Hot Topics

How do I claim if the accident involves a third party?: In insurance terminology, a third party is defined as anyone else involved in an accident who is not the policy holder. Under UK law you are required at all times to have a minimum of act only third party insurance, but in reality most insurers only offer full third party insurance. This insurance will ONLY protect any damage done to third parties involved in an accident, not to your own vehicle. There is also the question of personal compensation, usually this is also covered by a third party policy, if in doubt check your policy documents.
How do I find the cheapest motor insurance premiums?: In order to get the best possible quote for your Motor insurance you should compare and contrast quotes provided by many different insurers. You'll find the difference between quotes can be enormous with a potential 50% difference between the most expensive and the cheapest quote.
How can I lower my Motor insurance premiums?: Many factors influence the premiums of your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. To name a few of the important variables, the vehicle you drive, your gender and your age are all important to the insurer whilst they calculate your quote. Below we have discussed several of these key variables that are within the policyholder's control.
Why do some Motor insurers specialise in just lady drivers?: Every Motor Insurance company is different, each have specific market niches that they try and specialise in, some choose mature drivers, some lady drivers and some young drivers.
Can I use my car for business use?: Class SDP. This class of motor vehicle use is for the policyholder and Named Drivers only using the vehicle for social, domestic and pleasure

What if I have a high performance car?

High performance cars tend to be very expensive, but its not just the buying of the car. It's also the cost of maintaining, repairing it, and particularly the cost of insuring that you need to fully consider. High performance Car Insurance can cost anywhere up to about £10,000 a year, so shopping around can save you a small fortune.

But where do you look for your high performance car insurance? The main car insurance providers often don’t provide the best quote, they shy away from insuring cars that are very expensive or difficult to maintain, because of the costs in the event of a claim. Also, they are often not able to provide the sort of level of service that someone who owns a high performance car may expect.

For high performance car insurance you are usually best to try some of the smaller, more specialist car insurance providers. These providers are more able to offer you a policy that will not only insure you car, but also insure it in the way that you want and need it to be.

You would be better advised to wait until you are over 30 before you try to insure a high performance car, as age and experience are all important for the insurers.