Insurance fraud puts an extra Â£50 on the price of every annual car insurance premium. In other words, criminals and conmen are picking YOUR pocket.
Police forces have the power to seize vehicles that do not have the necessary insurance in place, until the owner of the vehicle pays the fine and sign a new insurance policy. Driving without the necessary insurance for that vehicle is an offence that will be prosecuted by the police and will receive penalty ranging from 841 to 3,287 euro. Same provision is applied when the vehicle is standing on public road.
From the 15th October 2015 we will not be in a position to renew motor or home policies for our existing customers once their current policy expires. We will write to all policyholders before their current policy expires outlining what this change means. We are pleased to advise you that we have made arrangements with Hughes Insurance, a Liberty Group company, to offer quotes, subject to underwriting criteria, to our existing Liberty Insurance customers. Hughes Insurance is an award winning Northern Ireland Insurance Broker. For more information on Hughes Insurance please visit or call 028 9124 3943.
Typically, for car insurance these include that you have never had a conviction and that your car has no modifications. Always read any small print so that you’re clear on what assumptions have been made, and ring your insurer to discuss if there’s an issue. The less you drive, the cheaper your insurance may be. Where possible, try to reduce your mileage. This may sound trite, but actually the real key is incorporating the extra insurance cost when you make long journeys, not just the cost of petrol compared to taking the bus or train (see the Cheap Trains guide). A windscreen replacement is subject to the applicable excess, but there is no excess to pay on a windscreen repair.
If a vehicle is declared a total loss and the vehicle’s market value is less than the amount that is still owed to the bank that is financing the vehicle, GAP insurance may cover the difference. Not all auto insurance policies include GAP insurance. GAP insurance is often offered by the finance company at time the vehicle is purchased. To get you the best car insurance quotes for you we compare your car insurance details with our panel top UK car insurance companies.
With a proven passion for classic cars, you can be confident that by arranging your insurance throughÂ Footman James, your classic car, whether it is a Volkswagen Beetle, MG MGB or a Morris Minor,Â will be covered. You’re free to drive when and where you like; there are no mileage restrictions, other than your declared annual mileage and no timeÂ constraints.
Seopa reviewed 230,987 quote requests on Quotezone’s car insurance comparison service between October and December 2013. They took the cheapest from the median (halfway point) quote returned to each customer to produce a ârepresentative’ saving. 50% + achieved a representative saving of Â£442.74 or more. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
This cover provides up to Â£30,000 for you or your passengers in the event of death, loss of limbs, sight or hearing following an accident in your car or while getting into or out of it. Our personal accident cover is provided by Ultimate Insurance Company Limited. Our uninsured driver promise will cover you if you’re hit by an uninsured driver and you’re found not to be at fault. We’ll cover your excess and your no claim discount won’t be affected (subject to eligibility). Limited is an appointed representative of Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190).
Whether you’re looking for comprehensive insurance, third party fire and theft, or third party only, and whether it’s for one car or multiple vehicles, our service makes it easy to find the product that you want, with the latest information from independent financial research and software company Defaqto available to ensure you know exactly what you’re getting from your purchase.
Comprehensive is the widest level of cover available. If you have an accident and it was your fault you can claim the cost of repairing your car and any other damage you may cause to a third party. The cover also includes accidental damage, vandalism and usually windscreen repair. The most basic level of cover, this type of policy will pay out if you damage another person’s vehicle or property but will not cover any repairs you need to make to your own vehicle. Zurich. Get a courtesy car following an accident on standard policies, if you use one of its approved repairers.
Discount only available on new policies underwritten by Tesco Underwriting Limited. Discount does not apply to add-ons or Box Insurance. Minimum premium applies. This was triggered by a European Court of Justice ruling on a challenge by a Belgian consumer group. Its case was that the exemption for insurers contradicted the principle of gender equality. We offer you the option to upgrade to Guaranteed Hire Car which includes the use of a hire car for up to 14 days.
Your level of cover.Â The level of cover you choose will affect the price you pay – third party is usually the cheapest, while comprehensive is often the most expensive, though this isn’t always the case. Please make sure you tell us straight away about any changes to your vehicle or circumstances, otherwise you may invalidate your insurance. Please call our customer services on 0844 871 2336. A. Simply call the accidentÂ helpline on 0845 601 6687 or +44 2380 621983 if call from abroad,Â it is open 24 hours, 365 days a year. Friendly staff will do all they can to help you avoid any further stress or worry.
So either pay in full, or if you can’t afford it, use a credit card with a lower APR rate (or better still, a 0% credit card for spending , ensuring your repayments are big enough to clear it within a year). Age UK Enterprises Limited is the commercial arm of Age UK (registered charity number 1128267) and donates its net profits to Age UK. If you are claiming for damage to or theft of your car, we’ll also provide cover for up to Â£150 of personal belongings such as handbags or sunglasses. Legal expenses are covered if they arise as a result of compensation claims made as a result of a vehicle-related accident.
This usually applies to the main driver if they are aged 25 or over and you must have permission of the other car’s owner. Please see section 5 of your certificate of motor insurance to check this cover is stated. It may be worth contacting several companies to get the best quote for you. There is no general rule about whether insurance companies will protect or âhold over’ any no claims bonus that you may have earned. It may be worth asking each company what their policy is about no claims bonuses.