The role of a car insurance broker is to act as an intermediary between the customer and the underwriting Insurance Company. Within this role there are various functions that they carry out in interaction both with the car insurance buying public and the Insurer with who they place the business.

When a broker places car and motor insurance risks on cover, their role has a major difference to other types of insurance in that the spread of risk is smaller. This is because a very high proportion of motor business is eventually placed on the basis of ‘one risk, one underwriter’ – that is to say, a Lloyd’s underwriter or Motor Insurance company.

When a member of the public goes to a motor insurance broker they expect that the broker should be fully aware of all the covers available and offered in a standard car insurance policy and a commercial motor policy. A broker also should be knowledgeable about the differences in policies and prices offered by the various Insurance Companies and underwriters with which his brokerage does business.

The Car Insurance Brokers role does not just stop with the supplying and purchasing of the insurance. They should be available to act as an intermediary with the Insurer at any time, acting upon the client’s behalf should there be any changes to the policy mid-term of the contract period, or to deal with any claims that need to be made.

The two main insurance areas dealt with by the car insurance broker are the private individual’s motor policy and the commercial fleet motor policy.

A marked tendency in the large broking house during recent years has been to concentrate more and more on the commercial motor insurance fleet placings, and less and less on the private sector of the market.

Many large international insurance brokers view the private motor insurance as uneconomic for a fully sustainable business, and so specialist sub-brokers or large provincial and regional brokers are dealing with a greater proportion of this class of motor business.

Car Insurance Brokers receive commissions for their role as intermediaries which are received from the Insurance companies with which the business is placed. The commissions available in the motor market varies somewhat and the recent ‘soft market’ where premiums and commissions are low, have also led the high street insurance broker to seek more profitable business in insurance classes other than Motor. Commissions for a car insurance policy may range from 7½ per cent to 20 per cent although with commercial vehicle contracts and large fleet business, brokerage may be agreed on a fee basis which is often charged over the whole portfolio for that particular client. In the past a standard rate or tariff which was agreed and reviewed by the Association of British Insurers professional body (ABI) was used in the UK car insurance market. This is no longer the case, but this approach still influences some underwriters in some specialist car insurance areas.

In recent years, however, many larger brokers have developed what is known as a ‘direct dealing account’. This is where the broker introduces a sub-broker to underwriters and then permits him to deal directly with them under a fronting agreement with their own marketing. The accounts, however, will still pass through the main broker. The commission is split between the main broker and the sub-broker, with the sub-broker usually commanding the higher percentage. An important restriction applied to the sub-broker within the fronting agreement is that he must pass the premium on to the main broker within 30 days of inception of the risk.

The role of the motor broker has changed somewhat in recent years with the development of Internet based quotation systems.

In particular the insurance comparison websites who have taken over the role of the broker to some extent. These quotation systems have been used successfully however by some car insurance brokers who have adapted and embraced the technology and now offer full on-line comparison quotes from their panels of insurance providers. The benefits are a very quick service, although it may still be advantageous for the broker to ‘shop around’ for the best deal for one’s client, particularly if the cover is for a non standard driver or car.

Whatever the changes in the technologies and methods of Car Insurance delivery there will always be clients who want a human face and to talk to someone directly about their insurance needs. The role of the broker is ultimately communication.

If a driver owns a classic car, specialist classic car insurance brokers will compare classic car insurance policies and rates on the customers behalf. Similarly if a customer has medical conditions or convictions or is a young driver that wants to drive a high performance sports car a Specialist Car Insurance Broker will be able to place the risk amongst their many schemes. A Broker is often the only option for non-standard motoring risks that the mainstream suppliers will not service.

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On the day that The BBC announced it’s shocking findings into Quad Bike accidents Insurers are calling for compulsory head protection………….

Doctors say the law should be changed to force people who use road legal quad bikes to wear helmets.

Accident and Emergency medics tell us lives are needlessly being put at risk because riders aren’t required to wear any protective gear – despite the fact the bikes can reach 80 or 90 mph.

Twenty-three-year-old electrician Dan, from Warrington, is a quad bike fan: “Riding them is awesome. It’s probably at its best in the summer weather.

“All you need when it’s nice and hot is a pair of shorts, t-shirt, vest and off you go – it’s a buzz.”

The same goes for his friend 20-year-old bank worker Andy.

“The reason we don’t wear a helmet is because it looks cool. Especially if it’s on a hot day.

“People are looking at you, it’s an adrenaline rush and you get the wind running through your hair.”

The DVLA doesn’t keep specific figures on the number of road legal quads but the main UK suppliers say that since 2005 they’ve gone from selling a few hundred each year to thousands.

‘Simple’ protection

It’s that boom in popularity that worries Dr John Heyworth, who speaks for the organisation that represents A&E doctors.

“We know that the riders on these quad bikes are at real risk of serious injury and even death because they are seriously unprotected.

“We know from experience that head injuries are the biggest killer in these sorts of accidents.

“So for goodness sake let’s protect these riders. It’s a simple bit of protection for them that will save lives.”

Most people who work in the quad bike industry support his call.

But they also say any new legislation must not be a ‘one size fits all’ approach that would impact on legitimate riders.

Twenty-four-year-old glamour model Amii Grove is keen to see helmets made compulsory after she lost her brother in a quad bike accident two years ago.

“He had a head on crash with a Land Rover. He died because of his head injuries.

“So if it was compulsory to wear a helmet he would probably still be alive today.”

The government says it strongly advises riders to wear helmets.

Road Safety Minister Mike Penning says there are no plans to make it compulsory though he will keep the matter under review.

On road and Off road Quad Bike Insurance is available from specialist Supplier Car Insurance Television

Quad Bike Insurance to make Crash Helmets Compulsory! is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

If you have plenty of spare time a good place to start, to get an indication of what the eventual cost will be , is to visit a car insurance comparison site or aggregator as they are commonl;y known. These popular websites compare rates and policies and return quotes , quite often from lots of different motor insurance and car insurance cover suppliers on the same page for you to choose from .

There is more involved to comparing motor insurance than comparing the quotes returned. It is equally important to compare just what is covered under the policy offered.

When comparing quotes always do so on a  like for like cover basis . For example, if a site is quoting a premium with a voluntary excess of two hundered and fifty pounds, ensure the other quotes you compare against this price are offering the same deductible .

Car Insurance polices also vary considerably from one insurer to another with extrasand various discounts often included in the base cover. Therefore , always read the policy wording document before purchasing the insurance otherwise you won’t know what you are buying .

Buying policies online can take a lot of time . Many comparison sites are more often obliged to capture more facts, so getting a cheaper quote can be time consuming . This is because certain of the cover providers on the panel need differing facts about the drivers circumstances or the vehicle, to quote .

Collecting more information will take longer to complete the quotation and purchasing processes where often hundreds of policies are shown , however the time you spend is rewarded with a list of competing companies offering a variety of quotes, which gives you a clear idea of what your cover will cost. These may not be the cheapest quotes you will find online, but being presented with various offers and options is a starting point for identifying cheaper car insurance.

Remember that that many of the more specialist car insurance companies choose not to quote on comparison websites but prefer to deal with the insurance buying public direct.

The direct specialist car insurance companies are also able to offer big savings for buying their products because they cut the costs of production of the policy by cutting out the costs of the middleman or insurance broker. The price savings these websites make by conducting business this way can then be passed onto their customers as cheap car insurance premiums. Specialist car insurance comparison systems typically compare quotes aimed at a small market where the risks are known and the costs of claims can be controlled, leading to cheaper base rates for their clients

Another method is to use a search engine such as Bing to find providers of cover for your particular model or to find specialist providers .
If you own a Volkswagen for example , type the make and compare car insurance into the search engine and you will be shown car insurance websites which are far more pertinent to you as a driver of that car.

Similarly,if you are a young driver if you type this query into the search engine you will be returned with cheap quotes designed specifically drivers  under twenty five .

After the comparison website returns an alternative cheaper provider, make a note of the quote and go straight to the site of the offering company just before your existing insurance cover runs out.

Make sure that clear down the cookies on your browser history , otherwise the Car Insurer will see that it has quoted you before and only offer you the same price . That way you ensure that  you will get any of the latest deals and discounts when you buy the motor policy .

Most of the popular Car Insurance companies in theUnited Kingdom areoffering special deals to tempt you to change from your existing Insurer and renew your cover with them . Make sure you check these offers carefully and be ready to take the time and effort to understand the ‘catches’ if you want to successfully reduceannual costs . Visit a comparison website at renewal if you are a typical driverand do not requirespecial covers. Visit a specialist car insurersite if you are young, old, or own a non standard or prestige car.

Finding a provider which may be more suitable for your needs it is advisable to search online for cover for your make of vehicle. If you have a poor driving history , drive an unusual or classic motor or need specialist cover because of your age or medical conditions there are now many smaller specialist comparison sites that cater for all these needs.

When comparing Car Insurance on the Internet be aware that the amount of quotes returned and the premiums quoted often differ from one car insurance comparison website to another . Often the comparison sites may have negotiated better premium prices with the Insurers for certain types of customer or car make as all car insurance companies have target markets .

For an immediate quote and to Compare Car Insurance call 0800 089 0182

Using Specialist Car Insurance Comparison Systems On-line is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

Apart from a handful of states, all of the others require a minimal quantity of liability insurance. The sort of insurance coverage is principally meant to protect the occupants of the other automobile when you find yourself chargeable for any damage. It covers their medical payments and automobile repair but not you or your vehicle. For yourself, the insurance you want is comprehensive or collision insurance.

Auto insurance quotes for collision insurance are much increased than legal responsibility insurance coverage primarily on account of the fact that the protection is loads more. It pays for the repairs required to your car in addition to your medical bills no matter whether or not you were at fault in an accident. Complete insurance coverage covers a majority of different kinds of injury to your vehicle together with hearth, vandalism or natural disasters.

Primarily based on the particular circumstances, numerous deductibles may be opted for that can alter the overall estimated annual value for collision and complete auto insurance quotes. 

Medical cost and personal harm safety are additionally available with some companies. They increase medical protection and generally even cowl misplaced wages, childcare costs and related expenses owing to accidents. 

Bodily injury protection is a vital protection in addition to the minimal requirement coverage. This is for auto accidents where you had been at fault and in situations where the harm of the other vehicles’ occupants exceeds their private injury coverage. Lacking this coverage provides the victim of the accident the right to authorized action which may lead to a financial accountability being positioned by the state on you and your motorized vehicle report. This would stay for three years. It’s also referred to as an SR22.

Uninsured motorist and underinsured motorist insurance take care of you if you occur to be in an accident with those who both don’t have or have insufficient legal responsibility insurance.

Rental reimbursement and towing and labor insurance coverage are other further options. These prices are normally categorised as add-ons or endorsements to your policy.

For auto insurance quotes companies require particulars about driving data, age and period of a license, aside from inspection of your automobile for the purpose of certifying it.

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The 411 on different types of auto insurance is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

One such provider is on-line specialist car insurance comparison website Car-Insurance.tv which is offering schemes from multiple companies including BMW specialist Adrian Flux.

The Car-Insurance.tv BMW classic car insurance scheme allows the user to compare a range of specialist Classic BMW car insurance quotes, policies and schemes and offers cover for every model of BMW built including the BMW Isetta, BMW 501/502, BMW 3200 CS, BMW New Class, BMW New Six, BMW 3 Series, BMW 5 Series, BMW 6 Series, BMW 7 Series, BMW M Series, BMW Z Series and the BMW 8 Series.

Whatever Classic BMW you drive you’ll also have the additional benefit of dealing with real insurance brokers who are there to help you should you have any difficulties or need to claim. Call now on 0800 089 0182 for a quote or more advice about cover for you classic BMW

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The Adrian Flux Specialist Car Insurance Review

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