Interested in UK Car Insurance

This Friday is not about driving tips, but an article of mine about UK car insurance. Yes, I have those as well.

Interested in Getting Car Insurance in the UK? Read This First

 There are over 60 car insurance companies in the United Kingdom. Anyone who wishes to legally drive in the UK needs to have some type of plan. There are different types to choose from, and all drivers need to find one that best suits their needs. Some individuals may be able to find car insurance in the UK for cheap, although high risk drivers may be required to pay a bit more.

The factors that determine the car insurance costs in the United Kingdom are much the same as in other countries: level of coverage, driving history, age, car model, location, etc. There are also different levels of plans. Obviously, the more comprehensive the coverage, the more it's going to cost. While everyone in the UK wants cheap car insurance, they should still try to get the most coverage possible for whatever their budget will allow.

The third party coverage is the most basic. It provides protection for any third party that may be injured or damaged in an accident caused by the driver. There is also a third party, theft, and fire coverage plan, which provides more protection than the basic third party policy. This is the mid level insurance coverage throughout the United Kingdom.

Fully comprehensive cover offers the most but is also the most expensive. Still, it covers so much that drivers will be able to save a lot of money in the long run by not having to pay for any repairs in accidents that weren't even their fault.

Not all companies are equal in the UK. Some of the most popular and highest rated online are Churchill, Norwich Union Direct Car, Admiral Car, and Diamond Car. These are some of the top choices for those looking for car insurance in the UK for cheap. Still, drivers need to do research and read reviews about what each company has to offer before deciding. They can do this by requesting free quotes online through sites associated with UK automobile insurance companies.

In the UK, there are over 40,000 bad vehicle accidents a year. Just imagine if you were involved in one of those: would you have the insurance to cover everything? You can still get good plans for affordable prices. Take advantage of the internet and get cheap car insurance in the UK.

I hope this article helped you,

Nadav

nadavs

New UK Insurance Laws

Starting April of this year, Britain has some new laws regarding car insurance. Here is an article by Shola Ogunlokun showing the difference between the old situation and now.

New UK Car Insurance Laws - April 2011

From April 2011, it will be illegal to own a car in the UK that is not insured even if you don't drive or keep it on a public road unless you have a current and valid Statutory Off Road Notice (SORN) registered with the Driver & Vehicle Licencing Agency (DVLA).

This new law is being introduced in an effort to clamp down on the over 1 million un-insured drivers using their cars on UK roads every year. With the cost of insurance rising every year due to the increased number of claims involving these vehicles with no 3rd party insurance cover and a minimum of £30 added to the premium of law abiding citizens, the government and the motor insurance industry is finally taking the bull by the horn and dealing with this public menace.

Once the new car insurance laws come into effect, every car that is registered with the DVLA will have its details checked against the Motor Insurance Bureau (MIB) database, and the registered keeper of any vehicle that does not have insurance will automatically be contacted via an Insurance Advisory Letter (IAL), giving them steps they need to take to avoid action being taken against him/her.

Failure to get the car insured could result in:
1. A fine of £100.
2. The offending vehicle being immobilized, impounded and eventually destroyed.
3. The registered owner facing prosecution with a possible maximum of £1000.

In order for you not to fall foul of these new car insurance laws, you need to either get a minimum of 3rd party insurance cover on any vehicles registered in your name, or if the car is not being currently used, file a Statutory Off Road Notice with the DVLA informing them that it is kept off road (driveway, garage) and not currently being used or driven.

The government and the motor insurance industry is hoping that these new laws will drastically cut the number of un-insured cars being driven on UK roads and as a result a drop in insurance premiums for all law abiding citizens.

Shola Ogunlokun is a qualified and approved UK instructor, providing driving lessons in Edgware. He also provides free online articles, tips and videos to help pass the UK driving test.

Source: EzineArticles.com.

I hope this article helped you with your insurance.

Thank you Shola!
Nadav

nadavs

UK Car Insurance - What You Need

Living in the UK can be quite expensive in terms of car insurance. However, there are some ways to lower this price. Here is an article I wrote about this topic.

What to Look For in a Comprehensive Coverage UK Car Insurance Quote

If you want to drive in the UK, you're going to need car insurance. There are many different providers, but not all of them are good. In fact, some are outright scams. For this reason, drivers need to read reviews on different providers before taking a UK car insurance quote into consideration.

Those who want to drive a vehicle in the UK also need to know what type of coverage to look for. Some companies even offer discounts for individuals who buy online. While many will find medium coverage good enough, there are still some who are interested in comprehensive coverage. If you want all the coverage you can get, check to see which companies offer the following when getting a UK car insurance quote:

• Complimentary cover for driving in other parts of Europe.
• £50,000 + legal expenses to help pay for medical bills if in an accident with a driver that isn't insured.
• Courtesy car after being in an accident until your own car iis repaired.
• 24 hour UK roadside assistance in case of breakdowns.
• European breakdown, roadside, and accident assistance.
• Replacement locks for loss of keys for up to a certain amount, usually around £350.

Some companies include these with a comprehensive coverage plan while others charge extra. If you think you will need any of these included in your plan for any reason, then they're what you need to look for during your UK car insurance quote search. Quote searches are free, and there are internet databases on websites that will even give you a dozen quotes at once!

Insurers are all competing online because they know it's where all the consumers are. The right insurance plan is out there, you just need to find it on the internet. Thankfully, you can get 1 UK car insurance quote or a dozen all within a matter of minutes!

Hopefully this article helped you,
Nadav

nadavs