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Dave Healey - EzineArticles.com Expert Author
Hello, I'm Dave Healey and have been involved in specialist car insurance underwriting at Lloyds for over twenty years. Nowadays I devote my time to writing articles about the trends within the Car Insurance market and the UK General Insurance market.
[View Dave Healey's Extended Author Bio]
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- Classic Car Insurance - A Beginners Guide For New Classic Owners
[Insurance:Car-Auto] If you've just bought your first classic car you will need to consider not just where, but also how you are going to insure it. If you have not owned a classic car before it is important to realise that there are basic differences between what is known as a standard car insurance policy and the cover offered under one defined as classic, from a specialist car insurer.
- Avoid That Sinking Feeling When Placing Marine and Yacht Insurance
[Insurance:Watercraft] Although there is no official standard such as ISO within the yacht insurance industry to guarantee complete consistency across carriers, most policies have developed many common denominators. Hull, protection and indemnity, medical payments, personal effects, uninsured boater's liability, towing and emergency assistance and even pollution coverage have all become accepted as essential elements within a policy.
- How to Get Cheaper Car Insurance Without Reducing Your Coverage
[Insurance:Car-Auto] When you enter your details online and ask for a quote, the car insurance rating system returns a price for your coverage determined by the answers you give to the questions asked. This is exactly the same process as if you walked into a high street brokers or telephoned a company you found in say yellow pages. The difference online is that you are doing the work filling in the form or researching the market for yourself, saving the insurance company the cost of employing people to process your application.
- Selling Your Business - The Most Important Deal of Your Life
[Business] You've worked hard establishing and creating your business, often from scratch, into the viable commercial model that exists today. However there comes a time, for whatever reason, when you need to sell up and move on. It may be the last deal you make, but be prepared to do some serious work on this one as quite simply; it is the most important deal of your life.
- Five Ways to Protect Your Health and Wealth With Insurance Against Sickness
[Insurance:Health] If you are unfortunate enough to suffer an illness, sickness or an accident at any time in your life, the consequences can be far reaching and affect your lifestyle and family for perhaps months or years into the future. Primarily you will require immediate treatment and care for the accident or illness. You will also need to consider how to meet your financial commitments during a period of hospitalisation and recovery.
- Cheap Classic Car Insurance Cover
[Insurance:Car-Auto] Do you own a car which could be covered under a classic car insurance policy? If so, you would be wise to remember that these types of specialist cover which may initially appear cheap when getting a quote, could cause some unpleasant surprises when it comes to making a claim.
- Understanding Commercial Insurance Risks and Business Insurance Covers
[Insurance:Commercial] Commercial or business insurance risks can be confusing if you are just starting out in business. Because of the complexity of some of the commercial risks involved, it is advisable to visit a specialist commercial insurance broker or business risks advisor who will properly asses your individual company insurance needs.
- Specialist Car Insurance For Modified Vehicles
[Insurance:Car-Auto] If you have made the effort to make modifications to your car, you will need to seek out the services of a specialist car insurance company that will underwrite this risk. Most mainstream car insurance comparison websites will not cover modified vehicles, and if you intend to make any modifications ot your car, talk to your insurance company first.
- Finding Cheap Car Insurance Online
[Insurance:Car-Auto] Finding cheap car insurance online can be like looking for a pot of gold at the end of the rainbow. Everybody is looking to make savings on their annual motor insurance premiums as the recession bites. We offer seven proven money saving tips, that will help you purchase cheaper cover online.
- Classic Car Insurance For Young Drivers
[Insurance:Car-Auto] Many young people are buying and insuring cars which could now be classified as classics. Although classic car insurance schemes are widely renowned to be much cheaper than standard cover, even if offered to a young driver, they should be aware that many of these polices have limitations to the amount of time and distance that can be craven in the classic during any period of insurance. As young people tend to use their cars more in pursuit of their lifestyles, this type of policy may not be suitable for a young driver.
- Accident and Sickness Insurance For the Self Employed
[Insurance:Disability] If you are just starting out in business or have been self employed for some time you should consider protecting with Accident and Sickness insurance. Not just yourself, but you should protect your home and family against the possibility of you having an accident at work or home, or perhaps getting sick for a long time and not being able to work.
- Accident at Work Claims
[Insurance:Workers-Compensation] If you've been injured in an accident at work or injured while visiting someone at their place of work, you have a legal right to claim compensation for any damages or injury you may have suffered. However in order to do so, and your case will be made much easier with less input from yourself, if you follow certain established procedures immediately that you have the accident.
- Have You Been Mis-Sold Payment Protection Insurance?
[Insurance] If you took out a loan, mortgage or credit card from a bank, high street lender or building society in the UK in recent years, the chances are that you were mis-sold payment protection insurance. It is now easy to claim if you can satisfy certain conditions outlined here.
- Buying Car Insurance Quotes
[Insurance:Car-Auto] Buying car insurance quotes can be a minefield. Whoever you are, you need to consider how much you are going to have to find for extras such as insurance and breakdown cover, even before you start looking for a car to buy. You will then need to decide the best and cheapest way of paying for the cover, and find a company that offers not just the right policy for you, but also the right payment method!
- Understanding Payment Protection Insurance Cover
[Insurance] Payment protection is widely available these days to cover all forms of credit or borrowing. When comparing payment protection insurance plans it is necessary to find one that will cover all of your monthly outgoings. Many providers have different limits and it is important that you find one that will not leave you with a shortfall for repayments.
- How to Compare Car Insurance Quotes For Cheaper Cover
[Insurance:Car-Auto] When comparing car insurance, it is necessary not just to compare quote offerings from various sources but also extremely important to look at what is being offered as cover options for the premium price quoted. At the end of the day in the event of a claim, the price you pay for auto insurance is only as good as the claims service you will receive.
- Does Your Car Require Specialist Car Insurance and Repair Services?
[Insurance:Car-Auto] When choosing a car insurance policy it is wise to consider what is offered in the event of a claim. Although price is most peoples consideration when purchasing motor insurance, one of things you should not overlook is, who is going to repair your car if it is damaged? Specialist car insurance policies offer specialist claims repair services and if you own an unusual, expensive, classic car or performance motor, then it would be prudent to opt for a policy that includes these services.
- Understanding Car Insurance Excesses and Deductibles
[Insurance:Car-Auto] For new drivers especially, the terms excess and deductibles can be very confusing. In reality an excess is the amount you are always going to have to fork out regardless of what the insurer may pay out, in the event of any claim you make. You can however save a lot of money on your car insurance premiums if you take a higher voluntary excess.
- Specialist Car Insurance is the Answer If You Have Been Declined by a Comparison Website
[Insurance:Car-Auto] Nearly fifty percent of those of us who visit a car insurance comparison quote website fail to get offered a quote and many more, very few policies to compare. If you do not fit the standardised criteria for underwriting then you will be wasting your time attempting to get quoted on a comparison website. Specialist car insurance schemes offer an alternative.
- Caravan Insurance - Save Money by Visiting a Specialist Caravan Insurer
[Insurance:Car-Auto] Getting caravan insurance can be a daunting prospect for the un-initiated to the world of caravanning, especially understanding the difference between cover for static and touring caravans. Even for those of us with years of experience, we are probably paying too much for our annual caravan cover, either through inertia and not shopping around for a better deal, or through ignorance of the vast array of caravan insurance products that are available today from specialist companies, just a mouse click away on the Internet.
- Why Specialist Car Insurance is Cheaper For Older Drivers
[Insurance:Car-Auto] Unlike many other types of insurance, it is perceived by the underwriters through years of statistical analysis that your risk declines significantly as you get older and therefore people in this age group can be considered to be safer drivers. Consequently a specialist over 50's car insurance policy can often be cheaper than mainstream motor cover.
- How to Value a Classic Car For Insurance
[Insurance:Car-Auto] The cost of specialist classic car insurance polices is often determined by the sum insured or declared value. Unfortunately your opinion of the value of the car and that of the insuring company may differ widely. How do you value your classic car for insurance purposes?
- Car Insurance Legal Expenses Protection is Essential Coverage - See You in Court!
[Insurance:Car-Auto] Costs in a multi track court case involving a car accident in the UK that lasts a week, are on average for both parties in excess of one hundred thousand pounds. Even if you win you the judge may only award a proportion of costs in your favour. There are rules governing behaviour of both parties throughout the case which limit costs liability.
- Specialist Car Insurance Schemes Will Save Classic Car Owners a Fortune!
[Insurance:Car-Auto] You could be paying much less for your car insurance by switching to a specialist provider of classic car insurance. In certain circumstances, for example where your existing policy provider is charging you for unnecessary elements of insurance cover... you could save hundreds.
- Twelve Car Insurance Money Saving Tips For Much Cheaper Premiums
[Insurance:Car-Auto] It can be quite a daunting experience trying to purchase car insurance, and with the myriad of products and sales channels available today, it is often difficult to know where to start the process. It can be even more complicated when you start to look to reduce your premiums without sacrificing either your levels of cover or increasing your risk.
- What Exactly is Direct Car Insurance? And is it Cheaper?
[Insurance:Car-Auto] Most direct motor insurance companies are able to make savings in commission and data handling, which many do pass onto their customers in discounted premiums. However you decide to purchase your car insurance it should always be with what is right for your particular circumstances, in mind. You should always make comparative decisions on a like for like basis. If one policy being offered a few hundred cheaper than a competitor, you should check carefully the levels of cover in the small print, and compare the limits of indemnity.
- Car Insurance - Uninsured Drivers Cost You Money!
[Insurance:Car-Auto] Recent statistics from the Motor Insurance Bureau indicate the problem of driving without car insurance has not declined over the intervening years since its foundation, and show that the UK continues to have a very poor record, with one in every twenty cars on the road being driven without proper car insurance coverage. Breaking down the statistics further, reveals that the amount of damage caused by drivers without car insurance each year far exceeds the amount paid out in claims every year through the risk fund.
- Car Insurance - Do Not Invalidate Your Car Insurance by Car Sharing
[Insurance:Car-Auto] There is usually a clause or endorsement or wording within your policy documents which excludes driving for hire or reward. Check carefully the conditions of the policy wording and the exclusions. Make sure that the criterion of the policy offered is suitable for you.
- Understanding Car Insurance No Claims Discount and Bonus
[Insurance:Car-Auto] What are Car Insurance No Claims Discount or No Claims Bonus. Most certainly when you first take out car insurance it is highly unlikely that the concept of these discounts was not explained to you, as they are not applicable in the first year of a car insurance policy. Essentially the two terms are the same.
- Renewing Your Car Insurance Policy
[Insurance:Car-Auto] If you intend to renew with the same insurance company you are legally bound to inform this company of any alterations to the statement of fact that you originally made when you first took out the policy. Likewise you may wish to add or remove elements of cover from the current status of the car insurance policy, as your requirements may well have changed over the previous year.
- Car Insurance - Lending Your Car Could Land You in Jail
[Insurance:Car-Auto] How many times have you said to the wife, children or a friend 'take my car' and not thought any more of it? Even if it's just a short trip down the road to the shops, you and the person you lend your car to, may be breaking the law! Furthermore if the person you lend the car to, in turn lends the car to another, you will be held liable for any damages caused by the other party, whether you were aware of their use or not.
- Car Insurance - No Fault Accidents Can Cost You Dearly
[Insurance:Car-Auto] If your car insurance policy falls due for renewal during this period of determination of fault then it could cost you dear. Your policy record will be flagged as having had a claim and consequently, unless you can convince your Car Insurance Company otherwise, you will be charged additional premium, unless you have bought protected no claims bonus. This can be as much as a sixty percent increase in the previous year's premium if you had a good driving history with no claims in the previous three to five years, depending upon which car insurance company you are covered with.
- Classic Car Insurance - Change Your Lifestyle and Save Money
[Insurance:Car-Auto] Most specialist motor underwriters therefore appreciate that you may need a more tailored and flexible type of car insurance for a classic car, one that allows you to fit the policy around what is effectively your lifestyle risk. Your risk levels are calculated upon the way you use the classic car and the number of miles distance you cover in that car each year.
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