Archives 'Thoughts'

21 October
Hard Stand

As the car pulled up to the round­about, the road ahead was clear. It was a sunny day and vis­ib­il­ity was excel­lent. I couldn’t see any reason for him not to just drive straight onto the round­about,” said 34-year-old Ben Jones. But out of nowhere, he slammed on the brakes as I drove up behind him.” Ben was about to become an unwit­ting victim of car insur­ance fraud. Inev­it­ably, Ben crashed into the back of the car in front. We both got out of the car to assess the damage, which to me looked like noth­ing more than a dented bumper. The driver of the other car insisted I give him 200 to settle the matter there and then as it was ‘clearly my fault’.

Third, it’s time to start shopping around. I prefer the phone because I can usually sweet-talk the rep into telling me about other deals that the websites don’t offer. Computers, however, seem to be immune to my charm. If I enrolled in a defensive-driving course, what kind of discount would you offer? Oh, really? Which courses qualify? I’m still chewing on this, but I may actually stay with State Farm as I consider this worth $300/year.

Either way, it’s an interesting case of car insurance inflexibility that also should raise the question of how responsible a customer must be for their own policy. Both of these issues are certainly prominent in the collision repair industry as insurers seek to reduce claims costs and customers are notified in fine print that non-OEM parts might be used.

Just want to say how pleased I am that I contacted A plan last week. I am exceedingly pleased with the outcome – not only a good premium price but also with an insurer I greatly respect. Just want to say how pleased I am that I contacted A plan last week. I am exceedingly pleased with the outcome – not only a good premium price but also with an insurer I greatly respect. Many thanks

New drivers are particularly in the dark when buying insurance for the first time and we all know that as a new driver you just want to get on the road as soon as possible. The ‘Insurance Jargon Buster’ infographic below has been created by Tiger Insurance as a quick reference guide to help when shopping around for car insurance. It is specifically written it new drivers in mind, taking the most common technical jargon from the insurance industry and giving it a normal, down-to-earth translation. Hopefully it helps you to get on the road as soon as possible.


Listen – It is more important to gather information than it is to provide information. If you aren’t sure what happened, don’t be afraid to say I don’t know.” Also, pay attention to what the other party or parties are saying about the accident. People who know they are at fault but don’t want to admit it will often lie to get out of the accident. These lies usually contradict the evidence but it is especially important to note if the other party changes their story multiple times after the accident.

When she wrote to Admiral about the insurance increase she cited the fact that she had never, ever claimed on any insurance since I started driving 63 years ago”, and included a copy of a letter of apology from the insurer of the other driver in the 2013 incident. This confirmed the accident was entirely the other person’s fault and … cost Admiral not a single penny”.


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I’m a veteran freelance writer who has written thousands of articles for dozens of different websites. My work has been featured on Motley Fool and Seeking Alpha. My goals at Market Madhouse are to have fun and make money. All the content here is purely my work, so any mistake or error is my fault. Anything you like is my work too. The opinions are purely my own; if you don’t like them, get your own site. I’m a working freelance writer, so if you like what you see, I can be hired through Please don’t look for me on Twitter because I consider it a waste of time.

30 September
Hard Stand

Customers who register for a MyAXA account can make all sorts of changes to their policies day or night and access their new documents there and then! I know you mention that there was no lane for the car to pass in – if that’s the case you may not be at fault. If you have a company retirement savings plan please visit your scheme’s website for more information. The amount you lose depends on the amount of no claims bonus you have when you make a claim and what company you are insured with. No claims bonus is the reward insurers give their policyholders at the time of renewal for not making a claim.

Drivers 26 and over may also receive a discount, but if your premium is under 500 you may pay extra in your first year’s premium to receive the DrivePlus Plug-in. We’ll use this information to analyse your driving behaviour for things like smooth driving, acceleration, and braking. The DrivePlus Plug-in is an extremely accurate device that helps us put together a good picture of your driving behaviour. We encourage everyone to drive in accordance with the Highway Code but speeding does not form part of your driving score.

With most of these policies the insurer installs a smartphone-sized GPS device in your car that transmits information about your driving back to the insurance firm. Whatever method you opt for, insurers can monitor your driving performance (mileage, time of day, type of roads, speed, acceleration, braking and so on) and then calculate your premium based on how risky a motorist they think you are. Among the exceptions is Adrian Flux, which offers reductions of up to 25% for young drivers with a Pass Plus qualification.

Early signs of an imminent price hike for under-21s emerged last month when the average cost of a fully comprehensive premium rose from 1,046 in November to 1,115. But don’t despair — there are ways young drivers can bring down insurance costs, and here we list a number of them, from telematic black boxes” that prove how good a driver you are to choosing a car in the lowest insurance group, or equipping one with a dashboard camera.

The company will then sort through a list of cheap deals from reputable insurers to find you the quote that should be right to fulfil your Insurance requirements. Apricot will have all the facts and figures to help you protect your NI property or any car or van you want to drive. An EU court ruling now means men and women must pay the SAME for car insurance.

Our panel of insurers are ready to offer you the cheapest insurance to suit your specific needs. Young Drivers Insurance is a company which specialises in providing insurance to young drivers. The company was established in 1999 and has since then built up a strong reputation which we are very proud of. We are small, family run business which is UK based.

Not all of these offences will result in you being turned down for insurance; if you get rejected, you’ll need to shop around to find a lenient insurance company willing to offer you a quote. Depending on the circumstances of your offence, you may be sentenced to a 6 month prison term, or community service. A small town in mid-Wales has been found to be the UK’s drink and drug driving capital, according to research.

And if they are, it is usually done with a short term car insurance broker agent vs. directly through with with to the companionship. Some estimation that 6%-10% of short term insurance titles are fraudulent, that sum of moneys to more than $2 billion yearly. This includes everything from reprocessing moldable, fabric, composition and canfuls to ditching gas guzzling motors in favor short term car insurance of public transport and bikes. The side by side time you have a staffing demand, please physical contact us at Insurance enrolling specializers!

All named drivers on your policy aged between 18-79 (with a full UK licence) will be able to use this car and you will be covered for up to two claims per policy. All cover options will fix your car at the roadside if you are over a quarter of a mile away from home, or take you to a nearby garage. You’ll also receive three days of emergency car hire or the option to reclaim the cost of onward transport if your car keys are lost or stolen. You can claim as many times as required up to your chosen coverage limit of either 300, 500 or 750 for each excess paid. You’ll be able to set up access to your online account using a username/email address and a password after you buy your car insurance.

If you drive a vehicle on public roads and kill, at the time you are a banned driver… You chose to get in that vehicle no one made you, and as you arean adult with a banned driver licence, then you must face up to a life time ban and serve a manslaughter charge! We need to send a clear message to these people that you get in a car and kill then you will be held under a manslaughter charge and serve no less than 14 years. It revealed the UK postcodes with the highest rates of drivers with drink or drug-driving convictions on their car insurance policies.

Automobile Association Insurance Services Limited registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Automobile Association Insurance Services Limited and Tempcover Ltd are authorised and regulated by the Financial Conduct Authority (FCA). It is an affordable and flexible way to insure you while you’re learning to drive on almost any family car without risking your parents’/friends No Claims Discount. If you decide to put in an insurance claim, your provider will send out a claim form.

Your policy is there for two reasons: to keep you from getting caught up in the litany of legal problems that come with driving without insurance, and – this is the big one – to protect you from being sued for everything you A Car Insurance have in the event you cause serious damage. People think there are a few, minimal factors that go into determining how much you pay for insurance: your age, car, driving record, and if you’re really in the know, your credit.

You can always negotiate with the insurance provider to reduce your insurance premium cost if you choose money savings options provided by the insurance provider. Nevertheless, car insurance calculator is a free tool widely accessible on the internet and as a buyer, you should take advantage of the situation. My understanding of it, I will have to prove it IF i make a claim, otherwise my insurance is invalid. My gf changed insurance company so I could be put on her insurance as her previous one wouldn’t insure me as I was banned.

16 September
Hard Stand

Everyone likes fun. When you are looking for something fun to do consider arts and crafts. There are a lot of things you can do that will provide hours of entertainment for you, and for your family. Use the following tips to give you some ideas that will get you started on where to buy Coloring Books For Adults for your next hobby.
Internet groups are a great way to connect with others who share your passion for a arts and crafts. This is especially true if you are into a craft that that is not widely popular. You can connect with like-minded crafters from all over the world with the help of the internet.
Make sure that any arts and crafts projects you do with children are age appropriate. If the children you are working with are of all different ages, you should break the project up into pieces and allow children to work on things that you feel are appropriate for their age group.
Keeping your arts and crafts supplies organized can lead to a more pleasant experience when working on projects. Invest in good storage boxes, organizers and cases especially for smaller items. Supplies like beads and glitter can easily be spilled or lost. When you bring home new supplies, immediately transfer them into storage or organizational boxes.
Brick and mortar stores are great when searching for arts and crafts supplies. One of the largest retailers is Hobby Lobby. Hobby Lobby carries fabric, beading supplies, yarns and floral supplies. Additionally, they are the perfect go-to retailer for art supplies with the wide selection of canvases, paints and brushes.
Ornamentea offers crafters the perfect place to find all of their jewelry making supplies. Ornamentea offers a wide range of colors in their leather cording at an affordable price. You will also find a wide selection of tutorials to help you take your jewelry making to the next level.
If you do a mosaic that gets cloudy after any mortar is dried, then wipe the mosaic with a rag wetted with glass cleaner. Mortar powder is difficult to remove any other way, and you can’t leave it there.
Look in your kitchen for craft materials. There are tons of gems out there to do in crafts. You can use glass jars, tin foil, metal cans and many other objects. Dried foods like beans and pasta can also be used.
Don’t force certain materials on a kid when doing a craft project. Not every kid enjoys using materials that you or other kids like using. Some kids may like just using glitter. Some like using sparkles. Your kid may not like glitter or sparkles. If they do not, you should not push them into liking them or using them.
As you read above, everybody likes to have fun. There are few things more fun than arts and crafts projects. You can do them with family, or you can do them alone. You can occupy time with them, or make a beautiful pieces for your home. Use the great tips you got here and have fun!

4 August
Hard Stand

Because of the failing public school system and the high cost of private schools, many parents are making the decision to home school their children. Their are both good and bad things about home schooling, so before deciding to home school your kids it is crucial that you properly educate yourself. Continue reading this article to learn all about homeschooling.
Whether you have already begun homeschooling your children or you are just considering it, you may benefit from attending a homeschooling conference. At these conferences, you will be given tips on how to properly teach your children. You will also be able to speak with other parents who home school their children and get advice from them.
When you have a variety of ages in your homeschool environment, you can use older students to teach the younger ones. This is especially true of reading, where those who read well can read to the younger kids, pointing out words they may not be able to read on their own yet.
Many have found ABC Coloring Pages to be a perfect way to teach the alphabet. Wednesdays can be hard as they’re stuck in the middle of the week, so why not make them a special event? Include fun hands-on activities on this day or excursions around town. Make it something they look forward to and your kids will have an easier time making it through the week.
Limit the distractions in your workspace. This does not mean that you have to have a classroom. Simply, shut off the ringer on the phone, turn off the television and if the computer is not used for school, shut it down. The fewer distractions you have to compete with, the smoother your lessons will go.
Cook bulk meals a couple times a week. Having a few dinners frozen and ready to heat and eat in the freezer can make crazy days better. Worrying about what you are going to feed your family as you are trying to homeschool will make things more stressful than they need to be.
Understanding your child’s learning style and educational needs is the key to creating a successful learning environment. For example, many children experience peak learning times in which they are more receptive to new information and more likely to remember it. Identifying this peak learning time allows you to develop an itinerary that is perfectly aligned with your student’s needs.
The goal of homeschooling is to instill knowledge in your child or teen, but it should also be viewed as something more. You have a rare opportunity to use learning as a means of bonding and interacting with each other in a way most parents never get. Highlight the student’s accomplishments in your “òclassroom’ just as you would for those earned in a traditional learning environment.
As was stated in the beginning of this article, due to the poor state of our country’s school systems a large number of parents are deciding to home school their kids. If you want to home school your children, it is important that you do it the right way. Take advantage of the advice you’ve learned from this article.

29 July
Hard Stand

Trying to shed it all as quickly as possible by depriving on your own hardly ever functions well lasting, that’s merely the recipe for yo-yo weight loss”.Nothing reduces fat burning more than frequently eating a bunch of food that you do not need.Therefore, we have provided the total disambiguation of the 5th day of GM Diet plan with a sample diet regimen strategy.The GM diet regimen has come to be the most prominent diet regimen which is practiced by Indians.It is definitely difficult to stick to this strenuous diet regimen plan all your life.Make a yummy soup with the mentioned active ingredients as well as drink it. See to it to increase your water intake on day 5.Well on the 4th day of the vegetarian diet for dropping weight, you have the freedom to consume to 6 bananas for the whole day.Especially in the time of the diet regimen timetable as well as before it. This is a crucial tip you should comply with.This Diet plan Strategy includes the consumption of fruits, veggies as well as carbohydrate.Their training isn’t really structured to advertise weight management.It’s additionally important to remain hydrated when dropping weight.There are many tricks and quick solution fad diets that vow radical weight reduction causes brief time frame.The healthiest way to reduce weight quickly integrates a healthy as well as nourishing diet, proper hydration, as well as a moderate and varied workout program.Be aware that this diet ought to only be done for extremely short-term weight management as well as is meant to work as a detoxing purify rather than a stringent weight-loss program.

Of course, you can go on a diet and eliminate some trouble foods for some time.I could acquire some pure garcinia cambogia for fat burning. I went on pinterest as well as discovered some excellent recipes for following this diet strategy.

In shorts, if I didn’t diet plan on Tuesday, for example, I would diet regimen on Saturday, instead.

26 July
Hard Stand

We compare hundreds of providers for a wide range of cars to find you a great deal on your car insurance. It is not available to customers arriving from price comparison websites or ‘cashback’ websites including Quidco and Top Cashback. AA members get higher levels of cover when buying a car insurance policy, eg up to 500 cover for personal belongings in your car. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA).

First, the ‘swoop’ car inten­tion­ally pulls ahead of the ‘squat’ vehicle and cuts it off, caus­ing the driver of the squat car to slam on his brakes. Fol­low­ing behind the two, you may well be unable to react in time, mean­ing you’ll drive straight into the back of the squat car. The fraud­ster crams a car (nor­mally an old banger) with as many pas­sen­gers as pos­sible, then drives around look­ing for a suit­able target. If you have an accident that’s not your fault, this cover will provide up to 100,000 for legal representation for you and all named drivers on your policy to recover the costs not covered by your car insurance.

The lower the excess the higher the car insurance, so work out how what you can afford to pay in the case of an accident and set your excess to that – even 50 can make a difference. These will all lower your quote, but to pay less make sure you’ve compared car insurance providers too. The cost of car insurance is predicted to spiral up 10% this year, because of fraudulent claims, so it’s worth checking now whether you can lock in a price before the surge. This guide explains the basics of car insurance, what to watch out for and reveals how you can slash the cost of cover in six easy steps.

While comparison sites offer a large chunk of the deals available in the market, others are only available directly from insurers or brokers. If any of the providers below are among your cheapest on comparison sites, use the links below to buy instead and take advantage of special deals. Use this Co-operative insurance link to buy a new find more info policy by 31 Aug and receive a Karcher K2 compact pressure washer worth 79.99.

Whether you’re spending the summer taking day trips with the family, or driving abroad for a holiday in the EU, for up to 90 days, Tesco Bank’s 5 star Defaqto Rated Car Insurance can keep you on the road. A courtesy car is not available if your car has been written off or has been stolen and is still missing. The Car Insurance Policy Booklet contains full terms and conditions for AA Car Insurance.

The multicar discount will be applied to the insurance premium of up to three additional cars that are registered to the same address as the RAC Car Insurance policy number provided at time of quote. The discount is only valid on quotes and purchases made by calling RAC Car Insurance direct on 0330 159 10494. Discount applies for every year that you have 2 or more cars registered to the same address with RAC Car Insurance. Thankfully, the insurance industry is finally waking up and starting to come out with rideshare friendly products.

Shop around and you might be surprised to find another insurance company that’s more forgiving of an occasional accident or ticket and will offer you the same coverage at a lower rate Also, tickets usually affect your insurance rate for three years and accidents usually have an impact for six years. Poor insurance companies-they have been ripping off Ontario customers for years and if they say they are not making money that’s a line of bullshit. If a car thief doesn’t drive standard, it stands to reason that s/he would rather steal a car with an automatic transmission.

26 July
Hard Stand

When considering that task of homeschooling your children, it’s important that you know what you’re doing. You might think you’re prepared, but if you don’t have a solid plan, you can be caught in the wings. Make sure you pay attention to the following helpful tips that will guide you in the process.
Let your kids take the reins, they will enjoy ABC Coloring Pages as a fun way to learn their letters. Simply pay attention to what your kid is interested in each day. If you see them doing something or even watching something on TV that you can turn into a learning lesson, use it to your advantage. By allowing your kids to learn about what they are interested in, you are going to make learning joyous and easy.
Wednesdays can be hard as they’re stuck in the middle of the week, so why not make them a special event? Include fun hands-on activities on this day or excursions around town. Make it something they look forward to and your kids will have an easier time making it through the week.
Plan field trips and activities with other homeschooling families near you. Your children will have a marvelous time socializing with other homeschoolers. Also, you can get better group rates through this process, reducing your expenses.
Limit the distractions in your workspace. This does not mean that you have to have a classroom. Simply, shut off the ringer on the phone, turn off the television and if the computer is not used for school, shut it down. The fewer distractions you have to compete with, the smoother your lessons will go.
Cook bulk meals a couple times a week. Having a few dinners frozen and ready to heat and eat in the freezer can make crazy days better. Worrying about what you are going to feed your family as you are trying to homeschool will make things more stressful than they need to be.
If you have kids in the home that are not yet school age, spend some quality time with them prior to starting the day’s lessons with the older kids. If they can get their fill of attention time before you get busy with the older kids, they are likely going to be able to entertain themselves while you work.
To help your student learn even the most complex concepts, it helps to understand what he/she finds most interesting. It is much easier to engage a student who has taken an active interest in the subject at hand. As the teacher, you have the responsibility for maintaining structure but this does not mean your pupil can’t determine the direction as well. Seeking your student’s input ups the ante and facilitates active learning.
Do not try to cram every subject into every day. You could use a two or three day school week per subject. This way, you can keep your child focused on a particular subject for longer periods of time. The less often they have to switch their focus to a new subject, the more progress they will make each day.
Homeschooling isn’t easy, but it can be very rewarding. There are numerous benefits to taking advantage of schooling in the comfort of your own home. You are going to have to take note of the differences, and you’re going to have to make the necessary adjustments. Remember the advice you’ve read as you get started.

23 July
Hard Stand

If you’ve currently cleaned up your diet big time as well as you’re still not losing weight, it might be that you’re just eating excessive.Other approaches of weight loss include use of medications and supplements that reduce cravings, block fat absorption, or lower tummy volume.Heart disease Heart disease, specifically heart disease, might cause baffling weight management.Fungus illnesses, endocarditis, several parasitic diseases, AIDS, as well as other subacute or occult infections might trigger weight loss.Seek advice from a physician regarding the usefulness of the 4 Action Weight management Challenge regard your specific health.The 4 Step Weight management Obstacle has actually not been officially assessed by the Food and Drug Administration neither has actually the outcomes been established as medical reality.DISCLAIMER: The 4 Step Weight Loss Challenge given on this site is for informative purposes only and also is not intended as a substitute for guidance from a physician or other healthcare expert.There’s an entire weightloss sub-industry devoted to supplements which quits fat absorption, increase metabolism, and also decrease cravings.Normal use of Psyllium husk when in a month likewise aids weightloss by maintaining your metabolism price considering that it acts on the digestive body organs.

Sunshine: Venturing out in the sunshine for a minimum of 30 minutes a day is wonderful for your health and wellness and also health and wellbeing.

Dropping the pounds with super fast weight loss is really easy. Recently a study group from the Weight Administration Center at Johns Hopkins Bloomberg Bloomberg School of Public Wellness demonstrated this effect in a research study showing that substituting mushrooms for meat in one dish a day resulted in a substantial weight-loss.The rich, meaningful taste as well as appearance makes them an excellent meat substitute, and also eliminating at the very least a few of the meat in your diet regimen could be an effective weight reduction method.I additionally have a picture of a scale indicating my objective weight.I change it up and work out five to seven days each week.

23 July
Hard Stand

When I was growing up, no one talked about homeschooling. Public school was viewed as mandatory and the only choice for parents. The Internet provides you with many great resources, and you should keep reading this article to find out more information.
Find out what your state has in place as far as homeschooling regulations. Some states have very strict rules with many hoops you have to jump through, so you must find out what your state requires of you before you get started. Some states are more lax, so start researching today!
Follow the lead of your child regarding homeschooling. While you may be tempted to homeschool your child all the way to graduation, he or she may not feel the same way. As your child gets older, the idea of regular school may become more appealing. Always listen to your child, and take the time to look into all available options.
Homeschooling has the advantage of letting your kid learn in a way that is best for them. If your kid is better with hands-on teaching, you can have lots of hands-on lessons such as ABC Coloring Pages is the perfect choice for young children. This ensures they learn what they need to.
Figure out where in the home you will create your classroom. Your kids need to be comfortable and not have any distractions. It must have an open area for activities and also smooth surfaces for test taking and writing. You must watch your kids all the time.
Get in touch with other homeschoolers in your area. Homeschooling can be a lonely path if you do not make an effort to seek out support. Many areas now have homeschooling co-ops, where parents in a community work together to share resources and offer help. These are provide a valuable social outlet for your child, who does not have the same opportunities to make friends as a child in a public school.
Determine which approach to homeschooling you will follow. You may decide to follow a traditional curriculum, setting up a “classroom”ù within your home. On the other hand, you might decide to “unschool,”ù allowing your kids to play a large role in defining their educations. Take your kids’ learning styles and personalities into consideration when choosing an approach.
Remember to spend time with your family outside of the classroom. You might believe that all the time you spend together in the classroom is enough, but it really is not. Family nights are an opportunity for the family to get together without the pressures of the classroom, and bring you all closer together.
If you eventually plan to transfer your children back into a regular school program, then make sure that your homeschooling program prepares them for that. See if you can get a copy of the school curriculum for the year they will re-enter the system to ensure that they will be on track with or ahead of their class. Furthermore, have them study on the traditional school schedule, lunches and all.
You can now use the advice and guidelines you just read to make your homeschooling experience exceptional. They are also a great place to start for people who are just getting into homeschooling. Your curriculum will only be as good as the creativity and knowledge that you put into it!

14 July
Hard Stand

Take hold of your accounts while out and about with banking on your mobile through our mobile app and text message alerts. The reason why new drivers have to pay more for their Van insurance is because their lack of driving experience on the road. Unfortunately for new drivers, the best way to get a reduced insurance premium is to have solid driving record. The best car insurance can protect your car from any inconvenience should a likely car accident occur. For those people who believe that it is better to be safe than sorry, legal insurance and legal expenses cover is a good idea. If somebody insures the car as the main driver instead of you to get a better deal, and they are not the main driver, this is insurance fraud.
If any of the providers below are among your cheapest on comparison sites, use the links below to buy instead and take advantage of special deals. Use this Co-operative insurance link to buy a new car insurance policy by 31 Aug and receive a Karcher K2 compact pressure washer worth ?79.99. Comparison sites do not currently offer multi-car discounts which can save you up to 25% by insuring more than one car on the same policy. If your second or third cheapest quotes weren’t too much more expensive, see if cashback’s available for them too, and find the overall winner. So make sure you do not lapse on your insurance as they have some ridiculous rules.
Young driver insurance schemes are based on calculating payouts for the increased risks for many young drivers when they get their hands on the wheel in the first year.. Truth hurts – especially when it hits you in the pocket. A data tracker is fitted discreetly in your car to note how you drive -You’ll see the results they come up with on your personal site which will enable you to change your driving patterns. If you drive sensibly, after three months you’ll also be eligible for a substantial discount off your car insurance. For a new generation of young drivers – installing the young driver insurance smart box gets you a shot at the cheapest young driver insurance in town.
One insurance company might have a great rate for you while another might have a better rate for you and your child. It also might be better for their first car not to be worth much as they will likely get into an accident at some point while they are young. More than 5,000 people are killed or seriously injured in accidents involving at least one young car driver.
Carrying passengers increases young drivers’ changes of being involved in a collision, with just three passengers almost tripling the chances of a crash. The only way to bring down the cost of motor insurance for young drivers is to make them better, safer drivers. However, it provides no cover for damage to your car or theft from it, so this most basic insurance is not ideal unless you really only want the cheapest cover.
With the introduction of Continuous Insurance Enforcement , every car, whether on or off the road MUST be insured. Although for new drivers can seem expensive, the alternative if you’re caught driving without it could result in steep penalties such as a large fine, court proceedings, a criminal record and having your vehicle seized and destroyed. If you are a first time driver you might also have permission to drive your parents’ car. If you are only an occasional driver on this vehicle you might consider being insured as an additional driver under their insurance. The difference between prices from one insurance company to another can be vast, literally hundreds of pounds!
Ford is currently offering up to 1,450 off your insurance if you buy a new Fiesta , for example, if you fit it with a black box (explained below). The quickest and easiest way to find the cheapest car insurance quote is to go online to one of the various comparison websites. Simply key in a few details about yourself and your car and you’ll bring up a long list of options to choose from. For example, to reduce the premium in order to rank higher on the sites insurance companies will often include higher compulsory excess which may not suit your needs. Telematics or ‘black box’ car insurance – is an emerging market that continues to offer young drivers a way to get cheaper premiums.
Provisional Marmalade’s learner driver insurance is a car insurance specifically designed for UK learner driver and aims to provide them with the security needed to get the practice that is vital to become a licensed driver. Most Excesses start at ?150 but if you offer to pay more, such as ?250 in the event of a claim, this will also help to nab you the cheapest young driver insurance deal.
Pay in full rather than monthly payments – Insurers will give you the option to pay your Young Drivers Insurance in full or in monthly payments. It might be convenient to simply renew your existing insurance policy but for young drivers, you should be able to get a much better premium provided that you have not made any claims. At this point, it is worth considering your options and speaking to one of our insurance experts to see if you can get an even better rate.