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Choose Powerseeker for Cheap Car Insurance, Motorbike, Van and Taxi Insurance
Posts Tagged ‘Insurance’
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Wednesday, February 22nd, 2012
After analysing millions of home insurance quotes put into their website over the period of a year the moneysupermarket.com can reveal the highest number of claims for theft from the home or garden in certain areas.
Top 10 UK postcode districts which are most likely to claim against burglary on their home insurance:
| |
Postcode |
Location |
City |
Number of thefts per 1000 enquiries |
| 1 |
N16 |
Stoke Newington |
London |
33.6 |
| 2 |
BD10 |
Apperley Bridge |
Bradford |
31.7 |
| 3 |
B71 |
West Bromwich |
West Midlands |
31.7 |
| 4 |
N22 |
Wood Green |
London |
30.3 |
| 5 |
LS13 |
Bramley, Rodley, Swonnow |
Leeds |
30.0 |
| 6 |
LS15 |
Austhorpe, Barwick-in-Elmet, Colton, Cross Gates, Halton, Halton Moor, Scholes, Whitkirk |
Leeds |
28.9 |
| 7 |
BD18 |
Saltaire, Shipley, Windhill, Wrose |
Bradford |
28.6 |
| 8 |
LS7 |
Chapel Allerton, Chapeltown, Little London, Weanwood, Potternewton, Sheepscar |
Leeds |
27.4 |
| 9 |
DN2 |
Intake, Wheatley, Wheatley Hills |
Doncaster |
27.3 |
| 10 |
SW16 |
Streatham |
London |
27.2 |
Julie Fisher the head of home insurance at Moneysupermarket.com said, “Home is where the heart is, and there is no denying that a burglary in your home is an emotional and frightening experience,”
“However, being in a higher risk area doesn’t necessarily mean where you live is bad or rife with crime – many thieves will target more affluent areas purely for the rewards on offer.”
“Homeowners need to be extra vigilant when it comes to security – installing timers on your lights and ensuring items of value are kept away from your windows are easy steps to take to reduce risk. But you never know when an opportunistic thief may strike, so it’s crucial to ensure your home contents insurance is fully up to date, and is at a high enough level to cover all your belongings sufficiently.”
We give you 10 ways to protect your home
1. Be sure to lock all doors and windows and doors before leaving the house
2. Check your locks are in full working order. An industry standard lock can help to reduce your home insurance premiums
3. Keep valuable items out of visibility, away from the window
4. Don’t leave valuables lying about the house
5. Don’t leave your keys in an obvious place – don’t place your keys under the doormat and don’t hook them close to the door as it has been known for thieves to be able to get them through the letter box
6. Get a professionally installed and maintained alarm as it will improve your security and help to lower your home insurance premiums
7. If you can’t afford a full alarm system, then get a fake alarm box fitted as it will work as a deterrent
8. Put your lights on timers to come on at various intervals
9. Install security lighting to keep thieves at bay
10. Lay stones or gravel around the property as the crunch of gravel announces the arrival of people at your property.
Tags: Burglary, Claim, Crime, Home, Insurance, Premiums, Quote, Thieves
Posted in Home Insurance | Comments Off
Monday, February 20th, 2012
Tom Tom and Motaquote have launched a new type of insurance policy which rewards sensible drivers with lower insurance premiums.
This scheme is called Fair Pay, it uses a customised Tom Tom Pro 3100 to collect data and information about how a person is driving, including any harsh cornering and sharp breaking. Fair Play claims the live feedback from the Tom Tom device will help price an insurance policy according to driving ability, rather than the customers’ postcode, gender, age or type of vehicle.
Thomas Schmidt, managing director of Tom Tom business solutions said that the move could help create “greener, safer driving”.
The Company said that if someone considers themselves to be a ‘good driver’ they could get the benefit with lower insurance premiums.
Feedback from the device can be provided to the driver in real-time using a combination of the Tom Tom sat-nav and a tracking unit which is fitted into the vehicle. Information is collected from the device and can be viewed online; including journey details and driver behavior.
Tags: Drivers, Insurance, Lower, Policy, Premiums, Tom Tom
Posted in Cheap Car Insurance | Comments Off
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
Friday, February 17th, 2012
It’s not necessarily the best option to choose the cheapest van insurance you can find. It may not offer you the level of protection you require from your van insurance.
As with most things in life, if the van insurance sounds too good to be true, then it probably is.
The cheapest van insurance quote does not necessarily mean it will be the worst policy, but it may also not be the best for you.
It’s vital that you consider that you could leave yourself short in the event of an insurance claim when you obtain a van insurance quote by simply just choosing the cheapest van insurance policy possible.
Make sure you choose a van insurance policy that provides you with the accurate level of cover to suit your personal needs.
You may wish to stay with a larger van insurance company or a name that you feel you can trust. Just check they include the level of cover in the van insurance policy they have on offer by reading the policy documentation or asking them questions before you make the final decision to buy.
If the policy does not cover all your requirements, then you could take advantage of the optional extras that most Insurance companies can offer you.
Purchasing these additional extras could provide you with a level cover that you would not have in a basic van insurance policy and can ensure you remain on the road and continuing business where normally you may be stranded.
If in doubt, don’t be afraid to compare Van Insurance quotes using Powerseeker, or utilise our website to gather information to help you find out which van insurance policy may best suit you and your business.
The Powerseeker website is packed full of information about vans, insurance guides, security information, insurance extra’s and much more to arm you full of information to help make your choices easy.
Tags: Cheap, Compare, comparison, Insurance, Policy, Quotes, Van
Posted in Cheap Car Insurance, Van 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
Tuesday, February 7th, 2012
The 2012 sales are on, so there is no better time to try and find the best deals to kit out your caravan to try and save money on your insurance premiums.
Although it may be tempting to try and cut corners on security in order to save money it is worth remembering that many industry-approved safety and security gadgets could save you between 10% – 30% every year on your insurance. However, there are so many caravan security gadgets on the market these days that it is often difficult to find which ones are the best to buy in order to save you the most money during policy renewal time.
If you can afford to, then it is best to go for the top-end security products as these will offer you the best savings on your caravan insurance premiums.
Towergate’s Caravan Insurance expert recently explained to the ‘Caravan Times’, “It really is worth paying that little bit extra for a premium security product. Look for the Thatcham or Sold Secure label, as this will tell you that you’ve got an industry-approved device.”
The expert then continued to explain that insurance companies often split caravan gadgets into two main categories when working out the cost of premiums. Firstly, there are the chassis wheel locks such as the Al-Ko Secure which are likely to receive the largest insurance discount of up to 25%. Secondly, there are further products to get a bonus reduction including the Phantom tracking device and the Thiefbeater deterrent system which is currently the best on the market.
However, the items named above in this article usually cost upwards of £100, so it really depends how much money you have to spend on such security devices up front.
If you only have a small budget to spend on caravan security items then it may be best to focus on items like a basic wheel clamp or an alarm system as these cost anywhere between £20 – £30 and can also get you smaller discounts on your insurance when it comes to renewing that policy such as up to 10%.
Prior to spending any money at all on security tools it may be best to work out up front how much each device could save on your insurance; by doing this you could work out which is the most financially viable option to select.
Tags: Approved, Caravan, Industry, Insurance, Policy, Premiums, Safety, Save, Security, Thatcham
Posted in Caravan 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
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