<< The Matthews Guide to Insurance >>

Motor Insurance

Information:

Accident procedure
A car accident can be one of life's most traumatic experiences.
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Anomalies
Useful advice, tips and extras offered by some insurers.
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Automatic renewals
Some companies automatically renew their clients insurance.
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Breakdown
Most companies offer cover as an additional option.
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Contact numbers
Useful contact numbers.
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Courtesy car
Another lucrative extra.
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Driving other cars
Comprehensive cover only.
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Foreign travel
Driving whilst abroad.
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Instalments
Paying on instalments can be extremely expensive.
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Internet or phone?
Most companies prefer customers to use the internet.
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Legal protection
Policies normally insure you for between £50,000 and £100,000 of solicitors fees.
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Lower rate phone numbers
Avoid high tariff numbers.
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No claims discount
Insurers prefer customers that don’t make claims.
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Policy amendments fees
A fee charged by your insurer when you amend your policy.
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Policy excess
The amount that you have to pay towards any claim.
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Use of your car
Social, commuting & business.
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Windscreen cover
If any glass on your vehicle shatters, have it replaced without losing your no claims discount.
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Automatic renewals:

It has now become more or less common practise for insurance companies to automatically renew their clients insurance using existing credit/debit card/direct debit information that they hold.

What this means in practise is that you now have to opt out of your car insurance renewal rather than optting in.

This has several advantages to the insurance company:
• You have to phone the company to cancel at renewal, there by giving them the opportunity to talk you out of it.

• There will be a percentage of clients that do not realise that their insurance has been automatically renewed when they did not want the policy, for whatever reason. Some of these people will not notice the payment on their credit/debit bank statement and the insurance companies will literally be making money with no risk of a claim.

• Some insurance companies, in particular Budget Insurance who also handle HSBC, Mark & Spencer, Yes Insurance, etc. will charge clients if they notify after the renewal date, that they did not wish to renew their policy.

In fact it is fair to say that the feedback from clients tells us that Budget Insurance are the worst examples of insurance companies impossing large fees for little work without accepting any explanations or reasons not to pay. They are totally unsympathetic to their clients needs.

It is becomming such an issue with Budget Insurance that clients should consider if they really want to be insured with them.

Phone Best Advice UK on Freephone 0800 0851 898

Our average client saves over £100*

Best Advice UK is totally independant and has no connection with any other insurance company/broker.

Visit us at: www.bestadviceuk.co.uk

Phone FREE on:

*Our clients saved an average of over £100 each last year.

Legal Protection Policy
Worth up to £36.
£1 from every Legal
Policy goes to either
Cancer Research UK
or the
British Heart Foundation.

More details

Excess Protection
Up to £500 worth of cover.
Increase your excess and reduce your policy premium without the risk of paying out large sums of money if you have an accident.

More details

Breakdown Cover
Average call out 35 min.
Covers for homecall,
recovery to garage or
destination, car hire,
train tickets, accomodation
and with caravan or trailer.

More details

Guaranteed loan car.
For both Comprehensive
and Third Party policies.
You will be guaranteed
a courtesy car for up to
two claims a year.

More details

The Matthews Guide to Insurance – Independent Insurance Advice

This site is updated daily with latest information to enable you to find your best insurance deals.