Can I get insurance for my friend’s car adn then buy road tax.?

My friend was taken his driving licence and he cant drive his car for 1 year. He can land me his car for that period. I was trying to get annual car insurance today, but advisor told me, that i can not purchase insurance if i am not the keeper of this car. But i dont really understand, how then other people driving friend’s car. If anyone can help me on how i can drive legally my friends car ? thank you

You friend will need to use the V5C log book to make you the registered keeper. This does not make you the owner.
You would need to draw up a simple written agreement to say that you are borrowing the car, free of hire charges, and that you will return it on a certain date or similar. Make 2 copies and then both of you sign it.
When the V5C is sorted he has to send most of it off to the DVLA and then you get the “New keeper supplement” which you can use with MOT, Insurance certificate and payment to get the tax.

Above is the only way other than depending on how trusting of you he is he might not want the agreement

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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.

How To Get The Cheapest Car Insurance

Xmas has been expensive, you’ve spent a lot on presents, you may have dined out on Xmas Day, you remember using your credit card too many times recently, thoughts are now in your head about saving money and cutting down on expenditure.
When it comes to car insurance there are several ways to reduce your annual costs. The first major item to remember is that when filling in your insurance request form, the questions asked are there for a reason and every reply you give is an assessment of your risk to the insurance company.
While at this early point have a think, have you any other type of insurance cover you could request a free quote for?  Have you decided how you are to go about getting your free quotes? Are you approaching a new insurance broker/agent or staying with someone you’ve dealt with for years?
There are advantages in using the internet to search where you can certainly get very advantageous discounts, but if you are thinking of combining your search for cheapest car insurance with cheapest home insurance and, possibly cheapest travel insurance then actually talking to a new broker/agent  could result in those free quotes being lowered further still as the broker could be offering further discounts for signing up new customers.
Returning to your search for the cheapest car insurance the basic rules still apply, such as:- No Claims Discount, this still remains the biggest single reducer of premiums – the safer you drive and without accident the cheaper your premiums will be.
Consider how much “Voluntary Excess” you wish to offer to pay, this is the amount you as the policy holder agree to pay towards the eventual settlement of any insurance claim you make.
What is an acceptable amount of excess? Take in to account two things, the value of your car and the rates you would pay for work done at a garage. For example if you have a 1 year old Mondeo valued at, say, £17K you could propose an excess of approx £200 – £250, such a sum allows you to consider paying in full for the repair, providing it’s a low cost repair, out of your own pocket and not making an insurance claim thus saving your no claims bonus.
At The Car Hub we recently reported on insurance companies operating a “three claims in three years and you’re out” policy, even some of the big boys of the insurance world have already moved to a “2 claims in 3 years” and in isolated cases dropping you as a customer after only one claim.
If you find that your insurance company is refusing to renew your premiums you could be in big trouble. All insurance request forms include the question “have you ever been refused insurance”, if you do not answer correctly, in order to get your insurance cover, and a claim arises in the future, if you’re found out your insurance cover could be cancelled and you personally then have to settle the claim in full from your own pocket.
A final item for consideration is the value of your vehicle, it may be your pride and joy, all clean, polished-up and on your driveway, but to the insurance company it only has a value on the day of an accident; it is that value that will be the settlement figure of a claim and not a penny more.
Be realistic about the value of your vehicle, check out the value of your motor in several car magazines, take an average and insure for that amount, make a note of when your renewal is next due and then revise the value again.
To get the best, cheapest car insurance quote may take a bit of time and effort but you will find it does give you satisfaction in more than one way.
Bill Williams

About the Author

thecarhub.net is a community for all motoring enthusiasts. We offer the same great deals on car insurance, car hire and car accessories as we did on our existing site – the-car-hub.co.uk – but we have added some fantastic new features! You can now: upload photos and videos, have your say on our blogs and forum, • read up-to-date motoring news and articles
keep track of fuel prices in your area, avoid traffic jams by up-to the-minute information on our Traffic road map.
To make accessing thecarhub.net even easier, you can log in using your Facebook or Twitter credentials. It’s that simple!
Happy motoring.

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Cheap Car Insurance For Teens Is Easy To Get, Here Is How

One of the best ways to keep the rates down and obtain cheap car insurance for teens is by having your teen enroll in a driver education course. Not only do most car insurance companies offer discounts to teens who have taken driver education courses, but a driver education course will also help better prepare your teen for the road. Driver education courses are offered in most American high schools, and can be obtained by private companies.

Most driver education courses include classroom instruction, driving practice, and maintenance tips, as well as provide experience.

Classroom Instruction. Driver education courses include classroom instruction. Although most teens are anxious to get behind the wheel, the classroom instruction is necessary to begin teaching them about street signs, traffic lights, and basic rules of the road.

Driving Practice. During driving practice, not only will teens benefit from driving with and getting feedback from an experienced driver, but they’ll also get to see their classmates in action. Therefore, the students will learn from their classmates’ errors and successes.

Maintenance Tips. Some driver education courses teach teens basic car maintenance and repairs. For example, your teen’s driver education course may teach students how to change a flat tire. This is an emergency that can occur for drivers of any age.

Experience. Although a driver education course will not make your teen as experienced at driving as you are, it will give your teen experience that he or she did not previously have. Getting behind the wheel of a car with a driving instructor will give your teen a “heads up” when it comes to actually taking his or her driver license examination.

When the time comes for your teen to take the driver license exam and ultimately purchase car insurance – or be added to your car insurance policy – you can help keep the rates down by making sure your teen has taken a driver education course.

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Cheap Car Insurance for Teenagers that drive like teenagers

Here is a website that is the best for low rate car insurance for your teenager

Cut your Car Insurance Cost in Half

Want to know how to cut your car insurance cost in half? Here’s a simple, five-step method that will get you big discounts on your car insurance.

1. Comparison Shop

Premiums for the same car insurance can vary as much as $1,000 or more between companies, so the first place to start saving money on your insurance is to comparison shop.

There are a number of insurance comparison websites where you can get auto insurance quotes from different companies. Get at least three quotes, compare costs, then choose the company with the best rate.

Some of the better sites let you talk to an insurance professional through an online chat service or a toll-free telephone service so you can get answers to your car insurance questions. (See link below.)

2. Raise Your Deductible

Raising your deductible – the amount you pay on a claim before your insurance company pays – can save you 15% to 30% on you premium. It will also prevent you from filing too many claims which can cause an insurance company to cancel your insurance.

3. Drop Your Collision and Comprehensive Coverage

Collision coverage pays for repairs to your car caused by an accident with another car or an object. Comprehensive coverage pays for damage to you car from theft, vandalism, fire, hail, and other causes.

If you drive an older car that’s worth less than the cost of your insurance plus the deductible, it’s probably not worth having comprehensive and collision coverage. Dropping your collision and comprehensive coverage can save you 15% to 30%.

4. Bundle Your Insurance

Insuring both your car and your home with the same company can save you 10% to 15% on your total premium. A side benefit is that you’ll only have one company and one agent to deal with.

5. Request Discounts

Insurance companies offer a variety of discounts – low mileage discounts, safety and security features discounts, safe driver discounts, etc. Before you purchase a car insurance policy, always ask for all the discounts that are available and take advantage of them.

Visit http://www.LowerRateQuotes.com or click on the following link to view car insurance costs from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

About the Author

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on car insurance costs.

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Get a cheaper car insurance buy online

Have you ever thought about getting cheaper car insurance? Possibilities are probably not be able to track everything will be able to beat the opportunities that are currently available online. This means that to get the best price, you should consider purchasing a car insurance on the web. Why just buy a cheaper car insurance on the web?

Why buy a Car insurance is cheaper online

There are many reasons why auto insurance prices are cheaper on the Internet. Here are three principal reasons:

1) car insurance providers consider that the operational costs of doing business is reduced when the pilot applies for auto insurance online. For example, if a potential customer rings to make an application for listing, a company representative be present to answer queries. And that at any time, Representative attend a service only a single application.

Thus, to a greater volume of output of insurance contributions, resulting in higher income, auto insurance providers to increase their call centers. This leads to higher costs for businesses such as call centers are not cheap to run. They are not simple use. To avoid these costs and business challenges, a number of car insurance providers have been eagerly looking to deal with Internet dating. This option it is probably more economical. It is also more efficient and more convenient for insurance providers and the automotive industry. And in general, customers can leverage the cost savings that the price of car insurance is reduced.

2) Due to the opening of the Internet, the prices offered by suppliers popular car insurance are readily available. Within a couple of clicks Fast and providing some basic information, anyone can have immediate access car insurance quotes. Esto permite comparar impulsores de precios antes de llegar a una decisión de compra. Of course, all things being equal, many opt for purchasing auto insurance company that can offer the best cost.

3) Prices are driven by discounts and promotions. As the car insurance industry is very competitive (which is further amplified by the Internet), all automobile insurance companies have used the rigid offer attractive discounts and promotions. In doing so, they hope to attract new customers and encourage renewals. So if you are a first time customer, always ask if there are discounts for first time buyers. If you happen to be an existing customer, check with the company to see if there is customer loyalty. In general, the rate of fidelity rebates based on the number of years that a consumer is left with the company. Auto insurance is usually much cheaper if a customer has been renewed with the same company for several years.

In short, you may get a cheaper car insurance when you buy online due to reduced business costs, accessibility for comparison pricing and competition among insurance providers. Then visit the websites of auto insurance comparison keep abreast of the latest trends in car insurance prices, promotions and discounts.

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For more information on Auto Insurance Quotes, or how to get Cheap Auto Insurance Quotes, please visit our resource sites.