Comparing Specialist Car Insurance Just Got Easier!

Specialist Car Insurance Comparison Website Adds New Insurer To Panel
Press Release from Car-Insurance.TV

Dated: Mar 27, 2010

Comparing Car Insurance just got easier with the launch of a new specialist car insurance comparison system from Adrian Flux and Car Insurance Television.

The UK's specialist car insurance comparison website Car-Insurance.tv has announced that it has added motor insurance specialist Adrian Flux to it's ever growing list of partners, allowing it to provide quotes for a much wider section of the car insurance buying public.

A spokesperson for the car insurance comparison company said,
"We are very pleased to welcome Adrian Flux Insurance onto our car insurance comparison system. The addition of Adrian Flux Car Insurance services to our website users allows us to offer much wider covers to all members of the public including those with convictions and medical needs who cannot get or are refused cover from the standard insurance companies and their websites."

He added, "Furthermore it allows us to expand our already large area of specialist schemes to provide cover for just about every type of vehicle ever manufactured. We are now able to offer instant cover for Q plated , kit cars and even quad bikes and trikes right through to specialist schemes for the luxury, performance and prestige end of the market, such as our Lamborghini or Bentley cover schemes."

"Our mission at Car Insurance Television is to provide the cheapest and widest car insurance covers in the UK and to make them easily accessible for the buying public who have in the past often been kept in the dark by the larger organisations about the availability and competitive premiums that are offered by smaller company car insurance schemes."

Amongst the new types of specialist car insurance that are now available from Car-Insurance.tv are
schemes for:
Young Drivers
Female Drivers
Drivers with 2 or more previous Accidents / Claims
Drivers with 2 or more driving convictions
Drivers with any criminal conviction
Any driver with disability or medical condition
Any person who has had insurance refused / cancelled
Drivers over 75 years old
Drivers with non standard occupations i.e. Footballer, Actors, publicans etc

You can find out more about these covers by visiting http://www.car-insurance.tv or by phoning for quotes and advice on freephone 0800 089 0182

Category Car insurance, Classic Car Insurance, Specialist
Tags car insurance, classic car insurance, specialist car insurance

City/Town Central London
State/Province London
Country United Kingdom

specialist car insurance

Compare 4X4 Insurance Quotes and Schemes at new 4X4 comparison site

New Specialist 4x4 Insurance and Off Road Vehicle Insurance Comparison Website Launched

A new specialist 4X4 insurance comparision service has been launched by the UK's leading specialist car insurance comparison website Car-Insurance.tv. The site allows 4X4 owners to find quotes, policies and cover, for their four wheel drive vehicles.

Compare 4x4 Insurance Quotes & Schemes

FOR IMMEDIATE RELEASE

PR Log (Press Release) – Jan 15, 2010 – Car-Insurance.tv have today announced the launch of a new specialist 4x4 insurance comparison online application available at http://www.car-insurance.tv/4x4insurance.html

A spokesman for the company, Dave Healey, said that the system has been designed to cover all 4X4, 4WD, AWD, Off Road cars and high performance 4X4 vehicles with central differentials and multi-clutch systems. The policies offered include typical usage extras sought after by 4x4 owners such as towing, extra laden weight and off road cover.

The 4x4 insurance schemes are available to everyone and our system will find you cover even if you are a higher risk customer such as a Young Driver, have had Accidents / Claims, 2 or more driving convictions, Any Criminal conviction, Any driver with disability or medical condition or even Any person who has had insurance refused / cancelled.
Cover is also available for both the Channel Islands & Isle of Man covered

Customers who own 4X4's but have Non standard occupations i.e. Footballer, Actor etc can also be covered.
The system allows you to compare 4x4 insurance quotes and covers for all makes and models of 4X4 and four wheel drive cars, including all models from the following manufacturers: BMW, Ford, Jeep, Hummer, Jaguar, Land Rover, Lexus, Mitsubishi, Nissan, Subaru, and Toyota to name but a few of the makes available at the 4X4 insurance comparison website.

specialist car insurance

Car Insurance Premium Hikes Set for 2010

It looks like the UK motorist will be paying a lot more than what they have been used to for Car Insurance in 2010!

With both car insurance comparison website car-insurance.tv last week predicting a hardening market for and now the AA predicting massive premium hikes this is unwelcome news for both the private car owner and the UK economy as a whole, which hardly needs any more inflationary pressures.

Owners of specialist or expensive cars are more likely than the competitive middle market, to feel the brunt of the car insurance premium hikes.

Here's what Insurance Blog has to say on the matter..........

UK Car Insurance Rates Must Harden As Loss Making Companies Claims Reserves Run Dry!

Incredibly Car Insurance companies in the UK are struggling to make a profit and 2010 is likely to see a large reduction in the supply of car insurance, with many famous brands and suppliers predicted to disappear from the high street and our television screens as the market adjusts to cater for the massive losses, according to analysts from car insurance comparison website Car-Insurance.tv.

Recently released figures show that the UK Motor Insurance market has been consistently losing money since 2004 when the total UK profit from underwriting car insurance policies was £77 million.
In 2007 the UK car insurance market made a £1.1 billion underwriting loss, last year the loss was £1.3 billion and the figures for 2009 are expected to be worse........

Very few car insurance providers have escaped the losses and are profitable, whilst many have released claims reserves held from previous profitable years to disguise the 'actual ' loss.

So what is causing such massive losses in a large compulsory market that not so long ago was the most aggressive in the world?

On the face of it the answer appears to be simple ...... The Cost of Claims!

Claims are the problem not because the Car Insurance Companies have failed to include the rising costs of claims into their pricing structures; but because they have failed to cover the true costs in the retail price!

Car Insurance underwriters seem to have forgotten the basic rules of betting when setting their prices - and that is, that the Bookie never loses.......

To understand where the car insurance underwriting companies have gone wrong you first need to examine how they arrive at the price of a car insurance policy premium.

The cost of your car insurance premium is basically made up of three components:

1. The costs of production - Staff, Systems, Distribution etc
2. The costs of losses - known claims ratios ( the proportion of a policy premium pool that gets eaten up in claims)
3. Profit

The cost of all these components can be calculated by clever people called actuaries who work for the insurance companies and the rates set accordingly.

So what's gone wrong?

Well naturally it is obvious to first look at claims as the cause of the losses - but the truth is far from this end of the life of a car insurance policy......

The frequency of claims has either fallen or remained fairly constant over the period of losses and the actual cost of claims has only risen by 1 percent.

Despite all the noise made about gangs of car insurance claims fraudsters roaming the streets of the UK, the fact of the matter is that most of this is propoganda aimed at deterring fraud which naturally rises during a recession/depression. The number of fraud cases are really insignificant in the true scale of the market to affect pricing.
Admittedly there has been a significant increase in the number of personal injury related claims, egged on by claims farming companies, which would affect long term pricing, however the losses experienced by Car Insurance companies are nothing to do with claims and claims pricing.

These type of claims fluctuations have always been dealt with successfully in the past by car insurance companies by adjusting reserve ratios or negotiating better re-insurance ( laying the risk off), or more importantly by adjusting price ........

But this time something is different....

Car Insurance Companies can no longer set the price! Not if they want to win the business anyway!
And they certainly cannot sell policies at the premium levels that the Actuaries suggest!

Why? Seemple .......The Internet!

And more importantly Car Insurance Price Comparison websites or aggregators as they are known in the industry, which account for around 90 percent of the Car Insurance sold online. Since around 2004 it has been possible to easily compare car insurance quotes online from numerous suppliers, and invariably the cheapest premium wins the business.

Car Insurance companies not longer set their own prices! And this is the problem!
In a race to achieve enough volume to make a book of car insurance business profitable the car insurance companies have been selling their car insurance polices too cheap and covering their losses with their claims reserves........time is running out!

For the consumer then as we enter 2010 it looks as if the best policy is still to visit comparison websites where you will be offered a choice of suitable policies at the most competitive prices.
If you stay with your current insurer - expect large premium hikes at renewal!
Shop around for specialist car insurance as prices are going to vary widely.
Visit a specialist car insurance comparison website as there will be many offers to be had as companies try to secure volume of car insurance policies.

specialist car insurance

High Performance Car Insurance - Not just Ferrari Insurance!

Specialist car insurer Insuretec has announced that the latest of its specialist car insurance comparison systems, dealing with high performance car insurance is now online.

Spokesperson for the company, Patricia Powell, which operates the UK specialist car insurance scheme comparison website said,
"This new venture which brings together over eighty high performance car insurance schemes, and allows customers to compare products and tailor bolt on covers is a follow on the success of our make model insurance comparison applications, for example the Ferrari Insurance comparison.



Specialist Car insurance is growing and more schemes are being added all the time as various providers cater for more niche groups in an ever competitive market. Our website allows customers to get the best cover for the best price, and with the price of high performance car insurance, we beleive and our customers report that we are providing a valuable service!"

specialist car insurance

Jaguar Insurance - UK Jaguar attempts to raise £1 million for charity.

UK Jaguar attempts to raise £1 million for charity.

By Blogger Kris Oldland

As one of the most famous names in motoring the Jaguar brand defines style, elegance and quality. So it is no surprise that when a new brand line is launched there is always some what of a stir amongst the motoring fraternity.
However, this time the Coventry based luxury car giant is announcing its latest line, the XJ with even more splendour than usual and other than raising the profile of their latest dream on wheels they are also quite admirably hoping to raise some serious money for charity at the same time.

In an effort to raise over a million pounds for the UK based children’s charity the NSPCC the kind folk at Jaguar are offering all performance car enthusiasts the opportunity to get their hands on the first customer-ready model before anybody else in their new prize giveaway.

Entrance to the competition costs £125 per ticket and the good news for Jaguar fans is that they can buy as many tickets as they want to improve their chances of winning this fantastic motor which is retailing at a cool £62,000.
The competition was launched by Geoff Cousins, the managing director of Jaguar UK who commented on the new line saying “Our new Jaguar XJ is a blend of stunning design, intuitive technology and innovative thinking” Scheduled for general release at the beginning of 2010; the XJ is available in four different specifications: luxury, premium luxury, portfolio and supersport.
All the money that is raised through the promotion is to be delivered to the charity’s three year-year funding drive, which is aiming to improve the service on helplines which offer children and also adults concerned about young peoples welfare a line of communication.

However should you be the person lucky enough to win this motoring delight you certainly want to ensure that your Jaguar insurance is up to date should you be intending to stop off in Chislehurst in Bromley, London as it has recently awarded with the dubious award of having the highest amount of motor claims involving theft within the United Kingdom.

Also residents of Wingate, Cleveland and Redbridge, Ilford may want to make sure that they have a strong policy in place as well as a reliable vehicle alarm as both areas finished high on the list of vehicle theft hotspots as revealed by the study published by comparison website moneysupermarket.com.
Head of Motor insurance at the comparison site Steve Sweeney commented "The research reveals a broad mix of places across the country are at risk, highlighting the issue that no matter where you live there is always a chance you could become a victim of theft and motorists should take this risk seriously,"
Sweeney also urged drivers to remove any valuable from their vehicles every time they leave no matter how short the stop as the temptation of an opportunist crime can often lead to the full theft of the car particularly when the vehicle is a non-standard or performance car studies have shown.



Compare Jaguar Insurance Schemes Online

specialist car insurance

How to Find Cheap Car Insurance

Finding Cheap Car Insurance Online
By Dave Healey

Finding cheap car insurance can be like looking for a pot of gold at the end of the rainbow. Everybody is looking to make savings on their annual motor insurance premiums as the recession bites. We offer 7 proven money saving tips that will help you purchase cheaper cover online.

1. Improve you car's security to deter theft

Virtually all modern cars and newly bought vehicles have in built anti-theft devices and alarms. As long as they are approved by the UK Government testing agency known as Thatcham, you will receive substantial discounts for implementing one.
Extra and additional security measures such as window and glass etching of your cars number plate details and engine number will command further discounts with some insurance companies.

2. Pay for the cover upfront

You could save as much as twenty five percent on your annual premium charges if you pay for the whole years cover upfront, at the time of purchase. Most car insurers charge this amount in interest over and above the basic premium cost, for the privilege of paying for the cover in installments or by credit card. Additionally avoid untried pay as you go insurance schemes - you may be in for a very unpleasant surprise.

3. Do not change cover mid-term of the policy

It is also a wise move not to change your car insurance provider in the middle of the current policy term. Primarily it is going to cost you more, as canceling an existing policy will only get you a small return on your annual premium and not a pro-rata payout for the amount of time you have left. Secondly it is highly likely that car insurance premium rates will have hardened or risen over the course of a policy and changing mid term will only ensure you pay more earlier.

4. Do you own more than one car? Try a Multi Car policy

If you own more than one car and perhaps have separate policies for these or for your wife, partner or children it would be worth your while investigating multiple car or mini fleet family policies. You may be surprised at how much you can save on annual premiums if you insure multiple vehicles under the same cover. Quite often the cost of insuring two cars can be virtually the same as one, particularly if one car is much more expensive than the other.

5. Keep an eye out for Group Discount policies.

Many car insurance companies offer premium discounts on cover if you belong to certain clubs or are affiliated with certain organizations. When purchasing online keep a look out for affinity codes, usually your membership number, in order to obtain what are often substantial discounts for being a member of a certain risk group. Visit a specialist car insurance company or apply for your groups car insurance scheme through your motoring or leisure organization.

6. Take on some of the risk yourself!

You can substantially lower premiums if you take on some of the risk that the policy covers, yourself. You can do this by increasing excesses, which is the amount you will have to pay in the event of a claim before the insurance company pays out. Voluntary excess is one such example. Be careful to weigh up the costs of any excesses and whether you can afford them in the event of a claim. There are now certain 'value for money' car insurance policies such as the one offered by Tesco Car Insurance which have very high policy excesses in return for very litlle premium! These are good if you can afford the first 600 of any claim!

7. Improve your credit rating

Most online insurers as soon as they have your name and address will automatically make inquiries to one of the big consumer credit firms such as Experian. Before you have finished filling in the form the car insurance application will know whether you are credit worthy or not. If your credit score appears bad the insurer will probably weight the policy rates against you as they either do not want your business or perceive you to be a greater risk of claiming.

As with all insurance, you can be guaranteed money savings if you take the time and trouble to investigate alternative policies and compare companies cover and quotes on the Internet.

You can find out more about how to purchase, find and compare cheap car insurance quotes online if you visit a specialist car insurance website that compares multiple car insurance schemes and policies and offers you wider cover.

Original Article Source: http://EzineArticles.com/?expert=Dave_Healey http://EzineArticles.com/?Finding-Cheap-Car-Insurance-Online&id=2453854





Car insurance

Tesco starts its own Specialist Car Insurance Company

Tesco the UK's larget supermarket chain has finally take the leap and formed it's own Tesco car insurance company.
Tesco Insurance Ltd is half owned by Tesco and the other half by the underwriting company, Belgian Insurer Fortis. In the past Tesco personal finance, the financial services arm of Tesco, has had underwriting deals for it's car insurance with the Government owned RBS and UK Insurance.
In recent years the company has been marketing exclusively to the cheaper end of the UK car insurance market, particular examples include their 'value' range of cheap car insurance and motor insurance policies and their forays into the aggregator car insurance market with Tesco Compare; however, with the new company all this is set to change.



The success of these ventures and the new partnership, had led to growth into other areas of the more niche UK Car Insurance Market and our marketing department have noticed Tesco's spend on online advertising for the specialist and classic car insurance market has risen dramatically in recent months.
Whether Tesco will bring it's usual success to these specialist car insurance markets and become a classic itself, remains to be seen.......

specialist car insurance

Compare Classic Car Insurance

How To Buy Cheaper Classic Car Insurance Cover

Do you own a car over fifteen years old? If you do you may well be entitled to cover it under what is known in the industry as a classic car insurance policy. In the past there were many more restrictions on cover under this type of policy and specialist motor insurance brokers and insurance companies were very particular about the type, age make and models of the cars they wished to cover on their books.

Times have changed and technology has led to many more cars now fitting into a bracket that was once reserved for the glamourous, collector and vintage car owners. It is now possible to obtain both cheap quotes and classic car covers online from many providers including the majority of those famous high street brands, who have realised that nearly fifty percent of the cars on the road now fall within the strict underwriting parameters for classic car policies. Consequently premiums in this market, which were always cheaper than standard cover, have become much more competitive in recent years, with the entry into the market of many of the larger insurance companies.

When searching for the right covers it is wise to get a range of classic car insurance online quotes from various different sources. Not all motor companies are the same, and neither are all classic policy conditions.

When applying for a classic quote you should be aware of the varying limits of cover and restrictions that may be put on driving the vehicle. For example many of these policies will only allow you very limited road mileage each year, sometimes as little as 3000 miles per annum. This is fine if you have an expensive collectors car that is garaged throughout the year and only taken out for the odd cruise or rally. The problems occur much more frequently when non valuable classic cars are insured under this type of policy when they should really be covered under a more embracing standard motor insurance. Unfortunately, restrictive policy conditions often only come to light after an accident and a claim is made, rejected by the insurer and leaves the policyholder feeling missold and abandoned.

If you have decided that a classic car policy is right for your car, then when applying for quotes online always check that the policy is right for you, the owner as well. Many policies are designed to charge by the lifestyle of the insured and as with all car insurance there is a tendency for cover to be cheaper for older persons and women drivers. Many companies will not issue classic motor insurance to persons under the age of twenty five, although this is changing as well, and there are some very good providers out there who will cover drivers as young as twenty one.

If the value of the car is not particularly high and the replacement costs of parts and repairs does not warrant a specialist policy, you may well be better advised to seek out quotes from a mainstream insurance company. They often have additional online discounts and offers which the classic policy providers are not in a position to offer.

As with all car insurance, what may initially appear cheap at policy inception could cause some unpleasant surprises when it comes to making a claim.

Shop around for specialist car insurance and Classic Car Insurance.

Compare policy prices and insurance covers from both major high street brands and the smaller insurance specialists to ensure you not only get a good deal, but get the adequate levels of cover you require for your classic car, as well.

Originally published by our in house resident classic car expert Dave Healey
Cheaper classic car insurance article source

specialist car insurance

Specialist Car Insurance Covers Specialist Repairs If You Need To Claim

Does Your Car Require Specialist Car Insurance and Repair Services?

When choosing a car insurance policy it is wise to consider what is offered in the event of a claim. After all, you are only insuring the car to have the potential to make a claim and the cover is only as good as the car insurance company's claims department.

Although price is most peoples consideration when purchasing car insurance, one of things you should not overlook is who is going to repair your car if it is damaged? Do you own a non-standard car that requires specialist cover? Surprisingly a large number of vehicles fall into categories that the majority of mainstream insurance companies do not want to cover!

Such examples that may struggle to obtain motor insurance at reasonable rates are owners of performance,prestige, expensive, luxury, foreign, sports, convertibles, modified, veteran, collectors and classic cars. More importantly if you are the owner, if something happens and you need to make a claim on your policy, it is important that your car gets fixed by specialist professionals, using the correct parts. More often than not these type of car repairs require unique tools that are only available through specialist engineers and motor repair shops.

So it is most important when comparing car insurance to also compare the services that a car insurer offers in the event of a claim, especially those regarding choice of repairer.

All specialist car insurers and many insurance companies will offer a choice of repairer - many others will not as they have existing arrangements with so called approved repairers.

Trouble arises when an insurance company insists on employing a particular firm to fix the car against the policyholder's wishes, and it is not uncommon for major disputes to arise at this point.

For example, the insured may have an expensive Italian sports car bought from an exclusive importer and specialist firm of dealers who added a number of accessories and or modifications to the car at the insured's request at the time of sale; the same firm may have performed all the routine servicing since the sale and the insured may genuinely feel that they 'know' his car better than anyone else could, and that only they, in consequence, should be entrusted to carry out the repairs.

If the repair work quoted in an estimate by the specialist firm is substantially higher than that expected from the approved repairer and the car insurance claims department consider that the approved repairers are capable of carrying out the work to the same standard as the specialists , then the only way out of this impasse is usually for the insurance company to suggest that the insured pays the difference!

Clearly then it is very important to understand what you are buying with your policy when it comes to claims and repairs. Specialist car insurance policies always offer unique claims repair services and if you own an unusual, expensive, classic car or performance motor, then it would be sensible to opt for a policy that includes these repair services to avoid the above situations. What might look like a cheap policy might turn into fools gold in the event of a claim!

Dave Healey is a specialist car insurance expert and UK classic car insurance journalist who writes regularly at the Car Insurance Blog.

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Does-Your-Car-Require-Specialist-Car-Insurance-and-Repair-Services?&id=2370494

Car Insurance Money Saving Tips!

Car Insurance Money Saving Tips

It can be quite a daunting experience trying to purchase car insurance, and with the myriad of products and sales channels available today, it is often difficult to know where to start the process. It can be even more complicated when you start to look to reduce your premiums without sacrificing either your levels of cover or increasing your risk.

As most car insurance is basically rated by your birth date and age, and your postcode or zip code, short of moving property or growing older, it often appears that reducing your vehicle insurance premiums is an impossible task.

This is not necessarily so! Whichever method or distribution outlet you use to purchase car insurance, if you consider these twelve money saving tips, implementation of any one will virtually guarantee a reduction to your premiums at both onset of a policy or at renewal. By simply making changes to any one of these premium rating factors that go to make up the quotes you are given, will result in an alternative quote which should be to your favour.Don't automatically renew your policy with the same company. It is virtually guaranteed that you could get like for like cover cheaper with another insurance company if you shop around and compare covers and prices from different providers.

1. Investigate on the Internet - Visit different suppliers

If you were getting paid at least £150 or $200 for two hours work, you should be pleased. That is the minimum you should look to save on your annual premiums by spending a couple of hours shopping around for quotes on the Internet.

Visit a car insurance supermarket comparison site. If the premiums are too expensive but you like the cover offered by a particular insurance company then, visit the supplier direct and cut out the expense of the middleman.

The large motor insurance comparison sites you see advertised all the time on television will send you off to the suppliers site themselves to complete 'the deal', so its best to close down the application, clear the cookies from your browsers memory to ensure that you are not charged their commission inclusive rates, and visit the insurance company direct.

Additionally you should visit a specialist auto insurance scheme provider. These were once only available on the High Street but are now springing up everywhere online. No matter what your particular individual needs, be it lady driver cover or perhaps classic car cover, specialist car insurance providers by their very nature usually offer cheaper quotes as they benefit from the economies of scale allowed by group buying of cover.

2. Do your market research

Who is offering deals on television at the moment? Everybody who seeks motor insurance is an individual with a different car and individual cover needs dependant upon their circumstances. Write down what you think your exact cover needs are and think about where you might find providers for your individual needs. For example, if are you a senior citizen, you should search on the Internet for specialist car insurance schemes for over fifties.

3. Go for a no frills policy

If you are not worried about quality of cover and only require basic road risks, go for one of the many policies now being offered by insurance supermarkets as 'value car insurance'. These policies usually only offer the very basics of cover required under the Road Traffic Act, however may be very suitable for low mileage, cheap cars and younger drivers.

4. Only pay for the cover for what you need

Why pay for car breakdown insurance or other sometimes hidden extras such as the cost of including a replacement vehicle should you have an accident, when you already have AA breakdown cover and another car sitting on the driveway at home that you could use. Check your existing policy cover details carefully and exclude all unnecessary or duplicate covers.

5. Take on some of the risk yourself with higher excesses

With Car Insurance you have two basic options for taking more of the risk on yourself. These being, one by choosing how much cover you require in the first place, that is, either comprehensive or third party, perhaps with the fire and theft options included. Secondly you are given the option on most systems to choose how much of the cost of damages of an accident you are prepared to take on board yourself, before you call on the insurance company to make a claim. This is known as the voluntary excess and is the amount that will always be deducted first from any amount you claim. If the cost of repairs of an accident are not much more than the voluntary excess amount you have chosen then it would be prudent to pay for the repair costs yourself, rather than lose your no claims bonus.

6. Reduce the cars risk with improved car and location security

If you park your car off road or garage it at night you will receive further discounts. If you own a classic car which does not have them fitted as standard, fitting security devices, for example car alarms, immobilizers and GPS trackers to your car will substantially reduce your premium

7. Improve your driving or change your lifestyle

If you need to make a claim because of the way you drive, or if you have more than one SP30 for speeding, your premiums are going to be heavily loaded at renewal. You can reduce your insurance costs therefore by improving the way you use your car or changing your lifestyle.

8. Cut down on your Car's Usage and annual mileage

By thinking about how you use your car and reducing unnecessary journeys you will be cutting down on your cars usage and by implication the risk you present to a car insurance underwriter. Check how many miles you run up each year and make sure that this is what you are paying for! Do not make a false mileage declaration in an attempt to save money because in the event of a claim, your mileage and MOT if applicable will be noted by a claims assessor. If there is significant difference between the declared mileage and the actual amount you have driven, you risk having the claim refused or seriously reduced in value.

9. Pay the full premium amount upfront and avoid charges.

Most UK car insurance companies charge additional costs for handling monthly direct debit payments. There is often a five to ten percent effective discount if you pay immediately online or over the phone by debit card.

10. Investigate Specialist car insurance and Car Insurance Schemes

Investigate insurance specialists that target specific groups of people of car type, for example performance motor insurance or cover for young drivers. These schemes offer with unique policy options and cover modified for the particular specialist driver group. They are often far cheaper than standardised covers offered by comparison sites as they have group bulk buying economies of scale regarding underwriting and claims and a known risk pool of similar types of people and car.

11. Join a Car club

Many car owners clubs and specialist marques clubs have special affinity group rates for specialist car insurance schemes. The cost of getting membership of these clubs can often be less than the five to ten percent savings you can make on your premiums by joining such a scheme.

12. Take an Advanced Driving Course

You can save a further large percentage with most online insurance companies if you have taken an advanced driving skills course or ADC. The courses are run nationally and the cost of the course is outweighed by the annual savings you will make on your insurance premiums. The savings are greater for young drivers and this is one of the few positive actions that a young driver can make to reduce his or her annual vehicle insurance costs.

And Finally - Haggle!

And here's an extra tip which we often find works when all else fails. Complete a quote on the Internet for the policy you desire with the company you like. Do not complete the quote beyond the screen where the premium prices are displayed, merely save the quote reference number. Quotes are usually legally binding for thirty days.

Leave it a while then pick up the phone and call the insurance company. Tell them that you've had problems completing the quote online. They will ask you the quote reference number and then have all you details in front of them. When they tell you the quote amount (which you should know already), tell them that you've got a quote that is, say a hundred cheaper at so and so company, and ask if that's the best they can do. Just by haggling you will be surprised just how much you could save on your car insurance costs!

Dave Healey is a specialist car insurance expert whose field of expertise extends from underwriting Classic Car Insurance polices at Lloyds , to designing car insurance supermarkets online.

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Twelve-Car-Insurance-Money-Saving-Tips-For-Much-Cheaper-Premiums&id=2141735

Comparing quotes for Classic Car Insurance online

Welcome to our new blog about specialist car insurance. We open with one of our guest writers who is a specialist in classic car insurance

How To Compare Classic Car Insurance Online

Author: Dave Healey

Comparing car insurance online can be a minefield for any people, with so many options available online at the click of a mouse, it is often confusing, a problem that is exacerbated if you own a classic car and require specialist car insurance.

So how do you choose firstly a website, then a company, then the policy, that is going to be right for your prized possession, your cherished classic car?

You could like the majority of people start off by visiting a large car insurance comparison site, such as the ones you will see advertising during virtually every commercial break on television. don't expect to find any bargains at these types of sites. They are designed around standard polices for standard vehicles, and although many of these sites willl now quote for classic cars, the premiums are often heavily loaded and more often far from competitive. Having spent time filling out the application form online it can be disappointing to find that most companies on the comparison panel are refusing to quote for your particular classic, or have loaded the premium as the do not want your business. For the majority of the large car insurance companies, classic cars mainly equate to expensive claims, and not profitable target business.

When comparing what can at first appear to be, cheap classic car insurance through one of thee large supermarket distribution outlets, be very careful to read all the wordings in the small print, paying particular close attention to the information regarding claims.

If you own a classic car you need to ascertain that in the event of an accident your classic car will be taken to a specialist or maker approved repairer and that only genuine replacement parts will be used on your car to repair it. Unfortunately you will find that most mainstream car insurers have a network of approved repairers nationwide, and will often insist that cars covered under their policy contracts must be repaired through these outlets. In situations such as this, what appeared to be a bargain cheap car insurance deal at source, could prove to be a very expensive mistake.

The solution to the problem is to approach a specialist car insurer or broker, in particular one who has experience in underwriting classic motors, and preferably has a large book of business of classic car insurance. Unlike in many other professions for example healthcare, a specialist in car insurance is often cheaper than the High Street names and offer better value quality cover that can be tailored to the requirements of your specific classic car make and model. By specialising in a particular market niche these car insurers have developed group schemes for virtually every type of classic. By joining one of these schemes you are joining a risk pool of like minded individuals and similar cars. The specialist car insurer is able to determine more accurate rates for a particular classic and you will also benefit from the power of group buying which delivers economies of scale in the form of shared risks and cheaper premiums.

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With the demand for specialist car insurance rising, there are now many websites where you can compare car insurance online and specifically specialist schemes, covers, and rates for classic car insurance. When comparing both covers and premiums it is essential that you make comparisons on a like for like or similarity basis, including the arrangements for settling a claim.

Article Source: ArticlesBase.com - How To Compare Classic Car Insurance Online