By knowing how the industry works you can get better payouts, cheaper premiums and know how to get claims settled more quickly.
An insider from the insurance industry gives us a in depth look at how insurance companies work.
Here is a long overdue article on an often overlooked aspect of Car insurance. Car insurance – all policies state “Has the car been modified, altered or adapted from the manufacturers original specification or has it been tuned.
All insurers need to know if a car has been modified. The stats of the insurers generally show that modified cars are involved in more claims, not just accidents but there is a greater likely hood of the car being stolen.
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So you’ve had a accident and your pride and joy is damaged.
If the cost of repairs exceeds 50% of the current market value of the car it is likely to be deemed a total loss and written off.
No win no fee compensation claims can be a low cost way of getting compensation – but always read the small print and ensure there is no surprise fee if you do win!
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More people are electing to enjoy their cars to the maximum in the relatively safe environment of the track.
Many clubs and companies organise track days. Everything from the supercars like Porsche and Lamborghini and Ferrari right down to the home built kit cars and every day types of hot hatch and sports car in between.
When you start reading the small print you will realise that there is a lot of risk involved in this. For example damage caused to the track itself may be charged to the driver involved.
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It seems that when it comes to car insurance there are winner and then there are losers.
We will take a look at some of the factors used to calculate the premium and hopefully give a few ideas and insights on how to get the cheapest car insurance deal you can.
Insurers work in a similar way across the world but this article has been written based on 14 years of experience working within the UK insurance industry.
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