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Car Insurance and Cheap Car Insurance

BMW classic car insurance

BMW classic car insurance

Our BMW classic car insurance originally designed exclusively for BMW club members is now available to owners. Save pounds on tailored bespoke BMW classic car cover for all BMW models




Our BMW classic car insurance includes:
Agreed value cover – many insurers will only pay out the 'market value' of your classic car if you suffer a total loss. We can assess your car and agree cover for its true value, so you won't get a nasty surprise if you need to make a claim.

Laid up policies – so your classic projects are fully protected from theft or mishap.

Limited Mileage classic car insurance discounts – the fewer miles you drive, the more you can save, from as little as 1,500 miles. Because classic cars tend not to be driven every day, most schemes incorporate a limited mileage element. Unlike many of our competitors, however, we can also offer classic car insurance for people who use their classic car more frequently.

Track Day / Rally cover – can be arranged on application, depending on the policy taken.

BMW Owner's Club Discounts – If you belong to a recognised BMW classic car owners club or enthusiasts' forum, you will receive a discount of up to 15%, depending on the policy taken.
Modified BMW Classic Car Insurance – Almost all modifications to your beamer can be covered on a like for like basis.


Car Insurance and Cheap Car Insurance

Car Insurance Vauxhall Corsa

Car Insurance for Vauxhall Corsa

The Vauxhall Car Insurance Scheme comparison system is particularly suited to finding cheap car insurance for the Vauxhall corsa. If you have just purchased a Vauxhall Corsa look no further for Insurance.



With the range of Corsa models varying for Insurance purposes from groups 2 through to group 11, the bulk buying power of other Corsa owners in the scheme will ensure that even if you have a top of the range Corsa SRi, you'll benefit from cheaper vauxhall car insurance premiums.

Get a Car Insurance Vauxhall Corsa Quote

Ford Classic Car Insurance

Our unique system compares over twenty five Ford specialist car insurance schemes designed for Ford owners to collectively make savings on their car insurance.
If you own a Ford don't miss out on our Ford Classic Car Insurance Schemes, we cover everything from Cortinas, Corsairs, Anglias, Escorts, Granadas, Capris, Model T fords if you have one - you could save hundreds of pounds today

We offer exceptional car insurance cover for modified Fords of all descriptions, whether with a large audio and stereo extension to alloy wheels.



Ford Classic Car Insurance and Cheap Ford Car Insurance

Car Insurance accidents will cost you even if not your fault

Car Insurance - No Fault No Blame Accidents Can Cost You Dearly

At some time during your driving life you are statistically likely to be involved in an accident, whether you are to blame for the incident or not. It doesn't matter how good a driver you consider yourself to be you may still fall victim to others misjudgments and driving errors.

Typical examples of these types of accidents which are assumed no fault to the driver on the end of it are; rear end shunts, being hit at a traffic crossing by a car that's jumped the lights, stationary vehicles being hit by passing drivers, hit and run scenarios, uninsured drivers failing to report a car accident or if you are really unlucky you may fall victim to one of the many organised criminal gangs that stage accidents to defraud car insurance companies.

If you are involved in an accident whether it is you fault or not, it is a condition of your car insurance policy that you do not admit liability of any kind, at the scene of the accident. This can be particularly frustrating if you are the victim, because even though the other driver may be obviously at fault, they are not allowed to admit it.

When making a claim to your car insurance company ensure that you detail all events at the incident of the accident including a sketch or photographs of the scene and the damage. If the police attended be sure to include the incident number. It will be the responsibility of the car insurance company to communicate with the other parties insurers and lawyers if necessary. Whilst this process is continuing you will be deemed to have had an accident and a claim against the policy. The details of the accident will be passed to the Car Insurance Claims Database which is updated daily and all car accidents are submitted to it by car insurers. The problems that arise are that even if an accident is obviously not your fault, if the other side contests this, the case may drag on for a year or two and unless your policy provides otherwise, you will have to foot the bill of any extraneous costs run up during this time, such as the provision of an alternative hire car.

If there is any doubt over fault, then the Insurance companies may decide that the case is a 'knock for knock' which means that each party covers their own costs and expenses. Both policies will be deemed to be a fault and no claims bonuses adjusted. If the parties are disagreed about what happened the case will proceed to court and it will be up to you, your insurance company and any expert witnesses they may employ such as motor engineers and claims assessors, to prove or establish who was at fault. . The circumstances of a car accident may show both drivers were partially at fault. In a court of law, fault is allocated to each driver based on prescribed accident scenarios. It will be up to a District Judge to determine fault according to the rules of negligence law and the Highway Code.

If your car insurance policy falls due for renewal during this period of determination of fault then it could cost you dear. Your policy record will be flagged as having had a claim and consequently, unless you can convince your Car Insurance Company otherwise, you will be charged additional premium, unless you have bought protected no claims bonus.

This can be as much as a sixty percent increase in the previous year's premium if you had a good driving history with no claims in the previous three to five years, depending upon which car insurance company you are covered with. You will also be responsible for the cost of any uninsured losses, which are not covered by your car insurance policy.

Car Insurance and Cheap Car Insurance

Car Insurance - Lending Your Car Could Invalidate Your Cover

How many times have you said to the wife, children or a friend 'take my car' and not thought any more of it? Even if it's just a short trip down the road to the shops, you and the person you lend your car to, may be breaking the law! Furthermore if the person you lend the car to, in turn lends the car to another, you will be held liable for any damages caused by the other party, whether you were aware of their use or not.

If you own a car and decide to lend it to another person, it is your responsibility to check that the person you lend it to have adequate car insurance and that their cover extends to driving other vehicles. If you fail to make reasonable checks to verify these details you could be liable for subsequent damage that the person you lent it to causes, and indeed, you may find yourself on the end of a police prosecution for allowing an uninsured driver to use a motor vehicle contrary of section 143 of the Road Traffic Act. It is also you responsibility to ensure that the person you lend it to does not permit others to drive it.

In the United Kingdom, this principle was first established in UK law back in 1934 in the case of Monk v Warbey and Others. Mr Warbey owned a car which was insured to permit driving by himself and other members of his family. He lent it to his friend Mr Knowles who in turn lent it to a Mr May to drive. At some time during use of the car Mr May was involved in an accident for which he was deemed responsible, with a car driven by Mr Monk. Neither May nor Mr Knowles had insurance for third party risks and neither had the means or funds to satisfy the judgement in court against them. It was held that Mr Warbey had originally committed a breach of duty of sub section 1 of section 143 of the Road Traffic Act, by parting with the control of the car to a person who was not insured, and he was therefore held liable for all damages and costs.

It was found in court that Mr Warbey had been informed prior to parting with the Vehicle that neither Mr Knowles nor Mr May had adequate car insurance covering third party risks and had taken no steps to remedy this. Counsel for Warbey argued that the car accident involving May was too far removed from Warbey's breach of the statute to make Warbey liable for damages to the third party. The Judge disagreed and Warbey was found liable, and the principle enacted by this case remains in UK law to the current day. Up until this point in time the Act did not extend liability to users of cars to third parties, beyond the requirements of common law, but the decision in this particular case imposes upon the owner of a car, whether they have car insurance or not, an additional duty to injured third parties and enables any third party to recover damages from the car owner who permits his car to be used in such a way, knowingly or not.

The only exception to this rule is in the case of employees using a car owned by their employer, where the person driving the car had reasonable grounds to believe that insurance was in force when the used the car.

It would therefore be very prudent if you checked the levels of cover of your own car insurance policy before agreeing to the use of your vehicle by another, and indeed certify that they are covered by either your own or their current car insurance. Failure to do so could land you in the courts!

Car Insurance and Cheap Car Insurance

Cheap Land Rover and Range Rover Insurance

To take advantage of favourable rates for Land Rover and Range rover owners join the specialist Land Rover Insurance Scheme.




Car Insurance and Cheap Car Insurance

Car Insurance Renewal Advice: Shop Around

Before you renew your car insurance you should shop around for Cheap Car Insurance as rates are constantly changing and there are different deals to be had every day

Renewing Your Car Insurance Policy
By [http://ezinearticles.com/?expert=Dave_Healey]Dave Healey

With the exception of the fairly new practice of issuing pay as you go car insurance policies, when you purchase car insurance you are entering into, and bound by the conditions of, a fixed term contract with the car insurance company. In the vast majority of cases this fixed term is for exactly one year since the date of the policy's inception or beginning.

As you near the end of the period of cover, your insurance company will invite or tender you to renew the contract. These days the systems employed by large car insurance companies will trigger the renewal procedure which initially means the production and posting of a set of renewal documents to the policyholder. This is usually timed so that the invite to renew pack is produced automatically around fifteen days prior to the termination of the existing car insurance contract, giving the prospective renewal policyholder time to correspond with the car insurance company and inform them of any changes that may have occurred during the term of the contract which are not reflected in the renewal documents.

If you intend to renew with the same insurance company you are legally bound to inform this company of any alterations to the statement of fact that you originally made when you first took out the policy.
Likewise you may wish to add or remove elements of cover from the current status of the car insurance policy, as your requirements may well have changed over the previous year.

Because of the compulsory nature of third party car insurance, no 'days of grace' are allowed after the renewal date of the policy. This can cause problems for car insurance companies as for practical purposes renewal documents and certificates have to be produced and dispatched to the prospective renewal policyholder in advance, which will become operative from the first day of the new period of insurance.

The renewal certificate, required by law to tax a motor vehicle, in theory cannot be issued until the renewal premium is paid. If payment was received subsequent to the expiry date of the existing car insurance policy, then the certificate would have to be re-written with the operative time and date matched to the time of payment. This could cause a major problem for the car insurance companies, as to issue an unaltered certificate would be equivalent to ante-dating it, which is a criminal offence, whilst re-writing the renewal documents would result in additional costs and expenditure to the car insurer, and more importantly would leave gaps in cover for the policyholder, which would leave a driver exposed to risks and legal action for driving without car insurance.

In order to overcome these practical difficulties of renewals, car insurers have developed a practice of incorporating into the renewal documents a certificate of insurance that is valid for an extended period of seven to fifteen days. This benefits both the prospective renewal and the insurance company by extending the period during which the insured has time to pay the renewal premium, yet still receive a certificate dated from the first day of the new contract period.

Car Insurers are particularly sensitive to what is known as the 'renewal retention ratio' , the number of renewals expressed as a percentage of the previous years total policies issued, especially since the introduction of online car insurance underwriting which has enabled a prospective renewal to shop around much easier and perhaps to change supplier.

The issue of this temporary certificate of cover in effect and contract law, constitutes an offer by the car insurance company, which the insured must either accept expressly, by paying the renewal premium, or by implication by doing nothing and having the premium taken from the payment source of the previous year's policy.

If however the prospective renewal obtains car insurance cover elsewhere or by some action, such as a telephone call, implies that he does not intend to renew and thereby not accept the offer, then this temporary cover would be deemed invalid. If a policyholder does not for some reason receive the renewal quote and certificate, or was unaware of the wording of the renewal notice, he cannot accept an offer and is therefore entitled to a full refund if the money has been debited from his account.

With the vast amount of choice available online for car insurance today, ranging from specialist car insurance schemes targeted at a particular group to the aggregator comparison websites, huge savings can be made by a policyholder at renewal if they are prepared to shop around for equivalent cover. It may not be in the best interests of a policyholder to blindly accept an offer to renew a car insurance contract without recourse to other offerings in the market which may be more suitable for their particular circumstances. Car Insurance rates vary immensely and it is not unheard of for companies to match or better a renewal offer from a competitor if you pick up the phone and give them a ring.

Dave Healey is a specialist car insurance underwiter who has been underwriting [http://www.car-insurance.tv]Car Insurance polices at Lloyds for over thirty years

Article Source: http://EzineArticles.com/?expert=Dave_Healey http://EzineArticles.com/?Renewing-Your-Car-Insurance-Policy&id=2092516

Car Insurance and Cheap Car Insurance

Cheaper Car Insurance if you change your lifestyle

Car Insurers are becoming more savvy, particularly those people who work in the claims department who get to see how car insurance claims arise, and the factors that cause accidents.
Historically it has been difficult to drill down into the claims data and make any statistical sense of accident data, however with the introduction of centralised data and claims databases which can be shared by all car insurers, patterns are beginning to emerge that will inevitably be included in the underwriting side of car insurance, and therefore reflected more in the calculation of quotes and premiums than has been in the past.

In assessing a risk for car insurance, traditionally lifestyle of the applicant has always been assessed using scores applied to the results of various questions asked on a car insurance proposal form, whether online or not. If you look at the question in question you will see that the basis of underwriting a car insurance policy is very broad and not tailiored to the individual risk. You will be assessed on your age, where you live and the type of car you drive. That not very fair is it if you happen to be a good young driver who lives in a high risk area and drives a car rated as being high risk. The premium you pay will be determined by the combined risk assessment of everybody in that set. You will pay the price for others people 'bad driving' in your 'group'. Not very fair is it when the bandings of these groups are so broad, there is little chance of you being fairly charged for your lifestyle.

So it was good to see a recent article published by one of the leading UK car insurance experts who points out that in certain specialist car insurance sectors, individual rating of policies is becoming more important. This is particularly true in the area of UK classic car insurance where lifestyle factors such as when, where and how you use the classic car, are becoming more incorporated into the pricing of Car Insurance

Here's the original article

Classic Car Insurance - Change Your Lifestyle and Save Money
By Dave Healey

Change your lifestyle and you will be eligible to apply for all sorts of non standard specialist car insurance that is tailored to a particular genre or lifestyle group or club. The lifestyle factor is more predominant in the calculation and issuing of policies for classic cars than in any other form of specialist motor underwriting.

Classic car insurance policies are now based primarily upon usage limits and consequently tend to reflect the fact that classic cars are used differently than a normal everyday car, although the types of use social, domestic, pleasure, business and commuting, or for hire and racing, will still apply. Many a beloved classic motor will stay under wraps in the garage for many a month and is only brought out and paraded for special occasions and events.

The range, length and risk of these events will undoubtedly determine the level of price for a specialist classic car policy. Such events can be as innocuous as local classic car club meetings at predetermined destinations, fun runs, treasure hunts, vintage runs, air shows and displays, national classic rallies, film shoots, motor shows, trade shows or as extreme and heavy premium carrying as classic car racing or hill climbing.

Most specialist motor underwriters therefore appreciate that you may need a more tailored and flexible type of car insurance for a classic car, one that allows you to fit the policy around what is effectively your lifestyle risk. Your risk levels are calculated upon the way you use the classic car and the number of miles distance you cover in that car each year. These so called rating factors are adapted to play a much larger role in the calculation of a classic car insurance premium than the traditional factors that weigh heavily in standard car insurance premium calculation, such as Age or Gender.

Price has tended in the past not to be a large driver in the classic car insurance market, where quality of cover for cherished vehicles has always been seen as the primary marketing message. Underwriters have appreciated that the classic car is quite often considered as a 'baby' within the family unit and may in the past have taken advantage of the irrationality when considering price. However the introduction of many classic car insurance comparison websites on the Internet means that premium levels can no longer be ignored and that customers now rightly demand service and cover for their specialist car insurance lifestyle vagaries, at the right price.

It is now possible to obtain tailored online cover for even the most obscure car marque and the introduction of online underwriting has introduced a welcome level of competition into what had become a stagnant market. Group and affinity market buying power has also helped stimulate growth and push premium prices down through bulk buying power schemes. Whatever aspirations you may hold as a classic car owner it appears that with technology you are more increasingly likely to be judged financially by your lifestyle than its trappings that you must insure.

Dave Healey is a specialist motor underwiter who has been underwriting Classic Car Insurance polices at Lloyds for over thirty years

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Classic-Car-Insurance---Change-Your-Lifestyle-and-Save-Money&id=2036361

At car insurance blog we agree with most of Dave's thoughts on the future of car insurance in the UK. If you've got anything to add feel free to make a contribution below. We'' be publishimng more of Dave's articles as we try to change the way that car insurance is underwritten in the UK,




Car Insurance and Cheap Car Insurance

Think Green and Save Money on Car Insurance

If you work in the UK Car insurance industry you could not have failed to notice the number of emails and memos that are floating aroung in the wake of President Obama's inaugural speech and subsequent mumblings about how Americans need to engage and embrace the 'green revolution'.
The mention of the dreaded 'Carbon Tax' has sent shivers around the corridors of the UK Car Insurance companies, as they figure out how to incorporate this into the premium rating and all the changes they are going to have to make to their car insurance policy documents and wordings!
Although Car Insurance underwriters are not yet jumping from the windows of the City of London's ivory towers they are well aware that WHEN the UK government decides to act upon the matter of carbon, with cars being deemed as the biggest polluter and a general election looming, any element of charging for Carbon emmissions is likely to be incorporated into the car insurance premium amount, rather than added to the price of petrol or car tax, which are the only other two methods available for guaranteed collection of revenue.
One could argue that it would be more equitable to levy the charge on the price of petrol as you would then pay as you consume. The arguments against this though are strong. The VAT model of indirect taxation is a failure and penalises those it was meant to protect. With fluctuating prices at the pumps it would make revenue estimation extremely difficult to accurately predict.
Furthermore insurance premium tax currently levied against all car insurance polices when you buy one, is only five precent and could absorb the one percent increase without too many people complaining.

We argue that none of these methods are particularly equitable as they do not charge the people or organisations that are polluting. To take an already overburdened in premium, set of people or a risk pool of people with car insurance and increase the price that those people pay for cover, by a percentage of what the base cover is, for a charge for they see no material value, is neither equitable or practical, until the UK public is charged the base rate for car insurance on a lifestyle individual basis.

We often get asked the old chestnut 'How do I save money on my car insurance?'

The simple answer is 'Think Green' and change your lifestyle to benefit from cheaper car insurance

In the near future your car insurance may cost you a whole lot more if you ignore the green issues.

Dave Healey 2009 - resident car insurance expert
Car Insurance and Cheap Car Insurance

Specialist Car Insurance

Specialist Car Insurance

There's a very good post over at Squidoo regarding Specialist car insurance.

It shows that those in the know generally find it cheaper to purchase, and obtain superior cover and post sales support if they purchase car insurance from a specialist car insurance broker or company such as Car-Insurance.tv.



Specialist Car Insurance from You Tube

Our Aston Martin Classic Car Insurance offers unbeatable value and exceptional cover for all Aston Martins old and new. Visit http://www.car-insurance.tv/classicca... to compare quotes from over twenty different Aston Martin classic car insurance schemes. Guaranteed values and massive club discounts available.
Category: Cars & Vehicles
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Aston Martin Classic Car Insurance

Classic Car insurance

The Classic Car insurance scheme comparison system is the most advanced of its type operating in the UK.

The Classic Car insurance schemes offered at Car-Insurance.tv by Insuretec Ltd and Lancaster Insurance, are tailored to your particular motoring needs, and you also benefit from the power of affinity group buying with the cheapest car insurance premiums available.



The Cheapest Classic car insurance website in the Uk delivering quality Classic car insurance cover

car insurance young drivers

Our Specialist car insurance online comparison system doesn't just compare policies - it compares car insurance young drivers schemes especially designed for young people

You can choose from various suppliers and get car insurance cover even if you drive a high rated modifed vehicle with bass bins and alloy wheels.

If you are inexperienced we'll find you the cheapest car insurance young drivers policies available

Click here for car insurance young drivers cover