It is pointless to tell a car owner how precious his or her car is and that he or she should protect it and care for it. However, it is worth mentioning that since your car is so precious to you and since you have invested so much money in it, it is important for you to get a car insurance to protect yourself from any kind of mishap.
This message particularly goes out to the young drivers in UK. Many young adults, who have just acquired the age and the car to drive around their city and probably go out too, love to control the wheels. But have you ever thought about how you could control a messy situation when your car receives damages due to unprecedented collisions? A car insurance is a very helpful tool in such times.
Now let us shift our focus on women drivers. Women drivers are different from their male counterparts when it comes to driving habits. They are more cautious and drive carefully, while following all the road rules. They drive with eyes wide open lest they collide with another car. And therefore they need special kind of car insurance policy that would help them both financially as well as would be beneficial to them.
The car insurance policies should be different for women drivers and not similar to those which are meant for mature men. This is because there is a big difference in the driving habits of both of them. And many insurance lending institutes do understand this difference in the need of both kinds of drivers.
Now, it is quite a daunting task to compare car insurance policies of different kinds of insurance companies. But you have a ready reckoner in your favourite web browser. Just go for compare car insurance and find a list of sites who would give you unbiased research results and comparison of various car insurance policies.
The AA doesn't seem too impressed with Tesco's offering, saying that the excess is really high and if you look around you could buy the usual fully comprehensive for the same price. Taking the opposite stance is Norwich Union who believes that other insurers will compete with simple, non-gimmicky, cover. Getting ahead of the competition, they have been watching the patterns of 5000 motorists over a two year period and they are starting to offer new policies based on their research.
Both of these insurers will aim to keep at the top of the "Best Buy" tables and the resulting competition between insurers to keep the premiums low and gain the business will be interesting to observe.
What is it that's so different about these new policies?
First of all there's Tesco's new "Value" car insurance. This is a type of "hybrid", coming higher in the scale of cover than basic third party but stopping short of the more usual fully comprehensive. For example, if your car is off the road, you won't get a courtesy car, it doesn't cover young drivers and at ?475, the excess is much higher than usual. Your no-claims discount will not be protected and if repairs are needed these can only be carried out by designated garages. Normal guarantees on repairs are three years, but they have reduced this to only 12 months. If you can accept these restrictions, Tesco say there will be a saving of 12% on its standard cover. Another proviso is that you must buy cover on-line.
On offer from Norwich Union is a young driver's policy. Not available to new customers for the time being, customers are charged according to their driving patterns. It has been found that younger drivers have a higher likelihood of accidents at night and so there is a charge of ?1 each time they drive between the hours of 11pm and 6am.
Direct Line, not to be outdone, has similar new products coming on to the market.
It all sounds slightly confusing and you have to consider what you're missing out on in the way of cover. It is possible for the more conventional fully comprehensive policy to be reduced if you're willing to sacrifice some of the cover or pay a higher excess. These deals are available on-line and easily accessible, but why tie yourself to one company? If you search on the internet for a car insurance broker and are specific about your needs, they'll do the research and come up with the right deal for you.
Older drivers have car insurance problems too. The Government may be considering whether regular eyesight and certain other medical checks should be carried out three yearly. The Association of British Insurers have requested this as they feel that with declining eyesight and age, responses could be slower and therefore older drivers could be more at risk of accidents. Age Concern, a charity representing the elderly, argues against this, believing that fitness to drive should be based on skill, not age.
The Association of British Insurers report that in fact older drivers have more accidents per mile than drivers in middle age and also state that there is a higher likelihood of injury or death resulting from a crash, both for them and other road users.
From the age of 60, car insurance premiums will start to rise as underwriters begin to get wary of taking on new clients. The AA tell us that, as an example, a woman of 21, who pays a premium of ?326, will find it reduced to ?197 at 60, but by the time she reaches 80 the cost will be ?460. There are policies designed to serve the needs of older people, Age Concern, Saga and Help the Aged are just three of them, but again, if you contact an on line broker, they'll have all the facts and be able to offer help on this.
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