Compulsory car insurance?
Compulsory basic damage insurance on vehicles is being considered by the government.
No matter what exactly are we planning to buy, all of us have a tendency to discover the cheapest possible solution for our requirements. So, the very same applies to purchase Automobile Insurance.
Car insurance temp cover- I sometimes buy cars and sell them on for a small profit, is there insurance company
that I can go to and get a 1 day cover for the car I’m going to buy or will it be cheaper to get insurance for myself to drive any car, is this possible, also if I wanted to buy and sell cars all the time do I have to have a special licence to do this? thanks
What people have failed to point out is that the law has changed. At one time of day you could take out fully comprehensive cover and then be insured to drive someone else’s car third party fire or theft.
Due to people taking advantage of this and insuring say a Ford Focus fully comp then driving say a Porsche under the third party rule thus saving themselves thousands of pounds in insurance costs.
Most of the insurance companies no longer allow third party use on there policies and others are following suit. And the law has been changed also to plug the loophole. Only insurance companies aren’t telling there customers this and like me they find out to there cost too late.
Also it is against the law to sell cars at the road side now,even if it’s just a one off and the police are clamping down on rogue traders who do so.
To stay on the right side of the law you require a trading license and insurance. Unfortunately this is going to cost you a lot of money and unless you can swallow the costs or incorporate them into your pricing when selling a car then being a small time dealer isn’t worth your while or the heavy fines or even prison sentence you could end up with.
All the best Andrew D
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Is there a way to purchase insurance for frequent car rental?
I travel sometimes and one of the dumbest expenses that I can think of is the crazy amount of the car insurance at the rental place. It is 36 dollars per day for the minimum coverage just to protect the car from the rental place. It does not cover your liability for damages to the car that you collide with. I asked my insurance guy where I buy my standard insurance and he was no help. Can I buy some kind of insurance that will totally cover me when I rent cars. I think that my cheapo liability insurance for my car will not cover me when I drive other cars or out of the country. Also I will call my credit card but I’m not sure that this option is available to me. I want to purchase insurance on my own month per month if possible. Does this exist?
The rule is that YOUR insurance will cover if your are driving a rental car with the same coverage you have on your policy. So in effect, it takes over if in an accident or gets damages.
But some companies (high risk) will not cover, unless it had been in an accident (in shop for repairs) or possibly for mechanical reasons and in shop, so you need rental.
Also, most companies may not insure outside the US and you have to get the insurance in that country. Mexico is a good example.
As for credit cards; some of the coverage they have is IFFY, and may have a lot of exclusions, so you have to watch out.
Call the insurance company that insures you and specifically ask to talk to an adjuster. They would know since they handle auto claims and can tell you if it would cover or not. The agent may not want to commit to an answer just in case you have an accident and the insurance company comes back later and denys.
There maybe one other exception. Check into a non-owners policy. This policy pays just like regular auto insurance, but it is secondary to any other auto insurance. It pays for damages to autos you DON’T OWN ONLY. But not sure if it would apply to rentals, since many who get them,don’t own cars but may drive family/friends cars on occasional basis, so they could exclude rentals.
If your insurance company wont cover, then I suggest you get on the phone and talk to several agents and pose the question. I have worked in many companies and some do and some don’t. Even if you have to pay more to guarantee the coverage, if you compare $36 times the times you rent per year, it still maybe cheaper in the long run.
good luck
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What steps are needed to obtain a license to sale Insurance in the State of California?
I have a college degree, but just had a baby and I’m looking to obtain a license to sale Insurance for when my son gets older so I can have a flexible schedule.
What is the process in the State of California to obtain a license to sale Insurance? (car insurance, business insurance, home insurance, etc.)
Is there a seperate license for each kind of insurance? or does one license cover all of them?
Also, what are the steps to obtain a license?
Any information would be great!
(also, how long is the process of obtaining a license?)
You go to the California insurance department website. They’ll tell you how to do it.
There are several types of insurance licenses – the lines you mention all fall under property/casualty. You have to pass a test and pay a fee. Once you do that, any agency would hire you on, on a straight commission basis.
First you study – anywhere from two weeks to a month should be fine. Then you take the test, then within a couple weeks your license should be mailed to you, if you pass the test.
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With the recent increase of premiums consumers are continually looking for ways to save money on car insurance costs, which are one of the most expensive aspects of owning a car.
We cannot avoid car insurance because it is a compulsory and legal requirement in the UK to have one before you drive your car on the road. You stand to get stiff fines from the Courts if you are found driving without insurance.
The law only requires you to have a third-party cover. This means that if you are involved in an accident the insurance company will only pay damages and injury pertaining to the other people involved. Your car damages or your personal injuries are not covered. The third-party cover is perfect if you are driving an old or a cheap car.
However if you have a good expensive car or a new car it doesn’t make sense to have it on third party cover. In case of an accident the repair bills can end up being excessive for you to meet from your pockets. These kind of cars are best insured through comprehensive insurance which is more expensive.
So what can we do then to enjoy cheap car insurance in the UK? There are many things you can do to lower your insurance costs and save money. Check with your the insurance company to see if they offer discounts on the points below. If your particular company doesn’t offer the deals then research online for the companies that consider giving these discounts.
Having a good recommended anti-theft device will certainly get you a discount from your insurer.
If you pack your car away from the road in a garage or driveway you will attract a cheaper policy.
You can enjoy overall cheaper rates if you have more than one car. Get an advanced driving certificate and most insurers will consider you of a less risk and reward you for it.
Paying annually can save you on the total cost of the insurance.
If you have multiple insurances like a householder or homeowner policy you will enjoy further discount.
A woman has a lower quote and in a home it might be better to have the policy in the name of the female member of family.
How often you use your car is important, if you use your car only over the weekends you will make further savings in the amount you pay.
Most insurance companies in the UK have a presence online and are ready to offer discounts . Get cheap car insurance in the UK by shopping online where you will save hundreds on your next car policy.
About the Author
For further tips on how to enjoy cheap car insurance in the UK visit http://www.carinsuranceukcheap.info and start saving on car insurance costs.
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