Thursday, March 20, 2008

Bisnis Portal

Bisnis Portal

Car Insurance - Import Cars

Posted: 19 Mar 2008 05:56 AM CDT

For car enthusiasts, looking to the continent in order to find their perfect car can be an expensive business.

Imported cars are often specified to meet regulations in their country of origin, but these little differences can often lead to difficulties when used on the roads in the UK.

However there are two classifications which can help to determine usability in the UK. The two main types of import cars are grey imports and parallel imports. Both of which can lead to differences when looking for a car insurance quote.

Grey imports are usually vehicles which have been built outside of the EU - such as Japan and the United States - with Japan being the most popular choice for import buyers.
Through this chain, enthusiasts are able to purchase cars that are of a higher specification as compared to a UK model or are not available in the UK at all.

However, the process of buying, importing and finding suitable car insurance can be costly. Differences in technical regulations mean that buyers will have to shell out more to get the vehicle modified and tested through the Single Vehicle Approval (SVA) scheme to ensure they meet environmental and safety regulations within the UK.

Repairs can also be expensive for owners of grey import vehicles, services can prove trickier due to differences in parts and specifications. Some dealers may offer parts and servicing, but it’s always best to double check before committing to a sale.

Parallel imports are vehicles that have been purchased from within the EU, but still retain the specifications of the UK models รข€” such as right-hand drive and safety checks.

All cars sold within Europe have to meet the same minimum standards for areas such as emissions and protection. Some features may be optional on some vehicles - such as sunroofs and interior trims - which would usually be included in the UK model, however some buyers will be happy to accept these minor differences if the price suits them.

It is advisable to check vehicle specifications and warranties when purchasing a vehicle from abroad, as this information can be vital when searching for a motor insurance quote.
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Wednesday, March 19, 2008

Bisnis Portal

Bisnis Portal

Breakdown Cover: Keep Inconveniences Away

Posted: 18 Mar 2008 05:57 AM CDT

In spite of sitting in a swanky Sedan or a flashy Ferrari, you can never ensure that your car engine will always work perfectly and you will be able to reach your destination without any breakdown on the way. In fact, breakdown is a common phenomena and it happens to all. That is why most of the vehicle owners make it a point that they have a breakdown cover along with the auto insurance they are legally bound to take.

Occurrence of sudden problem in a car engine is quite common. Nobody can predict when the engine of a car stops working and leaves him stranded on the spot. This may be true to the owner of a personal car or to the owner of a van or truck. And once the vehicle stops working and the person is left stranded, the difficulties to be faced are beyond description. Breakdown cover ensures that the owner does not face this difficulty.
Each moment carry immense importance when a person is going somewhere on a professional assignment. So, he will try to reach there as quickly as possible, without wasting a single moment even. When someone is in such hurry, the mental tension he will undergo if the car engine stops working is beyond imagination. In such a situation, breakdown cover will work like a godsend by ensuring the fact that the person gets a mechanic then and there.

Same may happen to the person who is going towards his destination with goods in his vehicle. He needs to deliver them to a certain address on a fixed point of time. If he gets late, lots of problems will be there. Suddenly if he meets with an accident and is left stranded on the spot, he will have to face a dire consequence. So, he needs a mechanic to repair the vehicle quickly so that he can reach on time. Nothing but a breakdown cover will do the work for him in a cost-effective manner.
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Tuesday, March 18, 2008

Bisnis Portal

Bisnis Portal

Low cost car insurance is available

Posted: 17 Mar 2008 05:58 AM CDT

If you want low cost car insurance then shopping online with a specialist broker is the place to go to get it. There are brokers who can shop around on your behalf and find you the best possible quotes. A broker is able to search the motor insurance market place and find among the cheapest premiums based on the circumstances of the individual.

Car insurance premiums do vary from provider to provider and they also vary on the individuals circumstances too. This means that shopping around and getting several quotes is a necessity when getting the best deal and this is where a broker can help. Doing it yourself takes an enormous amount of time, an individual also does not have access to the same lenders a broker does.
While the broker can find low cost car insurance on your behalf you do have to play a part in it. The broker will need to know your circumstances such as the type of car you want to insure, your age, gender and the type of cover you want.

Installing such features as security devices can also shave a little off the cost of your cover. Such features include steering locks, immobilisers, tracking devices or having the windows etched. Where you park your car is also taken into account. Parking it on the road will not be seen as safe as if you had parked it in a garage. Even the colour of the car can make a difference to the cost. Those who choose red for example are seen as being more of a risk than those who choose a brown car.

The named drivers on the insurance will also affect the premiums, with a named spouse attracting a discount while a younger driver pushes the price up.

Whichever type of insurance and whatever your circumstances a broker can help you to make huge savings. Insurance companies will offer special deals for those who fall into certain brackets for instance women drivers, younger drivers or older drivers. Younger drivers have been known to be at the high end of the insurance bracket as they have the least experience. Having a no claims bonus goes a long way to saving money on your insurance and a young driver does not have the experience. A younger driver can take advanced driving lessons to boost their record and make savings on their insurance.

One of the biggest factors you have to remember when getting low cost car insurance is to read the terms and conditions of the policy. This is where you can find any additional costs that come with the quote and also what is and is not covered in the policy. Comparing policies of a similar cost is essential because one policy could feature something which the other does not. Some policies for example include basic breakdown cover or handbag theft so it worthwhile not only comparing the costs but also the terms and conditions.
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Monday, March 17, 2008

Bisnis Portal

Bisnis Portal

Make your car insurance search online the easy way

Posted: 16 Mar 2008 05:59 AM CDT

A far better way of looking for the cheapest car insurance than looking yourself is to allow a broker to make a car insurance search on your behalf. By doing so you will not only save yourself money on cover, but also get your insurance quicker. This is because brokers know where to go when it comes to making savings.

It is also important for those who already have motor insurance to shop around and not just take a renewal on their policy year after year. While you can get a great deal when first taking out a policy, your insurance will normally creep up year after year. This means that many individuals who stick with their existing provider instead of getting a fresh quote could be paying way over the odds for cover.
A broker is without a doubt the easiest way when it comes to your car insurance search. They have access to the whole of the market place and will know from experience which insurers are more likely to be able to save you money. The cost of insurance will be based on many factors and there are many ways in which you can help to reduce the cost.

Some thought should be given to the type of car (ie the engine size) because this can go a long way to keeping down the cost. The bigger the engine size, then the more you can be expected to pay - a smaller model will cost less. If you do not need a large car then stick with a smaller vehicle because when insuring it you will save money.

Of course the amount of no claims bonus is one of the best ways to keep the cost of insurance down. The more experience you have when it comes to driving the better. If you have held a policy for many years and have never claimed against it you are able to make excellent savings.

Certain criteria such as whether you are a young driver, an older one or a woman driver can also affect the price of your car insurance. However there are insurance companies who will specialise in dealing with insurance for these and this is where you will get the best deal on your cover. A broker can take this into account and fix their search with those lenders who are most likely to offer the cheapest premiums. They are also able to do this in the shortest time possible.

When making your car insurance search online then allowing a specialist car insurance broker website to do it on your behalf is the best way to make huge savings. However you should always check the small print of any quote you are considering taking out. The terms and conditions are where you can find what will be included in your cover and what is not. Some policies can come with extras included which of course can be to your advantage and this is where you are able to find them.
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Sunday, March 16, 2008

Bisnis Portal

Bisnis Portal

Your car insurance policy can be found cheaper online

Posted: 15 Mar 2008 05:59 AM CDT

When you need to renew your car insurance policy you would be wise to shop around and get several quotes before deciding on a policy. However this is time consuming and a much quicker way is to allow a broker to scour the market place on your behalf. They will find you the best deal possible on a motor policy.

It is essential that you take the time to read through any terms and conditions of car insurance policy before you purchase as this is where you can find additional costs. It will also tell you what the policy covers and does not cover. Again this can vary with one company offering additional benefits for free where another company will charge a fee.
Of course there are many ways that you can make savings when it comes to your car insurance policy. The type of insurance you choose to take will depend how much you will be charged. There are three levels of insurance, these are fully comprehensive, third party and third party fire and theft. Fully comprehensive must be taken if your car is valued over a certain amount; fully comp is the most comprehensive type of cover and is also the dearest. Third party fire and theft falls in the middle and is usually more suited to a second hand car or a younger driver.

Third party only is a very basic insurance policy that covers any third party liability caused by you having an accident nothing else, so offers very little protection for your vehicle.

When looking for the cheapest car insurance policy there are many ways you can attract a discount on your premiums. For instance you can install security features. By installing alarms, etching your car windows, putting in a tracking system or fitting an immobiliser you can reduce the cost of your car insurance.

The amount you are asked to pay for your car insurance will also depend on such factors as your age, your gender and the amount of no claims bonus NCB or NCD- no claims discount) you have. The more no claims bonus, then the cheaper your insurance will be.

However new drivers will have not yet built up no claims but can take advanced driving lessons and the added safety these give goes a long way to reducing insurance costs. There are specific insurance companies that will offer cheaper insurance to younger drivers and women motorists - a broker will take this into account when looking for cheaper cover.

While the car insurance broker will be able to find you the cheapest car insurance policy in the end the individual should make sure the policy is suitable. You should go over the policies small print with a fine tooth comb to ensure that everything is included in the policy that you need. Signing up for cover without having read this could mean that an essential part of the cover is missed out. For example just because one policy includes basic breakdown assistance it does not mean they all do. A specialist’s website will hold valuable information on all aspects of car insurance. Sometimes you can also find such things as lists which include the top ten cheapest cars to insure and the dearest.
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Saturday, March 15, 2008

Bisnis Portal

Bisnis Portal

Finding that elusive cheap car insurance cover

Posted: 14 Mar 2008 05:59 AM CDT

While there are many things you can do to help yourself save when it comes to taking out car insurance cover, one of the best is to go online with a broker. A specialist car insurance broker is able to search on your behalf within the motor insurance market place to make sure they find the best deal.

However there are more benefits than just saving money. The time and aggravation you can save is enormous, you will get among the cheapest premiums delivered in the shortest time possible. The quotes you are given are almost instantaneous which then means you can sit back and take your time looking through them.
When it comes to helping yourself to knock off pounds on your car insurance cover there are several factors you need to be aware of. One of the best is experience in driving and a clean driving record. If you have an excellent no claims bonus then you can make savings too. For those who are just starting out and do not have no claims bonus they can take advanced driving lessons which many insurers will give you discounted premiums for.

The size of the car and engine will determine how much you pay for your insurance with larger engine sizes costing more to insure than a smaller one. Cars that are considered to be in the “flashy” range will also push up the premiums compared to a family model.

Your age and gender affects your car insurance cover too. Younger drivers are often quoted a lot more for their cover than an older driver. This is due to a lack of experience and historically, the increased likelihood of having a serious motor accident; however a younger driver can help to reduce their premiums by taking advanced lessons and sticking with a smaller car. There are also insurers who will specialise in offering cheaper car insurance for younger drivers and a broker will be able find these. The same goes when it comes to women drivers and drivers over a certain age.

Fitting your car with security measures can help you to make savings. Installing such items as steering wheel locks, tracking devices and having you windows etched can all go towards reducing the amount you pay for your motor cover.

The type of insurance policy you choose to take will also reflect on the cost of car insurance. The choices for cover include third party fire and theft, third party only and fully comprehensive. Third party only is the cheapest insurance you can take out but it is also the very basic. Third party fire and theft is a good choice for those buying a second hand car or for younger drivers and fully comprehensive is the dearest but gives the most cover.

A broker will be able to find the cheapest car insurance cover for all types of vehicles and along with this will be able to provide excellent advice on all aspects of insurance. You can find help by way of FAQs and articles which mean you get the right type of insurance for the lowest cost possible.

Get your motor insurance quote online with a brokers help

Posted: 13 Mar 2008 06:00 AM CDT

A broker can save you an enormous amount of time and money if you get your motor insurance quote online. They are able to gather quotes based on your individual circumstances a broker will know who is likely to offer the cheapest premiums for car insurance based on the information you give to them.

There are insurance companies who tailor car insurance to certain individuals. For example there are those who provide low cost insurance to younger drivers, women motorists or older drivers. A broker will be aware of this and so go with those lenders for your quotes. Of course you will have to decide which level of insurance you want and this will affect the cost.
Fully comprehensive insurance is the dearest type but gives the most cover. Third party fire and theft comes in the middle price range and is often more suitable for younger drivers. Third party only is the least amount of cover you can take and is the cheapest and basic insurance. The level you choose to take is affected by the cost of the car; if you buy a car over a certain amount then financially speaking, you have no option but to take out fully comprehensive in order to protect your investment adequately.

Once you have decided which level you require, then a broker will search based on this and other factors. Insurance companies offer a cheaper motor insurance quote based on many considerations. One of the ways which you can get a cheaper quote is if you have substantial no claims bonus. Drivers who have built this up with years’ of experience will be able to secure the cheapest premiums for their insurance.

Younger drivers often find that they are in the high end of the bracket when it comes to paying out for car insurance. The type of car you choose will add to the cost. If it is a sporty model with a big engine then you can expect to pay more for cover. A younger driver would be better off choosing a more sedate small model in order to keep the insurance costs down. Taking advanced driving lessons to improve your safety can help and a broker can certainly dig out those insurance companies who are more lenient with younger drivers.

Installing additional safety features on you car such as having windows etched, putting in car alarms and fitting a tracking device can all go a long way to keeping down the cost of your car insurance. A specialist website will be able to give you hints, tips and advice on many more ways to reduce the cost. Certainly getting your motor insurance quote online is the best way to not only make great savings but is also the easiest way. A specialist will provide you will the key facts of the insurance policy and this is where you can find what is and is not covered. It is essential you read these and compare them at the same time as comparing the premiums because they can vary quite a lot between quotes.
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Thursday, March 13, 2008

Bisnis Portal

Bisnis Portal

A broker can find you good value car insurance

Posted: 12 Mar 2008 06:00 AM CDT

When it comes to finding good value car insurance a broker can do this much easier than the individual can. A broker has the means to search within the bulk of the motor insurance market place on your behalf and gather together the cheapest quotes possible. Insurance will vary depending on your particular circumstances and among the different providers, so getting as many quotes as possible will lead to making the best savings.

The type of car insurance you need will reflect the cost of a policy. Fully comprehensive is the dearest option for insuring your car. If you buy a brand new car then you will have no other option other to take this in order top protect your investment fully.
Third party fire and theft cover is usually taken by the younger driver as it costs less than fully comprehensive. It is also suitable where you have an older car that is not worth a lot.

There is also third party only to consider which is the most basic form of car insurance.

Once a broker has found you a selection of car insurance quotes then it is down to the individual to make sure they compare the terms of the cover. This is where you can find such as what is included in the policy and is not. The contents of what the motor insurance cover offers can vary considerably. For example, you can find that some form of breakdown cover can be included for the same cost as a policy that does not, so checking the terms is beneficial in the long run.

Look out for additional benefits such as a free courtesy car if yours is involved in an a accident and a legal assistance helpline. These are all useful to have.

To help reduce the cost of car insurance you can add security features to your car such as alarms, immobilizers, steering locks or tracking devices. By doing so your car will be seen as being harder to steal by the insurer and so reduces the risk of theft. The same goes when it comes to where you choose to park your car; parking it in a garage is safer than leaving it on the side of the street.

There are motor insurance providers who will offer cheaper cover to women drivers and discounted car insurance for younger or non-experienced drivers and your broker will know where to go to get you the best quote for your needs.

Younger drivers who have not got experience on the road and have not built up any no claims bonus could take extended or advanced driving lessons and this can go a long way to lessening the premiums they are charged. Sticking with a non-sporty sedate car will also mean that they pay less in premiums.

A broker can without a doubt find you car insurance online cheaper than anywhere. However while this is the easiest and cheapest way to take out cover, it is essential that you fully understand what the insurance covers, so there are no nasty surprises should you ever need to claim.
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