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Car Insurance

Common mistakes to avoid when switching car insurance companies

There are several reasons to change an insurance policy. Maybe you are looking for a cheaper option, better services or a different level of coverage. Whatever your reasons, you have to do it the right way.

Here are some of the common mistakes to avoid when changing full coverage auto insurance companies:

Having a gap in your car insurance coverage

One of the common mistakes when changing your car insurance companies is stopping the existing policy before getting another one. Even if for a few days, driving a car without a valid insurance policy comes with a risk in case you get involved in an accident. It is also a traffic offence in UAE to drive without a valid license.

Failing to compare policies

It can be tempting to pick a new car insurance policy just because it is cheap. However, there is more to insurance policies than the premiums. You need to look into the coverage, deductibles and limits from different insurance companies.

You never want to trade valuable protection to save some money only to end up getting hurt in the end. You are better off using our tools to compare the different auto insurance options that fit your needs.

Not cancelling your initial car insurance plan

It is common for some insured to assume that failing to remit premium would mean the old insurance company drops the coverage. At times you can also get so caught up with the new plans until you forget about the earlier cover.

Inform the existing insurance company immediately you take a different car insurance policy. This will help you avoid paying for two insurance covers at the same time, most so, when you have the auto-pay billing option.

Failing to ask for a refund if it’s due to you

Most of the insured tend to pay in advance to avoid having to incur recurrent administrative fees. The insurance companies also tend to offer discounts for paying the lump sum payments. However, if you change the policy within a few months of coverage you might be entitled to a refund.

While the insurance company should refund you automatically, you should follow up if you don’t receive the funds.

Shopping for a new car insurance policy?

Do you feel your current online auto insurance policy doesn’t offer you the full package? Well, it’s time to browse through our options for the best full coverage auto insurance for you.

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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

How long does it take to get your car insurance?

Finding the right car insurance quote for you is essential – full coverage insurance is obviously not a negotiable part of the driving experience, but that’s no reason it should take a long time to arrange. So how long does it actually take to arrange auto insurance? The simple truth is that it boils down to how you choose to apply for it.

There are two main ways – offline and online.

Arranging car insurance offline

You can still arrange car insurance the “old fashioned” way by going to a brick and mortar premises and talking to someone face to face, or even over the phone. This is the way people have done it for a long time, and the way that people who aren’t so comfortable using technology still prefer to do it. There’s nothing wrong with arranging your car insurance offline, but you will have to deal with waiting slightly longer for it to be arranged than if you did online. The admin side of offline insurance tends to be much slower than online competitors, meaning you might have to wait a few days for coverage to start.

Arranging car insurance online

So what about getting insured online? Using a comparison tool you can see the range of best auto insurance quotes for you in a matter of minutes. That makes it much easier to compare and contrast the best deal for you. When you decide that you want to go ahead with a certain policy, all you need to do is confirm it because you have already provided your details in your initial application. The process of applying for car insurance online is often much faster, and in many cases, you can be provided with insurance that very same day. You also get the benefit of being able to manage your account 24/7, rather than just during business hours.

Which is best for you?

There’s no right or wrong answer when it comes to arranging your car insurance, but if you want to make the process as fast as possible you’re better off using an online comparison tool like Compare Insurance.

Photo: Free image by Pixabay