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Only 32 per cent of us have switched car insurance in the last year, so that’s 68 per cent of the UK still not taking advantage of the internet to research products like motor insurance to find a cheaper policy.

Non-switchers regard the features and type of policy cover more important than people who switch insurers.

1 in 10 insurers have never switched or have been with the same car insurance company for more than 10 years.

The UK’s motorists are way behind when it comes to switching insurance online. This is quite surprising when you think about the numbers of people switching credit card providers or utility and telecoms providers. So why aren’t we all saving ourselves a few hundred quid a year by shopping around for car insurance too?

A whopping 43% of people say they have stayed with their current provider for three years or longer, while 7% of these claim they have never changed their car insurance provider.

For 71% of people who have switched their car insurance within the last 12 months, price is the key factor when choosing their insurance provider. While motorists who have been loyal to their insurance provider for over three years don’t rate price as highly. Instead, only 56% of people who last switched their car insurer three to four years ago named price as the most important factor. This figure drops to just 24% for people who have been with their current car insurance provider for over 10 years.

In contrast to that, 44% of this group values the level of cover (e.g. third party, fully comprehensive) provided by their insurance company as the most important factor when choosing their car insurance policy.

One thing I don’t understand is ‘level of cover provided’ – surely Third Party insurance cover is the same no matter where you buy it? i.e. you’re insured if (God forbid) you crash your car into someone else’s. As far as I understand it this is the least or cheapest kind of insurance you can buy in order to legally drive your car on public roads. Fully Comprehensive insurance cover means you can claim for things like scraping the car wing on a gate post or accidentally reversing into a lamppost etc…You can claim on your insurance to cover the cost of these repairs.

I suppose it’s the insurance companies themselves who are ‘tailoring’ insurance policies by adding additional features and benefits to a ‘normal’ insurance policy in order to attract new customers. This is where the whole ‘getting the right cover for your individual needs, rather than getting the cheapest price’ stems from in the first place.

If insurance companies just provided the basic level of insurance needed to drive legally then I’m sure car insurance would be a whole lot cheaper for everyone anyway…

About the Author:

Simon Duffy writes for the Financial Blog a UK Finance Blog talking about all aspects of personal finance.

Article Source: ArticlesBase.com68 Per Cent of Us Still not Switching Car Insurance

Diana Wallis on Motor insurance


Snapshots Argentina Motor Insurance 2006


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Snapdata’s Snapshots Argentina Motor Insurance 2006 provides 2005 year-end market data, with 2006 estimates, 4 years of historical data and five-year forecasts. The Snapshots report gives an instant overview of the Argentine motor insurance market, and covers motor insurance. Market value is based on gross premium income. The data is supplied in both graphical and tabular format for ease of interp…

Problem solvers.(benefits of employee assistance programs): An article from: Indiana Business Magazine


Problem solvers.(benefits of employee assistance programs): An article from: Indiana Business Magazine


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This digital document is an article from Indiana Business Magazine, published by Curtis Magazine Group, Inc. on November 1, 1998. The length of the article is 946 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.Citation …

Royal offers int'l business protection coverage. (Royal Group Inc.; international): An article from: National Underwriter Property & Casualty-Risk & Benefits Management


Royal offers int’l business protection coverage. (Royal Group Inc.; international): An article from: National Underwriter Property & Casualty-Risk & Benefits Management


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This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on December 16, 1996. The length of the article is 763 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase…

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Compare Motor Insurance
92 Honda Prelude or 97 Eclipse Gs-T Which is Better?

I want to buy a new car and well i can decide both cars look so nice and both are fast but which one would be the best to get i like racing but i would rather have a reliable car rather than a fast car, so what do you think which one would be more reliable but would be also fast i can going to spend money on the car in performance and looks but as far as stock goes i have read that the eclipse have bad motors problems from time to time and honda run for virtually ever…but hondas are heavy compared to eclipses which i dont like but insurance wise eclipse are ******* expensive on that, i like both cars very much but i just cant decide so please help me i can buy 1 or the other like right now but i cant decide on which would be a better car for me…
i can get the prelude for around 3k and the gs-t for 4k forgot to add that in there

Wow, its obivous lol. Get the “turbo” eclipse GS-T… Put around another 2k-3k, easy 300whp. But yes, insurance is going to be a little bit more than the honda prelude. But the prelude doesn’t come turbo’d. If you want reliable car, maintain is the keyword. Just keep on maintaining it properly and it will last a lot. You can never go wrong with the GST, and especially you won’t regret it. Plus honda prelude would be a pita if your going to hook it up. You’ll be spending over 5k on turbo kit and tuning alone. Plus your pushing a N/A engine as well that wasn’t built for turbo. So reliablitiy goes down. Unless you just want to add bolt ons, but wouldn’t make big differences in speed.

Compare to Find Cheap, Cheaper, Cheapest Car Insurance Rates Motor Insurance | Real competitive

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Direct Motor Insurance

The Motor Insurance Bureau or MIB handles claims placed by drivers who were involved in an accident with an uninsured driver. This agency has certain guidelines that must be completed when submitting a claim. If these guidelines are not followed, the claim will not be processed.

When Does the MIB Require Claims to be Submitted?

In particular, claims must be submitted in a timely fashion. Any motor vehicle accident must have been reported to the police according to the law, so this includes accidents in which an uninsured driver is involved. The claim for injuries must be submitted in the three years that follow the motor vehicle accident. Any claim for damages to property must be submitted during the six years following the accident.

Are There Any Fees Associated with Submitting a Claim to the MIB?

Unfortunately, since May of 2008, the Motor Insurance Bureau has the option to charge any driver submitting a claim through their agency an excess fee of £300. Therefore submitting a claim does carry with it a small expense. However, this is a small price to pay to recoup some of the cost of any damages that occurred during the uninsured driver accident. This regulation is in place to prevent abuse of a service that is intended to help those drivers who really need it.

Many of the claims for uninsured driver accidents are covered by Comprehensive insurance coverage and can be submitted directly to an insurer. Drivers who are at risk of losing their No Claims Discount might opt to submit their claims to the MIB instead. This is perfectly legal to do.

In some cases in the past, drivers might have opted to submit their claim to the MIB even though they have Comprehensive insurance coverage simply to avoid their excess fees. This practice is thought to have unnecessarily increased the load of work given to the MIB. Hence, the excess fee is put into practice to decrease the number of claims submitted simply to avoid their insurer’s excess.

Additionally, the placement of an excess fee for claims submitted to the MIB might also reduce the number of trivial claims that are submitted. Trivial claims include such accidents as ones involving damage to a vehicle due to an incident involving the vehicle being struck by something other than another car.

Is Legal Counsel Available for Drivers Submitting Claims with the MIB?

If a driver is the victim of a motor vehicle accident involving an uninsured driver and he submits his claim to the Motor Insurance Bureau, he might be entitled to free legal cover. An independent insurer would provide the legal cover to the driver making the claim. IN most cases, this free legal cover is offered up to a value of £100,000. Since the availability of free legal cover varies, it is important to ask an employee at the Motor Insurance Bureau whether or not you are entitled to it. In most cases, drivers with Comprehensive insurance coverage have access to free legal cover or they have some type of legal cover accessibility through their coverage.

Intro: The Motor Insurance Bureau handles claims for drivers who are involved in an uninsured driver accident. Did you know that you might be able to also get free legal cover? Or that an excess fee might apply even though you are not using your insurer?

About the Author:

Steven Hoggard is a keen writer about car insurance and home insurance products.

Article Source: ArticlesBase.comHow Does the Motor Insurance Bureau Handle Claims?

RAOTube | Funny Propagandas – Drama – Dial Direct


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Auto trends drive industry profit in 2004: all p-c insurance lines except homeowners reported improved loss ratios.(Loss Ratios): An article from: National ... & Casualty-Risk & Benefits Management


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This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on March 28, 2005. The length of the article is 2587 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. …

Future Still Uncertain For Non-OEM Auto Parts.(state legislative bills about non-original equipment manufacturer auto parts)(Brief Article): An article ... & Casualty-Risk & Benefits Management


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This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on February 19, 2001. The length of the article is 652 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase…

Rising costs drive car insurance rates higher.(Brief Article)(Statistical Data Included): An article from: Westchester County Business Journal


Rising costs drive car insurance rates higher.(Brief Article)(Statistical Data Included): An article from: Westchester County Business Journal


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This digital document is an article from Westchester County Business Journal, published by Westfair Communications, Inc. on February 26, 2001. The length of the article is 615 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web brow…

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Motor Insurance Companies
why is their only 2 companies in ireland doing insurance 4 motor bikes and hell its expensive?

carl nash and anon

Buy a car instead and save on insurance.

Auto Insurance, Motor Insurance Companies


Auto trends drive industry profit in 2004: all p-c insurance lines except homeowners reported improved loss ratios.(Loss Ratios): An article from: National ... & Casualty-Risk & Benefits Management


Auto trends drive industry profit in 2004: all p-c insurance lines except homeowners reported improved loss ratios.(Loss Ratios): An article from: National … & Casualty-Risk & Benefits Management


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This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on March 28, 2005. The length of the article is 2587 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. …

When Car Costs Less Than Sum Of Its Parts, Auto Competition is Critical Insurers Contend.: An article from: National Underwriter Property & Casualty-Risk & Benefits Management


When Car Costs Less Than Sum Of Its Parts, Auto Competition is Critical Insurers Contend.: An article from: National Underwriter Property & Casualty-Risk & Benefits Management


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This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on January 3, 2000. The length of the article is 1118 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase….

New Federal Air Bag Safety Rules Draw Criticism.(Brief Article)(Statistical Data Included): An article from: National Underwriter Property & Casualty-Risk & Benefits Management


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This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on May 29, 2000. The length of the article is 515 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You…

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Best Motor Insurance
where is the best place to get insurance for my motor boat?

There really isn’t a “best place” you need to shop around rates and make sure the coverages you are getting will meet your needs.

Car Insurance, Compare Cheap Car Insurance Quotes Compare Cheap Motor Insurance Deals


Insuring a passion: insurers and agents, like McKeel Hagerty, say '60s and '70s muscle cars are fueling sales.(Property/Casualty: Auto Insurance Package)(Cover ... table): An article from: Best's Review


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This digital document is an article from Best’s Review, published by Thomson Gale on October 1, 2007. The length of the article is 17016 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Insuring a p…

A.M. Best Special Report: Southeast Asia Life & Nonlife: Southeast Asia May Reward Shrewd Insurers, Punish the Careless


A.M. Best Special Report: Southeast Asia Life & Nonlife: Southeast Asia May Reward Shrewd Insurers, Punish the Careless


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Southeast Asia is seen as an exciting and rapidly defeloping insurance market. A.M. Best believes the insurance markets in Indonesia, Malasia, the Philippines, Thailand and Vietnam wil continue to grow. Each market in this region has unique traits and opportunities, but also challenges that require insurers to approach them with care. …

Speeding triples the odds of crashing, AAA finds.(Property/Casualty: Loss/Risk Management Notes): An article from: Best's Review


Speeding triples the odds of crashing, AAA finds.(Property/Casualty: Loss/Risk Management Notes): An article from: Best’s Review


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This digital document is an article from Best’s Review, published by Thomson Gale on February 1, 2007. The length of the article is 449 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Speeding trip…

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Motor Insurance Young

Before you set off on a driving holiday around Ireland it is a good idea to get prepared for your trip and check that you will be covered by <a href=”http://www.quinn-direct.com”/>motor insurance</a> for the length of your journey.

If you use your vehicle on a daily basis, you are sure to keep your motor in a roadworthy condition, but if you plan to drive for longer trips around the country it is recommended that you plan ahead in case problems crop up. Once you have chosen which of the many scenic routes that you wish to travel on your trip, you may like to turn your attention to your car to check it is set up for the journey. As you are well aware, Ireland’s roads can become very busy at times as people flock to the country to travel through its rolling countryside. This twinned with some winding routes means you may be at greater risk of being involved in a collision.

If you have an accident, you may find that you are liable for a larger repair bill in order to correct the damage, depending on your level of insurance. For example, if you are currently covered by Third Party Fire and Theft, the policy will supply you with funds to fix the car that you hit, but you will have to use money from your own pocket to fix your own vehicle. However, if you are keen to protect your car as well, it may be a good idea to upgrade to Comprehensive insurance. This policy is usually more expensive than the latter kind, but it can help to give peace of mind as you embark on your trip.

After you have purchased car insurance you are advised to keep the contact details of your insurance company close by in case you need to call them following a collision or other event, such as theft of your motor. Another tip before you set off is to check that you have adequate breakdown cover for your journey. Some companies may offer different levels of cover, which may or may not include towing of your vehicle should it breakdown beyond repair. If you would like to keep problems to a minimum then it is wise to get the highest level of cover, so you are not stranded along with your faulty car.

Many drivers like to carry red warning triangles with them so they can alert other motorists to their predicament, which may be necessary on twisting roads. Both Third Party Fire and Theft and Comprehensive policies guard you against theft of your vehicle but it is recommended that you do all you can to reduce the chances of becoming a victim of crime. Keeping valuables out of sight, locking your car and installing an anti-theft device may help keep criminals at bay so you can enjoy your trip.

About the Author:

Rochelle Martinez, Freelance Web Content Article Writer for three years. Some of her articles are about http://www.quinn-direct.com.

Article Source: ArticlesBase.comGet Motor Insurance for hassle-free motoring

Insurance tips for young drivers

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