you are driving, will be met by their policy.)

'''Types of Cover'''

There are four types of [http://www.swiftcover.com/carinsurance/ motor insurance} policies, namely:

* Third Party Only (TPO)
* Third Party Fire & Theft (TPF&T)
* Comprehensive (Fully Comp)
* Fire & Theft Only

Third Party - Third Party insurance is the minimum legal cover allowed so can be quite cheap in comparison to other cover types. It covers damage to the other person's car or compensation but, if your own car is stolen, burnt out or damaged, it is not covered. It also covers injuries suffered by the occupants of the other car involved as well as your own passengers but not your own injuries. Third Party can be beefed up using add-on insurance such as Fire and Theft.

In the UK, TPO has become more unpopular amongst drivers and so many insurers no longer offer it. Occasionally some insurers do limit cover to TPO on a policy that is due to renew.

Third Party, Fire & Theft (TPFT) - On older, cheaper cars, many customers still want protection if the car is stolen or burnt but feel it is unnecessary to insure the car for accidental dents and scrapes. TPFT offers the same cover as a Third Party Only policy but it will also pay out in the event that your vehicle is stolen or set on fire and will cover personal injuries to yourself.

Fully Comprehensive - Fully Comprehensive is the most expensive and covers everything damage to your car, personal injury costs and any third party's vehicle and property.

Fire and Theft Only - This cover is only given when a car is laid up and not in use. Normally therefore, it is actually only offered to existing clients for a short period. Given there is no third party cover, you are not insured to drive the car on public roads and the insurance company will normally ask for any insurance certificate previously issued to be returned to them.

'''Pricing'''

Your age, sex, occupation and driving history all affect the price you are quoted and the same goes for any drivers you decide to add to your policy. For instance, young or inexperienced drivers are much more likely to make a claim so they will be charged a lot more.

The younger or inexperienced the driver is the more likely they will have an accident and make a claim. Very young drivers, people with risky occupations, and those living in high crime areas, may be better off going to a specialist broker.

Your accident history plays a factor in the pricing of your insurance policy. If you have a number of fault claims or have claimed for other things such as fire or theft then this could impact on your cover.

Driving convictions also plays a part on the cost of cover. The number of convictions a person may have and how likely they are to make a claim, and insurers will normally ask you about any convictions you have received in the last 5 years.

What you do for a living can make you a higher risk.

All cars in the UK are put into insurance groups. The insurance group is a measure of how expensive your car is to repair, how powerful it is and how secure it is and insurers take this into account when giving you a quote. The value of your car will make a difference to your premium. If your car is worth £50,000 rather than £5,000, it will cost your insurance company ten times as much to replace your vehicle in the event that it is stolen or written off. If your car is high risk for theft your car insurance company may request that you have additional security fitted.

Directory:A Guide To Buying Car Insurance

2009-11-13T10:03:44Z

Jessica 283: /* Share this page */

{{QuickAdd
| Address =
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=== Share this page ===
<sharethis />'''
Introduction'''

There are over 100 insurance companies across the UK that potentially have different cover and different prices. Information can vary from insurer to insurer and this is a guide to help you understand the world of car insurance.

It is the law to have car insurance cover - it protects you and other drivers on the roads. Insurance companies work out the chances and costs associated with any risk that they cover. These calculations give a 'premium' for each individual customer based on the likelihood that they will make a claim. If the claims happen, the insurance company pays out the amount of money they agreed to pay when they issued the insurance policy.
'''
Reading Your Car Insurance Policy'''

Make sure you read your car insurance policy carefully to check that it provides the cover you need and note any significant exclusion. Ensure that the policy is right for you and that you understand what is and is not covered. If you make a claim that is not covered or is excluded by your insurance, your insurer won't be able to pay your claim or refund your premiums.

'''Driving Other Cars'''

Many policies cover the policyholder while driving a car which belongs to someone else. However, cover will be limited to third party only, even if you have a comprehensive policy for your own car. Accidental damage to the borrowed car will not be covered by your insurance. Make sure that you have the car owner's permission to drive the vehicle and that the owner has arranged comprehensive insurance (e.g. by adding you as a driver under their policy) if they wish to do so. (If they do this, then claims involving their car, while you are driving, will be met by their policy.)

'''Types of Cover'''

There are four types of motor insurance policies, namely:

* Third Party Only (TPO)
* Third Party Fire & Theft (TPF&T)
* Comprehensive (Fully Comp)
* Fire & Theft Only

Third Party - Third Party insurance is the minimum legal cover allowed so can be quite cheap in comparison to other cover types. It covers damage to the other person's car or compensation but, if your own car is stolen, burnt out or damaged, it is not covered. It also covers injuries suffered by the occupants of the other car involved as well as your own passengers but not your own injuries. Third Party can be beefed up using add-on insurance such as Fire and Theft.

In the UK, TPO has become more unpopular amongst drivers and so many insurers no longer offer it. Occasionally some insurers do limit cover to TPO on a policy that is due to renew.

Third Party, Fire & Theft (TPFT) - On older, cheaper cars, many customers still want protection if the car is stolen or burnt but feel it is unnecessary to insure the car for accidental dents and scrapes. TPFT offers the same cover as a Third Party Only policy but it will also pay out in the event that your vehicle is stolen or set on fire and will cover personal injuries to yourself.

Fully Comprehensive - Fully Comprehensive is the most expensive and covers everything damage to your car, personal injury costs and any third party's vehicle and property.

Fire and Theft Only - This cover is only given when a car is laid up and not in use. Normally therefore, it is actually only offered to existing clients for a short period. Given there is no third party cover, you are not insured to drive the car on public roads and the insurance company will normally ask for any insurance certificate previously issued to be returned to them.

'''Pricing'''

Your age, sex, occupation and driving history all affect the price you are quoted and the same goes for any drivers you decide to add to your policy. For instance, young or inexperienced drivers are much more likely to make a claim so they will be charged a lot more.

The younger or inexperienced the driver is the more likely they will have an accident and make a claim. Very young drivers, people with risky occupations, and those living in high crime areas, may be better off going to a specialist broker.

Your accident history plays a factor in the pricing of your insurance policy. If you have a number of fault claims or have claimed for other things such as fire or theft then this could impact on your cover.

Driving convictions also plays a part on the cost of cover. The number of convictions a person may have and how likely they are to make a claim, and insurers will normally ask you about any convictions you have received in the last 5 years.

What you do for a living can make you a higher risk.

All cars in the UK are put into insurance groups. The insurance group is a measure of how expensive your car is to repair, how powerful it is and how secure it is and insurers take this into account when giving you a quote. The value of your car will make a difference to your premium. If your car is worth £50,000 rather than £5,000, it will cost your insurance company ten times as much to replace your vehicle in the event that it is stolen or written off. If your car is high risk for theft your car insurance company may request that you have additional security fitted.

Directory:A Guide To Buying Car Insurance

2009-11-13T09:09:36Z

Jessica 283: New page: {{QuickAdd | Address = | City = | State = | Zip = | Country = | Phone = | Email = | Web = | Contact = | Title = }} === Share this page === <sharethis />

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