Aviva Car Insurance Review

The first thing to mention about Aviva car insurance is their website. I have personally used it and it is easy, quick and simple. If you are looking for car insurance then Aviva is probably one of the best companies to go with. None of us wants to spend an inordinate amount of time researching the right company when it comes to car insurance; we’re all very busy people these days, trying to earn an honest living. With Aviva and their car insurance quotes; all you have to do is go through 6 quick and easy steps to obtain a quotation that will suit you. I managed to get a quote in less than 5 minutes!

If you do not have access to the internet for one reason or another, it’s easy enough to find the number for Aviva car insurance in your business directory and you will find that their employees’ are friendly and very knowledgeable about the car insurance policies they have to offer. If you are a “newbie” when it comes to car insurance, the staff at Aviva will guide you through each step of obtaining the right car insurance to suit you.

What Types of Car Insurance Policies can you expect to get with Aviva?

What you should be aware of here (and this is my opinion and not Aviva’s) is that you should, where possible get a fully comprehensive car insurance policy. This means that you will be covered for just about any unfortunate eventuality that may occur when you are out driving or if you car is parked and gets damaged.

There are 2 types of car insurance policy you can get with Aviva and they are:

Third Party Fire and Theft or TPFT – With this type of car insurance policy you will receive the following:

  • Of course your car will be covered for any loss or damage which comes about as a result of fire, theft or damage. Please do bear in mind that should you need to replace your car as a result of something like this happening, you will only receive the market value of your car.
  • The audio equipment in your car will also be covered with this type of car insurance policy however; you will be limited to £100 in value.
  • Aviva also offer a vehicle recovery or transport service with this policy. This means that should you be involved in an accident on the road; you will have a representative come out to you. If your car cannot be repaired there and then, your car will be taken to one of Aviva’s approved repairers (you don’t have to use an approved repairer however, this may result in delays). If your car does have to be taken to a garage, Aviva will ensure that you are either taken home or taken to the destination you were originally trying to reach. Once your car has been repaired, they will deliver it back to your home address.
  • Under this type of car insurance policy, you and any of your passengers will be covered for emergency medical treatment should you need it.

Fully Comprehensive – With this type of policy you will receive the following:

  • Everything mentioned above, plus….
  • If your car is a right off Aviva’s fully comprehensive car insurance policies will ensure that you are reimbursed with a new car….don’t get too excited here, they will replace your vehicle with the exact same make, model and year that you had previously.
  • If you happen to experience your windscreen or your windows being smashed as a result of vandalism, theft or due to an accident Aviva will replace them for you.
  • Medical expenses – this is slightly different to the TPFT policy in that it is not limited to you requiring emergency treatment. Sometimes injuries that are sustained during an accident do not surface until later, should this happen to you then Aviva will cover any medical expenses associated with your injuries.
  • You are covered for personal belongings that are lost or stolen from your car with this type of car insurance policy; there are limits though; so make sure you check these out first to make sure that it will suit your needs.
  • If you lose are have your keys stolen, Aviva will replace them and also the locks on your car. For those of you that have fancy anti-locking systems or keyless entries on your car do not worry Aviva cover this as well.
  • No claims discount (thinking about it, this should have come top of the list, anyway, I got there in the end). This is available not just for you but also for any named driver that you have on your car insurance policy.
  • For all of the parents out there, Aviva have not forgotten about you, if you have little ones you will need a child seat. If this happens to be damaged during an accident, is stolen or damaged by fire Aviva will give you up to £100 for a new one.
  • Tools are also covered with this type of car insurance policy, however, it is limited to non-powered tools and if you have tools in your car that are used for business this policy will not cover them. If you need that type of cover then take a look at their insurance policies for businesses.
  • Of course as with a lot of companies these days, Aviva will ensure that you do not lose out if you are hit by an uninsured driver. As long as you can provide them with the make of car, registration number and the details of the driver that hit you; they will ensure that your no claims discount is not affected and that any excess that you have to pay is refunded back to you.

Some Other Little Extras to look out for

You will find that car insurance policies with Aviva will start from as little as £200; this may sound very cheap but believe me they do! If you have a policy that only costs you this amount don’t expect to be treated any differently than those customers that spend more with them. Aviva pride themselves on their customer service and in my experience, they deliver.

If you are looking for a multi-car insurance policy Aviva are currently offering up to a 20% saving, so if you are currently in the market for this type of policy, get yourself on the website today! There are all sorts of incentives to help you decide that Aviva is the company for you when it comes to your car insurance. You can expect to get great deals when it comes to renewing your car insurance policy. They have a great little system connected to their website which means that you can manage your account online and you can even print off your own cover note directly from the website.

If you buy your car insurance through Aviva’s website they will give you £5 off straight away. Oh, and here is the best bit….they are currently offering 15 weeks free with any new car insurance policy that is taken out with them. This could mean a saving of well into hundreds of pounds for you.

In Conclusion

If you are looking for a car insurance company that will treat you like a person rather than just a number then Aviva is the company to go with. I cannot stress enough how good their customer service department is. When contacting them for the first time, you will not receive the “hard sell” and the sales people that work for them know exactly what they are talking about, so you will not find anyone saying to you “one second, I’ll just check with my manager”!

Aviva have been around for some time now and they are committed to ensuring that you, personally, receive the right level of service and most importantly of all that you take out the right car insurance policy for you. For me, I would not use anyone else, I poodle about quite happily in my car safe in the knowledge that I am properly insured and, with a company that knows the car insurance business inside and out.

It’s worth keeping an eye on Aviva and the part of their website that deals with car insurance; they are constantly watching their competition and always have great offers available. The mere fact that they have recently launched the 15 weeks free deal is proof of this as there is other major car insurance companies that have started to offer a number of weeks free. Aviva car insurance, however, have beaten the total number of weeks that you can get when signing up for a new car insurance policy.

Aviva are not just a company that deals in car insurance policies that are about the “numbers” game, they care about their customers and making sure that they renew year on year.

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Churchill Car Insurance Review

Do you like Bulldogs? If so then you will love the advertisements that you see on television for Churchill car insurance. This loveable little character has become a household name across the UK and I take my hat off to the firm that came up with this advertisement campaign. I’ll bet that Churchill car insurance policies are being taken out in their droves due to this successful ad. If you go on to their website, you will find that it is easy to use and it’s quick and simple to get a quote for a car insurance policy.

Some of the Benefits that Churchill Car Insurance Offers

  • Protection from uninsured drivers – this is an inherent problem in the UK right now, many people think they can get away without car insurance. If you happen to be in an accident that involves someone that is not insured, Churchill’s car insurance policies will protect you from this and your no claims discount will not be affected.
  • If you decide to have named drivers on your car insurance policy they will be able to have their own no claims discount. This is something that is relatively new to the car insurance market and Churchill has been quick to catch on to this.
  • If you have a fully comprehensive car insurance policy with Churchill you will benefit from their 24 hour a day accident/recovery hotline. This means that no matter what time of day it is you will be able to speak to a real person on the telephone in order to get help.
  • If you find that you need to have repairs done to your car as a result of an accident or vandalism Churchill will cover the costs under your car insurance policy. Do bear in mind however, that this is only available if you take out a fully comprehensive car insurance policy.
  • Should you be involved in an accident that means your car needs completely replacing then Churchill will cover the cost for this if your car is under 12 months old and you can prove that you are registered keeper.
  • With Churchill, if you have a fully comprehensive car insurance policy, they offer personal accident cover for you and your partner, wife or husband.
  • If you happen to be in an accident and you incur medical expenses you will not need to worry about how you are going to cover the cost, Churchill will do it all for you. This is a great option and proves that Churchill have recognised that being in an accident can be traumatic for anyone and the last thing you need to be worrying about is how you are going to pay your medical bills.
  • Everyone carries personal belongings with them when they are in their car, especially us ladies, Churchill offer cover for personal belongings within your vehicle with their car insurance policy, however, there are limits so if you decide to carry around that gold bullion you have just “acquired” it is unlikely that you will get the value of this back if it’s lost or stolen!

Optional Extras that you can get with Churchill Car Insurance

The optional extras detailed below will cost you extra nonetheless, they are worth considering:

  • For an additional £2.21 per month you can benefit from legal assistance with Churchill. They will provide you with up £100,000 worth of legal expenses. Some of the things that you will find are covered with this optional extra are:
  • If you happen to be injured or in the worst case scenario are killed in a road accident Churchill will pay compensation to you or your spouse for this.
  • If you do not decide to take out a fully comprehensive car insurance policy with Churchill you can still benefit from cover with repair costs for just a little bit extra each month. I happen to think that this is a great idea, not everyone wants or needs a fully comprehensive car insurance policy and the fact that you can choose to have this sort of cover as an optional extra is fabulous. The other thing you can choose if you don’t have a fully comprehensive car insurance policy is protection for your clothing, personal belongings or luggage.
  • Costs for hire cars and also loss of earnings are another of the optional extras that Churchill can offer you.

All this said you can pretty much make up your own car insurance policy with Churchill; they know that car insurance is big business and is also a very competitive market. Plus, they also know that everyone is different and we all want different things from our car insurance policy.

Churchill Car Insurance for Ladies

This type of car insurance policy has (as the above subtitle suggests) been designed specifically for ladies. You may be asking yourself why, well, the fact is that we ladies are a far safer bet when it comes to being on the road. We tend to be far more careful when we are driving compared to our male counterparts. As a lady, if you take out a car insurance policy with Churchill you will get all of the benefits listed in this article plus…get this…..you can save over £400! This is possibly one of the largest savings available from any of the major car insurance companies. Bear in mind that you can also add you partner or husband to your car insurance policy which means that you will both save money.

Multi-Car Insurance with Churchill

Churchill offer multi-car insurance policies, this is not uncommon in the car insurance market however, the discounts that you can get with Churchill if you want to take out a multi-car insurance policy are less common. They will offer you 15% discount in the first year of your policy and 5% every year thereafter. Do remember that should you be with Churchill for a number of years you may well be able to better this should it be time for you to renew your policy and have found a better deal elsewhere. However, for now, don’t be greedy, these discounts are some of the best to be had right now.

Some Great Advice from Churchill on how to stop Fraudulent Claims

I was on Churchill’s website recently and I found a snippet of information that I have found really useful. We all know “ambulance chasers” as they are lovingly referred to and they help people who are genuinely hurt in an accident to claim compensation for the injuries they suffer. Unfortunately, this has also brought along a number of undesirables that have decided that they can make money by deliberately causing accidents. I happen to think I am a good person and it had never occurred to me that this might happen to me.

Churchill are working with various official bodies in order to stop this from happening, here is some of the advice that they offer in order for you to ensure that you do not become a victim of this type of “crime”. I use the term crime loosely; there is a very fine line here on this type of con!

  • This is an obvious one but if you are involved in an accident make sure that you stay calm and exchange details with the other driver.
  • Try to remember how the accident came about and if there was anything that seemed out of place or odd to you. Things like passengers looking at you before you were actually hit is quite an obvious thing to look for, this tells you that the accident may well have been pre-meditated.
  • This is something I have never thought about doing if I was involved in a car accident – make sure that you take as many notes as possible about the driver and passengers; what they are wearing, are they male or female, how old are they and anything else that you can think of.
  • Make sure that you ask the other driver to do the same as you.

Remember, car insurance is there to protect you and I think the fact that Churchill has posted this information on their website is great. It’s always better to have too much information rather than not enough. It’s hard to imagine but it is a cruel world and there are people that have no scruples, so if you are involved in a car accident, don’t let your good nature get in the way.

I hope this article has not only explained what Churchill car insurance can do for you but also that you have found some of the safety information here useful as well. It’s great that a car insurance company such as Churchill have taken the initiative, they are not only offering great car insurance policies, they are thinking outside of the box by letting their customers know some of the pitfalls when it comes to accidents. “Oh Yes” Choose Churchill!

Women’s Car Insurance Review

Women’s car insurance, how long has it taken for insurance companies to realise just what safe drivers we are? I’ll bet you any money that whoever came up with these types of car insurance policies was a woman! Some of the biggest car insurance companies have, at last, started to reward women for the fact that they rank lower in the risk stakes when it comes to being on the road. For a start, we girls do not allow our heads to be turned by all of those extras that you can add to your car in order for it to become sportier. This (if you didn’t already know) actually raises the cost of insurance on your car.

The reason behind this is that the faster your car is the more at risk you are of having an accident. Plus, women tend not to speed as much as men do, we mostly use our vehicles for commuting to and from work or completing the daily school run. This means that as a whole, women have to be more responsible when they are on the road because they are more likely to be carrying young passengers or delicate loads like the weekly shopping.

Here are some statistics for you:

  • In the UK alone driving offences are committed by over 90% of men
  • When it comes to dangerous driving the statistics show that over 95% of this sort of offence is caused by men.

Any person that is involved in marketing within a car insurance company cannot ignore these statistics, they speak for themselves!

How to go About Finding the Right Women’s Car Insurance Policy

One way in which you can find a car insurance policy to suit you if you are a woman is to research on the internet; there are plenty of price comparison websites that you can use to find companies that specialise in women’s car insurance policies. Be aware, however, that not all reputable insurance firms subscribe to price comparison websites. My advice here is to start there, gather some quotes and then go to other car insurance companies to see if they can match the prices you have found.

The other thing you can do is ask around, word of mouth is a very powerful marketing tool…if you happen to work for or own a car insurance company and are reading this article, please take note….we do talk about you!

Make sure that before you decide on a car insurance policy that is geared towards women that you understand fully what is covered when it comes to you and your vehicle; many people (not just women) get themselves into sticky financial situations because they have not understood EXACTLY what their car insurance policy covers.

Some of the Best Women’s Car Insurance Companies

AA – This Company has been around for many years and his here to stay. They are practically a household name in the UK and offer some great deals on women’s car insurance policies. The one thing they are great at recognising is that as a woman, if you are driving alone and happen to breakdown or are involved in an accident, you are more at risk of becoming a victim of additional crime then men are. They pledge to attend to your needs within 30 minutes of you calling them and this can come as standard with their fully comprehensive car insurance policies. I have chosen this company as top of the list because I honestly cannot find a bad word to say about them. The discounts they offer for women’s car insurance policies are some of the best on the market and if you go to them with a price you have already been quoted, they will more than likely match or even beat that price.

Sheila’s Wheels – What a fantastic company name, as a woman I would be interested in researching their car insurance policies just because of that. I guess that’s why they came up with the name….very clever, whoever thought of it. One of the best things that this company offers with its comprehensive car insurance policies is handbag cover for up to £300; for any men reading this, you may think “what a load of old rubbish”, well let me tell you, handbags are incredibly important to us ladies and we guard them with our lives. It’s not just about having your favourite lipstick to hand, we keep our keys, credit cards and money within our handbags so having a car insurance policy that covers this is a real bonus.

Another great idea that Sheila’s wheels has come up with is that they will offer you counselling with you car insurance policy, this is available to you 24 hours a day, every day. I only wish that I had come across this company sooner, some years back I was involved in a car accident and had I had counselling available to me under my insurance policy I would definitely have taken advantage of it. Of course no claims discount is important to us as well and this company offer up 75% with their women’s car insurance policies.

Women on Wheels – Yet another great company name, if you are looking for a car insurance policy tailored for women; there will be no confusion about what this company does. These guys are part of the Endsleigh Insurance Group and if you go to their website all you need to do is click on the “get a quote button” and they will find a policy that suits your own needs. This is great, because everyone is different and we ladies require different types of cover than men. They do also have the following that comes as standard with their comprehensive women’s car insurance policies:

  • Up to 76% no claims discount.
  • All repairs that are carried out on your car are guaranteed for 5 years.
  • If you use one of their preferred garages for servicing or MOT you can save between 10 & 20%.
  • If your car needs to go in for repairs, you get a courtesy car as standard.

Bear in mind that the above are just a few examples of what you can expect to get from your car insurance policy and do also remember that if you have a special requirement, they will do their best to help you.

These are just a chosen few of the car insurance companies that specialise in women’s car insurance policies. A lot of the well known larger companies also now offer car insurance policies for women however; you might well be better off sticking with those that make it their business to insure women. If you have a partner or husband, don’t worry, you can get multi-car insurance policies that will allow you to add your spouse or house mate as well. This will not affect the savings that you can make with your own car insurance policy.

In Conclusion

At last, the UK car insurance market has recognised that us girls are a safer bet when it comes to car insurance and not only that, they are now thinking about the sort of needs that a woman has when it comes to insurance on her car. It doesn’t matter which way you dress it up, it’s a dangerous world out there and women need specialist protection when they are on the road; especially when they are driving alone. There are hundreds of car insurance policies tailored towards women with this in mind.

If you are a woman and you are on the market for a car insurance policy, check out the companies mentioned in this article, they have really thought about what women’s car insurance policies should include and not only that, they offer great savings because we, as women, are less likely to make a claim. Car insurance companies now know that as women, we drive more safely and take better care of our vehicles than men do.

With some women’s car insurance companies, you will even be able to gain advice on how to make sure that your car is safe to drive; one of the things that men do come out top on is having the knowledge about tyre pressure, oil levels and so on. When you choose a car insurance policy tailored towards women, you will find that on the whole, most of the companies that offer women’s car insurance policies will advise you on these little issues. After all, it’s in their interest to ensure that you don’t experience a tyre blowing out on the motorway or your engine conking out because you have run out oil.

The message here is that whether you’re a young woman that has recently passed her driving test or a woman that has been driving for some time; you can now at last, find women’s car insurance policies that will protect you properly. You can now find a car insurance policy that is just for you!

 

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