We offer four types of breakdown cover. All cover options will fix your car at the roadside if you are over a quarter of a mile away from home, or take you to a nearby garage. There are no call-out or mileage charges.
Another important factor in determining car-insurance premiums involves the annual mileage put on the vehicle, and for what reason. Driving to and from work every day at a specified distance, especially in urban areas where common traffic routes are known, presents different risks than how a retiree who does not work any longer may use their vehicle. Common practice has been that this information was provided solely by the insured person, but some insurance providers have started to collect regular odometer readings to verify the risk.
A compulsory excess is the minimum excess payment the insurer will accept on the insurance policy. Minimum excesses vary according to the personal details, driving record and the insurance company. For example, young or inexperienced drivers and types of incident can incur additional compulsory excess charges. By speaking to a specialist insurance broker we can help you save lots of money by tailoring your quote to your exact needs. Ensure that only regular drivers are named on the policy. You can always add someone for a few days when they really need to drive the car.
If your classic car is used for limited mileage only, you can receive a fantastic discount. Starting from as little as 1,500 miles per year, the discount decreases the more miles covered. We still insure drivers with unlimited mileage at a great price too! 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. Once you know the basics from our top 10 tips for cutting costs, it’s time to visit the comparison sites to get quotes.
Comprehensive is a good idea if your car is worth more than Â£1,500, and is more important the more valuable your car is. Many insurers will only offer comprehensive cover for cars over a certain value anyway. Voluntary excess – the amount you’d be prepared to pay on top of the compulsory amount. The higher you go, the lower your premium. A modification is anything that isn’t part of the standard vehicle specification, including factory-fitted optional extras such as alloy wheels. AXA is committed to making claims clearer. We paid over 99% of customers’ car insurance claims in the last year.
Courtesy car cover provides you with a replacement vehicle while yours is off the road, if you’ve had an accident or need to make a claim. There are different levels of courtesy car cover – some will only cover you if your car can be repaired, while others will cover for complete write-offs, or if your car is stolen. Protected No Claims Discount allows you to make up to two claims in three consecutive years without losing any of your No Claims Discount. This optional extra also allows you to continue to earn your discount in the years you don’t have to make a claim. Different careers will affect the number of hours you work, the time you travel and the amount of driving you do.
If you or your passengers are involved in an accident in the car, we’ll pay up to Â£100 in medical expenses to treat each injured person. Premiums may go up if the car is not driven safely – but not by more than 20% of the annual premium. At its most simple, car insurance covers you if your car is stolen or involved in a road accident. It also protects other road users if you cause damage to their vehicle or property.
There are a number of different car insurance policies around, but don’t worry, we’ll explain the differences and make it easy for you to pick the policy which suits you best. The DVLA will phase out the paper counterpart to the UK photocard driving licence from June, 2015. Read our useful article here. Save up to 20% online : Buy your car insurance cover online and you could save today. We expect 10% of our customers to receive the maximum saving. Laura Keely, right, opted to have a little black box put in under the dashboard of her Vauxhall Corsa by Insurethebox.
That quote should still be valid even if you get another quote nearer the time and the price has gone up; however, the price is fixed subject to you not changing any of your details. Multi-car: covers all the cars registered at a particular address. If you’ve got several cars, this sometimes can be more cost-effective than having lots of different policies. Simply stop, start or cancel at any time with no penalties as long as you keep your payments up to date.
Add Guaranteed Replacement Car Cover for Â£14.99, to cover you if your car is stolen or written off, or is no longer driveable following a fire, theft or accident claim. 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. You can increase your personal accident cover on your LV= policy up to Â£100,000 for Â£19.90 for further peace of mind.
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.
Plus our best renewal price when your cover is due to end – no need to call us to see if we can offer a better deal. If you are a current Liberty Insurance policy-holder, your existing insurance cover remains valid within the terms of your policy. You may make changes to your policy until your policy expires by contacting one of our team at 0333 300 9000.
Car insurance groups are what insurance providers use to determine a driver’s basic premium level. Insurance groups are numbered from 1 to 50, and each make and model of car is categorised into a specific group based on a wide range of factors. The lower a car’s group, the lower the driver’s premiums tend to be. Factors that affect the group a car is in could include its price, performance level, the cost and availability of spare parts, and the average time required for repairs.
Please refer to the following car insurance booklets for policies starting or renewed between the dates shown. We do not ask you to tell us who is driving the insured vehicle at any particular time. Your driving score will be calculated on overall use of the car, so you will need to make all named drivers aware that they can influence your drivingÂ score. Virgin Money Car Insurance is promoted by Virgin Money Personal Financial Service Ltd and arranged and administered by Ageas Retail Limited. Car Insurance is underwritten by an insurer selected from a panel.
In Australia, Compulsory Third Party Personal Injury Insurance (CTP) is a state-based scheme that covers only personal injury liability. Comprehensive and Third Party Property Insurance is sold separately to cover property damage additionally, and can include fire, theft, collision, and other property damage. Third Party Property Insurance covers damage to third-party property and vehicles, but not the insured vehicle. Third Party Property Insurance with Fire and Theft additionally covers the insured vehicle against fire and theft. Comprehensive Insurance covers damage to third-party and the insured property and vehicle.