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Read all about how to get cheaper car and life insurance from our blog section. |
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Archive for November, 2011
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Sunday, November 13th, 2011
IFAs, or Independent Financial Advisers, used to be invaluable sources of information for individuals and couples alike who happened to be looking for life insurance. A couple of decades ago, most people would go to an IFA for independent advice as to which policy they should go for and indeed an idea of exactly what was available for them in the first place. However, the use of IFAs dropped off a bit, an assertion which is backed up by sales information and data relating to their use as per numerous studies. Why?
Well, the first reason is that some advisers actually became known for preferring certain life insurance policies as a result of the commission they received. Thanks to the minority, they became tarred with the same brush and people began to distrust IFAs. However, people also failed to see the need for life insurance, which is proven by the drop in policies taken out in the last few years. If you are one of those that would like to see what is out there without bias but cannot or do not want to go to an Independent Financial Adviser what options are available to you?
Well, comparison sites for a start. Sites like APH simply offer you quotes for life insurance based on the information you input, meaning that it matches policies to specific criteria. There is no bias and any sponsored links or policies are clearly marked so that you can avoid any hint of bias if you so wish. You can compare policies based on features, premium and length of policy and specify exactly what you want and need from it. With this in mind, the APH comparison site is the ideal place to go for help. You can also visit quickly and easily from the comfort of your own home. No need to get dressed. Just turn on and login to find the best possible value for money on life insurance for you.
Posted in Life Insurance | Comments Off
Thursday, November 10th, 2011
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.
Posted in Uncategorized | Comments Off
Wednesday, November 9th, 2011
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.
Posted in Uncategorized | Comments Off
Monday, November 7th, 2011
Do you have a garage at home, whether it is attached to your home or as a separate entity? If you do then do you use it? If you have answered yes, and in that I mean use it for your car, then you may have done yourself a huge favour and accessed cheap car insurance as a result of your commitment to protecting your car overnight and when it would otherwise be sat on your drive or the road. However, you would also be one of the minority.
A recent study of car insurance customers with more than one car in their household saw many people admit to keeping stuff in their garages rather than their cars. No matter what their worries concerning the fact that their car could be damaged, stolen or bumped into overnight, not to mention being broken into of course, they still put up to £20,000 worth of car on the drive or road instead of moving the average of £3,429 of stuff from their garage to make room for it. If you think about it, this really does not make sense and can put your car insurance in jeopardy.
It used to be that car insurance providers asked whether you had a garage or an off road unit in which to place your car. Now many are changing the wording to “do you store” your car in a garage. This ensures that discounts are applied only where deserved and where the risk is much lower than it would otherwise be. With this in mind, you may want to consider whether or not your garage is being used for the correct purpose and indeed whether you could save money by clearing it out. You will soon see just how much money you can save in this way if you compare policies at APH.
Posted in Car Insurance | Comments Off
Friday, November 4th, 2011
Have you claimed on your motorbike insurance this year? If you have yet to do so then the likelihood is that you have some no claims bonus to carry over to next year… unless you fail to watch the conditions as they get worse this year. There is still two months left until New Year’s Eve and they are amongst the most perilous for motorbike riders. First of all, you have wet leaves on the road to watch out for, then you will have icy roads first thing in a morning and last thing at night and finally, when it gets really bad, you will have the gritters to deal with as well.
The only real way to escape accidents at this time of year is to be vigilant. Of course, if you have years of experience of riding on the road then you may well be well aware of what you have to do. Getting complacent is not an option and few riders are. However, if you have little experience on the road then you may well worry that you are putting your motorbike insurance in jeopardy. If this is the case then why not look at practical steps that you can take, such as checking your tyres to make sure that they are suitable for the cold weather and have enough tread on them. Getting to know the roads you travel on is also a good idea. Finally, check out the speed limits and make sure that you stay within them, being careful on the roads.
Motorbike insurance providers do have a lot of claims at this time of year but just concentrate on what you are doing on the road. If you have to claim then it will put your premiums up but you can always compare motorbike insurance policies to find a better deal. The main thing is staying safe on the road as far as possible.
Posted in Motorbike Insurance | Comments Off
Tuesday, November 1st, 2011
Van insurance is a must to get your van on the road, as all drivers are fully aware. However, if your business is suffering and you are using your van as a means of working then you may be tempted to drop your cover right down when it comes to renewal time. After all, you only need third party van insurance to stay legal on the road and it is often cheaper than comprehensive insurance but you should ask yourself a few questions first. For example, would you be better off in the event of an accident with reduced cover?
The answer to this question is dependent on your financial situation. If you can afford to replace or repair your own van, hire one if necessary and cover the cost of your tools then third party van insurance may be fine for you. However, if your business is already suffering financially and you still take third party insurance then you may well have a problem if you do get into an accident. Regardless of how tight your financial situation is, you absolutely need cover that suits your own personal requirements and checking elements of individual policies can help you there. Do you need a courtesy van if yours is being repaired? Do you need the means to replace your van if you are in an accident and are deemed at fault? Do you need cover for items that must be kept in the back of your van during working hours? All of these points are worth considering.
The best way to find the ideal cover for you at a price you can afford is to compare van insurance via the APH comparison engine. With access to some of the top providers in the country, you can find exactly what you are looking for more often than not.
Posted in Van insurance | Comments Off
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