Hot Topics
- How do I make a claim on a Motor Insurance policy?
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You should also take the time to familiarise yourself with the claims procedures at each new motor insurance company you use. Each company has a slightly different claims procedure, it is imperative that you understand both what is covered and how you should approach making a claim against your policy.
- What Do I need to do if using my Car abroad?
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No matter where you go in Europe, be it Ireland, Wales, Scotland or the mainland, you are covered for at least the minimum level legally required in that country with your UK motor insurance policy.
- What are the road tax rates by specific type of vehicle?
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The collection and administration of road tax is done by the DVLA (Driver and Vehicle Licensing Agency). The DVLA is responsible for all regions of the UK. Their aim is to facilitate safe and responsible driving throughout the UK. In addition to road tax they are also responsible for keeping a registry of all vehicles and qualified drivers.
- Who should I contact should I wish to report a problem with an Insurance Company?
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The general insurance industry is now regulated by the Financial Services Authority (FSA).
- Am I insured to drive someone else's car?
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Many motor insurance providers will allow their comprehensive policy holders to drive any other vehicle, as long as it is already insured by another driver. This means that you can drive your friend's car BUT it is likely that you will only be insured to third party level.
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.
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