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Choose Powerseeker for Cheap Car Insurance, Motorbike, Van and Taxi Insurance
Posts Tagged ‘Car’
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Saturday, February 18th, 2012
Buying cheap but good car insurance for your car can be a very difficult task. You need to make sure you shop around and compare various insurance companies before choosing the best car insurance for your budget.
You can make the most of various comparison sites to get search for car insurance quotes and this will help you to buy cheaper car insurance.
Before you shop for a cheap car insurance quote, you’ll need to have the following information in hand:
- A description of the car such as, its model, year of manufacture etc
- Personal details of the named driver and any additional drivers to be insured
- The type of insurance cover you want
- Where you park the car at night
Many of the large car insurance companies sell car insurance policies to you directly, whereas other companies may sell their policies through local agents who will contact you later after they have priced a quote for you.
Once you have all the quotes in hand, try and compare them.
In addition to your quotes, there may be a few other important things for you to consider with the insurance companies before you buy their insurance policy. Important things for you to check with an insurance company are as follows
- The payment policy available from the insurance company
- The annual or monthly rates for different types of insurance cover
- Where are the insurance companies Call Centre’s based?
- Consumer reviews for the company
Once you have a shortlist of a few car insurance companies then you should contact them and ask if there are any discounts available to you.
You could be eligible to get a car insurance discount if you have a good driving record and hold a decent No Claims Bonus, or you have various anti-theft devices installed on the vehicle you wish to insure. Try to take advantage of any discount available.
Finally, before signing on any dotted line of the policy papers, be sure to check the policy has all the cover you require.
Remember, your aim is to buy cheap car insurance so make sure the insurance policy has all you require as it will only end up costing you extra if you wish to add something on after your initial purchase.
Powerseeker has access to a large panel of UK insurance companies that can get you over 90 car insurance quotes using brand names in the UK. Featuring easy navigation with useful links our site could assist you when seeking cheaper car insurance quotes.
Tags: Car, Cheap, comparison, Discount, Insurance, Policy, Quote
Posted in Cheap Car Insurance | Comments Off
Wednesday, February 15th, 2012
Any driver in the UK is required by law to have some form of insurance coverage for any type of vehicle.
So, is it possible to find a cheap car insurance policy that’s worth it?
Car insurance is not cheap, so if you could get your hands on a cheaper car insurance policy which covers all, of your personal requirements, then you would be foolish not to take it. Therefore, you just need to know where to look.
There are many ways to find cheap car insurance and we have a few guidelines that may help you.
The first thing you need to understand is knowing the difference between an expensive and a cheap car insurance policy. There is a mindset that cheap car insurance is the lowest amount of money you can spend and this type of car insurance can be acquired rather easily but the insurance cover can also be pretty much useless. This is because most people do not wish to sacrifice their insurance cover simply for price. Therefore this completely alienates cheap car insurance policies.
It is possible for you to actually acquire cheap car insurance that will serve its purpose of having the cover you require for your vehicle. The reason these policies are more affordable is that they usually stick to the basics. They do not include services that people pay for and end up not using.
In order to benefit from cheap car insurance, it is important that you drive safely; building up your No Claims Bonus will entitle you to various savings. The make and model of the car is also important. No insurance cover is as secure as a dependable car.
Make sure you get quotes from reputable companies. These companies usually offer cheap car insurance so all you have to do is ask. If you spend time looking at car insurance cover and shopping around various car insurance companies then you are likely to get the best deal and cover for you and your vehicle. Make sure you spend some time on it and you will not regret it if you can find a suitable deal.
Powerseeker are a conduit for insurance providers that are all regulated by the Financial Services Authority.
Powerseeker has access to a large panel of UK insurance companies that can get you over 90 car insurance quotes using brand names in the UK. Featuring easy navigation with useful links our site could assist you when seeking cheaper car insurance quotes.
If you are looking for cheap car insurance we compare young drivers, women’s cover and over 50s insurance suitable for all vehicles including performance and modified cars and vans. By using the comparison systems at Powerseeker which is provided by various UK companies, you will have access to many quotes, all in one location.
Tags: Car, Cheap, Claims, Insurance, Policy, Quotes
Posted in Cheap Car Insurance | Comments Off
Tuesday, February 14th, 2012
On 10th February 2012, the Mail Online reported, “The AA is launching a new service which promises to cut the cost of insurance for safe drivers.
Motorists will be offered the chance to instal a small tracking device in their car which will monitor how fast they are driving.
And those who keep their speed to a minimum could save up to £850 a year on their policies.
Simon Douglas, director of AA Insurance said: ‘It is likely to appeal to inexperienced drivers as well as parents, whose youngsters have their first car.
‘Parents know driving behaviour is being tracked by a system that also provides crash, breakdown and theft alerts.’
Douglas added that the system will offer drivers tips and alerts to improve their performance behind the wheel.
He told The Daily Telegraph: ‘Most people can improve their driving standard and Drivesafe can help them to do that.
‘I believe that in time, systems of this type will become increasingly widely used by drivers of all ages.’
The AA will be able to identify the exact location of the car in the event of accident or if the vehicle is stolen.
Whilst users will be able to view their performance either on their computers or courtesy of a free phone app that has been launched for smartphones.
It has emerged that a number of other insurers have launched similar products with Direct Line believed to be piloting their own technological tool.”
Tags: Car, cost, Drivers, Insurance, Policy
Posted in Cheap Car Insurance | Comments Off
Monday, February 13th, 2012
The British economy is in crisis, the cost of living has increased, wages remain the same and yet car insurance premiums continue to rise every year.
Many drivers in the UK get a shock every year when their renewal quote arrives as the prices seem to be ever increasing.
Unfortunately, Insurance companies don’t give out points for loyalty so it does not necessarily pay to be loyal to just one insurance company year in, year out.
Surely, it is in everyone best interest to find the lowest possible insurance premium every year and with Powerseeker’s help, this is easy to do.
Make sure you shop around.
Do not simply just accept your current insurer renewal quote. Get on-line or make a few phone calls to compare insurance prices for your vehicle. This process will only take you a few minutes and could save you up to hundreds of pounds. In fact, independent research has found that drivers can save an average of £383 on their annual insurance costs by using car insurance comparison sites.
It seems that people in the UK do not tend to be loyal to any insurance companies with most people doing their utmost to chase the cheapest possible prices and up to 22% of drivers can be persuaded to change from their current insurance supplier for savings of even £25.
A car insurance expert with the price comparison website commented, “British motorists are really feeling the financial strain and are desperately looking for ways to cut costs, so its unsurprising our research has found one in five drivers are only looking for savings of £25 on their car insurance premiums to justify the move to a better value premium.
“Those drivers who are unconvinced of the merits of shopping around, and automatically renew their car insurance, could achieve above and beyond their desired saving by taking the time to scour the market.”
Do not become the one in four people who automatically renew their insurance with their existing provider without looking at others.
Powerseeker provides a range of insurance for cars, motorbikes, vans and caravans so you can compare insurance for any vehicle you own in just one place. It only takes minutes to complete our on-line forms which give you access to compare insurance quotes to try and find the best premium to suit your budget this year.
Tags: Car, Cheap, comparison, Insurance, Insurer, Premiums, websites
Posted in Cheap Car Insurance | Comments Off
Thursday, February 9th, 2012
Parking your car in the garage overnight will protect it from vandalism, opportunist thieves and the weather but in most cases, when it comes to car insurance there does not seem to be a correlation between parking your car in a garage and what you pay for your car insurance.
Some insurance companies do still ask their customers where they park their cars overnight but it’s probably more out of habit than anything else. However, for many insurance companies it seems that asking the question is like taking a walk down memory lane.
Penny Gusner a consumer analyst at CarInsurance.com recently checked car insurance rates for her family members and it turns out that none of the insurers asked where the vehicles were being parked overnight.
You may have a garage attached to your property but it seems that many insurance agents are aware that people’s garages are so filled with personal belongings that there’s no room to park a car.
Insurance companies have found over their years of experience that the reasons for a customer having to file an insurance claim are no different if a car is parked in the driveway as opposed to the garage.
Instead, car insurance companies are now putting their main focus on factors which can be backed up by data. Things such as the make and model of your car, who will be driving the car, the post code of where you live and your no claims bonus.
So, if storing your car in a garage doesn’t matter as you look for cheap car insurance, what does?
Car Insurance companies are mostly paying close attention to your claims history and in particular the region / post code of where you live.
When arranging insurance premiums the insurer will pay most attention to things such as the area’s claims for car theft, is it a rural or urban area, items that get stolen from cars, vandalism or damage caused by natural disasters.
Unless you own a classic car, parking your car in a garage will not seem to make any difference to your insurance premium. Classic cars generally fall in to a lower risk group because Insurance Companies know that the owners are passionate about their cars and want to do their best to protect them or prevent them from deteriorating.
If you are looking for cheap car insurance then check out Powerseeker.
Tags: Car, Companies, Garage, Insurance, Overnight, Parking, Premiums
Posted in Cheap Car Insurance | Comments Off
Sunday, February 5th, 2012
February is starting to feel noticeably wintery with sub-zero overnight temperatures and widespread snowfall throughout the UK which finally hit this weekend.
We all need to take a few extra safety measures when preparing for a journey in the cold climates and ensure we remain safe the way that we drive.
Powerseeker are not just here to help drivers get cheap car insurance quotes as we want them to drive safely too, so we have put together a list of handy tips to keep you protected in the cold weather.
Here are the areas you need to consider to stat safe when driving this winter:
1. It’s advisable at the beginning of winter to give your car a seasonal check. This includes checking the following are working – lights, tyres, windscreen wipers and the fluids are topped up.
2. Make sure you have plenty of de-icer. There was a shortage last year due to the amount of cold weather.
3. Think about if you require any additional equipment for your car; such as a warning triangle, first aid kit, torch; blanket, a warm coat, a pair of winter boots and a tow rope could all be useful in the event of an emergency.
4. It is best to check the weather forecast using a local radio stations / website to ensure the roads are going to remain safe for the duration of your journey.
5. Make sure you have enough fuel in the tank
6. Make sure you drive with care. Watch your speed, keep your distance from the car in front and avoid any sudden braking.
7. If the conditions are foggy then switch your fog lights on, slow down and leave plenty of space between you are the car in front.
8. If you do get stuck in snow then call for breakdown or emergency services if required but be sure to stay with your car; and turn the engine off.
9. Don’t forget the sunshine in the winter can be hazardous so keep your windscreens and windows clear and be sure to slow down.
10. If you have one; keep your mobile charged just in case you need it.
If you are unfortunate enough to have an accident, contact the emergency services immediately if required and stay with your car.
Be sure to contact your car insurance company in the event of any accident and follow the advice they give.
If you do need to make a claim this may affect your insurance premium so we recommend that drivers with any sort of claims history to compare car insurance quotes using a site like Powerseeeker.co.uk
Tags: Affect, Car, Claims, Driving, History, Insurance, Safe, Tips, Winter
Posted in Cheap Car Insurance | Comments Off
Friday, February 3rd, 2012
A report released by MP’s reveals that insurance claims made for whiplash is one of the reasons that car insurance premiums are rising each year.
The Common Transport Committee reached out to ministers asking them to change the British law to make it tougher for people to make unchallenged claims for whiplash injuries; so it could be good news for car insurance costs as they are once again under scrutiny by the UK Government.
Back at the beginning of 2011, the Transport Committee started investigating the reason for the continually rising costs of insurance; in fact the cost of car insurance has risen 50% in the past two years. The Transport Committee particularly examined the reasons for recent increases in insurance premiums and the impact it is having on younger motorists.
The previous report detailing their findings was published back in March 2011. It highlighted the issues of high insurance premiums. Nevertheless, a new report has now been published in 2012 which reveals that car insurance costs had risen by a further 17% in 2011 because of whiplash claims made through insurance companies.
Louise Ellman from the Common Transport Committee has suggested that people trying to claim should be made to provide come sort of evidence of the whiplash and how the whiplash has adversely impacted their lives. This should be undertaken before the possibility of receiving any compensation. Many GP’s have acknowledged some cases of whiplash can be over diagnosed which only add to the problem.
Louise commented on this new report saying: “Many of these claims are for whiplash, an injury where diagnosis is often subjective and therefore very costly for insurers to challenge and the threshold for receiving compensation in whiplash cases should be raised.”
In Britain, around 600,000 whiplash claims are reported each year. This could theoretically add £90 to a typical car insurance policy. Around £2 billion was paid out last year for whiplash claims; so you can recognize the need for the rise in the insurance premiums. Unfortunately, with so many claims being made every year it is causing drivers who don’t claim to have an enlarged premium as prices continue to increase in the insurance industry.
This report has been an optimistic step in altering the way in which insurance claims can be made by drivers who think they may have suffered from whiplash in a crash.
Nick Starling from the Association of British Insurers responded to the report, “We are pleased that the Transport Select Committee has recognised that spiralling personal injury claims are the real reason car insurance premiums have been increasing and made recommendations for meaningful reform.
“It is absolutely critical that Britain’s whiplash epidemic is tackled once and for all and the Select Committee’s acknowledgment that the bar to receiving compensation for whiplash is too low is a step in the right direction.”
Time will tell if the UK Government decide to take any action against whiplash claims which are resulting in higher vehicle insurance premium costs.
In the meantime Powerseeker’s advice to all drivers; male and female, young and old, is to make sure you shop around with insurance comparison sites when your insurance policy is up for renewal.
Tags: Bogus, Car, Claims, Impact, Industry, Insurance, Motorists, Premiums, Rise, Whiplash
Posted in Cheap Car Insurance, Van Insurance, Womens Car Insurance, Young Drivers | Comments Off
Monday, January 23rd, 2012
For most young drivers it is pretty common knowledge nowadays that insurers simply don’t want you. Insurance companies are trying to charge young drivers an extortionate amount of money which no normal person can afford as it seems they do not want the hassle which is associated with young drivers.
Apparently, young drivers are more likely to be distracted at the wheel of a car thus causing more accidents to them and surrounding vehicles which sends the cost of young driver policies rocketing through the roof. Therefore, some insurance companies find no problem in quoting young drivers an excess of £10,000 to ensure they cannot insure with their Insurance Company.
A survey conducted by young driver insurance specialist ‘Young Marmalade’ and the House of Commons Transport Select Committee which polled 1,127 younger drivers showed that an incredible 96% of young motorists feel ‘priced off the road’.
A shocking 30% of young drivers have considered altering their personal or vehicle information to lower their insurance quote. Also, 21% of them have thought about driving without insurance, which is a criminal offence.
In addition, many parents choose to insure their children’s car for them in their name and then add their offspring as a second driver. This practice known as “fronting” and although many do not realise, it is illegal.
It’s a fact that uninsured drivers cause insurance premiums to rise, however when insurance companies effectively block all routes of insurance to a young driver, many of them are likely to seek illegal routes.
It’s understandable that insurance companies need to charge larger amounts of money that will cover young drivers due to them being more of a liability. However, I am sure we would all agree that it would be better all-round if young drivers could afford to insure; legally as none of us want to be hit by an uninsured driver.
Here are some top tips to enable young drivers to get a fair price for car insurance:
1. Choose the car carefully
A car make, model and age can make a huge difference to insurance premiums. It is best to choose a modest vehicle without any modifications.
2. Cut down the amount of cover
Young motorists should consider dropping down to third party fire and theft or third party-only cover as limited cover is better than the illegal route of driving without insurance.
3. Keep your licence clean for at least a year
Drive ultra-cautiously in your first year as young drivers are most likely to have an accident. A clean, full driving licence for more than a year will help to lower your insurance premium.
4. Make sure you shop around
Shopping around for car insurance could find you a deal to help slash your premium. It’s a proven fact that getting quotes online could reduce your premium by more than a third.
Compare car insurance quotes with Powerseeker here.
5. Share a car and become a ‘named driver’
Your own personal policy may cost a small fortune but it would cost a lot less if you were named on the insurance of your parent’s car.
However, it is not an option for parents to insure their children’s car for them in their name and then add the child as a second driver as this practice known as “fronting” and it is illegal.
6. Become a safer driver
Taking an Advanced Driving Test could help you to become a safer driver. After passing this test many insurers will lower your premium.
7. Look after your car
Look after your car as by keeping it safe will reduce the risk of an accident or theft claim which will help to build up your No Claims Bonus discount which will help to save you money the next time you renew your car insurance.
Finally, the very best way to keep your insurance premiums affordable is to drive carefully, so go easy on that accelerator pedal!
8. Ask for a discount
You can reduce an insurance premium using a range of security and safety discounts. For example, an insurer-approved car alarm or tracker will lower your premium. Also, adding a second named driver to your policy could cost you less on the overall cost.
9. Increase the voluntary excess
A standard policy excesses is usually between £100 to £250, which is the amount that you would have to pay for each claim. However, you could increase the voluntary excess by choosing to pay more which would lower the cost of the voluntary excess.
10. Pay annually where possible
If you can afford to then pay for your insurance with a one off payment.
If you do have to pay for your car insurance via monthly premiums you could pay extra of up to 30% APR.
On a final note, keep it legal by taking out adequate car insurance. It is law in the UK for every every person who uses a vehicle on the road to have at least third party insurance.
Tags: Affordable, Car, Drivers, Insurance, Young
Posted in Young Drivers | Comments Off
Saturday, January 14th, 2012
It is an offence for you or others to use your car without a level of car insurance that satisfies the Road Traffic Act whilst driving on the public highway. However, no such law applies whilst driving on private land.
The UK government introduced the original law back in 1930 which requires every person who uses a vehicle on the road to have at least third party vehicle insurance.
Third party only insurance is the lowest level car insurance cover available and is therefore often the most low cost. Third Party Insurance will only cover you for causing accidental damage to other people’s property and causing injury or death to other people. However, please keep in mind that this level of insurance will not cover the cost of any damage to your vehicle or your personal belongings in the event of any accident.
Some road users refuse to purchase car insurance as they think they can get away without adhering to this law. This is often because they think car insurance is far too expensive, or maybe they think because they are good drivers they don’t need insurance as they are not likely to have an accident or it could simply be because they have forgotten to renew their insurance policy.
Whatever their reason for driving without insurance, unfortunately it means these people are pushing up the cost of insurance premiums for the law abiding motorists amongst us.
According to the AA, uninsured drivers are responsible for around 160 deaths on the road every year and an additional 23,000 injuries.
Knowing these figures, you may be shocked to learn that the average fine for driving without the adequate level of insurance cover is just £200, even though judges in the UK have the power to impose a fine up to £5000.
Mr Douglas from the AA remarked, “We’re failing honest motorists by such lenient fines. In my view, it’s vital to get the message over to this motoring underclass and, importantly, to their friends and families, that driving without insurance is socially unacceptable.
“People need to be stopped before they get behind the wheel of an uninsured car and go on to risk killing or injuring others.”
Apparently the UK motorists are around the worst in Europe for driving without car insurance. Around one in twenty-five people are driving on public roads in the UK without insurance.
This statistic may reduce considerably if these people knew where to look for cheap car insurance.
Tags: Car, Driving, Illegal, Insurance, Mororists, Public Roads, UK
Posted in Cheap Car Insurance, Performance Car Insurance, Womens Car Insurance | Comments Off
Thursday, January 12th, 2012
The storms is the UK may have passed over for this week but insurance provider, the AA has reported a dramatic 200% increase in the last week in the number of calls it has received in its Call Centre’s.
Overall, the calls being made to the AA are considerably up compared to the usual number of calls which have been received at this same time of year in previous years.
The majority of calls regarding insurance, so far, are in regard to claims following the damage caused to property and vehicles as a result of the storms which were battering the UK over previous days.
The most common problems from Car and Home owners being reported to AA insurance included things from damaged roofs caused by fallen tiles through to broken windows to cars caused by loose debris flying through the sky.
It was only last winter that insurance companies in the UK saw a massive rise in the number of claims being made on home and car insurance policies due to the icy and snowy weather conditions. But, this winter the increase in insurance calls are the high winds and storms hitting the headlines. As British
people continue to bear the brunt of this extreme weather it only goes to show just how important it is to have an adequate level of insurance cover for your home and vehicle.
Stormy weather conditions mean that house roofs and cars are coming out as the two areas in which most of the AA insurance calls are being received.
There has been an increase of 12 times the normal ratio to report damage relating to these two problematic areas.
The stormy weather has also had a bad effect on repair work which is needed. The high winds in many Northern regions of the UK have made it far too dangerous for maintenance work to take place on roofs to repair any tile damage.
Home insurance companies are mostly recommending policy holders to get in touch with their provider prior to carrying out any repair work to see if they may be able to arrange temporary repair work. This is just a short term fix to tide the property over until the issue can be resolved properly.
Whilst the effects of the storms vary throughout the country the same warnings can be applied to all. For example, do not drive in severe weather conditions unless you need too and wherever possible keep your
car in the garage to protect it from flying debris, make sure you clear loose objects from around the house and keep up repairs on the house when it becomes safe to do so.
Finally, if something does happen to your car or home then notify your insurer as soon as possible.
Tags: Car, Claims, Damage, Home, Insurance, Storms, UK
Posted in Cheap Car Insurance, Home Insurance | Comments Off
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