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Car Insurance

Why you need to avoid lying on a car insurance application

Have you ever bent the truth in order to save money? Although most people would not own up to blatantly lying when applying for a car insurance policy, withholding certain truths can have major consequences should the truth come out later on.

The consequences of lying on an insurance application to car insurance companies near me are serious

There is no way to soften this, but lying, withholding information or deliberate misrepresentation when completing an insurance form is insurance fraud. This is a serious matter and could lead to a criminal conviction and even imprisonment if you are found guilty in a court of law. At a bare minimum, you will find it incredibly difficult to get insurance for your car, and if you do, it will be much more expensive.

Your policy may be cancelled

If an insurance company feels as though you have not been entirely truthful on your application, they have every right to cancel the policy. This will then cause you a problem when you try to get insurance from another company, as you will be expected to disclose information on voided, cancelled or refused policies that have arisen in the past.

Your policy may be voided

A more serious scenario is if an insurance company has proof that you purposely withheld or changed vital information in order to get a cheaper policy. If this happens then the insurance company may void your policy from the start date, so it would appear as though the policy never existed. In addition to which, voiding a policy will automatically cancel any claims in progress, and that means any costs involved will have to be covered by you.

Policy refusal

The insurance company can also refuse to renew or even issue a car insurance policy due to non-disclosure or untruthfulness on an application. Things that people often lie about on an application include previous claims and previous convictions.

The bottom line

Lying on a car insurance policy application form is not worth the risk, as being found out later on can have dire consequences, leaving you uninsured, out of pocket and with a criminal record.

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Car Insurance

Top tips for young drivers in the UAE

If you are a young driver in the UAE and have recently passed your test, you may find the process of choosing your car insurance overwhelming, but it doesn’t have to be. Below we outline some top tips for young drivers to help you get the insurance quotes online you need at the best price possible.

1. Choose the right cover

While it may be tempting to opt for less insurance coverage, if you would be unable to replace your car if it was involved in an accident, then it is advisable to select a fully comprehensive insurance policy. This will ensure, no matter what scenario you may be involved in, e.g. a traffic collision or an act of vandalism, you will have the cover you need.

2. Prove you are a low-risk driver

As a new driver, the best way to prove to insurance companies that you are not a risk is by driving as safely as possible. In your second year as a newly-approved driver, you will be able to significantly lower your insurance quote if you have not made any claims or been involved in any accidents.

3. Carefully select your vehicle

Vehicles with expensive customisations, such as alloy wheels or powerful engines, are more expensive to insure. This is due to the fact it is more expensive for insurance companies to repair or replace them. While it may be tempting to choose an expensive model as your first car, it is better value to choose a car that meets your needs and does not have unnecessary customisations.

4. Compare car insurance online

The best and most effective way to ensure you select the right insurance policy at the best price possible as a young driver is to compare car insurance online. This will ensure you are receiving the best value for the cover you need and will prevent you from having to contact multiple insurance providers individually for a car insurance quote which can be time-consuming.

If you are a young driver looking for car insurance in the UAE, visit Compare Insurance today. We can help you find the cover you need effortlessly.

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Car Insurance

5 car insurance mistakes to avoid if you want to save money

As a smart and conscientious driver, you will already know the benefits of having a decent car insurance policy for when things go wrong. Shopping around for the most suitable car insurance deal is something that all drivers should do, but many people often make mistakes with their car insurance policy. Here are some of the car insurance pitfalls to avoid.

1. Inadequate coverage

One mistake to avoid is to automatically sign up for the policy that offers the cheapest quote. That low quote often comes at the expense of offering you a policy that doesn’t provide enough protection e.g. 3rd party insurance, something you may not notice until you make a claim.

2. Not being truthful about prior insurance claims

Prior to furnishing you with a quote, all insurance companies will ask you to disclose information regarding any prior car insurance claims you may have made. You need to make sure that the information you provide is up to date as any undisclosed claims discovered further down the line could see an increase in the cost of your policy.

3. Not adding all drivers

You need to be completely honest with regards to how many people will be driving the vehicle on your policy. Failure to disclose one or more drivers could result in either an increase in your premium or your policy being cancelled altogether should this information be discovered by your provider.

4. Not adding accident forgiveness to your policy

Make sure you ask the insurance company you are requesting a quote from if they have such a thing as an accident forgiveness feature on their policy. Under this plan, the first collision you have will not see an increase in your policy’s premium.

5. Not getting all the discounts you are entitled to

One of the most common mistakes people make when taking out car insurance policies is not making sure they are getting all the discounts they qualify for. Most insurance companies offer discounts for those who have not made any previous claims (often called a no-claims bonus), or for having additional security measures fitted to the car. Even adding a dash camera can often lower your monthly premiums as the footage it offers will make deciding who was at fault should a collision occur much easier.

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Car Insurance Health Insurance Travel Insurance

Is it difficult to compare insurance quotes online?

No matter what kind of insurance you’re looking for, whether it’s travel, health, home, or car insurance, you have the best chance of finding the right deal for you when you compare online. Comparing different insurance quotes online is the sure way to ensure you get the best possible quote – but is it difficult to do?

The simple answer is no, anyone can do it!

How do you compare quotes online?

There are two main ways you can compare travel insurance from different insurance companies online. The first is to make a list of insurance companies and make your application to each of them. When you get your quote back, you can compile those quotes in a list and see which is the best one for you. The trouble with this is that it’s time-consuming and laborious.

The second way is by using a dedicated insurance comparison site. There you make one simple application, no matter what kind of cover you’re looking for, be it home insurance, car, travel, health, etc, and the comparison tool does the hard work. It passes your application on to multiple insurance partners, who will then provide you with a quote. The quotes are automatically compiled in a list for you, and in many cases, you can have multiple quotes to choose from in as little as a few minutes.

How do comparison websites work?

Comparison websites partner with multiple insurance providers. When a customer makes an application through the comparison site, it passes it straight to those insurance providers. Generally, a comparison website will make its own money either through advertising or through fees for its service, either directly to customers or to the insurance providers. Either way, it offers a much faster and more convenient way to find a variety of insurance quotes in as little as a few minutes.

If you want to find your next insurance quote online, be sure to use a comparison site that you can trust in order to get the very best quotes possible. Whether it’s home insurance, car, travel, or health cover you need, you can rely on Compare Insurance for the quote.

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Car Insurance Travel Insurance

How to plan a self-driving holiday

If you have always dreamed of driving around different countries on a self-driving holiday, whether independently or with family and friends, it is important you carefully plan for your trip. In this blog post, we outline the top things you must consider and arrange before hitting the road.

1. Buy a reliable vehicle

Instead of renting a car or van, which you are unfamiliar with, you should choose to complete your self-driving holiday in a vehicle you own and are familiar with. This will ensure you do not experience any unexpected breakdowns and you are familiar with the driving limits of your car.

2. Find the right car insurance

If you choose to drive your car around the UAE or in a new country, it is essential you have comprehensive car insurance. Compare different car insurance policies and select a policy that offers you cover when in a different country. Insurance quotes online will ensure that should you get into an accident or breakdown, your holiday won’t be ruined by an extortionate fee.

3. Plan your route

While it may be tempting to hit the open road and see where it takes you, it is advisable to plan your route beforehand. This will ensure you can research any local rules and regulations and make sure you have the proper documentation to cross certain borders.

4. Revise your travel insurance

Ensure your travel insurance is updated before you hit the road. Even if you do not plan to leave the UAE, you may still require travel insurance. Selecting a comprehensive travel insurance policy before you begin your holiday will also ensure that should you decide to expand your holiday, or travel further afield than planned, you will be covered.

5. Create a budget

To ensure you do not blow all of your holiday budget in one destination, allocate a small budget for each place you plan to visit and try to stick to it. Remember, your biggest expense will most likely be fuel so this should be prioritised over other expenses.

Visit Compare Insurance

To ensure you get the best travel insurance and car insurance for your self-driving holiday, visit Compare Insurance today.

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Car Insurance

What information do I need to give when buying car insurance?

If you’ve just passed your driving test or bought a new car and need to insure it before you get out on the road, it can be a bit of a minefield. As well as sussing out the different types of car insurance, you will also need to get organised and know what information you need to provide to potential insurers. Having your documents at your side when you’re shopping for car insurance will make the process easier and faster to compare insurance quotes.

So without further ado here’s a checklist of the information you need when buying car insurance.

Driver’s licence

This one’s a bit of a no-brainer, but you will need your driver’s licence to hand in case you need to input any information from it. On a side note, you should always keep copies of your licence in case it goes missing.

Vehicle registration

You need to bring with or have to hand any vehicle registration forms as proof of ownership.

Current declaration page

If you already have existing insurance for the vehicle you want to insure, it’s time to unearth your existing insurance declaration page plus any other documents related to your policy. You never know when you might need to access those T&Cs!

Voided check

When you purchase a new car insurance policy you’ll be asked questions about whether you’ve ever had a past policy terminated, declined or voided in the past.

Something to keep in mind

After you’ve bought your shiny, new car policy your insurer can cancel your policy if you fail to disclose certain information. If you give false information on purpose it counts as fraud and could mean your insurance is voided.

Never lie or give false information, not only could you risk losing that great deal you’ve just found, but you will also find it much more difficult to get a new policy in the future.

Find a great deal on your car insurance by using Compare Insurance today.

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Car Insurance

Four ways to drive your car insurance cost down as an experienced driver

Average car insurance cost can be yet another of those annoying costs that come out month after month, stopping you from diving into your next favourite hobby or taking that holiday you’ve wanted for ages. Here are a few ways to reduce your car insurance bill and free up some money to be better spent on you.

Pay Annually

Paying for your car insurance monthly is effectively taking out a loan. You’re spreading out what would be an annual cost into twelve, but when you pay monthly you also cover an interest payment sprinkled on top. Although you’ll only save a few per cent this way, if you’re saving the pennies then the pounds can look after themselves.

Only pay for what you need

Some people, when looking at car insurance, will consider going for a selection of fun features that they just don’t need. For example, if you were to go for “Enhanced Breakdown Cover” with a brand new car, it might not be required and could be a significant added cost to your car insurance quote. If you only get what you need for you could save a significant amount of money year on year.

Don’t modify your car

Whilst modifications like a louder exhaust, changed bodywork or a tuned engine might seem like a fun idea at the time, they can often come with high insurance costs. This is because modifications can often be done by dealers that are not certified or are seen to be unreliable. Whilst you might enjoy having a modified car, you might have to consider if the insurance cost is worth it.

Shop around

A lot of the time, you won’t find the best deal in the first place you look. It’s always best to shop around to try and find the ideal plan for you at an affordable price. If you’re interested in the best place to compare and contrast car insurance quotes, just visit Compare Insurance. We have a wide range of car insurance companies and quotes available, so we can help you to find the perfect deal.

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Car Insurance

3 car insurance myths debunked

Car insurance can be extremely difficult to wrap your head around, so to make sure that you end up with the best deal, we’ve debunked three of the most common myths about cheap full coverage insurance.

No claims bonus protection will prevent my premium rising

Many car owners make the mistake of assuming that if they pay more to protect their no-claims bonus then this will stop their premium from growing if they decide to make a claim. However, it isn’t that straightforward. If you have chosen to make a claim and have already paid to protect it, you won’t lose your no-claims bonus, but your premium still has the potential to increase because your insurer might label you as ‘high-risk’. Your no-claims bonus also serves as a discount that is taken away from your premium, so you may still pay more at renewal.

Comprehensive insurance is always more expensive than third-party cover

While it makes logical sense that low-level cover would be cheaper, this is not always the case. Drivers that choose low-level cover have a tendency to make more claims, which has increased the cost of these low-cover policies. For many car owners, comprehensive cover can either cost less or the same as third-party cover or third-party, fire and theft cover, with the added benefit that your own vehicle will receive coverage for any damage.

If I don’t claim, my car insurance premium won’t increase

Every year that you don’t make a claim, you might be building up your no-claims bonus, but this does not mean that your car insurance premium won’t increase. The cost of your insurance will depend on a wide variety of factors. The majority of insurers will consider your age, so after you reach a certain age, your premiums might rise because you are regarded as higher risk. If you make specific adjustments to your insurance policy, such as your address or job, your premium could also change.

If you need help finding the best car insurance policy for you, get in touch with our team at Compare Insurance today.

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Car Insurance

What are the different levels of car insurance cover?

We find that many people become confused when trying to compare cheap car insurance near me. Before you attempt to sift through the large number of insurance companies trying to offer you the best deal, it’s important to know the difference between each level of cover. Here, we tell you everything you need to know:

The three variations of car insurance are:

• Fully comprehensive insurance
• Third party fire and theft insurance
• Third party insurance

Third party insurance

This is the minimum level of insurance that is legally required to drive in the UAE. However, you should be aware that if you are only choosing to invest in third party insurance, your cover will be the most basic. This type of insurance only covers damage that you may cause to someone’s property, or compensation for any injuries. Therefore, everyone is covered other than you. If your vehicle has sustained damage from an accident, you won’t be covered. This also applies to issues that aren’t self-caused, such as your vehicle being stolen or damaged by a fire.

As you’d expect, third party insurance used to cost less than other options. However, they are now often the most expensive. While we may recommend this to those owning an older, less valuable car, it is often more cost-effective to look for other insurance, and this will also reduce your level of risk.

Third party fire and theft insurance

This offers an extra layer of protection than third party only, as you’ll also be protected if your car is stolen or damaged by fire. Again, this tends to be more expensive than fully comprehensive insurance, and is more suited to older cars. If you have a new, top of the range vehicle, you don’t want to risk not being covered for accidental damage, which is much more common than theft or fire.

Fully comprehensive

This is the greatest level of insurance cover. With fully comprehensive insurance, you’ll be covered for any damage to other vehicles, and your own. You’ll also be covered for thefts, fires and accidents. Historically, this was the most expensive, but nowadays, full comprehensive insurance tends to offer the cheapest quotes. However, you should be aware that your insurance quote will vary depending on a number of other factors, and it’s always a good idea to explore your options before deciding to commit to one.

You can do this with us at Compare Insurance. For more information, don’t hesitate to get in touch.

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Car Insurance

The number one tip for getting an affordable car insurance quote as a young driver

If you’re a young driver you’ll know that finding affordable car insurance cover is easier said than done. Young drivers are considered a high risk when driving, and as such young driver insurance premiums can be expensive. If you’re looking for the best car insurance price, however, what is your best option for finding the most affordable deal?

Where can you turn for affordable cover?

The secret to getting the most affordable car insurance possible as a young driver is to shop around. You need to find a broad range of insurance companies to get quotes from, to see which of them is willing to give you the cover you need for the least amount. It can be a time-consuming business, however, to get a quote from each of them individually.

This is where a comparison tool comes in fantastically useful. All you need to do is make one simple application, then wait a few moments while the comparison tool does all the work. Quotes will be generated from a wide selection of insurance companies, to allow you to see which of them can offer you the best possible deal on your insurance.

Picking and choosing the best cover for you

It’s easy to get locked into thinking the best cover for you is the cheapest – this isn’t always the case, however. As a young driver, you want to make sure your insurance cover is as comprehensive as possible, as well as being affordable. Fortunately, when you use a comparison tool you can see the details of the cover, as well as the cost.

This allows you to compare more than just the monthly premiums, you will be able to see what each quote actually offers in terms of insurance coverage. With that, you can find yourself the best deal, not just the cheapest deal. Car insurance is essential, and so worth investing in if it means you get slightly better coverage as a result.

If you’ve recently passed your driving test, find the best and most affordable insurance cover available for you by using a specialist comparison tool like Compare Insurance today.

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