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Car Insurance Health Insurance Travel Insurance

2 things you should avoid doing when buying insurance

When buying insurance, from covering your car to covering yourself abroad, it’s very important that we take the time to truly look into what we are purchasing. Many of us get into the habit of just trying to get it over and done with, especially when getting insurance is something we absolutely have to do.

However, insurance isn’t just something that we buy for peace of mind or because we have to. No, it’s something that we, unfortunately, might have to make a claim on and it’s vital that we choose correctly should that unwanted circumstance arrive.

So here are two things we should avoid doing when buying insurance:

1. Always going for the cheapest option

While this is very tempting, it can seriously backfire when making a claim. Many insurance companies offer similar cover at a fraction of the price to others and when this is the case, it’s only natural to go for the cheaper choice.

However, sometimes policies are much cheaper for a reason and it’s usually because they have a lot less to offer you. While going for the cheapest option may feel great when paying, if you do need to make a claim the chances are it’s going to cost you much more if you opted for a policy with a lot less cover.

2. Sticking to the same provider

Top 10 cheapest car insurance companies often give incentives to customers so that they renew any type of insurance cover with them rather than a competitor. This, coupled with the ease of renewing rather than switching, means that many of us choose to stay with the same provider when we could be much better off elsewhere.

From better cover to slightly cheaper rates, another company could offer you everything you’ve previously had and more. While it may be a hassle to set yourself up with a completely new company, this shouldn’t outweigh the potential benefits of doing so.

Buying insurance isn’t the most exciting thing in the world but in many cases, it is necessary and it’s because of this that we should take the time to really look into what it is we are buying. Avoiding the top two points can be a great start.

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Car Insurance Health Insurance Travel Insurance

What do you need to know before using an insurance comparison website?

It doesn’t matter what kind of insurance package you’re looking for, whether it’s medical and health insurance, travel insurance, or car insurance – one of the best ways to find a great deal is by using an insurance comparison website.

There are two vital pieces of information you need to know, however, before you get started.

1. What kind of cover do you want?

This is an important question that it’s essential to answer before you begin searching for policies. Insurance policies are now so broad in their spectrum, with insurers offering bespoke levels of cover for every individual client. This means it can be difficult to simply find a “one size fits all” policy. Ultimately this benefits you, however, as it means you’re only ever going to be paying for the insurance cover that you actually need, and you won’t have aspects to your policy you’ll never use.

To get the benefit of this, you need to know exactly what sort of cover you require. If you’re searching for business car insurance, for example, you need to have a rough idea of how many miles you think you’ll drive, the amount of excess you’re willing to pay, and any additions to the policy you’ll want to add, such as breakdown cover or contents insurance.

2. How much can you afford to pay?

The other vital piece of information you need is what your budget looks like. Comparison websites work by giving you a broad range of quotes to choose from, so you will see both the cheaper and more expensive end of the insurance spectrum. You shouldn’t always just choose the cheapest cover, however, as this can be a false economy. That means it’s important you have a good idea of exactly what you can comfortably afford to spend, in order to make sure you’re able to find the best deal for your circumstances and obtain the best private health insurance.

It’s always best to choose a policy you’re confident you can consistently afford, rather than one that’s too cheap to provide you appropriate cover, or too expensive to mean you’re not always going to be able to pay your premiums.

With this important information settled, you can find your perfect insurance quote at Compare Insurance today.

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Car Insurance Travel Insurance

Driving in the desert: what you need to know

If you are driving in the UAE, and have an off-road vehicle, you may, at some point, want to drive in the desert. Here’s what you need to know if you are planning to drive in the desert.

Make sure that you are covered

A lot of general travel insurance doesn’t cover off-road insurance, although if your car is an off-road vehicle (and it should be if you’re considering driving in the desert!), you may find that it is an easy add-on.

However, some off-road cover has restrictions, considering the cars’ general capabilities and things like its age, the miles that it has travelled, etc. If the car has been previously damaged, it may not be applicable for automobile insurance.

Basically, have a thorough read of your car insurance policy, and if you don’t understand anything, contact your insurance provider and get them to go through it with you.

Make sure that your car is in good shape

Your car insurance provider may require a recent service in order to insure it. This is because they want to be sure that it won’t break down in the desert. Even if they don’t, it’s definitely a good idea to get your car serviced before heading out – you don’t want to break down either, do you?

Stock up on essentials

When driving in the desert, you’ll need to make sure that you have enough petrol, water and food to help you out of any emergencies. You may drive long stretches with no petrol stations, so make sure that you have plenty of fuel to keep going. If your car breaks down, you’ll be thankful for the food and water! Also, try to make sure that your phone has the best coverage possible, or opt for a satellite phone for emergencies.

Learn basic repairs

Being able to inflate and deflate your tires, check your water and oil levels, and perform other basic repairs could be a game-changer if you get stuck anywhere. Before heading out in the desert, make sure that you have an idea of how to sort out small things in your car.

Driving in the desert is great fun, but it’s not without its risks. Follow all of the advice above for a hassle-free trip!

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Car Insurance

A key way to lower your car insurance quote during the Covid pandemic

The coronavirus pandemic has hit every part of the world and cases continue to grow. 2021 is no doubt going to present similar challenges as 2020, which means for many people, their driving habits have considerably changed. For a large portion of workers, their commute now involves moving to a different room in their home, rather than to their office.

How can this save you money on your car insurance?

Thinking about your mileage

A key component of your car insurance quote is the mileage that you do. It stands to reason that the more miles you travel, the greater your risk of being involved in an accident, which in turn makes your quote higher.

But what if you’re not doing all those miles? For many people during periods of lockdown, the mileage they have covered has fallen dramatically, but they still continue to pay their insurance premiums. The fact is, however, that you can change your mileage estimate any time, and your insurance provider should be able to recalculate this for you.

The effect should take place from the beginning of the next month if you pay your insurance premiums in monthly instalments, or you may be entitled to a partial refund if you have paid your premium upfront.

Saving money with a new policy

If your car insurance policy is due to run out soon, you could also save additional money by choosing a different car insurance provider altogether. You stand to save considerably, as car insurance providers are keen to win new clients in these challenging times by offering attractive introductory offers. So if your car insurance is coming to an end in the next few months, don’t automatically renew it – instead, see if you could stand to make savings on a brand new policy.

Driving without insurance is dangerous and finding that new policy is easy. all you need is a specialist comparison website, like Compare Insurance. You simply add your details and in seconds you can get a number of quotes from a range of insurance providers. Remember to take into account your lower annual mileage – you can always raise it later if you start driving regularly again.

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Car Insurance

Factoring car insurance costs into your new car budget

If you’re thinking about buying a new car, it’s always an exciting time. Everyone has a budget when they’re looking for a new vehicle, but it’s important that you budget properly to ensure you get a car you can comfortably afford. Comprehensive car insurance is a non-negotiable expense when it comes to owning a car, so you need to factor this in before you buy.

Understanding car insurance costs

Many different factors can figure into the car insurance costs you’ll incur. For example, if you’re choosing a rare and powerful car, it will cost much more to insure than a mass-produced hatchback with a small engine. Similarly, if you’re buying a car that has a reputation for being popular among car thieves, or you drive a high number of miles a year, the costs grow. Similarly, if you’re planning on buying a car that is already modified, or you plan to modify it yourself, that too will affect your insurance costs.

How do you accurately budget insurance costs?

It’s important that you consider how much of your budget you can afford to spend on car insurance. It’s worth investigating what insurance bracket your car is in – every car is put into an insurance category, so a higher category means higher insurance costs.

As a ballpark figure, for cars costing in excess of 300,000 AED, the insurance is roughly 2.75% of the car’s value, rising to 3% for cars between 100,000 and 300,000 AED, and 3.25% for cars under 100,000 AED. These figures are only averages, however. For many, car insurance is the second-highest ongoing cost associated with running a car, second only to the cost of fuel.

Getting car insurance quotes the easy way

When you need to insure your new vehicle, consider using a specialist insurance comparison website like Compare Insurance. All you need to do is put in your details, the details of the car you want to buy, and some information about your driving habits, and you’ll get a broad range of quotes in seconds. This will help you find the most affordable quote for your budget.

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Car Insurance

Should you insure your car before you buy it?

Car insurance is, of course, essential before you can drive your vehicle. But if you’re thinking about buying a new car, when is the best time actually sort out your car insurance? In certain circumstances, it actually makes the most sense to get a car insurance policy in place before you have even bought the car. This can help save you time, and get you on the road faster.

When should you insure before you buy?

Obviously, if you’re not sure what car you’re going to buy or you’re just going to look at a car, it’s worth making sure it’s what you want and expect before arranging motor vehicle insurance. But, there are instances where you know a vehicle is the one you want before you have even left to see it. In these instances, you can actually arrange insurance on that vehicle before you have bought it.

Why would you do that? The main reason is to make the process of getting the vehicle home faster. Once you have bought the car, it means you can just get in it and drive straight home, rather than having to spend time arranging insurance. Some dealers might offer you driveaway insurance, but these can be expensive options for the comparatively minimal coverage they offer. And of course, you will still have to insure yourself when you get home anyway because most driveaway insurance policies only last for 24 hours.

How can you find the best quote?

To get the best quote, you should consider using an online comparison tool. You can put the details of your proposed vehicle and the nature of the policy you require into a specialist tool, such as Compare Insurance, and in a matter of moments be presented with a variety of different quotes. These quotes all come from major and specialist insurance companies, suiting a range of budgets.

If you’re thinking about buying a new car, and you know the exact car you want to buy, make sure you’re able to drive it straight home after purchasing it. Visit Compare Insurance today to see what kind of car insurance deals you can find.

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Car Insurance

Getting car insurance in the UAE

Although car insurance can seem like an unnecessary expense, it is hugely important for protecting yourself and your vehicle against all the unforeseen events that may come your way, such as theft, accidents and third-party liability.

With the best car insurance companies, it is possible to protect yourself and your car against a whole string of potential costly occurrences, including expenses from a traffic accident, physical damage to your vehicle, bodily injuries caused to yourself or another driver, and legal liabilities.

What are the benefits of having car insurance in the UAE?

When driving your vehicle in the UAE, there are many benefits of insuring it. This includes:

– Ensuring you are not breaking the law
– Protecting your car from loss or damage
– Ensuring you have unlimited liabilities in the event of a third-party death or injury claim
– Aiding in medical costs for any bodily injuries caused to yourself or another person
– Indemnity against any property damage – either by yourself or a third-party
– Protecting you against any financial liabilities
– Ensuring you can replace your vehicle in the event of a theft or accident

What types of car insurance are there in the UAE?

There are two types of car insurance policies readily available within the UAE. Through understanding this, it will make it easy to compare car insurance quotes online.

Third-party liability car insurance

It is the law that every car owner who drives their vehicle in the UAE must have third-party liability insurance. This is the most basic form of car insurance available but still enables you to be protected against any third-party liabilities, such as bodily injuries or property damage that is caused to another person/property by the vehicle that has been insured.

This is not the most thorough car insurance policy though and any damage that is caused by, or affects, the policyholder is not covered. For example, it does not cover fire and theft or accidental collision. This means if there are any repair costs, they would need to be covered by the vehicle owner rather than the insurance company.

Comprehensive car insurance

For the best car insurance available in the UAE, you should look for comprehensive car insurance. This will help to protect your vehicle against all kinds of damages, whether caused by yourself or a third party, including theft or fire. It will also payout to a third party should there be an accident that leads to damage, injury or death.

For more information about car insurance policies in the UAE, contact us at Compare Insurance today.

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Car Insurance

What should you think about before going on a driving holiday?

Driving holidays are increasingly popular, as they offer you a more direct way to take control of your vacation. All you do is pack your car up and go off on an adventure. Before you set off though, what key things do you need to ask yourself?

Is your car going to be reliable?

It’s essential before setting off that you give your vehicle a thorough once-over to ensure it’s going to be reliable. Make sure it has reasonably clean oil and topped up fluids. You might want to carry spare oil/water/washer fluid with you just in case. For complete peace of mind, you might want to take it to a mechanic, explain you’re going on a long journey and have them give your vehicle an inspection. It also makes sense to check the condition of your tyres and replace them if necessary.

Do you have a clear idea of your route?

An itinerary is important on any vacation, but particularly a driving one. Be sure you know exactly where you’re going, and in what time you need to be there. Plot your routes ahead of time, and be sure to have backup maps just in case you fall out of GPS range. Think about what kind of terrain you might be encountering, and ensure your vehicle is capable of driving it safely.

Have you got appropriate car insurance cover?

You need to make sure your full coverage car insurance covers you for driving internationally, if that’s where you intend to take your vehicle. Many policies don’t have a standard contingency for international breakdown and recovery, but it’s worth taking out before your trip to give you complete peace of mind. Even if you intend to travel only domestically, it’s worth making sure that your car insurance policy is up to date and that you’re fully aware of what allowances it provides you. As your vehicle is going to be your primary method of travel through your vacation, it’s essential you have the proper coverage to rely on if something happens to go wrong.

With a little key preparation ahead of time, you can enjoy a fantastic driving vacation either domestically or internationally.

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Car Insurance Health Insurance Travel Insurance

New Year checklist for your insurance

Ringing in the New Year is always a time of celebration. It’s synonymous with renewal and the chance to start afresh – something that everybody is keen to do following the year that 2020 has been.

However, there are some things you should make a priority. Making sure all of your insurances are up to date is an essential task that ensures you can live your life with the confidence you’re covered should something, unfortunately, go wrong.

Below is a brief list of the points to remember with various popular insurances that you likely have. Read on to find out more.

Health insurance

When it comes to private health insurance companies, you want to make sure a few different aspects are still correct. For one, be sure to update your provider of any newly diagnosed health conditions within the past year. Also, ensure you have all of the correct paperwork to hand so that you are prepared should any injury or health concern arise.

Medical insurance

Leading on from this, make sure your medical insurance is all in order. Less an issue in the UK thanks to the NHS (with the exception of private medical insurance), up-to-date medical insurance in other countries such as the UAE is essential, should citizens require urgent attention.

Car insurance

No matter how careful a driver you are, ensure your car insurance is current and that the policy you are paying for reflects your requirements. Just a few factors you may want to revise are the liability policy, the deductibles policy, and collision coverage. This last one is especially important as it helps to protect you in the instance of an accident.

Travel insurance

Travel insurance has never been more important as a UK citizen. With the UK’s official transition period ending on the 1st January, UK nationals will no longer be protected under the EU’s travel laws, which means it’s an incredibly wise idea to invest in travel insurance if you plan on going abroad next year – especially to places like the UAE, where visitors won’t be able to access free medical treatment especially visitors that want travel insurance for schengen visa.

Trust Compare Insurance today

If you require independent insurance comparison filtered to your unique needs, look no further than Compare Insurance.

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Car Insurance

What is the most expensive car to insure?

If you imagine what the most expensive car to insure would be, what springs to mind? If you thought of a Ferrari or Porsche, well done. Even though the top eye-watering car insurance bill is changeable, you can be sure that Tesla and Mercedes-Benz will also be on that list. Extra bonus points to anyone who pictured a BMW i8. The consensus of the wise (well, the internet) seems to be that this super-fast vehicle is top of the list when it comes to the most expensive insurance premium.

Why is this?

Alongside its wallet-emptying friends, the BMW i8 is very, very expensive. Prices vary but hover around the £100,000 mark. The car insurance premium needs to be high to cover the cost of replacing the vehicle if the worst were to happen and it was damaged, or written off, in an accident.

What would make the car insurance even more expensive?

To afford such a fancy car, the chances are that you are well into grown adulthood. The younger you are, the more statistically likely it is that you are going to be involved in a car accident. So, if you really want to ramp up the cost of your car insurance go out and buy one of these sports cars for an 18-year-old.

Could the premium get any more expensive?

So, you have a very expensive car with an inexperienced 18-year-old driver at the wheel – what else would ramp up the insurance cost? If the teenager used the car for work, for example driving all around the country as a salesperson, this would significantly increase the premium. Purely for the fact they are more likely to have an accident as they are using the car more than average.

Surely that’s it?

Well, almost. Just one more thing. If the teenage travelling salesman lived in a high-crime area and parked the vehicle on the street, the premium would likely skyrocket even higher. Fortunately, these scenarios are unlikely to occur altogether.

Whatever your circumstances, be sure to get vehicle insurance online and compare the insurance market carefully on a reputable site such as www.compareinsurance.ae

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