The Car Insurance Insider

by: Christine Zafra

Parents will do everything for their children—even lying for their insurance covers. Some parents, for the sake of getting a cheaper policy for their children’s cars, do lie to insurance companies and put their kids’ cars under their names (making their kids as secondary drivers). This is called “fronting” and it is actually against the law to do this. If their kids get into trouble (an accident or something), they could in fact invalidate their insurances and make it hard for their children to get future insurance covers due to a record for insurance fronting. What people can do is to shop around for cheap insurances. There are various companies who offer a lot of packages and this may in fact make you spend lesser in the future.

Photo taken from http://www.brandsoftheworld.com

by: Christine Zafra

Although when it comes to driving, female drivers are normally the subject of jokes (because of how slow they drive), they do have the last laugh when it comes to car insurances. Females have lower premiums since they are more careful than males and during the past years, a lot of insurance companies who only cater the females have emerged. Female drivers should be wary with these though if they wish to obtain cheaper premiums since not all insurance companies who cater only female drivers have the cheapest premiums in town. They still have to shop around for the cheapest premiums available in the area.

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by: Christine Zafra

In the United Kingdom, driving without insurance is synonymous to a crime. Though you won’t be put behind bars, your car will be impounded by the police if they found out that your car has no license at all. Aside from your car being taken away from you, you will be asked to pay for a very hefty amount for fines and other penalties and will be asked to come up with a legitimate cover note. However, if you cannot come up with these, unfortunately, your car will be crushed. It is advisable that future car buyers should look into their budgets if they can afford insurances for their cars. If one cannot afford the high insurance price tags for luxury cars, one should settle with an ordinary one.

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by: Christine Zafra

If you have been dreaming of owning that luxurious Jaguar or Maybach you saw in the ad, splurging a fortune by buying the expensive car is actually just the beginning of your financial burden. You may have gone on a bender and spent hundreds and thousands of dollars to get that car, however, you still have to consider getting an insurance for it. It is a fact that model cars have more expensive insurances since that is the “way” how insurance companies discourage you of buying something “expensive to replace”. According to AA, an insurance company based in UK, the total number of repossessed uninsured cars are growing, and that most of these cars are actually luxurious ones.

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by: Christine Zafra

5. If you have an old style license, you might want to consider updating it since most countries prefer you to have an updated one (just in case you get into an accident and would like to minimize the hassle of being questioned for your license). You might also like to get, although it is not that important, an International Driving Permit to avoid further unnecessary questioning.
6. The most important thing you should do before going abroad and bringing your car with you, is to get familiarized with the traffic rules and regulations of your destination. Ignorance to the rule is not an exemption.

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by: Christine Zafra

3. Do not forget to bring copied of your documents with you such as your car insurance certificate, your various accident statements if your do have one, your original vehicle registration information and so on and so forth. If you will have an accident overseas (assuming that you won’t, but just to be sure), you will have all the important documents with you.
4. Apart from the mentioned documents above, you also have to make sure that you bring with you (everywhere you go) your current passports and your valid driver’s license with important documentations attached. You may never know when you’ll be needing it.

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by: Christine Zafra

If you are planning to go to another country and bring your car there, you might be facing a lot of problems while supposedly having that stress free vacation with your family or colleagues since you have to deal with a new set of rules when it comes to driving. But before you take off and have your car shipped to your desired country, you have to do quite a few things first.
1. You have to check with your insurance company if they cover out of the country trips for your car. Who knows, you might have a little accident overseas, and you really don’t want to spend a fortune for your car repair don’t you?
2. You also have to check your home contents policy. Car insurances have limits when it comes to bringing personal belongings out of the country and so you have to whether your things are fully covered.

Photo taken from http://tti.tamu.edu

by: Christine Zafra

In the English dictionary, the word comprehensive means “complete, full and all-inclusive”. However, car insurance companies are really redefining the term to fit it in their definition of “comprehensive”. Since car insurances are literally stripping the policy holders one by one of the coverage of their insurance plans, comprehensive coverage is pretty much just a label to go by. The basics such as third party liability or perhaps, coverage for short term overseas trips are mysteriously disappearing from the written policy papers. Shattered windscreens are in fact not included in the policies and you can only get it as an add-on. This insurance thing is becoming a business, and insurance companies are doing pretty well.

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