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A good dental insurance policy can make your smile brighter
Dental insurance is a type of insurance in which the beneficiary and the policy provider agree on a plan in which the policy provider pays for the dental services used. This dental service can be from the dentist, dental hygienist or any other...
BETTER INSURANCE RATES FOR YOUNGER PEOPLE?!
Most young people are more used to being penalised by insurers
for being younger - motor insurers for instance regard younger
drivers as a higher risk and therefore charge a higher premium.
The biggest part of a travel insurance premium is...
Disability income insurance can meet all your financial needs
Disability income insurance can cover you in the event of a severe accident or illness but, it really depends on how much disability income insurance you purchase as to whether or not it will be able to meet all of your financial needs. The greatest...
Health Care and Health Insurance Costs Can Be Controlled Through Lifestyle Choices
As you probably know all to well, the cost of healthcare and health insurance premiums continue to increase at levels substantially above the general inflation rate. The reasons given for these extraordinary cost increases are numerous and include:...
Insurance for those who run Bed and Breakfast Properties
There are a number of insurance companies offering Bed and Breakfast insurance in UK. Each company offers their own tailor made insurance policy with a cover to suit your industry - Bed and Breakfast. A Bed and Breakfast, often referred to as a...
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5 Steps To Cheap Car Insurance Premiums
Although car insurance is compulsory, it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you serious money.
Step 1 - Excess
The easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a car park crunch.
Step 2 - Security
Fitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.
Step 3 - Annual Mileage
If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed
mileage restrictions.
Step 4 - Named Drivers
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!
Step 5 - Shop Around
The biggest car insurance savings come from shopping around. This has been made much easier with the explosion of the internet. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparitive online car insurance quote sites like Moneysupermarket and Screentrade, take their best quotes and go direct to the cheapest car insurance companies for more specific quotations.
About the Author
Copyright © UK Insurance Index http://www.uk-insurance-index.co.uk. All rights reserved. Please feel free to publish this article online provided that the article and this copyright statement remain unchanged with live links.
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