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Car Insurance

Why is fully comprehensive car insurance so popular still?

Car insurance is an essential that everyone must have to legally drive around. There are a few options to think about here and fully comprehensive cover is enduringly popular still. While other types of policy (such as 3rd party) might look appealing, fully comprehensive cover comes with some unique benefits. But what are they and what does this sort of top car insurance companies include?

What is fully comprehensive insurance?

Before we look at why so many people choose this type of cover, it is worth clarifying what it comes with. As the name suggests, this type of car insurance gives the most protection to your vehicle. If you take out this sort of policy, you get protection for any damage you cause to other people and other vehicles plus cover if your car is stolen or damaged in a fire. It also gives cover to the car driver and pays out for damage to your own car.

But why do so many people choose this auto insurance still?

Peace of mind

Although insuring your car is a legal necessity, it also gives peace of mind when out on the road. Fully comprehensive cover is the highest level you can get and this means you can get behind the wheel without any worries. You know that you are covered in any eventuality and have protection to fall back on – whatever may happen. This allows you to focus solely on driving and not worry about something happening which your insurance will not cover.

Better value overall

There is no doubt that this type of insurance will cost more to take out at first. But it can actually work out better value – especially if you shop around for the best deals. You might think taking out a less expensive annual policy saves you money but it won’t if an accident happens which it does not give protection for! Comprehensive insurance, however, covers you against most things and can save you money on paying out for expensive repairs.

Can come with handy extras

Some fully comprehensive policies will come with cool extras, as a reward for taking out the highest level of cover. These might be things you would have to pay for separately otherwise or not be able to afford. While all policies differ, things like breakdown cover are common add-ons. As with getting the best value, the key is to shop around and find a fully comp policy with the extras you want.

Shop for car insurance with Compare Insurance

As noted above, shopping around to get cheap car insurance online is a smart move. Here at Compare Insurance, we bring together all the best deals from all the top insurers in one handy place. Browse our site for the best deals today or contact us for more help.

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Car Insurance

What you need to know about car insurance for new drivers

There is nothing like the exhilaration of finally passing your driving test and knowing that the roads are your oyster. The thrill of searching for your first car of your own is an exhilarating feeling. However, the ecstasy can be tempered when considering the costs that may be associated with the best auto insurance companies for new drivers.

As newer drivers tend to be considered more of a risk by insurance companies, car insurance premiums can be higher for those who have only recently passed their test. Younger drivers under 25 may also find that premiums are higher than for older drivers who have just passed their driving tests. Furthermore, new drivers will not have been able to build up a No Claims Discount, which would otherwise reduce their premiums.

So, what are some ways to find the best deals on car insurance for newer drivers?

Opt for a car that is less expensive to insure

Some cars are more expensive to insure regardless of how long you have been driving or the age of the driver. Before you purchase a car, use a comparison site to check the potential costs of your insurance premiums.

Choose black box insurance

A black box is a small device that is installed in a car and monitors the safety of the driving and the amount of mileage done. Generally, black box insurance can be cheaper than other types of insurance and is a great option to consider for new drivers looking for affordable premiums.

Select a larger excess

Most insurance policies come with a standard excess which is the amount that you would need to pay in the event of a claim before the insurance company covers the rest of the claim. In choosing a larger voluntary excess, you would have to pay more if you needed to claim but you may also decrease the cost of your insurance premiums, saving money.

Use a trusted comparison site

Using an insurance comparison site can help you to find the best deals for you. This will allow you to find an affordable quote that ticks all the right boxes in what you are looking for. With a range of options to choose from, a comparison site makes it significantly easier to select the type of insurance that you want within your budget.

For all your insurance comparison needs, please visit us at Compare Insurance and insure my car.

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Travel Insurance

What you need to know about travel insurance this summer

After months upon months of lockdown restrictions keeping aspiring travellers from jetting off on holidays, it looks like a summer holiday may finally be more of a reality than a pipe-dream. The government is set to announce which countries are on their green list and which ones are no-go zones, allowing you to book your trip.

If you are thinking of booking a summer trip for yourself and your family, adding comprehensive travel insurance is now a necessity. So, what should you look for in an insurance policy if you intent to travel abroad this summer?

COVID-19 cancellation cover

Some insurers are currently offering full cover in the event of a COVID-19 related cancellation. This can include circumstances that require you to self-isolate because of testing positive for the virus or if the country you are due to visit changes its rules.

Most insurance policies now cover you if you test positive for coronavirus while you are away on your holiday, but you should always double-check the terms and conditions to be sure of exactly what they offer. Some policies will cover your medical bills while you are in a foreign country, while others will also repatriate you to the UK in the event that you catch COVID-19.

What else is important in a travel insurance policy?

Aside from COVID-19, there are still many other things that you may need to think about when you are booking your summer holiday. One of the most important points to consider is the level of protection in the case of an illness or injury while you are away. Of course, nobody wants to think about their holiday being spoiled in this way, but it is always better to be safe than sorry and it could save you a significant sum of money.

Additionally, ensure that you have adequate cover in the event of lost luggage or if your belongings are stolen. This will give you peace of mind and reassurance that, no matter what happens, you will not be left out of pocket.

To find the best deals on your policybazaar travel insurance, please visit Compare Insurance.

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Car Insurance

Which type of car insurance is best for you?

The world of car insurance brokers can be confusing for the uninitiated. With an array of choices, including comprehensive cover, third party, fire and theft and third party insurance, it may prove daunting when you come to select which is the best for you. When you also add black box policies and decisions about excesses into the mix, that can complicate it even more.

This helpful guide simplifies the process, allowing you to pick the perfect cover to suit your needs and car insurance cost.

Third party

This type is the minimum standard of cover required under the law. It covers injuries to others, including any passengers or damage to other people’s vehicles that you cause.

Third Party, Fire and Theft

Similar to Third Party insurance, this covers damage to your car in the event of a fire, theft and, with some policies, any damage caused if there is attempted theft of your car.

Comprehensive cover

Comprehensive cover includes all the benefits of Third Party, Fire and Theft, with the bonus of paying for claims if other people are injured, or their cars are damaged in an accident you are involved in. This type of insurance will cover medical expenses too. Additionally, it generally covers accidental damage to your vehicle and allows you to claim if the contents of your car get stolen.

What is “black box” cover?

Black box insurance works by installing telematics equipment into your car. This equipment monitors your driving behaviours. It will record data such as the safety and speed of your driving, how well you take corners, the times when you are on the road and the length of your journeys. Based on this information, the cost of your insurance is calculated. Safer drivers will save money.

All about the excess

The excess is the amount of money you pay out of your own pocket if you need to make a claim. Excess can be compulsory, in which case it is determined by the insurance company and will be a set amount that you will have to pay before the insurer pays for the rest of the claim. However, it can also be voluntary, and you can decide how much you want to pay in the event of a claim. Generally, the higher the voluntary excess, the lower your premiums will be.

To find the right car insurance policy for you, contact us at Compare Insurance.

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Categories
Health Insurance

3 reasons young adults should invest in health insurance

When you think about the best individual health insurance, it might seem like something only older generations have to worry about. After all, if you are young, fit and healthy, chances are good that you won’t ever need one of these policies. However, there are several reasons why you should consider taking out health insurance, no matter your age.

1. Tragedy can strike at any time

Although you may be in good shape now, the truth is you can never predict what is going to happen. Young people are not immune, and an unexpected illness could befall you at any time. Unfortunately, there are so many cases where perfectly healthy people are suddenly faced with an unforeseen affliction, or they may be involved in an accident that could simply never have been predicted. Getting health insurance can protect you from these unexpected costs and cover any out of the blue expenses.

2. You’ll enjoy other benefits

Most health insurance policies come with a wide range of benefits for the holder to enjoy. You could qualify for free annual health checks, store discounts, cinema tickets, rewards programmes, specialist treatments and more. When you factor in all of these savings, the policy pays for itself. Even if you think you will never need to claim, it is worth having the safety net and benefits that come with it.

3. The costs will be lower

The younger you are, the cheaper your insurance premiums will be. That means if you are young, fit and healthy, you’ll likely be offered a range of competitive quotes that may be more affordable than you first expected. Companies also usually offer different plans according to your needs, with lower-tier plans offering less expensive monthly fees. If you know you don’t need your policy to cover much, you can opt for a cheaper plan to suit you to get health insurance.

Health insurance may not be a priority for young people, but the benefits of holding a policy far outweigh the costs involved. Compare Insurance can help you find the best health insurance deals today; browse our website or contact us for more information.

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Travel Insurance

What are the benefits of travel insurance?

When you’ve booked your flights, hotel and airport transfers, there is one more consideration to keep in mind. Taking out a cruise travel insurance policy before you set off can be extremely important for a variety of reasons. If your holiday is cancelled, if something goes wrong during your trip or if you fall ill when you are abroad, travel insurance can provide you with an essential safety net.

You may not want to think about the things that could go wrong during your holiday, but it is always important to plan ahead. So what are the main benefits of travel insurance and why should you never set off on holiday without it?

Protects against cancelled trips

If an unforeseen event occurs, causing the cancellation of your trip, it can be disastrous to lose hundreds or even thousands of pounds. Cancellation can occur for a variety of reasons, such as an unexpected illness affecting one of the travellers or any other event which prevents you from going. In many cases, your package provider, hotel or airlines may not be able to refund the money. Therefore, having a trusted trip cancellation insurance policy allows you the recourse to recover your funds and not be left out of pocket.

Of course, it is extremely important to check whether or not your policy covers cancellation in the event of certain acts of God, such as earthquakes, wars, hurricanes or tornadoes, as some policies exclude these from the terms.

Protect your belongings

If your luggage goes missing during your travels, you lose a treasured item or you are the victim of a theft, having travel insurance means that you can claim the value of the items that you have lost. This will give you peace of mind and allow you to enjoy a stress-free trip.

A lifeline in the case of illness or injury

Falling ill or having an accident during a foreign holiday is a disconcerting thought. However, when you are covered by an insurance policy, you can rest easy knowing that your medical expenses will be covered. Even repatriation may also be covered, so whatever happens, you will remain financially protected and you won’t be left with vast and unaffordable medical bills.

Find the best travel insurance for your trip today.

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Health Insurance

Can you get health insurance with pre-existing conditions?

If you have pre-existing conditions, the thought of trying to find private medical insurance can be daunting. Whether you have a heart condition, diabetes or something else, it can be a worry whether an insurer will insure you. Even if you find the right company, you may be concerned that your conditions will push up the price of your premiums. So, what is the situation for people with pre-existing conditions that need to find the right health insurance?

Is health insurance available for people with pre-existing conditions?

The short answer is yes, you can get long term health insurance if you suffer from one or more pre-existing conditions. Many insurers will still cover you for new conditions, however, you may find that your insurance company places several restrictions on what they will and will not pay out for if you require treatment.

What are pre-existing conditions?

Pre-existing conditions include any medical-related problem that you have sought treatment for in the past. It incorporates any treatments that were provided by NHS services or by private clinics and can refer to medication, medical consultations and surgeries. The majority of insurers refer to pre-existing conditions as any medical issue for which you have had treatment within the past five years, although this time period can vary from one company to another.

Therefore, if you have suffered from an illness more than five years ago and have not sought treatment within the past five years, many insurance companies may not classify it as a pre-existing condition. Common pre-existing conditions include hypertension, diabetes, heart disease, cancer, strokes and arthritis. If you have one of these or another pre-existing condition, an insurance company could still give you a policy but will probably not pay for treatment concerned with a chronic condition.

Does it cost more to get insurance with a pre-existing condition?

As many insurance companies exclude pre-existing and chronic conditions from the cover provided by their policy, it is unlikely that your conditions will increase the price of your policy. However, there are some policies that will include your pre-existing conditions in their cover when you pay higher premiums. If the cost of treatment for your pre-existing conditions is high, then paying a little extra for your premiums may be worth it.

Find the right insurer for your needs at Compare Insurance and find health insurance agents near me today.

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Travel Insurance

Three things that may be increasing the cost of your travel insurance

Despite the benefits of travel insurance, such as cover for medical emergencies, some people don’t invest in it due to its cost. Travelling without cover could end up costing you far more than the price of cruise insurance, should something go wrong. Regardless, here are three things that may be increasing the cost of your travel insurance and what you can do about it:

Unnecessary benefits

In general, the more benefits a travel insurance policy offers, the more it will cost. Factors such as the value of lost goods covered and the amount of cover for medical expenses will impact how expensive a policy is. Obviously, you should ensure the policy you take out offers you the cover you need. However, if you don’t need the highest level of cover, don’t pay extra for it. For example, if the policy offers to cover stolen goods up to a value far higher than the value of your belongings, you could save money by reducing the value the policy covers.

Paying per trip rather than annually

If you travel more than twice a year, you could probably save money by choosing an annual travel insurance plan. These plans cover you for an entire year, regardless of how many trips you take during that time. As well as being more cost-effective, annual plans are a good option for people who frequently travel on short notice and so don’t have much time to organise insurance before leaving.

Pre-existing medical conditions

As travel insurance is partially intended to help you pay for medical emergencies while away, factors such as pre-existing medical conditions can increase the cost of your policy. This is because some medical conditions make it more likely that you will become unwell and need to make a claim. However, this does not mean it is impossible to get travel insurance if you have a pre-existing condition. Using a comparison website, such as ours, is a quick and easy way to see the options available to you.

To check how much you could save on your flight insurance, use our website to compare the policies available and find the best option for you.

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Categories
Car Insurance

Factors that may be affecting the cost of your car insurance

1 day car insurance can be a costly expenditure, and there are many factors that influence just how much of a drain it puts on your bank balance. It is an essential outlay, but when you are aware of what is driving up the cost, it makes it easier to try and change those factors.

Here are three major factors that could be driving up the cost of your new driver car insurance:

It’s a postcode lottery

It might seem unfair that your driving safety standards are measured against the parameters of other drivers in your neighbourhood, but this is a common factor that insurance companies use to set your premiums. The logic behind this is that if you live in a neighbourhood where there are fewer accidents and less vandalism, the chances that you will need to make a claim are smaller. The lower risk results in lower payments and vice versa.

Your car defines the terms

Insurance is calculated in a variety of ways, but the age and model of your car are both decisive factors in generating the price of your car insurance. More powerful cars tend to elicit higher quotes for car insurance premiums. Certain models are also automatically designated to a higher band of insurance. Companies will tend to look at any modifications made to the car as well when they calculate your costs. Features such as a dashcam, tinted windows and Autonomous Emergency Braking can impact positively or negatively on your overall insurance charges.

Your driving prowess

It might have been a moment of madness, but speeding past a camera or mobile unit can impact the cost of your car insurance premiums for years to come. Although the points only remain on your licence for three years, insurance companies tend to ask for details of any penalties that have occurred in the last five years. The more points that are on your licence, the higher the cost of your car insurance is likely to be.

Luckily, insurance companies also take other features of your driving into account, such as your annual mileage and whether or not you have built up any time period without making a car insurance claim. The longer you keep a no-claims bonus going, the bigger the reduction you are likely to see in your insurance payments.

For a swift and transparent insight into the best insurance deals, visit Compare Insurance.

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Car Insurance

Three ways to get the best car insurance deals

Buying car insurance for new drivers can be daunting at times, as there is so much to take into consideration. But really, it’s all about understanding what you’re paying for. Whether you’re a new or experienced driver, here are three of the best ways to get the best car insurance deals:

1. Secure your car to secure your insurance price

One of the best ways to get the liability car insurance deals is to show the underwriters not just how safely you drive, but how safe and secure your car is. Make sure your car has a professionally fitted alarm and/or immobiliser and by parking in a safe spot, such as in a driveway or garage. Doing this will lower your risk, giving you much cheaper insurance.

2. Don’t pay more for add-ons

When buying car insurance, you’ll notice providers will try to sell you add-ons. However, sometimes the best insurance deals may require you to skip these add-ons because they’ll just add extra costs without any benefits. Think about if you need a courtesy car or legal cover. Breakdown cover can even be included on some bank accounts. You should also think about travel insurance which can cover excesses on rental cars while travelling.

No Claims Protection is actually a good add-on to have. It will keep your premiums low, even if there is an accident on the road, which is good in the long term.

3 Comprehensive over third-party

Many insurance providers have found that, statistically, those who take out third-party car insurance are more likely to make a claim. This means that they’ll drive up the price of third-party insurance even though it offers less cover than comprehensive. Those who choose comprehensive insurance are considered more responsible, and so the premiums can be much lower. This can be an excellent choice as you, your car and the third party will be covered, and you won’t be overpaying for the privilege.

Generally, you should compare providers to secure the best deal. Our dedicated team of specialists are here to help, so contact us today and we’ll help find you the best car insurance deal.

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