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Insurance FAQs By Joseph
I insure a modified or classic car; who will offer insurance cover?
you can insure a modified car but because your car is a specialist car, not all
auto insurance companies might be willing to provide coverage for it since it
requires high price replacement parts and also skilled labor if the car is involved
in an accident. Thus, you have to take a special car insurance that is designed
especially for modified and classic cars.
can I cut down my car insurance premium?
you wish to cut down on your car insurance premium you must take care of a few
things. Park your car overnight in the garage rather than leaving it on the drive.
Fit insurance approved anti-theft devices; consider Third Party Fire and Theft
for older cars. Find out discounts offered by the insurance provider when requesting
quotes. Young drivers (under 25), who are often charged extremely high premiums,
should have an extra driving course certificate.
is the amount you have to pay when you make a claim for the loss or damage to
your car. It can be voluntary or compulsory. If someone else causes the accident
you may be able to reclaim the excess through the legal cover, which can be taken
out with your car insurance policy. Otherwise you lose the excess. Voluntary excess
is the amount you agree to pay to the company. It offers premium discounts. Compulsory
excess is generally imposed to young drivers. Because their risk factors are high
and the companies don’t want to insure them. So, in order to insure, they have
to surrender with this payment.
is legal cover?
provides expertise and assistance required to recover uninsured losses such as
medical costs, loss of earnings and excess payments where the fault was not yours.
It is available as an optional with most car insurance policies.
an insurance company cancel my auto policy?
you auto insurance policy may stand canceled if you fail to pay the premium or
if your consumer's license has been suspended or revoked during the term of an
auto policy. Also, if there is a fraud or serious misrepresentation when completing
the insurance application, if the you are convicted to a crime, or if changes
are made to the property that increase the risk of loss then the company may cancel
your insurance policy.
Kenny is the webmaster of the insurance site http://www.insure121.com/
where you will find information, news and links to the leading providers of car
insurance in the UK.
information supplied on this page is by a third party and jml Property Services
do not take any responsibility to its accuracy ©jmlpropertyservices01/06
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