Insurance – Know what You’re Getting Into!

For the majority of people who live in the UK, counting the pennies is top of the list. However, there are times when you simply can’t cut corners. For example motor insurance is a big no-no when it comes to seeking out those so called “super deals”. I’m not saying you shouldn’t shop around when looking for any type of policy because there are plenty of companies out there who have reputations second to none.

But! There are also plenty of shady dealers out there who are willing to sell you something that, quite frankly, isn’t worth the paper it’s written on. Some of you reading this may think “surely not” but I assure you they are out there and they’re costing both customer and company millions upon millions every day!

So, what is it you should look out for? Let’s start with the obvious Do’s and Don’ts…..

DO

Make sure the company you decide to go with is a registered member of any governing bodies required. In respect of motor insurance for instance, they should be a member of the Motor Insurers Bureau or the MIB.

If you intend to use a broker, they should be on the Financial Services Register.

It may seem like a more expensive option but stick to companies you’ve heard of and do your research before passing over any of your hard earned cash. Oh, and by the way (BTW for all you text speak people out there) make sure any website you’re looking at is genuine. One way to tell this is by checking they’re regulated by the Financial Conduct Authority. If you have any doubts, and I mean ANY there are numbers you can call.

DON’T

OK, this might sound silly but if you’re contacted about insurance by someone through any type of social media site, the chances are they’re not the real deal.

It also goes without saying that if you come across someone in your local pub with what looks like a bunch of official insurance documents in their inside pocket, you’re not dealing with a person who has legitimacy on their mind!

You Shouldn’t Cut Corners Because…..

Imagine this? You think your car is properly insured and you have a prang (nothing serious) but the police attend the accident. If you’re found to be carrying fake documents the chances are the long arm of the law isn’t going to be too pleased!

You might even find yourself being questioned over your own attitude to being a law abiding citizen. All sorts of things can go wrong and you might even end up with your precious Vinnie the Vauxhall being imprisoned or worse still….squashed!!

Overall

We hear plenty in the media about how certain “undesirables” are pushing up the cost of insurance by making false claims, but the problem is just has huge on the other side of the fence. Remember that just because there is a friendly looking dog or some other legitimate looking logo on the paperwork you’ve been sent, it doesn’t necessarily mean you’ve got real documents.

Oh, and if you hear the words “ghost broking”…head for the hills!

 

 

 

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!

Direct Line Car Insurance Review

Direct Line is probably one of the largest companies that offer all types of car insurance in the UK. If you are in the market for car insurance and are one of those people that is addicted to price comparison websites, be sure to know that you will not find Direct Line on any of those sites. However, feel free to fill your boots and obtain quotes from these sorts of websites, Direct Line advertise the fact that they will beat any quote that you have found there! If you’re about to embark upon looking for car insurance you will no doubt be aware that this can be a potential pain in the proverbial. Car insurance can be very complicated and there are literally hundreds of different policies you can choose from. In this article, I intend to make clear what some of the car insurance policies Direct Line have to help you get started.

Some of the Extras Direct Line Car Insurance Offer

  • Compensation if you are hit by a driver that is uninsured and the accident is not your fault – Direct Line is one of the first car insurance companies to recognise that this is a growing problem within the UK. They offer, as part of your policy, a system whereby you are able to claim for being hit by an uninsured driver and you will not lose your no claims bonus. There are conditions however, these are: you should ensure that you get the registration number of the car that hit you and also the make and model, if possible the drivers details (don’t worry about this point), many uninsured drivers are happy to pass their details on after an accident as they think they will get away with it anyway.
  • Compensation for vandalism to your car – Again, this is an innovative extra that you can get from Direct Line, I actually don’t know of any other company that offers this service. If you are a victim of vandalism to your vehicle you can claim for the damage and, here is the best bit, this cover comes as standard and will not affect your no claims discount. Not only that, if you use one of Direct Line’s preferred repairers, they will make sure that your vehicle is cleaned from top to bottom, inside and out! Be aware however, that certain conditions do apply, you will need to make sure that you have reported the incident to the police and can prove it and that the damage was not caused by another car, this of course would be dealt with on a different part of your car insurance policy.

Direct Line have recognised that people want value for money as well as great car insurance policies so you will find that they offer a huge range of discounts on all types of car insurance policies. Here are some of them:

No Claims Discount for Company Cars

If you are a new customer to Direct Line and have recently given up a company car that you have not had to make a claim on, Direct Line will offer you a discount on up to 5 years of no claims discount, this is available on any type of car insurance policy that you take up with Direct Line. However, you will need to prove that you were the sole driver of the company car in question….not much to ask if you want my opinion, 5 years no claims discount can amount to an awful lot of money.

Discount on Multi-Car Policies

Many car insurance companies charge you extra for registering an additional car insurance policy with them, not Direct Line; they actually save you money if you take out a car insurance policy on more than one vehicle with them. You will receive a discount of 10% on the 1st year and 5% for each year that you renew thereafter. I doubt there is another company in the UK that can offer this. Conditions do apply but they don’t exactly ask for your shoe size! All you need to do is make sure that you can give the company the number of your current agreement, it’s that simple.

Other discounts available when it comes to multi-car insurance policies are breakdown cover; you can save up to an amazing 35% on breakdown cover with Direct Line when you have a multi-car policy. If you are new to the company you are not penalised for being a “newbie” you also can save up to 25% when including breakdown cover on your car insurance policy.

Pass Plus

This will interest all of you that have recently passed your driving test. Many people in their late teens or early to mid 20’s are considered to be a huge risk by most car insurance companies. The reason behind this is obvious, the statistics show that if you are in this bracket of driver that you are far more likely to have an accident than any other bracket of driver. We have to recognise that insurance companies need to make a profit in order to continually offer a service to their customers.

Direct Line have gone one better with this car insurance policy. Basically, if you have passed your test in less than one year you will be given a 5% discount on any car insurance policy you take out with them. Do bear in mind however, that you will be better off going for a fully comprehensive policy – this isn’t something that Direct Line advise it’s just that I was once in my late teens and driving was a new hobby to me…..believe me, I remember some of the scrapes I got into because I was just too over excited about being able to drive without an instructor constantly nagging at me!

Other Great Discounts to be had from Direct Line

Direct Line is very clever when it comes to ensuring that they gain as much business from each customer as possible. If you know Direct Line, you will be aware that they are not limited to offering insurance just for cars. If you happen to have an insurance policy with them which covers something other than your vehicle you can gain discounts on any new car insurance policies you take out with them. All you need to do is ensure that you can produce the policy you currently have with them and they will give you up to 10% on any new car insurance policy you take out.

Just so you know What Comprehensive Cover is from Direct Line

Listed below is what you will get with a comprehensive car insurance policy with Direct Line:

  • Protection from uninsured drivers if the accident is their fault.
  • Claims discounts for named drivers.
  • Protection if you should be the victim of vandalism that will not affect your no claims discount.

These are just a few of the extras that you get with a fully comprehensive car insurance policy with Direct Line.

A Quick Explanation on How Multi-Car Insurance Policies Work

Some of you may be unaware of how multi-car insurance policies work. The type of policy is fairly new to the market place and Direct Line have been pioneers in bringing this type of policy to it’s new and existing customers.

You may think that to have a multi-car insurance policy you will have to be related to the other people that are included. This is not the case; all you need to ensure is that you all live at the same address. I happen to think that this is a fantastic idea. For all of you students out there that are living on a shoe string but still need to make sure that your vehicle (if you’re lucky enough to have one) is properly insured can club together and make huge savings with the multi-car insurance policies that Direct Line offer.

In Conclusion

I happen to be a customer of Direct Line and I have to say that when it comes to customer service, they are second to none. The staff are knowledgeable about the car insurance policies they have on offer and you do not get the hard sell. After all, there isn’t any need for them to go chasing customers, thousands of people sign up with them every day.

If you are looking for a great car insurance company that have a huge range of policies that have been tailored to suit everyone, you will not go far wrong with Direct Line. It’s not all about discounts, although that does help, you need make sure that the insurance company is 100% behind you if you run into trouble. Direct Line will not hamper you with red tape and excuses on why they should not pay out. If your claim is genuine and fits all of the criteria within your policy, they will pay…simple!

Direct Line has been in business for a long while now and they are definitely here to stay.

AA Car Insurance Review

AA is possibly one of the oldest car insurance companies in the UK. I don’t know of anyone who does not know about the AA. They are masters in their field when it comes to car insurance. They currently have millions of people that are members of the AA and many of those people have been with the company for a number of years now. If you are in the market for car insurance, you should most definitely check out the AA. Their customer service is outstanding and the systems they have in place to make sure that you get the best from your car insurance policy are some of the best you will find in the UK.

Reasons to back up why you should use AA Car Insurance

  • Defaqto awarded the AA a 5 star rating when it comes to the car insurance policies that they offer. This is one of the highest awards you can receive as a car insurance company. This award alone proves that the service AA offer is amongst the best in the UK.
  • When you take out a car insurance policy with the AA, they have a rewards system for their members. If you like statistics, get this one….the AA’s reward system saved their members over £4.5 million in the year of 2010!
  • If you are a new customer to the AA and are thinking about taking a car insurance policy out with them then you will be offered 1 year free on their breakdown cover; this alone can save you a fair few hundreds of pounds.
  • You can be safe in the knowledge that the AA know what they’re doing when it comes to car insurance; here’s another statistic for you….they have had over 5 million new car insurance policies taken out with them in the past 5 years!
  • If you are already a member of the AA then you probably know this already but for those of you that don’t did you know that you can get up to £500 to cover your personal belongings in you car. This is double what is offered with their standard car insurance policies.

AA and their Drive Safe System

I happen to think that this is a really fantastic idea. Get this; when you take out a car insurance policy with the AA and you opt to join up to the drive safe system, the AA will install a box into your car. This box measures how safely you drive. The safer you drive, the more points you earn. The more points you earn the more discounts you will receive throughout the year of your policy. Not only that but if you opt to join this system when you take out a new car insurance policy you will also receive a discount when you sign up.

Who can join the Drive Safe System?

That’s easy….anyone! For all parents out there that have children that have just passed their test and now allowed to be left to their own devices when out on the road; why not join them up to this scheme. It will not only teach them how important it is to drive safely but it will also give you as the parent more piece of mind when they are out in their car. This system is also especially useful for people that are currently paying higher premiums due to driving convictions or the fact that they just keep bashing up their car.

What you get with Drive Safe

When you join up to this system you will benefit from the following:

  • Of course you will save money and be able to get the premium rate you currently pay down to a reasonable level if you are paying more than you should for the reasons given above.
  • An anti-theft tracker will also be installed at the same time as the box and this will not cost you a penny.
  • With the box, you will also get a monitor that sits on your dashboard so you know how safely you are driving.
  • A claim line that is available to you 24 hours per day 7 days a week.
  • If you need repairs doing to your car, the AA will provide you with a replacement vehicle until your own car is ready.

I have mentioned this system first in this article as, in my opinion this is one of the most innovative ideas I have come across when looking for car insurance. The AA have managed to combine the fact that they want less people claiming on their policies, ensure that you as the customer save money and also educate people on how to drive more safely.

Now, onto the other car insurance policies that you can get with the AA; the AA is one of the few companies in the UK that still offer Third Party car insurance. If you decide on this type of car insurance policy you will expect to get the following:

  • A 24 hour hotline that is available 365 days per year so if you need to make a claim, you don’t have to worry about when you can call.
  • Protection from damage to your car if someone decides that it might be a good idea to run their key over your nice paint work.
  • Costs will be covered for any medical treatment that you might need due to an accident.
  • If you have a car sharing scheme then you this type of insurance policy will cover you.
  • No Claims Discount – of course!
  • If you want to travel abroad the AA will cover you for 90 days, however this is only if you are in Europe.
  • Your car will be covered by your insurance policy if you leave it in the hands of another professional such as a mechanic or hotel employee that parks your car for you.

The 2nd type of car insurance policy that you can purchase from the AA is Third Party Fire and Theft. The benefits you can expect to get with this policy are as follows:

  • Everything that you get with a Third Party car insurance policy.
  • Damage caused by theft or fire (otherwise what would be the point of the title of the policy)!
  • The AA will replace your keys and locks for you but this is limited to £1,000 and only comes into play if you need them replacing due to fire or theft. If you go for this type of car insurance, don’t lose your keys.
  • If you have a child’s seat, the AA will replace it for you but again this is only if you need it replacing due to fire or theft.

Lastly, the 3rd car insurance policy that you can have with the AA is fully comprehensive. Ok, this will cost you a bit more, nevertheless, with things the way they are on the road today, this is the one I would go for. The benefits you get with this type of car insurance are as follows:

  • Everything you get with their 3rd Party and Third Party Fire and Theft policies.
  • Accidental damage to you car is covered by this insurance policy.
  • If you need repairs doing to your car and you use one of the AA’s approved repairers, they will provide you with a courtesy car.
  • If you need any windows, windscreen or sunroof replacing, you will be covered for this and it won’t affect your No Claims Discount.
  • Your personal belongings are protected up to the value of £250, except if you are and AA member in which case you will receive double that amount.
  • If you have a trailer, this will also be protected under your car insurance policy. The limit here is £500 for a single axle trailer.
  • You will receive up to £5,000 worth of compensation should you are your partner be injured or die in an accident. Be aware here, that should you become an AA member, this amount rises to £7,500.
  • Medical expenses are also covered up to the value of £400 for non AA members, for AA members this raises to £500.
  • The AA will provide you with overnight accommodation or transport to your destination; this is limited to £300 per person or a maximum of £500 for everyone that is travelling.

The above information is a lot to take in; however, I have tried to explain it as clearly as possible. Not everything that the AA has to offer with their car insurance policies has been included. If I did include everything, you would still be reading this in another 12 hours from now….that or you would fall asleep!

I think the AA is one of the best car insurance companies to be found in the UK. Believe me, you will not far wrong with a car insurance policy from them.

Breakdown Insurance

When we take out car insurance policies many of us do not take into account that we may need help if we breakdown when we’re out on the road. One of the most annoying things that can happen is that you get up on a frosty morning, already a tad late for work only to find that your car won’t start! This is where breakdown insurance comes in and many companies offer this as part of a fully comprehensive car insurance policy.

Why you should Have Breakdown Insurance

For you ladies out there, bear in mind that if you happen to be driving alone that breakdown insurance is of the utmost importance. It doesn’t matter which way you look at, if you have to abandon your car on the motorway slip road, you are much more at risk than your male counterparts of being a victim of crime. Sorry to say this, but it’s a fact. Many breakdown insurance policies have clauses that are specific to the needs of women drivers and pledge to be with you in less than 40 minutes when you break down. For those of you that are male, breakdown insurance is especially useful because when you breakdown this is more likely to happen when you are on the way to an important business meeting or God forbid your wife or partner has just gone into labour and you need to be at the hospital pronto

Who is the Best When it comes to Breakdown Insurance?

This question is a hard one to answer, there are a multitude of companies out there that offer great breakdown insurance, some of the companies that come out top are listed below:

RAC – This Company is the 2nd largest in the UK when it comes to breakdown insurance, they are not the cheapest but you will not find a bad word to be said about them. One of the great things you get with their breakdown insurance is a mobile locator; this means that if you don’t know where you are then the mechanic can locate you using your mobile phone signal. There are not many other companies that specialise in breakdown insurance that can boast this type of system. You will also get roadside assistance and they pledge to be with you within 40 minutes of you making the call. All of their staff wear company issued uniforms and have ID, so there is no need to worry that some undesirable individual has decided to stop and offer bogus help.

AA – This is one of the oldest breakdown insurance companies in the UK today. There breakdown insurance is pretty much the same as RAC however; you will find cheaper prices and more discounts to be had with them. One thing that this breakdown insurance company can boast is that they fix more vehicles roadside than any other company in the UK. The other statistic worth noting here is that almost 95% of members of the AA say they would recommend their service to a friend. This is possibly why you do not often see televised advertising campaigns for the AA, they simply don’t need to.

Green Flag – Although much younger than the RAC or the AA, Green Flag are still a great choice when you are looking for breakdown insurance for your car. They are doing their best to break into the breakdown insurance market to the point where they say that they will beat any quote that you receive from either the AA or RAC when it comes to the time for you to renew your policy. Not only that, they also offer a callout service which is available 365 days a year 24 hours a day, this means that even on Christmas Day you will be able to get your vehicle going again within the hour and make that all important turkey dinner.

Does Breakdown Insurance come as a Car Insurance Package?

Many breakdown insurance companies offer these types of policies as a stand alone product. The reason behind this is that there are many different levels of breakdown insurance cover. You can take out the most basic packages that include roadside assistance and this will cover you nationally, or there are more complicated policies that will cover you for the following:

  • Some of the larger companies will offer to put you up in a hotel if they cannot repair your car by the roadside. This of course is one of the highest premium types of breakdown insurance and will cost you more but if you are someone that is on the road a lot of the time it would be well worth you taking a look at including this type of cover with your breakdown insurance.
  • If your car, motorbike or caravan requires parts this can also be part of your breakdown insurance policy.
  • No callout charges are also an option with breakdown insurance.
  • Of course no claims discount is a must and this is offered as standard with most, if not all breakdown insurance policies.
  • If you use the preferred garages for repairs with the company you have decided to take your breakdown insurance out with, they will cover the repairs under your policy.
  • If you happen to be someone that drives regularly from the UK to Europe, you will find a breakdown insurance policy to suit you.

These are just a few of the options that are open to you when looking for breakdown insurance, some companies will even tailor the policy to suit your own needs. This is especially useful if you are someone that is “outside of the box” when it comes to standard breakdown insurance.

This said there are companies that only offer breakdown insurance as part of the fully comprehensive car insurance package; More Than is one particular company that works in this way. If you want my opinion, only go for this if you need the most basic breakdown insurance. If you need a policy that is more complicated it would be cheaper for you to take out a separate policy and it will also make it clearer to you exactly what you are covered for.

In Conclusion

I cannot stress enough here how important it is that you have some form of breakdown insurance cover. We rely more heavily on our vehicles than we think. You only realise this when your car does actually break down. Standing in the pouring rain with the wind whipping about your legs, whilst you wait for a friend or family member to come and pick you up is no fun, believe me, I know! The other thing that can be real nuisance if you find yourself in this situation is that you will more than likely have to leave you vehicle behind. This means that you may be without your car for some days.

If you have breakdown insurance, you can be back on the road within the hour, imagine how annoying it would be to have to leave your car behind only to discover that it was a flat battery that was causing the problem. If you have breakdown insurance it would take any mechanic minutes to sort this problem out for you. You may think that you could do without the added expense but think about it….someone has to come and pick you up, you can’t get to work because your car is stranded on the motorway or down some country lane. You then have to pay a towing company so that you can get your car to a garage and after all of that you find that you are charged premium labour rates just for someone to charge the battery on your car.

How many hundreds of pounds are you out of pocket so far? No, breakdown insurance is definitely worth having and it’s possible for you to find reputable firms that offer breakdown insurance policies at very reasonable rates. Don’t forget that you can also use price comparison websites to help you find the best quotes out there. If you decide to go down this route, make sure that you also take the best price you find to any companies that do not subscribe to price comparison websites, you never know, you might find an even cheaper price!

All in all, this article has been written to give you an idea of the sort of breakdown insurance that is available in the UK market place at the moment and also to give you an idea of why it is so important to have breakdown insurance. When you are out on the road it can be a potentially dangerous place to be and if you have the proper cover, there will be no need for you to worry about it if you do breakdown. Of course, you may be one of the lucky few that don’t have to make a claim against your breakdown insurance in which case, enjoy the no claims discounts!

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!

 

Pet Insurance Review

If you have pets then this article is going to be especially useful to you. I happen to have 2 cats that have been a part of my life since they were 4 weeks old and they are now 17 going on 18 years old. Anyone who has pets that are lucky enough for them to reach their twilight years will know how expensive it can be to keep them fit and healthy. I only wish that I had taken out pet insurance at an earlier stage. Let me give you an example of my monthly outgoings based on what my 2 wonderful girls need in order for them to still be happy in life.

They both now have kidney problems, this is very common in both cats and dogs, it costs me just over £20 every 28 days to buy the kidney pills that they require so that they are not constantly vomiting everywhere (more on that in a minute). They also need a special diet of food that helps keep their kidneys functioning, this costs £15 per 1.5 Kilo a bag and as there are 2 of them I can get through 2 bags each month. On top of this I spend £7.50 for a tube of something called “engergel”, this ensures that their livers are in tip top condition (both have had problems in this area). If you add to this the cost of the amount of kitchen roll and anti-bacterial cleanser I can get through in a month due to the vomiting (especially in the summer months), it all starts to add up.

This is where pet insurance comes in, if you add up what I have already spoken about, we are talking almost £60 per month just on food and prescription items that both of my cats need so that they have quality of life. This doesn’t include the odd visit to the vet for a blood test to make sure that they are healthy or the odd overnights stay when they get really ill. This can cost in excess of £80 each time! I dare not even tell you how much this adds up to over a 12 month period.

Now you have some background information on how much pets can cost you as they get older. If you have pets, don’t do what I did (incidentally pet insurance wasn’t really around when I first got my cats), if it was then it was really expensive to get. Start early and get yourself some pet insurance. Many companies that deal in all types of insurance have now realised that they can also help when it comes to your pets. I know at the beginning of this article I explained the cost implications when it comes to your pets being older, however, they cost you money all through their lives. When they are young, they need to be vaccinated and neutered (if you are a responsible parent of course)!

One company that appears to have been a pioneer in the area of pet insurance is More Than, anyone who has not seen the ad with the Morgan Freeman voice over must not have a television, their pet insurance policies, in my opinion are 2nd to none. Here are some of the benefits you will receive with a pet insurance policy with More Than:

  • They will beat any quote that you receive when it comes to the time when you need to renew your pet insurance policy.
  • You can have a policy that will cost you as little as £7.00 per month.
  • The pet insurance that you receive covers all vet bills up to £7,000.
  • It will not matter how old you dog or cat is, you can start to insure them from the minute they are 8 weeks old until (God forbid) they die.
  • You will receive a 24 hour 7 day a week vet hotline service, so if you are worried there will be someone on the end of the phone to help, not matter what time of day it is.
  • You can also receive up to £600 towards advertising costs should your pet go missing, this can be a harrowing time for anyone that has a pet and knowing that you have this to fall back on with your pet insurance policy is a real bonus.
  • If you want to take your pet abroad, be aware that not many companies offer insurance for this, More Than do. Funnily enough they cover both cats and dogs for this. Your pet will be insured just like a human being so if he or she should need medical treatment whilst you are on holiday, you will not be hit with a massive bill.

The reason that I have mentioned the benefits that you will receive with a More Than pet insurance policy is that cheapest is not always best. We in the UK are well known for our love of animals and we tend to go that extra mile when taking care of our pets. Make sure that when you are looking for a pet insurance policy that you check exactly what you will receive for the money you are spending. The last thing you need is to book your pet in for an expensive operation only to find that your pet insurance policy will not cover you for it.

One of the pitfalls that you can come up against is that should your pet be diagnosed with an ongoing health issue such as cancer or kidney and liver problems, many pet insurance policies will only cover the treatment they require for the first 12 months. This can be a huge problem to you; many dogs and cats can live for a long time with an ongoing health issue with the right treatment. If your pet does have an ongoing health issue and it is diagnosed early on in life you will more than likely need to be covered for a number of years….make sure that you check this out before signing on the dotted line!

I have only mentioned More Than as a pet insurance option in this article; however, there are many large insurance companies out there that offer great pet insurance policies. I have used More Than purely as an example so that you can get an idea of what sort of cover is available for your pet. Do bear in mind however that this company will only cover cats or dogs.

If you happen to have an exotic pet such as a reptile, spider or any other animal that falls into this bracket, do not despair, there are pet insurance policies out there for you too. Many companies will take on an exotic pet and the type of cover you will receive is much the same as that for a cat or dog. Except for the fact that should you wish to take you exotic pet on holiday with you, I doubt you would find any company that would cover this…..be sensible, ask a friend to look after he or she for you instead!

Whatever type of pet you may have you’ll find a pet insurance policy to suit you. If you are someone who truly loves animals and likes to help out with donations to charity from time to time, why not check out the pet insurance policies that the RSPCA have to offer. When you take out a pet insurance policy with them, part of your premium will go towards helping the charity, a bit like killing 2 birds with 1 stone (sorry for the pun, no offense intended). Some of the benefits you will get with a pet insurance policy from the RSPCA other than helping the charity of course are as follows:

  • All of your vet fees will be covered.
  • Help with finding pets that are lost or stolen.
  • Help with accommodation costs should you, as the owner become ill and are not able to take care of your pet.

In Conclusion

Did you know that in the UK pet insurance is now more important to us than our own health insurance; research which has recently been undertaken has shown that up to 45% of pet owners will take out a pet insurance policy instead of a policy that will protect themselves from any health issues? We, in the UK are so besotted with our animals that we will give up on luxuries such as holidays, gym memberships and even alcohol and cigarettes in order to make those monthly payments on our pet insurance policies. I happen to the think that the latter of these will actually help to ensure that we as humans won’t actually need a health insurance policy for ourselves.

As mentioned at the beginning of this article, I didn’t take out pet insurance until my 2 girls where much older. Don’t make the same mistake as me; take a look at pet insurance today.

Home Insurance Review

Home insurance is possibly one of the most important insurance policies you will take out. As they say “a man’s home is his castle”. If you are not insured when it comes to your home, this can potentially be a complete disaster for you and in some extreme cases can even bankrupt you! You don’t need to end up in a situation like this, just make sure that you get a decent home insurance policy that will protect you, your family, your belongings and your house from anything that might go wrong.

How to Start Looking for a Home Insurance Policy

One way in which you can start looking for a home insurance policy is when you either take out a mortgage or buy a property outright; take the advice of the mortgage lender or the estate agent you have made your purchase with. These companies often have systems in place that mean that they receive a commission for inviting you to take a home insurance policy with certain companies. Of course, with mortgage lenders, it is in their interest to make sure that you have the correct home insurance policy in place, remember, they have a vested interest in your home too.

The other way you can set about looking for a home insurance policy is to turn to the internet, there are many price comparison websites you can use to get the best price possible for your home insurance policy, you will also find that on some of these websites you can enter any special requirements you might have when it comes to insuring your home. Do however, make sure that you don’t stop there with your research, there are a lot of companies that do not use price comparison websites and you might be able to better the price you have already found.

Some of the Best Companies that Offer Home Insurance

Direct Line – This Company will not be found on price comparison websites and they are proud of that fact. They have a wide range of home insurance policies that will suit just about everyone. As standard, Direct Line offers the following with their home insurance policies:

  • Contents cover up to £50,000.
  • Personal possessions insurance up to £50,000.

Direct line offer 2 types of home insurance plans, home insurance and home insurance plus. Between them Direct Line offers the following:

  • Buildings cover.
  • Alternative accommodation.
  • Accidental Damage.
  • Family Legal Protection.
  • Home Emergency cover.
  • Cycle Cover.
  • Online and identity fraud (this is really useful to have these days, we all use the internet for shopping or online banking to a certain degree and theft of your identity is big business).

All in all, the home insurance you will get with this company will cover just about anything you need.

More Than – This company has some really comprehensive home insurance policies available and at great rates. They promise to beat any quote that you may have when it is time for you to renew your home insurance policy, however, do not compromise on service. One of the first things you are faced with when looking at their website is the fact that they will offer you a saving of around £130 on your contents insurance. There are many benefits that come with More Than and their home insurance policies, here are some of them:

  • They pay for replacement keys and locks on your home if they are lost or stolen.
  • Garden cover (I think this a great idea), this is available as standard and will cover your plants and trees to the value of £2,000. You will also benefit from cover on your garden furniture, kids toys and your barbeque.
  • Have you ever tried calling up an insurance company either to make a claim or find our more about the service they offer? If the answer is yes then, like me, you are more than likely fed up with not getting the same person twice. More Than will allocate a dedicated manager to your account, another great idea. At last, a company that recognises the fact us, the public and their customers need some continuity when dealing with them.

You should also know that his company has been awarded the best online contents and home insurance award for the last 2 years on the trot. Another plus when you are looking for a home insurance company you can trust.

You may not know but many banks have now started to offer home insurance in the UK, so whoever you bank with, it might be worth asking the question.

Above are just a couple of examples that I thought you should know about when it comes to home insurance, in my opinion the 2 that I have mentioned are the best on the market at the moment.

What Do I Do if I have a Specialist Item in my Home that needs to be insured?

That’s an easy one, tonnes of home insurance companies recognise that you may have belongings that are very dear to you but are not the run of the mill objects. Maybe you have a Grand Piano that has been passed down through the generations or you might have a grandfather clock that dates back to the 1700’s. All you have to do is make sure that the home insurance policy that you take out will cover these items. In some cases (depending on the value of the item in question) you may be asked to take out a separate policy for this item on it’s own as it will be treated differently to anything else you have covered on your standard home insurance policy.

What do I do if I live in a Flood Alert Area?

This is a question that sits on many peoples lips these days. In recent years the UK has suffered some of the worst flooding in decades. Initially, home insurance companies reacted with panic as they suddenly had hundreds more people claiming for water damage in their homes. Things, thankfully, have now settled down a little bit and the powers that be within home insurance companies have had time to re-evaluate how they treat this sort of problem. In the beginning it was very difficult to get home insurance (if you could even get insured at all) however, there are now policies available that will protect your home and it’s belongings from water damage. Make sure that whoever you decide to take your home insurance policy out with does in fact cover water damage or flooding.

A Couple of Pitfalls to Look Out For

One potential pitfall you can come across when taking out a new home insurance policy are clauses that are included in the contract that may not be clear to you. For instance, there have been many times when people have put in a claim because that 100 year old oak tree came crashing through the roof of their house due to an unexpected storm. When making the claim, they are told that “sorry, we cannot pay out as this was an act of God”. Not very fair is it, how are you supposed to know what is considered to be a “hand of God” and what isn’t. After all, that’s what Maradona refers to his hand as and I bet he hasn’t had any trouble getting insurance!

Make sure that you check with your chosen home insurance company what they consider to be this type of incident and what they will not cover. It’s just as important to know what the insurance company will NOT pay for as it is to know what they will pay for.

In Conclusion

Finding home insurance does not have to be a major headache, as mentioned there a loads of home insurance companies to choose from but as I have already said, price comparison websites can help take some of the hassle out of finding the right company. Also, try talking to your friends or even ask at work which company the business you work for has their insurance with. The chances are that whoever they use will offer home insurance as well.

Above all, make sure you have ALL of the cover you need when it comes to home insurance, it’s relatively cheap to obtain a decent policy these days. Home insurance is a very competitive market place and that can only be good for us consumers. In my opinion, take more cover than you are ever likely to need, that way you are covered for just about any eventuality.

If you have read this far and still think that home insurance is bottom of the list when ensuring that you are protected from any accidents that may occur in the home, think again. Even something as small as a leaking pipe can cause and inordinate amount of damage in the home and the last thing you need is to have to pay for your own repairs.

NatWest Car Insurance Review

If you are looking for car insurance and happen to bank with NatWest, you’re in luck. Many banks have recognised that they can offer other services than just keeping you money safe and, in today’s economic climate they have had to look for other ways in which they can make a bit of cash for themselves. NatWest is now possibly one of the oldest banks in the UK and the fact that they have managed to pretty much stay out of the news when the media decide to start to pick on the banking world is testament to the fact that they know what they’re doing.
You may, at this point be thinking that “putting all of your eggs in one basket” is not such a good thing at the moment, however, if you are currently a customer with NatWest then it’s worth looking at the benefits they can offer you with car insurance. After all, a bank account and a car insurance policy is hardly keeping everything in one place now is it? By the way, if you’re not currently a customer with NatWest you’re not excluded, you can take out a car insurance policy with them and reap the benefits because you are a new customer. The aim of the game for this bank is to have as many customers as possible in order for them to be able to continue to give the excellent service they have been offering for many years now.
So, what do you get with a NatWest car insurance policy; the answer? Plenty, in fact more than enough to ensure that you will be well looked after if you run into any trouble when you are on the road and, at competitive prices too. Here are some of the benefits you can expect to receive when you take out a car insurance policy with NatWest:
• Recovery for uninsured drivers – This is a massive problem in the UK, largely due to the fact that there are many people that use the roads but don’t understand that they need to be insured as a legal requirement. That said there are also plenty of undesirables that think that they can just get away without paying for insurance.

 

Companies such as NatWest have recognised that this is an issue and now offer, as standard, protection from these people. If you are hit or are in an accident with someone who is not insured, a NatWest car insurance policy will make sure that you do not lose your no claims discount. It doesn’t stop there; they will also make sure that you are covered for up to £100,000 should you need to make a claim for personal injury (that’s an article for another day)! Do bear in mind however; that you need to be under a fully comprehensive insurance policy and that the accident is not your fault. After all, how could NatWest make any money from their car insurance policies if everyone goes on the rampage and decides to seek out those that are not insured and start to ram them off the road!
• You and your partner or spouse can expect to receive up to £5,000 of personal cover if you are involved in a traffic accident. This is an amount that will cover pretty much most expenses when or if you have an accident and the fact that your partner is covered is an added bonus. For all those ladies out there that have “boy racers” in their lives; this part of the NatWest car insurance policy should make you feel a bit better about life when they zip out of the driveway in the mornings.
• If your car needs to go in for repairs due to and accident then if you use a repairer that has been approved by NatWest, you will receive a replacement vehicle for the duration of the repairs; not only that but you can expect to have your car collected from where ever it landed up and delivered back to your home address. Plus, those dear old mechanics will clean your car inside and out for you….no oily finger prints or stains on the carpets when you get your car back!
• If your windscreen or any of the windows on your car need replacing, this will be covered by a NatWest car insurance policy. However, this is only available if you have a fully comprehensive policy and you will still be liable for the excess.
• For those of you out there that like to drive so that you can blast out the latest tunes through your audio equipment and give the odd pensioner a near heart attack you will get cover for your audio equipment of up to £1,000 with a NatWest car insurance policy.
• If you need assistance at the roadside, NatWest can help with the car insurance policy that they offer. This part of their policy is completely optional and you will be looked after by Green Flag. Not only that, you’ll receive “mates rates” when it comes to using them.
• Should you need to make a claim then your NatWest car insurance policy will give you the ability to do this 365 days per year 24 hours per day.

 

So, if you happen to be in an accident on New Years Eve, you will still be able to start your claim with one simple phone call to their helpline.
For those of you that Already Bank with the NatWest
The information I have provided so far in this article has been for everyone, whether you bank with NatWest or not. However, if you’re already a customer then there are some extra benefits available if you take out a car insurance policy with them. Nothing like making you feel a bit special now is there? Listed below are some of the benefits that NatWest offers its existing customers:
• Currently, if you go to NatWest’s official website and apply online for a car insurance policy, you will receive a discount of 15% on your 1st year. Do be aware though that you have to enter a promotional code which the IT guys at NatWest have kindly put in bold on the website so that you don’t miss it.
• If you’re currently a customer with NatWest, you will know that they have different types of bank accounts; these are Silver, gold and black advantage accounts or, advantage private accounts. If you are lucky enough to be one those people that have this type of account then you can get an additional 10% off the 1st year when you take out a car insurance policy; this means that you can make a saving of up to 25%. Not many other car insurance companies can boast this and I’ll bet you would be hard pressed to find another bank that can!
• Perhaps you have home insurance with NatWest; you guys have not been left out either. If you take out a car insurance policy with them, they will give you a 10% discount on your 1st year.
• When it comes to no claims discounts you can expect to get up to 65% and if your are over the age of 50 this will rise to 70%….simply because those of you that are older are considered to be safer drivers.
These are just some of the benefits that you can expect to achieve when you take out a NatWest car insurance policy. If you thought that banks were not the way to go when taking out a car insurance policy then think again. NatWest have been offering these sorts of policies for sometime now and I don’t know of anyone that is not happy when it comes to the service that they offer. Ok, so if you have a bank account or home insurance policy then the benefits you receive out way those than if you don’t but that’s only fair isn’t it? At the end of the day, if you are current NatWest customer you wouldn’t be too happy if “newbie’s” where receiving the same sort of attention as you.
NatWest have also made it very easy for anyone to apply for a car insurance policy, you can get a quote online from their official website, or you can find them on many price comparison websites. If you prefer the personal touch then why not go to your local branch. For those of you that have little spare time to visit a branch then you can call them up; you will find their staff friendly and knowledgeable.
NatWest are not just helpful when it comes to banking, they are also helpful when it comes to a new car insurance policy. Why not give them a call today and see if they can beat your latest renewal quote? Whether you are a new customer or an existing customer NatWest will do what they can to make sure you get the right policy.

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