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	<title>Compare car, travel and more cheap insurance quotes &#187; Car Insurance</title>
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		<title>Advice from a Life Assurance Comparison Junky!</title>
		<link>http://www.bestbetinsurance.com/lifeinsurance/advice-from-a-life-assurance-comparison-junky/</link>
		<comments>http://www.bestbetinsurance.com/lifeinsurance/advice-from-a-life-assurance-comparison-junky/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 08:42:28 +0000</pubDate>
		<dc:creator>The Web Clinic</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Advice From]]></category>
		<category><![CDATA[Building Blocks]]></category>
		<category><![CDATA[Car Insurance]]></category>
		<category><![CDATA[Career Plans]]></category>
		<category><![CDATA[Couple Of Minutes]]></category>
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		<category><![CDATA[Freedom]]></category>
		<category><![CDATA[Getting A Life]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life Assurance]]></category>
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		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Own Business]]></category>
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		<description><![CDATA[I had worked for a number of large companies since embarking on my career and with only a short sabbatical to go travelling for a year my career plans were to stay working for the large corporate, taking advantage of the employee benefits these companies provide up until my retirement. However, I began to get [...]]]></description>
			<content:encoded><![CDATA[<p>I had worked for a number of large companies since embarking on my career and with only a short sabbatical to go travelling for a year my career plans were to stay working for the large corporate, taking advantage of the employee benefits these companies provide up until my retirement. However, I began to get bored by the mundanity of it all and began to feel that I could be happier if I were to try and make it on my own and set up my own business where I would answer to no one but myself. After a year or so of debating the issue with those close to me I decided to make the break and decided to hand my notice in and set up my business doing virtually the same as what I did before. I did try and take the best of what I knew with me and that was that no business would ever be able to cope out there unless it was financially stable.  With this in mind I set about putting the building blocks for this in place which, due to the internet, is much easier now that it would’ve been years ago. Simply logging onto the web and getting a<strong> <a rel="nofollow" href="http://lifeassurancecomparison.co.uk/" >life insurance comparison</a> </strong>can be done by everybody within a couple of minutes. The same is true for loans, car insurance and virtually every financial product and service one is ever likely to require. So my advice, speaking from the vantage point of someone who has gone it alone and has found the freedom that I was looking for, is to go ahead and do it yourself.</p>

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	<li><a href="http://www.bestbetinsurance.com/carinsurance/why-is-your-car-insurance-so-expensive/" title="Why Is Your Car Insurance So Expensive? (August 18, 2010)">Why Is Your Car Insurance So Expensive?</a> (0)</li>
	<li><a href="http://www.bestbetinsurance.com/dentalinsurance/what-you-need-to-know-when-getting-florida-dental-insurance/" title="What You Need To Know When Getting Florida Dental Insurance (January 16, 2010)">What You Need To Know When Getting Florida Dental Insurance</a> (0)</li>
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	<li><a href="http://www.bestbetinsurance.com/lifeinsurance/term-life-insurance-vs-permanent-life-insurance/" title="Term Life Insurance vs. Permanent Life Insurance (November 26, 2009)">Term Life Insurance vs. Permanent Life Insurance</a> (0)</li>
</ul>

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		<title>How to Avoid High Car Premiums</title>
		<link>http://www.bestbetinsurance.com/autoinsurance/how-to-avoid-high-car-premiums/</link>
		<comments>http://www.bestbetinsurance.com/autoinsurance/how-to-avoid-high-car-premiums/#comments</comments>
		<pubDate>Fri, 24 Jun 2011 18:42:52 +0000</pubDate>
		<dc:creator>Admin 3</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Accidents]]></category>
		<category><![CDATA[Auto Insurance Carriers]]></category>
		<category><![CDATA[Auto Insurance Premiums]]></category>
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		<guid isPermaLink="false">http://www.bestbetinsurance.com/?p=772</guid>
		<description><![CDATA[Most states require proof of car insurance, but it doesn’t have to cost you a fortune. By reducing your coverage, combining policies and increasing your deductible, you can see savings right away.  Consider the following tips when evaluating your auto insurance and avoiding high premiums.
Shop Around – If your current costs are high, shop [...]]]></description>
			<content:encoded><![CDATA[<p>Most states require proof of car insurance, but it doesn’t have to cost you a fortune. By reducing your coverage, combining policies and increasing your deductible, you can see savings right away.  Consider the following tips when evaluating your auto insurance and avoiding high premiums.</p>
<p><strong>Shop Around</strong> – If your current costs are high, shop for a new one online on sites like esurance.com or netquote.com. Competition is fierce, so you are likely to get a better deal. Fill out some forms/applications online to review quotes from several different providers. Don&#8217;t shop price alone, ask your friends and family for recommendations or contact your Independent Insurance Agent to shop your coverage each year. Companies are always adding discount opportunities and new endorsements to enhance their policies.</p>
<p><strong>Combine your Services</strong> – Carriers will reduce premiums if you combine insurance policies. Merge more than one vehicle or package your homeowners or renters insurance with the same carrier to qualify for a multi-policy discount. </p>
<p><strong>Safety First</strong> – One of the best ways to keep your premiums low is to reduce the points on your driving record. Reducing moving violations or accidents over a few years will ensure a lower rate.  You may also consider taking a defensive driving course or installing safety devices in your car for extra discounts. </p>
<p><strong>Increase Deductibles/Reduce Coverage</strong> &#8211; With higher deductibles, you can lower your premiums by 15%-40%. But, make sure you have enough money in savings to pay the high deductible if there is a claim. Or, if you have an older vehicle with a low market value or own your car outright, you may consider dropping comprehensive and collision coverage altogether.</p>
<p><strong>Get Discounted</strong> – Auto insurance carriers offer a variety of discounts. A markdown may be granted for a good driving record, students with good grades, low mileage, four-door cars and credit union membership. Even your occupation can reduce your auto insurance premiums.</p>
<p><em>This was a guest post by GoBankingRates.com, a site that provides daily updates on the latest <a href="http://www.gobankingrates.com/cd-rates/" >CD rates</a>, finance information and more.</em></p>

	<h4>Related posts</h4>
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	<li><a href="http://www.bestbetinsurance.com/carinsurance/why-is-your-car-insurance-so-expensive/" title="Why Is Your Car Insurance So Expensive? (August 18, 2010)">Why Is Your Car Insurance So Expensive?</a> (0)</li>
	<li><a href="http://www.bestbetinsurance.com/carinsurance/car-insurance-pricing-plans/" title="Car Insurance Pricing Plans (June 23, 2010)">Car Insurance Pricing Plans</a> (0)</li>
	<li><a href="http://www.bestbetinsurance.com/carinsurance/the-basics-of-car-insurance/" title="The Basics Of Car Insurance (November 19, 2009)">The Basics Of Car Insurance</a> (0)</li>
	<li><a href="http://www.bestbetinsurance.com/autoinsurance/getting-discounts-from-your-auto-insurance-company/" title="Getting Discounts From Your Auto Insurance Company (February 15, 2010)">Getting Discounts From Your Auto Insurance Company</a> (0)</li>
	<li><a href="http://www.bestbetinsurance.com/carinsurance/car-insurance-quote-things-to-know-to-get-very/" title="Car Insurance Quote &#8211; Things To Know To Get Very (June 18, 2010)">Car Insurance Quote &#8211; Things To Know To Get Very</a> (0)</li>
</ul>

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		<title>Travel Insurance  Insurance For The Over 65&#8217;s</title>
		<link>http://www.bestbetinsurance.com/travelinsurance/travel-insurance-insurance-for-the-over-65s/</link>
		<comments>http://www.bestbetinsurance.com/travelinsurance/travel-insurance-insurance-for-the-over-65s/#comments</comments>
		<pubDate>Fri, 03 Dec 2010 19:36:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Travel Insurance]]></category>
		<category><![CDATA[Animal Care]]></category>
		<category><![CDATA[Bulldog]]></category>
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		<category><![CDATA[Mintel]]></category>
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		<category><![CDATA[Neutering]]></category>
		<category><![CDATA[Pet Insurance]]></category>
		<category><![CDATA[Routine Treatments]]></category>
		<category><![CDATA[Serious Money]]></category>
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		<category><![CDATA[Vet]]></category>
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		<guid isPermaLink="false">http://www.bestbetinsurance.com/travelinsurance/travel-insurance-insurance-for-the-over-65s/</guid>
		<description><![CDATA[According to a survey published by Mintel, one in three pets needs an unexpected visit to the vet each year. This means that you are more likely to claim on your pet insurance than on a home &#038; contents policy or even your car insurance. 
The word unexpected is important here. If you are looking [...]]]></description>
			<content:encoded><![CDATA[<p>According to a survey published by Mintel, one in three pets needs an unexpected visit to the vet each year. This means that you are more likely to claim on your pet insurance than on a home &#038; contents policy or even your car insurance. </p>
<p>The word unexpected is important here. If you are looking for pet insurance to provide cover for routine treatments such as vaccinations or worming, forget it  policies that do that are as rare as hens&#8217; teeth! And you won&#8217;t find cover for elective treatments, such as neutering, either. This means that the most common reasons for visiting the vet are uninsurable. </p>
<p>But don&#8217;t forget it&#8217;s those unexpected visits that tend to be the expensive ones! Developments in animal care mean that more conditions can be effectively treated and costs of emergency care can be horrendous. A cat that argues with a car could cost 700, even more, to treat. After all, a series of X-rays could cost 400 and a MRI scan will put you back 1,000. If Buster the Bulldog tore a ligament that too can be treated  but the cost? Don&#8217;t expect change from 1,500! This is serious money! </p>
<p>Having appreciated that most reasons for a visit to the vet are uninsurable, what do we get for our money? </p>
<p>Well, insurance plans largely fall into three types. The first restricts the value of the claim for each condition or event; the second limits the total annual payout and the third and cheapest option, limits the payout per condition and ceases cover after 12 months of treatment. Most will make a payout if you pet dies. And with all policies you will have to pay an excess on any claim, usually between 50 and 100. </p>
<p>And the cost? That depends on which type of policy you want, the excess you want to pay, the sort of pet you have, its breed, its age and even your post-code (vets charge more in Chelsea). But as a guide, an industry estimate suggests costs between 30 and 200 per year for a cat and between 50 to 500 for Buster. </p>
<p>The best advice is start the insurance when your pet is young. Most pets can be insured after they&#8217;re 8 weeks old and you can then maintain the insurance over the course of its life. If your pet is in it&#8217;s middle age when you want to start the insurance, say eight or nine for a dog, then it may be difficult to get worthwhile cover. This is because treatments for existing health conditions will be excluded from the cover and in any case, a new policy at that age gets expensive. </p>
<p>So how can you lower the premiums? Sometime insurers will give you a discount if you pet has been identity chipped and quantity discounts do prevail! Discounts are widely available for your second and subsequent insured pet. </p>
<p>Then there&#8217;s always the Internet. The Internet is taking an increasing share of the insurance market and no wonder  its simple, quick and easy. What&#8217;s more it&#8217;s probably the cheapest avenue for all your insurance whether it be for your home, your car or pet.</p>

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</ul>

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		<title>Why Is Your Car Insurance So Expensive?</title>
		<link>http://www.bestbetinsurance.com/carinsurance/why-is-your-car-insurance-so-expensive/</link>
		<comments>http://www.bestbetinsurance.com/carinsurance/why-is-your-car-insurance-so-expensive/#comments</comments>
		<pubDate>Wed, 18 Aug 2010 09:28:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance]]></category>
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		<description><![CDATA[Although these days it&#8217;s pretty easy to arrange your car insurance online, comparing quotes at the click of a button and paying by credit card for instant cover, one ever present difficulty still remains: the high cost of insurance policies. The fact that having car insurance in place is both a legal requirement and a [...]]]></description>
			<content:encoded><![CDATA[<p>Although these days it&#8217;s pretty easy to arrange your car insurance online, comparing quotes at the click of a button and paying by credit card for instant cover, one ever present difficulty still remains: the high cost of insurance policies. The fact that having car insurance in place is both a legal requirement and a sensible idea doesn&#8217;t detract from the annoyance of having to pay what seems to be an exorbitant sum, and most of us would jump at the chance of reducing the bill.</p>
<p>To do this we need to know what factors insurance companies use when deciding how much our premiums will be.</p>
<p>Perhaps the most important influence on the level of your premium is your own history as a driver. If you&#8217;ve a history of having accidents, then naturally you&#8217;re a higher risk to the insurer and so they&#8217;ll charge you more. Worse, if you&#8217;ve been convicted of a motoring offence such as speeding or driving while under the influence, then your insurance will cost you even more &#8211; especially if your licence was withdrawn.</p>
<p>On the plus side, a history containing no black marks such as accidents will result in cheaper insurance as you build up a &#8216;no claims&#8217; discount over the years.</p>
<p>The next most important factor is what kind of car you&#8217;re trying to insure. Naturally, more expensive cars will cost more to replace, and so the insurance will cost you more too. This isn&#8217;t the whole story though, as other features such as engine size, the availability of cheap spares, and the difficulty of repair will have an influence too. Finally, some models of car are well known for being easier to break into or steal than others &#8211; the insurance companies are well aware of this and will adjust their quotes accordingly.</p>
<p>How you use your car will also affect the price you pay for cover. If you rarely drive and have a low annual mileage, then your premiums can be cut as you&#8217;re on the road for less time, and therefore have less chance of needing to make a claim. City drivers may also have to pay more compared to those who drive in quieter areas.</p>
<p>Where you keep your car is important too &#8211; if you have a secure parking area, preferably one that keeps your vehicle out of sight and under cover, then your risk is lowered, as will be your premiums. Cars that are regularly parked at the roadside are at a higher risk of being stolen or involved in collisions, and so will be more expensive to insure.</p>
<p>One final point to cover is that of how attractive your car is to thieves, and not just in the obvious way of how desirable your vehicle is! An expensive car with a good security system including an alarm and window etching etcetera will be more of a hassle for criminals to profit from, and so is less likely to be stolen than a cheaper car with little or no security. Also, a car featuring plenty of gadgets such as an expensive audio system or satellite navigation will attract greater interest from potential thieves.</p>
<p>So as we can see, even though car insurance is an expensive business, it&#8217;s not always as simple as it seems, and by looking at what insurers want in a &#8216;perfect&#8217; customer, you may be able to drive down your premiums.</p>

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	<li><a href="http://www.bestbetinsurance.com/carinsurance/online-car-insurance/" title="Online Car Insurance (December 19, 2009)">Online Car Insurance</a> (0)</li>
</ul>

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		<title>Why This Lawyer Says You Should Buy Car Insurance From</title>
		<link>http://www.bestbetinsurance.com/carinsurance/why-this-lawyer-says-you-should-buy-car-insurance-from/</link>
		<comments>http://www.bestbetinsurance.com/carinsurance/why-this-lawyer-says-you-should-buy-car-insurance-from/#comments</comments>
		<pubDate>Thu, 12 Aug 2010 19:56:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance]]></category>
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		<description><![CDATA[Why This Lawyer Says You Should Buy Car Insurance From An Independent Broker
I don&#8217;t sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent [...]]]></description>
			<content:encoded><![CDATA[<p>Why This Lawyer Says You Should Buy Car Insurance From An Independent Broker</p>
<p>I don&#8217;t sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker. </p>
<p>Many of my clients who have been seriously hurt in a car accident were struck by someone who had no insurance or only the minimum liability insurance coverage, which is $25,000 in New York and much less in many other states. Unfortunately, many of my clients were sold insurance policies with liability limits of $100,000 or $300,000, but were not sold matching uninsured and underinsured coverage. </p>
<p>Just this week, yet another new client had this problem. My client was a pedestrian crossing the street when she was struck by a car which fled the scene. The driver was caught shortly after leaving the accident, but the owner of the car only has the New York State minimum liability insurance of $25,000 and my client has serious injuries consisting of many broken bones including a fractured arm, leg and skull. </p>
<p>My client owns a car with liability insurance limits of $300,000, but she purchased the insurance from GEICO whose salesperson didn&#8217;t sell her underinsured coverage. GEICO does not use independent insurance brokers, but sells insurance directly to consumers through in-house sales agents. </p>
<p>For a small fee, my client could have purchased underinsured coverage of $300,000 which would have allowed her to recover $300,000 for her injuries instead of $25,000. Ironically, she did not need the $300,000 liability coverage to protect her assets. However, since you cannot buy underinsured coverage higher than your liability coverage, I would have advised her to purchase $300,000 liability coverage for the sole purpose of being able to purchase $300,000 underinsured coverage. </p>
<p>I have had many clients in this situation who lost their jobs because of serious injuries and incurred substantial debt. If they had matching underinsured coverage, the additional money available to pay their claim would would be a big help to pay their bills and get their life back together. </p>
<p>Underinsured motorist coverage will pay you money from your own automobile insurance policy if you have been hurt in a car accident by someone who was negligent for causing your injury and who had less liability insurance coverage than you did. Uninsured motorist coverage will pay you when the other car did not have any insurance coverage or the identity of the other car is unknown. </p>
<p>Underinsured and uninsured coverage is inexpensive and usually available in limits that match your liability insurance coverage. It is not available in amounts greater than your liability insurance coverage. </p>
<p>Underinsured and uninsured coverage is so important that a couple of states now require coverage limits matching your liability insurance limits, unless you decline the coverage in writing. Several years ago, I suggested to several New York State senators that they enact a similar law in New York. </p>
<p>I have also seen many clients who were not sold the maximum medical payments insurance, which costs me only $2.01 per month on my car insurance policy. This is particularly important for people who do not have a good health insurance policy. It is also beneficial for passengers who do not have health insurance. </p>
<p>Why should you buy car insurance through an independent insurance broker? The courts have defined the reason. There have been several &#8220;malpractice&#8221; lawsuits against insurance companies for failure to offer underinsured and uninsured motorists coverage limits matching the liability limits. However, when the insurance company sells directly to consumers, these cases have gone in favor of the insurance companies. The courts found that when a consumer buys insurance directly from an insurance company, rather than an insurance broker, the consumer is only buying insurance and is not paying for advice. </p>
<p>When you buy auto insurance from an independent insurance broker who represents several different insurance companies, you get the advantage of an insurance professional who can evaluate your needs and advise you accordingly. Additionally, only an independent insurance broker can provide you with a choice of insurance companies and premiums, so you get the best coverage at the lowest price. </p>
<p>Whether you buy your car insurance directly from an insurance company or through an independent insurance broker, always make sure that you purchase matching uninsured and underinsured motorist coverage and the maximum medical payment benefits.</p>

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	<li><a href="http://www.bestbetinsurance.com/homecontentsinsurance/what-is-a-good-home-insurance-policy/" title="What Is A Good Home Insurance Policy? (October 24, 2009)">What Is A Good Home Insurance Policy?</a> (0)</li>
	<li><a href="http://www.bestbetinsurance.com/carinsurance/new-jersey-car-insurance-online-what-you-need-to/" title="New Jersey Car Insurance Online  What You Need To (December 24, 2009)">New Jersey Car Insurance Online  What You Need To</a> (0)</li>
	<li><a href="http://www.bestbetinsurance.com/carinsurance/car-insurance-optional-legal-expense-cover-is-well-worth-the/" title="Car Insurance. Optional Legal Expense Cover Is Well Worth The (July 28, 2010)">Car Insurance. Optional Legal Expense Cover Is Well Worth The</a> (0)</li>
	<li><a href="http://www.bestbetinsurance.com/carinsurance/car-insurance-online-purchase-some-benefits-of-the-internet/" title="Car Insurance Online Purchase &#8211; Some Benefits Of The Internet (June 30, 2010)">Car Insurance Online Purchase &#8211; Some Benefits Of The Internet</a> (0)</li>
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		<title>Car Insurance. Bad Eyesight Threatens Your Insurance Cover.</title>
		<link>http://www.bestbetinsurance.com/carinsurance/car-insurance-bad-eyesight-threatens-your-insurance-cover/</link>
		<comments>http://www.bestbetinsurance.com/carinsurance/car-insurance-bad-eyesight-threatens-your-insurance-cover/#comments</comments>
		<pubDate>Tue, 03 Aug 2010 12:26:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance]]></category>
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		<guid isPermaLink="false">http://www.bestbetinsurance.com/carinsurance/car-insurance-bad-eyesight-threatens-your-insurance-cover/</guid>
		<description><![CDATA[If you have an accident and its found that youd failed to keep your car roadworthy, for example excessively worn tyres, and that was a contributory factor in the accident, your insurer will probably refuse to pay up. And the police may also show an interest too! Quite reasonable many of you will say. But [...]]]></description>
			<content:encoded><![CDATA[<p>If you have an accident and its found that youd failed to keep your car roadworthy, for example excessively worn tyres, and that was a contributory factor in the accident, your insurer will probably refuse to pay up. And the police may also show an interest too! Quite reasonable many of you will say. But what if its you thats un-roadworthy?</p>
<p>How many driving accidents are accompanied by the comment I didnt see the other vehicle? And what happens if the problem was your eyesight? Has it deteriorated to a dangerous extent?</p>
<p>Well all of us clearly know if we have an eyesight problem but there are opticians to help on every high street. Remember, if you need contact lenses or glasses for driving then you must wear them and if your eyesight deteriorates you should get a new prescription. Its the legal responsibility of all drivers to ensure that theyre safe to drive.</p>
<p>Only last week I drew up alongside an elderly driver who was clearly having trouble reading the junction signs. He was leaning forward trying to read the signs indicating towards Leeds and rolling forward at 10 mph  all this at traffic lights that by this time had turned red  and he clearly hadnt seen those! He was lucky that the cars coming across from the right saw him early. Im not even sure he saw them either!</p>
<p>The law is quite straightforward  it states that any driving licence holder who cannot meet the minimum level of eyesight must not drive. They are also required to surrender their licence.</p>
<p>The eyesight test for drivers states that you must be able to read a number plate containing letters and figures 50 mm wide and 79mm high (thats a legal number plate) from a distance of 20 meters. But you can use your driving glasses.</p>
<p>Having said that theres no legal obligation for you to have regular eyesight tests but you are required to tell the DVLA if you develop any medical problem that affects your fitness to drive. If you dont tell them, its a criminal offence.</p>
<p>In some American states drivers have to take an eye test every five years but not in the UK. Here, driver aged 70 and over must complete a medical form every three years confirming their fitness to drive and the definition of fitness includes eyesight. If theses drivers fail to send in their medical form, they lose their driving licence. (I wonder what that elderly gentleman at the traffic lights said on his?)</p>
<p>On the insurance front, if you are involved in an accident where your defective eyesight was a contributory factor, your insurance company may well argue that you were negligent and refuse to pay out. This could be simply because you needed glasses to drive but werent wearing them at the time.</p>
<p>So drive carefully, and keep your eyes peeled  elderly gentleman in Leeds please take note!</p>

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		<title>Car Insurance. It&#8217;s Getting Increasingly Expensive When You&#8217;re Elderly.</title>
		<link>http://www.bestbetinsurance.com/carinsurance/car-insurance-its-getting-increasingly-expensive-when-youre-elderly/</link>
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		<pubDate>Thu, 29 Jul 2010 13:31:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance]]></category>
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		<guid isPermaLink="false">http://www.bestbetinsurance.com/carinsurance/car-insurance-its-getting-increasingly-expensive-when-youre-elderly/</guid>
		<description><![CDATA[There were 550 serious accidents last year where the driver was over aged 70 and where driver was either killed or badly hurt, reports the Institute of Advanced Motoring . That statistic represents 8% of the national total of 7,035 similar accidents. That means that the over 70&#8217;s&#8217;s have more, very serious accidents per mile [...]]]></description>
			<content:encoded><![CDATA[<p>There were 550 serious accidents last year where the driver was over aged 70 and where driver was either killed or badly hurt, reports the Institute of Advanced Motoring . That statistic represents 8% of the national total of 7,035 similar accidents. That means that the over 70&#8217;s&#8217;s have more, very serious accidents per mile than any other sector of the population. This view is supported by the Association of British Insurers whose research shows that drivers aged over 70 are 13% more likely claim on their insurance than the drivers aged between 40 and 50. </p>
<p>As the number of elderly drivers will double during the next ten years, this represents a problem for elderly drivers and their families &#8211; not to mention the insurance industry, police and indeed all of the emergency services! </p>
<p>You can probably predict the response from the insurance industry. Many insurance companies already reckon that drivers over 80 are as high a risk as the under 25&#8217;s &#8211; and charge premiums to match! Some are even progressively loading premiums once the driver reaches 60. Then at 70, you&#8217;ll find that many insurance simply refuse to offer cover. Norwich Union and Esure won&#8217;t quote after 70 and by the time the driver reaches 80, the field narrows to specialised insurers who insure elderly drivers. Help the Aged and Age Concern both market policies that have no upper maximum age. Cornhill only accepts new policyholders up to 84 but if you&#8217;ve been insured by them for a few years, there&#8217;s no upper age limit. RIAS and Saga are also pleased to consider older drivers. </p>
<p>As the price of car insurance is based on historical claims experience, a 75 year old male driver can expect to pay at least 33% more than if he were aged 50. By the time the driver reaches 80 the premiums hit boy racer levels! So if you&#8217;re in your early 50&#8217;s keep smiling at the lowest premiums you&#8217;ll ever experience  they won&#8217;t last forever! </p>
<p>And the fairer sex fare even worse. Whilst younger women are renowned for their safe driving, they become more accident-prone as they get older. Whereas male drivers improve with age. (Where have we heard that before!) As a result, elderly women drivers pay the highest rates for car insurance. </p>
<p>It&#8217;s a biological fact that eyesight and reaction times worsen as age creeps on. And with traffic becoming heavier and road networks ever more complex, elderly drivers can more easily become disorientated and confused. Even a fraction of a second&#8217;s delay can make the difference between an accident and a near miss. Insurers are reacting by insisting that more elderly drivers take a medical before agreeing to provide insurance. The best advice is to build up a no claims record and as soon as possible and buy No Claims Protection. This protection cost a bit more but it&#8217;s well worth the money. Then make sure you pay for any small bumps yourself. </p>
<p>But there are some simple steps that older drivers, and indeed all drivers, can take to reduce the likelihood of them having an accident and thereby making themselves more insurable. It&#8217;s often more about those little things and being alert to likely problems. For example, car parks are a breeding ground for small accidents. Knowing that take more care. Before you get back into your car, walk round it to see how much room you&#8217;ve got. Then edge out carefully making sure that other drivers in the car park aren&#8217;t driving into the area you&#8217;re moving into. Then, if advancing years has stiffened you neck and all-round visibility is a bit more difficult, take special care at junctions and when reversing. Remember to move you head and swivel your shoulders &#8211; that way you&#8217;ll increase your sweep of vision. </p>
<p>Many of the policies for older motorists contain special provisions designed to assist them. On Saga&#8217;s policy for example, ex company car drivers can use any no claims record they&#8217;d built up and if a couple are insured and the main driver decides to quit driving, then the spouse can take over the no claims record. Other policies also provide full insurance cover for anyone who takes over driving in an emergency. Cornhill will even payout 250 if the DVLA stops you from driving for health isues associated with age. </p>
<p>In moves to diminish the numbers of accidents involving the elderly, the UK Government is investigating the issue of deteriorating health amongst elderly drivers. It seems to be considering the idea of obligatory health checks for elderly motorists. At the same time some local councils are introducing initiatives of their own. Torbay council has launched a scheme to encourage families and GP&#8217;s to take more responsibility for encouraging elderly drivers who are not really fit drive, to give up. A road safety spokesperson for Torbay council said, The problem is that the elderly can&#8217;t always see themselves when it&#8217;s really time to give up driving so those closest to them must take responsibility for that. </p>
<p>In the meantime, a survey carried out by the Institute of Advanced Motorists confirms that older motorists are aware that they represent an increased accident risk. Seven out of ten older drivers surveyed said they would like to take a refresher course for motorway driving skills and six out of ten wanted to improve their performance at junctions and on unlit roads. In response to these issues, the Institute has extended its advanced tests to older non-members to encourage them to improve and build up confidence. The tests also help spot any serious problems that should encourage the driver pack up driving.</p>

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		<title>Car Insurance. Optional Legal Expense Cover Is Well Worth The</title>
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		<pubDate>Wed, 28 Jul 2010 06:46:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Car Insurance. Optional Legal Expense Cover Is Well Worth The Extra.
Peter, our freelance journalists doesn&#8217;t take kindly to people driving into his beloved car. No, he doesn&#8217;t use his fourteen stone of gym-honed muscle to exact retribution nor is he into road rage. Of course he&#8217;s got his car comprehensively insured but he&#8217;s also covered [...]]]></description>
			<content:encoded><![CDATA[<p>Car Insurance. Optional Legal Expense Cover Is Well Worth The Extra.</p>
<p>Peter, our freelance journalists doesn&#8217;t take kindly to people driving into his beloved car. No, he doesn&#8217;t use his fourteen stone of gym-honed muscle to exact retribution nor is he into road rage. Of course he&#8217;s got his car comprehensively insured but he&#8217;s also covered another way. He&#8217;s got legal insurance. He included in his car insurance as an optional extra. This extra cover allows him to claim for costs and losses excluded covered from normal comprehensive and third party policies. So four months ago when his car was whacked from behind at the traffic lights, the legal profession swung into action! Not for free you understand, after all who&#8217;s heard of a solicitor labouring for free? No, but it was free to Peter  his insurance company paid all his legal costs.</p>
<p>Whilst the garage appointed by his insurer made a beautiful job repairing his bent MX5, his comprehensive policy didn&#8217;t normally cover claims for personal injury or loss of earnings. So the extra 2 a month Peter forked out for legal expense cover, became money well spent. He&#8217;s already received compensation for the broken wrist he suffered and negotiations for his loss of earnings are well advanced. One-handed journalists aren&#8217;t much use in our office so he took a month off!</p>
<p>Legal expense insurance assists policyholders to claim back losses and compensation where the accident wasn&#8217;t their fault. The losses can include the cost of hiring a replacement car whilst yours is in the garage and, for those not comprehensively insured, the costs of having your car repaired. As in Peter&#8217;s case, legal expense insurance will also fund claims for personal injury and loss of earnings.</p>
<p>Cover for legal expense is one of those insurances that&#8217;s under rated until it&#8217;s called on. The insurer will run the claim for you and sends the settlement cheque at the end of the process. All you have to do is record the facts on the legal expense claim form, speak to the solicitor nominated by your insurer, be prepared to answer a few follow-up questions, and sit back. If the case goes to court, they&#8217;ll represent you and fight your corner  although you may also have to attend.</p>
<p>Most car insurance policies sold on the Internet don&#8217;t automatically include legal expense cover  it&#8217;s normally an optional extra. That&#8217;s because price competition on the net is so fierce that the insurers prefer to keep their headline premiums down as low as possible.</p>
<p>You&#8217;ll find that the optional cost of legal expense cover does vary from insurer to insurer. For example, More Than comes in at 17.85 per year, Direct Line 19.95, Churchill 21 and Budget 24 per year. Just a few insurance companies such as Admiral, include some legal expense cover for free.</p>
<p>So make sure you don&#8217;t forget legal expense cover when you buy car insurance. Complicated claims for compensation can drag on your years especially if severe injury is involved, and final settlements can end up in millions.</p>

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		<title>Car Insurance. Surf The Net For A Better Deal</title>
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		<pubDate>Fri, 23 Jul 2010 07:48:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Is it coming round to the time to renew your car insurance? Do you, like 23% of car owners, just accept the quote and stay with your insurer? Does it matter that the premium is 5 or 10 per cent more expensive than last years? Maybe its just not worth the hassle of all those [...]]]></description>
			<content:encoded><![CDATA[<p>Is it coming round to the time to renew your car insurance? Do you, like 23% of car owners, just accept the quote and stay with your insurer? Does it matter that the premium is 5 or 10 per cent more expensive than last years? Maybe its just not worth the hassle of all those phone calls to goodness knows where, thumbing through the yellow pages or wearing out your shoe-leather down town. In addition to this, Insurance companies offer the best rates to new customers, in order to gain their custom. Existing clients generally stay with them anyway.</p>
<p>What about the internet? It really is worth giving it a try. Do you know that, if you shop around you could, on average, save around 55, plus the extra online discount? It is estimated that more than 2.25 million car owners purchase their car insurance on line now. The internet is speedy and simple to use and internet sales are generally growing amazingly fast.</p>
<p>Car insurers really want your business; they will be extremely competitive with pricing in order to win you over. There are around 100 of them in the UK and due to the strong competition in the industry; prices have held level for the past year or so. You can go to the individual insurers websites, comparison websites or use one that recommends specific insurers for different types of driver, whether they be the in the young, higher risk category or the experienced old driver with years of proven safe driving behind them. You will receive instant results and an unbelievable amount of advice and information. Youll be asked to fill in your relevant details, for example the number of years youve been driving, whether there are any convictions, number of years of no claims for your discount. All easily answered and your no claims details should be on your renewal notice.</p>
<p>Apart from the straightforward individual car insurance, new categories of insurance are coming on to the market. There are pay as you go options and multi-car policies. These used to be difficult to obtain unless you were in the car-trade. It certainly seems to be time to re-assess whats available in the car insurance line and get yourself up to date on whats on offer. A short time browsing the internet will get you thinking along the right lines.</p>
<p>A word of warning though; The AAs Ian Crowder says If we dont start to see modest price increases, then there could well be an unpleasant and sudden price hike. This will not be good for the industrys reputation or out customers. Insurers are beginning to show signs that they may not be able to continue to hold down prices for very much longer. Claims are accelerating. The average cost of accidental damage repair has risen, costing an additional 5% per year, despite the fact that there are fewer accidents. Claims for personal injury are rising fast and the cost of settling these is rising at around 12% per annum.</p>
<p>Dont give your insurer the chance to use this as an excuse for a rising premium, get on line and get sorted!</p>

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		<title>Car Insurance. Uninsured Cars To Be Crushed</title>
		<link>http://www.bestbetinsurance.com/carinsurance/car-insurance-uninsured-cars-to-be-crushed/</link>
		<comments>http://www.bestbetinsurance.com/carinsurance/car-insurance-uninsured-cars-to-be-crushed/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 11:59:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Car Insurance]]></category>
		<category><![CDATA[Car Crusher]]></category>
		<category><![CDATA[Driving Without Insurance]]></category>
		<category><![CDATA[Insurance Industry]]></category>
		<category><![CDATA[Insurance Policy]]></category>
		<category><![CDATA[Insurance Status]]></category>
		<category><![CDATA[Last Spring]]></category>
		<category><![CDATA[Motorists]]></category>
		<category><![CDATA[National Police]]></category>
		<category><![CDATA[Patrol Car]]></category>
		<category><![CDATA[Pilot Scheme]]></category>
		<category><![CDATA[Police Database]]></category>
		<category><![CDATA[Police Forces]]></category>
		<category><![CDATA[Police Spokesman]]></category>
		<category><![CDATA[Secure Storage]]></category>
		<category><![CDATA[Skates]]></category>
		<category><![CDATA[Smelter]]></category>
		<category><![CDATA[Takeaway]]></category>
		<category><![CDATA[Tow Trucks]]></category>
		<category><![CDATA[Uninsured Drivers]]></category>

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		<description><![CDATA[Are you one of the one in twenty motorists who regularly drive without insurance? You&#8217;d better watch out &#8211; your car could be heading for the crusher and shipped off to the world&#8217;s biggest scrap smelter in China! 
New powers now allow the police to seize, impound and crush any car found on the road [...]]]></description>
			<content:encoded><![CDATA[<p>Are you one of the one in twenty motorists who regularly drive without insurance? You&#8217;d better watch out &#8211; your car could be heading for the crusher and shipped off to the world&#8217;s biggest scrap smelter in China! </p>
<p>New powers now allow the police to seize, impound and crush any car found on the road without insurance. A pilot scheme was introduced in Durham last spring. Since then, police have impounded more than 1,200 cars. Of those around half have been crushed into cubes and packed off for smelting. </p>
<p>Operation Takeaway as the pilot scheme was known, has been such a big success, that police forces throughout the UK are enthusiastically polishing up their tow trucks. The scheme is now supported by a new national police database that&#8217;s supported by the insurance industry. It enables the police to check the insurance status of every car in the UK whilst they&#8217;re sitting in their patrol car. </p>
<p>Now if you&#8217;re caught red handed without car insurance you&#8217;re forced to hand your keys to the police at the roadside. There are no exceptions &#8211; this applies to everyone; it doesn&#8217;t matter if it&#8217;s just a forgetful mistake or conscious driving without insurance. </p>
<p>Then you&#8217;ll have to get your skates on! You&#8217;ve just 14 days to produce a valid insurance policy to the police and collect your car. And other costs mount up. Before you can collect your car, you have to pay the cost of kerbside recovery (around 105) and the cost of secure storage &#8211; and that could easily amount to 15 a day. So, if you leave collecting your car to the 14th day, you could be in for a bill for 315. </p>
<p>And if you don&#8217;t reclaim your car, off to the crusher it goes! </p>
<p>During the pilot scheme, the cost of crushing the cars was partly funded by Direct Line. They have estimated that Operation Takeaway prevented up to 2,000 accidents. And many of the cars impounded by the police were found to be un-roadworthy. </p>
<p>A police spokesman said,  Uninsured drivers are often guilty of many other offences. Such as having neither driving licence nor MOT certificate. We are doing everything in our power to get these dangerous and illegal drivers off our roads. </p>
<p>Indeed, uninsured drivers are much greater problem than many of us would expect. The Department of Transport recently reported that 1 in 20 motorists regularly drive without insurance. Furthermore, research from the Association of British Insurers discovered that uninsured drivers are amongst the most dangerous on the roads. On average they cause one accident every six months and are three times more likely to be convicted of driving without due care and attention. </p>
<p>And who pays for those uninsured accidents? We do! The average car insurance premium is loaded by 30 to cover the cost of damage caused by uninsured motorists. Across the UK that adds up to an extra 500 million paid out each year by the law-abiding motorists! </p>
<p>But that&#8217;s not the end of our financial pain. If an uninsured vehicle collides into your car, it&#8217;s still recorded as a fault claim on your policy. This means you&#8217;ll have to pay the excess when your car is repaired and unless you&#8217;ve got Claims Protection on your policy, your no-claims bonus will take a knocking. Over a two-year period, the reduction in your no claims bonus could easily cost 275 in higher premiums. </p>
<p>The move to take cars off the road and crush them has been warmly welcomed by the Association of British Insurers. The ABI has long criticised the leniency of punishment handed out by the courts to uninsured motorists but they still want tougher penalties. Offenders are typically fined just 150 to 200 &#8211; with time to pay &#8211; and this is much less than the average car insurance premium. Surely this cannot be true justice!</p>

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