The Cost of Uninsured Motorists in UK is Outrageous Alarming

There's always a first time for everything, and taking the risk of driving without insurance is not exceptional. The question in today's ReiVRE: Money Talk-Car Insurance is – "What’s the cost of uninsured motorists in United Kingdom?”

The Cost of Uninsured Motorists in UK is shocking and disturbing

The government has released figures that show there are more than 2m vehicles on the road in Britain without insurance, which is 1 in 15 vehicles being illegally driven, uninsured on British roads.

The immediate impact this is having is cost, each year uninsured drivers are costing £500m, it is the insured motorists who are shelling out to cover this cost, and are paying £350m extra for insurance premiums.

The Association of British Insurers (ABI) has highlighted the risks of uninsured drivers who are less likely to stop after an accident, 10 times more likely to have convictions for drink driving and 6 times more likely to be driving an un-roadworthy vehicle.

As well as increasing the prices for car and van insurance for law abiding motorists, uninsured drivers also cause problems for insured drivers they are in accidents or collisions with. If you are involved in an accident with an uninsured driver there could be a drawn out battle to reclaim what you are owed.

Fully comprehensive insurance will cover you for any repairs needed for your car, however, unless you have insured your no claims discount you could lose this and any medical or legal costs will not necessarily be covered by your insurer.

The government is trying to tackle the problem of uninsured drivers on the road through technology such as automatic number plate recognition and heightened police powers, enabling them to seize vehicles from the uninsured.

The Motor Insurer’s Bureau (MIB) claims that the group most likely to flout insurance laws are young males. Despite the government’s efforts to raise awareness of the importance of up to date insurance many people are oblivious to the risks, and more importantly, the consequences of driving illegally without insurance.

Anyone who is caught driving a vehicle without the correct insurance is not only breaking the law, but it likely to receive penalty points on their license and a hefty fine. Penalty points can affect both your eligibility to drive for your employer and increase your insurance premium significantly.

Drivers who are left with unpaid costs after a collision with an uninsured driver can claim compensation from the MIB. This is a fund which is paid for by the insurance companies who are charged a levy each year, indirectly the money comes out of the pockets of the general public who are charged more in premiums to cover this. The driver is expected to have contacted the other driver to check if they are insured, and to have reported the incident to the police.

The MIB handles 36,000 cases every year and has issued guidelines which drivers should follow if an accident should occur. Briefly summarised the plan of action should be; to contact the police, take the name and details of the other driver, especially the car’s registration number, never to admit fault for the accident and try to remain calm, try to photograph the driver and/or vehicle and get details of any witnesses to the incident.

It is common for people to panic or be shaken after an accident, but this is a time when a level head is required. If you suspect that any of the details the other driver has given you are incorrect, contact the DVLA or MIB for verification.

MIB’s figures show that 15% of drivers admitted to driving without insurance between 17 and 21, and a staggering 48% were under 30. These people have resulted in motorists having to pay, on average, an extra £30 for insurance premiums. The fact is, the likelihood of an uninsured driver causing or being involved in a collision are eight times greater than an insured driver. Just make sure they don’t cost you any more than they already do.

Today’s credit and contributor - : Jemma is an author of several articles pertaining to van insurance. She is known for her expertise on the subject and on other Business and Finance related articles

NB: For more valuable information and guideline visit: Cheaper Car Insurance

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How to Get the Best HGV Insurance Online Quote Made Easy

There's always a first time for everything, and getting to know how to obtain HGV Insurance online is not exceptional. The question in today's ReiVRE: Money Talk-Car Insurance is – "How do you go about getting HGV insurance online quotes?”

How to Get the Best HGV Insurance Online Quote

It is unnecessary to go through the hassle of calling to shop for Heavy Goods Vehicles Insurance. Instead of calling, simply obtain a HGV Insurance online quote. For most online HGV insurance companies, you are given the opportunity to sign up directly on site. You will receive competitive HGV Insurance online quotes instantly. Because your business is different from others, most of the HGV Insurance companies will offer several types of online quotes.

You will notice throughout your search that your business potentially qualifies for certain discounts and promotional rates. The rates and discounts are available to the Heavy Goods Vehicle owners or operators that are in need of a HGV Insurance online quote. Instant insurance coverage may range from introductory discounts to Public Liability and Employers Liability. Many of the HGV online insurance companies consider your cash flow and arrange monthly installments. When you receive your online quote, these are features you should look for.

The Lorry Insurance Quote is good to cover a fleet of vehicles and it will also provide you with instant coverage. The Haulage Exchange market within the United Kingdom continues to expand. Also referred to as Freight Exchange, the market allows you to post sub- contract haulage loading and empty vehicles that are available for backloading and return loads. The Haulage Exchange requires extensive insurance due to its growing risks. The super sized “transport superstore” has many independent operating owners, therefore requiring different types of HGV Insurance. The Haulage Exchange actually offers an independent Haulage Insurance, but it only insures the van and Lorry parts that are transported; therefore the owners and operators should consider obtaining a Lorry Insurance quote for their independent protection and to keep the Lorry’s parts well maintained.

HGV Insurance online quote is to assist you with your HGV Insurance search. As the customer, each Heavy Goods Vehicle Insurance Company should be willing to provide you with knowledge and guidance regarding the insurance as well as tailor the type of insurance you need to fit your business needs and budget. Immediately, a team of HGV insurance brokers gives you a quote according to the information you submitted online. Each insurance package should provide complete coverage to include the insurer, customers, and drivers irrespective of the fact of who is at fault. Of course, if you own and operate a 7.5 tonne truck, you would be quoted the 7.5 Tonne Insurance.

The Lorry Insurance quote would be different if you were to transport goods in a Lorry or own a fleet of trucks, in which you may then consider Fleet Insurance. Whatever insurance is right for your business, the HGV Insurance Company should make the process painless and comfortable. Remember, HGV Insurance is more or less the same as other vehicle insurance types in regards to how it is paid. Therefore, a competitive HGV Insurance quote should give you the confidence that your vehicle and contents thereof are suitably covered in the unfortunate event of any claim being made under your Heavy Goods Vehicle Insurance policy.

Today’s credit contribution - : Abdul Aziz -With qualified advisers, many of whom have over 20 years experience in dealing with service personnel of all ranks, you can be confident that we know what we are talking about and that whatever circumstances may arise they will be handled by friendly, knowledgeable and experienced staff - At Abacus cover

NB: For more valuable information and guideline visit: Car Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and your comments if any:
- ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

Know Car Insurance and What it covers

There's always a first time for everything, and getting Car Insurance is not exceptional. The question in today's ReiVRE: Money Talk-Car Insurance is – "What is the function of car insurance?"

The function of car insurance is to cover liability and risk in terms of damage to property, including other vehicles, and individuals injured during a road traffic accident. For many driver this ends up saving a considerable amount of money because any costs or damages incurred as a result of an accident or incident can be passed to the car insurers who will pay from the premiums charged to its policyholders.

Car insurance typically covers three parties - the insurer or insurance company, the object that is insured, i.e. the car, and any third party. With most motor insurance the driver of the car is not covered and, if the loss is the fault of the driver, will not be able to calim in his own policy. The amount of cover that is available depends on the quality and status of the premiums.

In most countries, it is necessary to get car insurance before driving. Without it, you may not be able to operate a motor vehicle under the law. The world of car insurance also differs from state to state; New Jersey car insurance, for example, is different than Pennsylvania car insurance.

New Jersey car insurance may cover different aspects in a different way, such as traffic incidents because of the likelihood of busier roads, and may offer different premiums because of the difference between driving in Pennsylvania and New Jersey.

Pennsylvania car insurance, on the other hand, may offer a great variety in plans because the state tends to be less dense in terms of traffic in most parts than in New Jersey.

There are many variables that premium charges depend on in order to create a cost. These variables can be determined through the state government based on an educated diagnosis of the road conditions and the traffic in that area. They can also be determined by the insurance provider based on driving records. Some variables are almost always in place, such as gender, age and distance driven. These are almost always used to tabulate a particular insurance rate.

Car insurance auto insurance is one of the necessary evils in terms of living with a vehicle and wanting to drive it on public roads. While many countries do not provide or support auto insurance, most of the countries in the world do require it.

The importance of car insurance certainly comes into play when considering the liabilities you may have should you become the victim of a collision or should you cause a collision. Without it, you could be "on the hook" for a considerable amount of money that you will likely not be able to afford to pay.

Insurance policies are available for purchase from a provider. Some providers are private providers and some are government providers. The difference is that the government providers tend to offer a fixed rate based on government standards whereas the private providers may well compete for the best rate based on a variety of variables. Finding the best provider rate in all of this can seem like a complicated task, but saving money on car insurance can certainly be its own reward.

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Credit to Jeff Clare car insurance

NB: For more valuable information and guideline visit: Car Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

How to reduce Car Insurance Premium

There's always a first time for everything, and getting Car Insurance is not exceptional. The question in today's ReiVRE: Money Talk-Car Insurance is – "What can you do if the price has increased?"

If you have just recently paid your insurance agent for your car insurance, and the price had increased again, you only have yourself to blame! You could have saved yourself hundreds of dollars with just one phone call plus about one hour research. If you use the same insurance agent every year, chances are your premiums will rise every year. We've come to expect the premiums to increase, but it doesn't have to be that way.

Let me introduce you to apathy - apathy is your insurance agent's best friend, he loves apathy because he knows it's what will send you back to him next year. You will renew your car insurance with him every year because it's what you have always done. His office is just along the street from where you work so it's convenient to call in during your lunch break to sort things out. I'm sure there are lots of other reasons why you stay with the agent, but let me give you a couple of reasons you should change.

At a shareholders meeting recently, the CEO of one of America's biggest car insurance companies said "a shift of power towards the consumer is taking place" and "we don't want to lose customers to other companies at a price we would be comfortable with". His words not mine!

That means that for years they have been setting your rates much higher than they needed to, for them to make a "comfortable" profit. They would have been "comfortable" charging you less, but they knew they didn't have to for them to retain your business. If you embrace apathy and accept the increases in their rates every year, they have you as their hostage and things will never change.

What Can You Do?

Two words - comparison shopping! There is no law that says you must buy your car insurance form you local agent, you can buy it from anywhere. Spend one hour on the Internet and compare as many deals as you can find, I guarantee that you will find a better rate. When you have collected your deals, call your local insurance agent and let him know that you are planning to move your business, often you will find that he is "comfortable" charging you much less now than he originally said!

The bottom line is you need to 'invest' about 1 hour of your time to do this, but if you manage to save $200, hey that's not a bad hourly rate. This technique will work for almost anyone, but it's especially powerful if your premiums are higher than the average for a certain reason - if you're looking for car insurance for teenagers say. One more quick tip, don't just limit it to car insurance, do the same for your home insurance, health insurance, etc. etc..

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Credit to car insurance for teenagers and car insurance for young driver

NB: For more valuable information and guideline visit: Car Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

Why use short term Car Insurance

There's always a first time for everything, and getting Auto Insurance is not exceptional. The question in today's ReiVRE: Money Talk-Auto Insurance is – "Why use short term Car Insurance?"

Finding cover for a short period of time can be a daunting task. Often someone that are looking to borrow a car from a friend are worried about doing so without arranging adequate insurance. Arranging insurance over a short period of time can be frustrating if you need to negotiate with your existing insurance provider and change a policy that you already have.

It is possible to arrange an independent short term cover deal for periods between a single day and 28 days. If you find yourself trying to add a new driver on a existing policy it can be very time consuming and as a result many independent providers have stepped in to help people in this predicament. Short term cover is often offered on the internet with policies that can be printed out immediately. This can be a great advantage for people that need coverage in a hurry and do not want to wait around for a policy document to be posted. Short term car insurance can provide the answer to many vehicle problems.

Short term car insurance can be a great benefit in a wide range of different scenarios. This type of arrangement can help if you are looking to borrow a vehicle in a wide range of different situations.

You may be looking to transport someone that is not well to and from hospital or to transport furniture to and from a house or even if you are moving home. It is also a great option for people that want to test drive a new vehicle before they buy. This means that even if you are selling a vehicle privately you can arrange an independent insurance deal that will protect your long term deal in the event of an accident by the person that is test driving the vehicle.

The short term deals can be sourced and arranged quickly on the internet so that you can have an arrangement in place in minutes. This can be a great way of ensuring peace of mind quickly once you have decided to lend your vehicle to your children or any relatives. After all it is vital that you have an arrangement in place as it is illegal to drive a car in the UK without car insurance and most individual deals do not allow other people to drive the vehicle.

The length of deals available can differ greatly. They typically last between 1 day and 28 days with the longer period of time working out cheaper on average. In most cases these shorter term deals cost considerably more per day than a long term car insurance deal. But the benefits of this are that you are not tied into a long term deal and as a result it can offer real savings for people that use their vehicles sparingly.

The short deals are popular with students that use a vehicle when they return for the holiday periods. And also for people that want to borrow a van from a friend for a booze cruise. In business they are often utilised for situations when a vehicle needs to be borrowed for someone to attend a meeting somewhere that is a long distance from the place where the business is located. It is also a great option for people that want to borrow a vehicle to go on a holiday or a short break. There are thousands of different providers in the UK and a quick internet search for short term online car insurance quote should put you in a position to find a reputable provider.

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Credit to Shaun Parker of the Short Term Car Insurance
NB: For more valuable information and guideline visit: Auto Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"

How to find Cheap Auto Insurance

There's always a first time for everything, and getting Auto Insurance is not exceptional. The question in today's ReiVRE: Money Talk-Auto Insurance is – "How to find affortable Auto Insurance?"

Auto insurance is something everyone is supposed to have. In fact, without insurance people are breaking the law if they drive without it. For some younger families, finding affordable auto insurance is hard. For those people who are retired and are living on a fixed income, money is already tight.

It can sometimes put people in such a situation that they might not be able to pay some of their bills or even medicines that they should be taking. Finding affordable car insurance should be high on the to do list. For some it is critically important.

One way to find cheap auto insurance is to first call the company that people presently have. A situation in the home or with kids moving out should be brought to their attention. Many times, just letting the company know about a new situation might drop the rate a lot. If a person isn't happy with the new quote from their current insurance, start calling around for quotes.

Affordable car insurance may take a little time to find, but with the effort and time, it will be found. Understand that the companies are not sitting around waiting to call people to lower rates. With persistence however, people can make changes that the insurance company wants to see and they will then lower ones rates.

Finding affordable auto insurance can be a challenge. Sometimes you feel that there are as many rates as people and you may wonder if you truly have found the best rate available. Several car insurance companies today offer quick online auto insurance quotes. Some of the larger, more well known companies are Geico and Progressive.

The cost of car insurance will depend on many factors. One factor includes where you live. In some areas the cost of auto insurance will be higher due to increased automobile theft, of a higher rate of traffic accidents. Another factor that will affect the cost of car insurance is your age. Young drivers generally have a higher cost for auto insurance than older drivers who have more driving experience.

What kind of car you drive also affects the cost of your car insurance. A bright red rare sports car may very well cost more to insure than the standard family mini van. Those who set the insurance rates may decide that the sports car is more likely to be stolen or in an accident than the mini van.

Your gender, marital status, grades (if you are a student) all affect the cost of auto insurance. Young men are statistically in more accidents than women and so they pay a higher price for car insurance. Married people statistically have fewer accidents and tend to pay less than their single counterparts. Young teenagers who have good grades are considered a better risk as well. Perhaps the adjusters feel that good grades mean more time studying and less time driving.

Your driving record will also determine the cost of your auto insurance as well as your ability to get car insurance. Good drivers with clean driving records will pay less than people with many speeding and other driving offenses on their records.

Many of these items, you cannot quickly change to make an impact on the cost of auto insurance. However, you can change the cost of your car insurance premium by adjusting the liability limits and deductibles on your insurance plan.

Some states have minimum amounts of auto insurance that you are required to have on your car. Your insurance agent should be able to help you decide which insurance plan is right for you. The online quotes are great, but if you have some unique needs for your car insurance, you may need to speak with an agent directly.

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Credit to http://www.financehm.com/
NB: For more valuable information and guideline visit: Auto Insurance

"You are welcome to give your comment! Do you have anything you'd like to add or challenge about this hot issue? Any bad or good experience lets share. Your contribution will educate and benefit many readers".

Thank you for reading and comments if any: - ranci endo

If you liked this post, please don't forget to stumble or digg it so even more people can read it and benefit!"