APH News

The season of merriment, eating and drinking is almost here! Christmas is just around the corner. It is supposed to be a happy, exciting time for being with friends and family but unfortunately that is not all it’s for. It is also for some people, a minority of people, being stupid and putting their livelihoods, lives and freedom at risk by drinking and driving. It is more common around Christmas than at any other time of year. Why? Largely because people forget themselves and do things that they shouldn’t do because it’s Christmas. The problem is that if you get convicted once for drink driving then you could end up paying for it in terms of car insurance for the foreseeable future.

When you apply for car insurance or even for quotes, you will be asked whether you have any driving related convictions. You have to disclose speeding tickets as well as any other convictions and if you have been convicted of drinking and driving then you are automatically seen as a liability and will have to pay more. Car insurance companies are pretty rigid on this rule. Of course, it doesn’t help that hundreds who have already been convicted of drink driving and banned have been caught on the road when they shouldn’t be. In addition, 3%, or 1,480, or the 55,539 people convicted of drink driving have not been banned at all.

If you are planning on drinking this holiday season then do not drive. Don’t even take your keys with you so that you will not be tempted. It i a season for celebration and enjoyment but if you make it about drinking and then go on the roads then you could take away the happiness of others as well. Make sure that you always book a taxi or arrange to get home with someone else and never take chances. There is more than just your car insurance at stake.

APH has teamed up with the legendary Adrian Flux to provide specialist multi car insurance. This is not available online as there are too many variables to consider when you are looking for cheap cover to insure more than one car.

Please use the phone number 0800 369 8591 for a multicar insurance quote and the friendly staff at Adrian Flux will be happy to quote you and your vehicles. Please note that the line is open from 9.00am to 5.00pm so the service is not available in the evening so take a note of the number.

Insurance for two cars on one policy is becoming ever more popular however there doesn’t seem to be many companies offering this multicar policy service.

If you are looking to save money and tighten your belt during the credit crunch then the first place you should start is your financial closet. Many households have essential insurances like home insurance, car insurance and life insurance that they are paying way too much for. They may give you peace of mind but when you can find similar or even better products for lower premiums why would you stay with your current insurer? You can find better insurance policies through Moneysupermarket.com car insurance so why not take a look?

Moneysupermarket.com car insurance is not a policy that is available but instead is a comparison site that all consumers should look at when they are deciding upon their next insurance provider. Not only can you find policies that will indeed save you a lot of money but you will also find a whole host of top insurers with which you can take out the policies. The Moneysupermarket.com car insurance has a massive range of providers, all of which are well known and can easily be researched before you decide upon a car insurance policy so you have full peace of mind.

Not only can you obtain quotes in the Moneysupermarket.com car insurance section but you can also retrieve saved quotes. You only need to fill in the information form once and can go back the following day or even the following week to retrieve all of your quotes and make a decision. Some other comparison sites make you fill in all the information again if you leave the page for whatever reason but this is not the case here. From a consumer point of view, this is easily one of the best sites around.

If you have a van then you may be absolutely baffled by the sheer amount of choice you have when it comes to getting insurance for it. You have regular van insurance, small van insurance, commercial van insurance… and the list goes on. You may not be aware of the latter option but commercial van insurance is a very specific form of insurance that applies to you if you transport goods or passengers for money. In other words, this applies if you are in any form of paid employment using your van. It even applies if you offer hire vehicles to other individuals.

Commercial van insurance is very different to the vast majority of vehicle insurance policies out there today. This is primarily because the quotes are actually made by primarily specialist companies on the strength of several key factors that do not apply to other vehicles. For example, the following factors are all taken into account when commercial van insurance quotes are given:

• Total weight of the van when it is loaded
• The nature of the contents that are transported, including the size of the goods and the type of goods, with hazardous goods being given an increased premium
• Any modifications that have been made, such as ramps and lifting mechanisms
• Whether you will be transporting goods that belong to you or someone else

All of the above can certainly hike up the premiums but it is possible to find cheap commercial van insurance if you choose to compare quotes. Price comparison is essential to reduce the costs to you and your business so you can get the best possible value for money with comprehensive insurance on your side.

The insurance market is currently offering unprecedented choice, with a huge range of providers available and a range of prices that fall into every budget. Term life insurance is just one of the forms of insurance that you can find in abundance should you feel you need it. If you have heard of life insurance before then you may think that there is one form of policy available for everyone but that is not the case. You can choose an ongoing policy or a term life insurance policy, which is one that runs for a fixed period of time to suit you.

Many people take out term life insurance policies to cover them for the duration of their mortgage to ensure that the house would be completely paid for if they should die, with a little left over for bills and expenses. However, others choose to take out fixed term insurance to ensure that their children would be financially taken care of instead. Of course, the reasons behind taking out such a policy are entirely your own but you should be aware of what is available to you before you settle for one definitive policy to protect you and your family in the years to come.

Firstly, you need to choose the period of time that your term life insurance covers. This can be anything between a year and thirty years, depending on your wants and needs. When you have decided on the length, you need to look a little closer at the small print associated with the policy because some feature major exclusions that may not necessarily point to the policy being the best one for you. Other providers may offer generous terms that ultimately give you the best deal. Only after examining these two elements should you look at the cost. Of course, the term life insurance you take out should fit into your budget but it should also provide you with the peace of mind that you want and need so some policies are worth paying that little extra for.