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Do you feel that your insurer is ripping you off? If you do you’re not alone. In fact the House of Commons Transport Select Committee produced a damning report on the subject recently, giving the cost of car insurance a high profile and forcing the Government to take action. The Cost of Motor Insurance report calls on the Government to force Read more »

I have written about this before but having read something shocking I thought it was about time to address it again. Here is what I read: ‘More police die driving to and from work than die fighting crime. And more firefighters die driving to and from work than die fighting fire.’ That is frightening isn’t it? Staff cutbacks and pressures on staff to put in greater Read more »

The net is closing in on those that don’t insure their cars. The new rules that have just come into force enables the DVLA to clamp your car and even scrap it if you have no insurance on it. The new rules, entitled Continuous Insurance Enforcement extends the powers of the DVLA beyond issuing driving licences and vehicle registration documents to Read more »

If you are a regular reader of my blog and newsletter you will have read my recommendation that if you are applying for insurance online that you change the parameters around when you state whether your car is parked in a garage, on a drive or on the street. We found that many applicants lie about their garage, which is full of kids toys and the freezers, but thinking that a garaged car would save money say that the car is usually in the garage overnight. Or at worst parked on their drive. In Read more »

Having a Thatcham alarm fitted on your car can reduce your insurance premiums, in some cases quite substantially. But questions have arisen about the quality of fitting of these alarms, which, if fitted incorrectly could invalidate your insurance if the car is stolen and due to faulty installation the alarm didn’t activate. In order to overcome this Thatcham have now introduced a new scheme to approve fitters that Read more »

Auto Express has uncovered a potential hugely dangerous oversight that many drivers may make when taking out insurance. Most of us are aware that we need to provide details of any modifications carried out on our cars when we complete the application form but few would consider the fitting of a towbar as a modification that could invalidate the insurance if not declared. When one of their readers tried to renew Read more »

When a driver takes out a fully comprehensive insurance policy he is probably aware that when the policy states that he is insured to drive any vehicle provided he has the owner’s permission he is usually only covered for the basic requirements under the Road Traffic Act 1988, ie. cover against third party only. However, few are aware that this cover does not extend to named drivers, they are only insured to drive the car on which they have named driver cover. Check your policy carefully before driving any vehicle. By Graham Hill

New rules will be introduced next year to speed up insurance payouts following car accidents where liability is accepted. The Ministry of Justice said the agreement will streamline road traffic accident personal injury claims between £1,000 and £10,000 – around 80% of all motor personal injury claims. The new process comes into force in April 2010. It means, where fault is not disputed, Read more »

Finally, it’s happened, a company has brought out an insurance policy to cover the ever growing end of contract refurbishment charges for cars and vans that will be returned to the leasing company at the end of the lease. The cost of the policy will range between £290 and £350 for a standard family sized car and it will cover vehicle damage over and above fair wear and tear up to £1,500. This may seem like Read more »

As drivers continue to feel the pinch of recession insurance groups warn about the dangers of not telling the truth when taking out car insurance. Every claim is now being closely scrutinised as a result in the upsurge in fraudulent claims, as explained in my recent crash for cash fraud item. As a result lies or mistakes made at the time of proposal is causing claims to be rejected so great care needs to be taken when completing proposals or you may not only find a claim rejected but Read more »