High Performance Car Insurance Schemes Compared

If you own a high performance car there are quite a few prerequisites that you'll probably require of your cover, for example, being able to choose your manufacturers approved repairers and only using authentic replacement parts should you be unfortunate and need to claim.
And there is the cost.....
That's why at Car-Insurance.Tv we have brought together all the leading UK high performance car insurance schemes into one place where you can compare prices, schemes and purchase policies, specifically designed for high performance cars.



Save time refilling in the same information when you compare over 80 specialist high performance car insurance schemes for your particular car.


Compare Car Insurance from hundreds of specialist car insurance schemes.

Garage Your Car for Large Car Insurance Premium Savings

Put your car in a Garage and keep your Car Insurance premiums down and your money in your pocket!

Whether you own a Bentley or a Banger, everyone is always looking for ways to save money and reduce their car insurance premiums and buy cheap car insurance.

One sure-fire guaranteed way to get an instant discount of up to ten percent or more on the cost of the car insurance, is to keep your car locked up overnight in a garage.
If your car is insured under a specialist car insurance or classic car insurance policy, the garaging option will bring additional security discounts and savings.



It might be a pain putting it away everynight but it will be worth the savings.

Similarly garages don't have to be ugly anymore as these images from a German based Pimp My Garage company demonstrate.
Style-Your-Garage.com offers customers the chance to 'pimp their garage' with unique 3D designs for their doors.

So if you own an MG, and have MG Classic Car Insurance with us, why not go the full set and have a photo of your MG brightening up your life while staying safe and secure in your garage.






The Official MG Classic Insurance Scheme

Exclusive cheap MG classic car insurance from Lancaster Insurance with massive discounts for MG owners club members.The official MG classic Scheme - Save £££s!
Category: Cars & Vehicles
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MG Morris MGB MGA Car insurance, classic car insurance

Cheap Classic Car Insurance?

If you own an older motor you may qualify to have it covered under a specialist classic car insurance policy. But what are the cover restrictions and is it cheaper in the long term? Our expert Dave Healey Investigates.....

Cheap Classic Car Insurance Cover
By Dave Healey
Do you own a car over fifteen years old? If you do you may well be entitled to cover it under what is known in the industry as a classic car insurance policy. In the past there were many more restrictions on cover under this type of policy and specialist motor insurance brokers and insurance companies were very particular about the type, age make and models of the cars they wished to cover on their books.

Times have changed and technology has led to many more cars now fitting into a bracket that was once reserved for the glamourous, collector and vintage car owners. It is now possible to obtain both cheap quotes and classic car covers online from many providers including the majority of those famous high street brands, who have realised that nearly fifty percent of the cars on the road now fall within the strict underwriting parameters for classic car policies. Consequently premiums in this market, which were always cheaper than standard cover, have become much more competitive in recent years, with the entry into the market of many of the larger insurance companies.

When searching for the right covers it is wise to get a range of classic car insurance online quotes from various different sources. Not all motor companies are the same, and neither are all classic policy conditions.

When applying for a classic quote you should be aware of the varying limits of cover and restrictions that may be put on driving the vehicle.
For example many of these policies will only allow you very limited road mileage each year, sometimes as little as 3000 miles per annum.
This is fine if you have an expensive collectors car that is garaged throughout the year and only taken out for the odd cruise or rally.
The problems occur much more frequently when non valuable classic cars are insured under this type of policy when they should really be covered under a more embracing standard motor insurance. Unfortunately, restrictive policy conditions often only come to light after an accident and a claim is made, rejected by the insurer and leaves the policyholder feeling missold and abandoned.

If you have decided that a classic car policy is right for your car, then when applying for quotes online always check that the policy is right for you, the owner as well.
Many policies are designed to charge by the lifestyle of the insured and as with all car insurance there is a tendency for cover to be cheaper for older persons and women drivers.
Many companies will not issue classic motor insurance to persons under the age of twenty five, although this is changing as well, and there are some very good providers out there who will cover drivers as young as twenty one.

If the value of the car is not particularly high and the replacement costs of parts and repairs does not warrant a specialist policy, you may well be better advised to seek out quotes from a mainstream insurance company.
They often have additional online discounts and offers which the classic policy providers are not in a position to offer.

As with all car insurance, what may initially appear cheap at policy inception could cause some unpleasant surprises when it comes to making a claim.
Shop around for specialist car insurance and Classic Car Insurance. Compare prices and insurance covers from both major high street brands and the smaller insurance specialists to ensure you not only get a good deal, but get the adequate levels of cover you require for your classic car, as well.

Original Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Cheap-Classic-Car-Insurance-Cover&id=2613741

Car Insurance and Cheap Car Insurance

How to Find Cheap Car Insurance Online

Find Cheap Car Insurance Online
By Car-Insurance.tv resident expert Dave Healey

Finding cheap car insurance can be like looking for a pot of gold at the end of the rainbow. Everybody is looking to make savings on their annual motor insurance premiums as the recession bites. We offer 7 proven money saving tips that will help you purchase cheaper cover online.

1. Improve you car's security to deter Thieves

Virtually all modern cars and newly bought vehicles have in built anti-theft devices and alarms. As long as they are approved by the government testing agency Thatcham, you will receive substantial discounts for implementing one. Extra and additional security measures such as window and glass etching of your cars number plate details will command further discounts with some insurance companies.

2. Pay for the Car Insurance upfront

You could save as much as twenty five percent on your annual car insurance premium charges if you pay for the whole years cover upfront, at the time of purchase. Most car insurers charge this amount in interest over and above the basic premium cost, for the privilege of paying for the cover in installments or by credit card. Additionally avoid untried pay as you go insurance schemes - you may be in for a very unpleasant surprise.

3. Do Not change cover mid-term of the policy

It is also a wise move not to change your car insurance provider in the middle of the current policy term. Primarily it is going to cost you more, as canceling an existing policy will only get you a small return on your annual premium and not a pro-rata payout for the amount of time you have left. Secondly it is highly likely that car insurance premium pates will have hardened or risen over the course of a policy and changing mid term will only ensure you pay more earlier.

4. Do you own more than one car?

If you own more than one car and perhaps have separate policies for these or for your wife, partner or children it would be worth your while investigating multiple car or mini fleet family policies. You may be surprised at how much you can save on annual premiums if you insure multiple vehicles under the same cover. Quite often the cost of insuring two cars can be virtually the same as one, particularly if one car is much more expensive than the other.

5. Keep an eye out for Group Discount policies.

Many specialist car insurance companies offer premium discounts on cover if you belong to certain clubs or are affiliated with certain organizations. When purchasing online keep a look out for affinity codes, usually your membership number, in order to obtain what are often substantial discounts for being a member of a certain risk group. Visit a specialist car insurance company or apply for your groups car insurance scheme through your motoring or leisure organization.

6. Take on some of the risk yourself

You can substantially lower your premiums if you take on some of the risk that the policy covers, yourself.
You can do this by increasing excesses, which is the amount you will have to pay in the event of a claim before the insurance company pays out.
Voluntary excess is one such example. Be careful to weigh up the costs of any excesses and whether you can afford them in the event of a claim.

7. Improve your credit rating

Most online car insurers as soon as they have your name and address will automatically make inquiries to one of the big consumer credit firms such as Experian. Before you have finished filling in the form the car insurance application will know whether you are credit worthy or not. If your credit score appears bad the insurer will probably weight the policy rates against you as they either do not want your business or perceive you to be a greater risk of claiming.

As with all insurance, you can be guaranteed money savings if you take the time and trouble to investigate alternative policies and compare companies cover and quotes on the Internet.

Original Article Source: http://EzineArticles.com/?expert=Dave_Healey http://EzineArticles.com/?Finding-Cheap-Car-Insurance-Online&id=2453854

Car Insurance and Cheap Car Insurance

How to get cheap car insurance

There's a very knowledgable article over at Ezines from Dave Healey, our classic car insurance expert who has given away the secrets the underwriters don't want you to know - How to get Cheap Car Insurance!
we gratefully reprint it here...

Twelve Car Insurance Money Saving Tips For Much Cheaper Premiums

By Dave Healey

It can be quite a daunting experience trying to purchase car insurance, and with the myriad of products and sales channels available today, it is often difficult to know where to start the process. It can be even more complicated when you start to look to reduce your premiums without sacrificing either your levels of cover or increasing your risk.
As most motor insurance is basically rated by your birth date and age, and your postcode or zip code, short of moving property or growing older, it often appears that reducing your vehicle insurance premiums is an impossible task.
This is not necessarily so! Whichever method or distribution outlet you use to purchase car insurance, if you consider these twelve money saving tips, implementation of any one will virtually guarantee a reduction to your premiums at both onset of a policy or at renewal. By simply making changes to any one of these premium rating factors that go to make up the quotes you are given, will result in an alternative quote which should be to your favour.
Before we start remember - Don't automatically renew your policy with the same company. It is virtually guaranteed that you could get like for like cover cheaper with another insurance company if you shop around and compare covers and prices from different providers.
1. Investigate on the Internet - Visit different suppliers
If you were getting paid at least £150 or $200 for two hours work, you should be pleased. That is the minimum you should look to save on your annual premiums by spending a couple of hours shopping around for quotes on the Internet.
Visit a car insurance supermarket comparison site. If the premiums are too expensive but you like the cover offered by a particular insurance company then, visit the supplier direct and cut out the expense of the middleman.
The large motor insurance comparison sites you see advertised all the time on television will send you off to the suppliers site themselves to complete 'the deal', so its best to close down the application, clear the cookies from your browsers memory to ensure that you are not charged their commission inclusive rates, and visit the insurance company direct.
Additionally you should visit a specialist auto insurance scheme provider. These were once only available on the High Street but are now springing up everywhere online. No matter what your particular individual needs, be it lady driver cover or perhaps classic car cover, specialist car insurance providers by their very nature usually offer cheaper quotes as they benefit from the economies of scale allowed by group buying of cover.

2. Do your research
Who is offering the best deals on television at the moment?

Everybody who seeks motor insurance is an individual with a different car and individual cover needs dependant upon their circumstances. Write down what you think your exact cover needs are and think about where you might find providers for your individual needs. For example, if are you a senior citizen, you should search on the Internet for specialist car insurance schemes for over fifties.

3. Go for a no frills policy
If you are not worried about quality of cover and only require basic road risks, go for one of the many policies now being offered by insurance supermarkets as 'value car insurance'. These policies usually only offer the very basics of cover required under the Road Traffic Act, however may be very suitable for low mileage, cheap cars and younger drivers.

4. Only get cover for what you need
Why pay for car breakdown insurance or other sometimes hidden extras such as the cost of including a replacement vehicle should you have an accident, when you already have AA breakdown cover and another car sitting on the driveway at home that you could use. Check your existing policy cover details carefully and exclude all unnecessary or duplicate covers.

5. Take on the risk yourself
With Car Insurance you have two basic options for taking more of the risk on yourself. These being, one by choosing how much cover you require in the first place, that is, either comprehensive or third party, perhaps with the fire and theft options included. Secondly you are given the option on most systems to choose how much of the cost of damages of an accident you are prepared to take on board yourself, before you call on the insurance company to make a claim. This is known as the voluntary excess and is the amount that will always be deducted first from any amount you claim. If the cost of repairs of an accident are not much more than the voluntary excess amount you have chosen then it would be prudent to pay for the repair costs yourself, rather than lose your no claims bonus.

6. Reduce the cars risk with improved car and location security
If you park your car off road or garage it at night you will receive further discounts. If you own a classic car which does not have them fitted as standard, fitting security devices, for example car alarms, immobilizers and GPS trackers to your car will substantially reduce your premium.

7. Improve your driving or change your lifestyle
If you need to make a claim because of the way you drive, or if you have more than one SP30 for speeding, your premiums are going to be heavily loaded at renewal. You can reduce your insurance costs therefore by improving the way you use your car or changing your lifestyle.

8. Cut down on your Car's Usage
By thinking about how you use your car and reducing unnecessary journeys you will be cutting down on your cars usage and by implication the risk you present to an underwriter. Check how many miles you run up each year and make sure that this is what you are paying for! Do not make a false mileage declaration in an attempt to save money because in the event of a claim, your mileage and MOT if applicable will be noted by a claims assessor. If there is significant difference between the declared mileage and the actual amount you have driven, you risk having the claim refused or seriously reduced in value.

9. Pay the full premium amount upfront
Most UK insurance companies charge additional costs for handling monthly direct debit payments. There is often a five to ten percent effective discount if you pay immediately online or over the phone by debit card.

10. Investigate Specialist insurance and Car Insurance Schemes
Investigate insurance specialists that target specific groups of people of car type, for example performance motor insurance or cover for young drivers. These schemes offer with unique policy options and cover modified for the particular specialist driver group. They are often far cheaper than standardised covers offered by comparison sites as they have group bulk buying economies of scale regarding underwriting and claims and a known risk pool of similar types of people and car.

11. Join a Car club
Many car owners clubs and specialist marques clubs have special affinity group rates for specialist car insurance schemes. The cost of getting membership of these clubs can often be less than the five to ten percent savings you can make on your premiums by joining such a scheme.

12. Take an Advanced Driving Course
You can save a further large percentage with most online insurance companies if you have taken an advanced driving skills course or ADC. The courses are run nationally and the cost of the course is outweighed by the annual savings you will make on your insurance premiums. The savings are greater for young drivers and this is one of the few positive actions that a young driver can make to reduce his or her annual vehicle insurance costs.

And Finally - Haggle!

And here's an extra tip which we often find works when all else fails. Complete a quote on the Internet for the policy you desire with the company you like. Do not complete the quote beyond the screen where the premium prices are displayed, merely save the quote reference number. Quotes are usually legally binding for thirty days.
Leave it a while then pick up the phone and call the insurance company. Tell them that you've had problems completing the quote online. They will ask you the quote reference number and then have all you details in front of them. When they tell you the quote amount (which you should know already), tell them that you've got a quote that is, say a hundred cheaper at so and so company, and ask if that's the best they can do. Just by haggling you will be surprised just how much you could save on your car insurance costs!

Dave Healey is a specialist car insurance expert whose field of expertise extends from underwriting Classic Car Insurance polices at Lloyds , to designing car insurance supermarkets online.

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Twelve-Car-Insurance-Money-Saving-Tips-For-Much-Cheaper-Premiums&id=2141735

Cheap Car Insurance and Cheap Classic Car Insurance

Save 80% on your car insurance - prices guaranteed!

Eighty percent savings on your existing car insurance at renewal - guaranteed!

80% off my car insurance - No I don't Believe it!

Well in the not so distant future this may well be the headlines that greet you on your TV set or computer, when a new criminal intelligence system is rolled out by certain participating car insurance companies.

The car insurance companies using the system will most certainly be offering big big discounts to get you to sign up!

Why?

The system effectively stops uninsured driving, allows insurance companies to eliminate many of the car insurance claims bottlenecks and at the same time provides police with the physical location of an insured vehicle, whenever they have reason to suspect otherwise.

By matching known locations of vehicles taken from Automatic Number Plate Recognition Systems (ANPRS) which are attached to streaming live video taken from multiple camera location sources, a datastream interrogates the Motor Insurance Database (MID).

The new system works by comparing known positons of registered vehicles.

When you sign up to the massive car insurance discounts policy, you will need to register a device that has GPS streaming output capability. Such devices are Pay as You Go (PAYG) insurance boxes, MOT Road Charging boxes, Mobile phones or any other GPS device with output streaming capability that can be permanently associated with the car. That's the only catch! Unless you include privacy, human rights, big brother society etc. etc. ....

Like it or not the economics of this system will ensure it is delivered!

Here's how it works!
When a request is made to the MID by the Police, either from an officer in the field or triggered by an APNRS, those car insurance policies that have signed up to the 'Security discount', will have the current GPS position returned to the police.
The policyholder for the registration number of the registered GPS device for their car is 'pinged'.

What is known as 'GPS pinging' is a request for a serial datastream of GPS coordinates, from the registered device, which gives the cars current GPS position. The coordinate datastream is retrieved to the MID and available instantly to the police.
If there is a mismatch in the serial numbers - Bingo you've got yoursef false numberplates!
The whole system is automated and can instantly flag up to the nearest patrol car the location of the car with false number plates.

Watch out billy burglars and car insurance fraudsters!

Big Brother is soon to be Watching!

-------------------------------------------------------------------------------

Author W Smith.

Car Insurance and Cheap Car Insurance

Car Insurance Supermarket

Car-Insurance.tv is the UK's largest quality and specialist car insurance supermarket and online provider of car insurance schemes.
When you request a quote from the car insurance comparison system you are presented with up to twenty five choices of specialist car insurance policies, selected from our car insurance scheme database, that fit the requirements you have requested.

Unlike many of the other car insurance comparison websites, the quotes you are offered are 'firm' quotes' with no hidden extras. They are also cheaper quotes because they are offered as part of a car insurance scheme where the risks are aggregated.

If you have ever visited a car insurance comparison website you may have been disappointed to discover that after you have filled in all the forms and been presented with a list of car insurance quotes to choose from, that you are then taken away to another site to answer a more detailed set of questions, and then depending upon how you answer these, are then presented with an entirely different car insurance quote.

This doesn't happen at Car-Insurance.tv. Because Lancaster Insurance have the 'underwriting pen', the site is able to put you on cover for exactly the price that you have been quoted from various car insurance schemes, with no further questions!

At Car-Insurance.tv we DO ask you more questions up front - The answers you give to each of them, will determeine how much cheaper car insurance we can instantly cover you for.

Get a cheap car insurance quote now, from the UK's quality car insurance supermarket.

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