Required Car Legal Documents

Failing to produce an insurance policy is a legal offense and can lead to penalties like :
Prosecution : If you do not furnish the documents within the stipulated time period, you can be prosecuted in a court of law.
Issuing an HORT/1 : HORT/1is a notice issued to drivers when they are unable to produce the car insurance policy and their driving license. Once the producer or HORT/1 is issued, the driver can produce the required documents within a week at the police station.

Required Car Legal Documents: Besides a valid car insurance policy, the driver must possess other legal documents like a certificate of insurance, cover note and a driver’s license.

Certificate of Insurance : A legal document issued by a car insurance firm or an independent car insurance provider. It proves that the insurance document is in effect. The document summarizes the coverage type, insurance benefits and the names of those insured. It also includes the date and time when the certificate will come into effect.

Insurance Policy : A written contract between the insured and insurance company. It includes the car insurance plan, its coverage, exclusions, benefits, terms and conditions, expiry dates and rates assessed.

Driver’s License : A legal document that permits driving a vehicle on public roads. It is obtained after passing a driver’s test.
Cover Note : It is a certificate issued by a car insurance company giving the insured a provisional insurance policy until the issuance of the actual policy. The cover note becomes invalid when you obtain your car insurance policy.

All car insurance companies

Lower Your Car Insurance Premium In Two Easy Ways No one likes the idea of throwing money away. If you were told that you are throwing money away every month on your motor insurance premium, how would you feel? It is undeniable that your insurance on your car is one of the most important bills you can pay each month, one that will be completely priceless should you need to claim, BUT there is the possibility that you are paying more than is necessary! There are two simple things that you can do to ensure that you do not waste any money on your premium every month. It is true that you can have control over your premium, and how much money you have to spend. The first thing that you can do to lower your insurance premium is to lower your risk profile. Many people are not aware of the simple factors that contribute to the premium they have to pay. Firstly, your age is a big contributing factor. The younger you are, the higher your premium will be. If you are a young driver, the best thing you can do is to ensure you have some good driving lessons behind you. Having an advanced driving lesson behind you can assist in giving you a lower premium. This is because the insurance company will be reassured that you have been given extra driving tips that your lack of experience will not give you. Your location, meaning where you live and work, can also contribute to a high premium. This is because there is a certain amount of risk in each area of a city. The insurance companies are usually aware of which areas are more notorious for car accidents or car related theft. If you live or work in one of these areas, the auto insurance company knows that you will obviously be driving around in this area, and will put you into a higher risk category. This is why it is important to update your details at any time that you move house or change places of work. Furthermore, you can lower your risk profile by installing a good alarm system and tracking device on your vehicle, if you do not have one already. This will make your car less of a risk to insure.

The second thing you need to do to ensure that you continue to pay the premium you are paying, and never have to pay a higher one, is to not have an accident. Undoubtedly, there is a chance you could be involved in an accident and it will not be your fault, but the only thing you can do is to ensure you are the most cautious driver possible. If you drive vigilantly, and cautiously, you could prevent an accident from occurring. If you can observe carefully and predict the actions of another driver, you may be able to take the necessary actions to stop an accident happening. In addition, always ensure that you follow the rules of the road at all times. Almost all road accidents are attributed to the disobedience of road rules. If you stick vehemently to the rules that have been put in place for your safety, you should be fine. Be as observant as possible, and most importantly, do not speed. A lot of accidents can be avoided if people had been driving at a decent speed. Driving too fast will make braking take longer, and can be disastrous if something goes wrong. Ensure that you never drive under the influence of alcohol. Even being slightly over the legal limit can be detrimental to your driving abilities. There are some countries in the world where the number one cause of collisions are because of people driving whilst under the influence. In addition to the risks of you having an accident, you could be stopped by a traffic officer and given a ticket or fine, which will become a black mark on your name that will be taken into consideration by any insurance companies you approach in the future. Car hire is ideal for holidaymakers who enjoy discovering all that their destination of choice has to offer. For travelling from beach to beach to exploring the outskirts of a busy city or travelling to a location that's further afield, there is no more convenient way to travel than by car. With car hire you can select a vehicle that's right for you, whether you're travelling alone or with your family or as part of a group; and most vehicles can be collected directly from the airport. In conclusion, it can be simple to keep your auto insurance premium under control, even if you only take these two simple tips into consideration. Choosing the right car hire company When choosing a car hire company, consider not only the prices for the hire service but also if there are hidden extras. For example, are you charged extra for exceeding a mileage limit and are you expected to refuel the vehicle before you return it? Also check that the car hire firm offers a vehicle that is suitable for your needs; whether you can specifically choose the vehicle you want; and where you can pick up/drop off the car. What are the benefits of car hire?

With car hire you can be independent on your holiday knowing you can travel where you want, when you want, with pick up and drop off times to be arranged to suit your needs. You can choose from a wide range of car hire vehicles and you could even get behind the wheel of a vehicle you wouldn't normally get to drive.

Home and car insurance companies

You know about the standard no-claims discount.
Insure your partner or spouse on your car and reduce your premium by up to 12.5%
Declare that your spouse or partner has a car insured in his or her own name, or has the use of a company car full-time, and you can qualify for a discount of around 20%.
Even if you don't have the full five years' no-claims bonus in your own name, your previous experience as a named driver on another policy will stand to you. It could save you 10% for each additional qualifying year up to the maximum of five years.

Home insurance is necessary to protect not just your belongings, but also your physical home. While no amount of money can replace pictures of your children, the coffee table you bought when you first got married, or the energy that you put into making your house a home, home insurance exists so that when you start over from a theft or storm or fire, that you don't have to go into your own pocket to begin anew.
"Contents" is basically anything that would fall out of your home if you turned it upside down and shook it. If you own a lot of expensive things, it's best to a) get higher contents insurance and b) video tape your belongings to prove to adjusters what you own in case you ever need a claim for your home insurance.

All drivers insurance

How to avoid damage

■ Take extra care on secondary roads and when the road is wet, which might conceal water-filled potholes. Debris such as grit and stones on the road surface may indicate the presence of a pothole.

■ If you see a pothole, make a note of where it is, its approximate size and depth, take a picture with your mobile phone if safe to do so. Then report it to the relevant highway authority (usually county or local council). Drivers cannot claim for damage to their cars caused by a pothole unless the authority has been made aware of it.

■ If you hit a pothole stop as soon as possible in a safe place for a visual check of your car, especially tyres and wheels, and get them checked by a professional if you are concerned – keep the receipt to support any insurance claim.
Insurance

The cost of car insurance is rocketing. According to price comparison site Confused.com, the cost of premiums rose by 38.2% in 2010, taking the average premium to £695 – meaning drivers are now paying nearly £200 more than they were at the beginning of 2010. The biggest rises came in the 51-55 age bracket, with parents adding children to their policies as named drivers accounting for the bulk of that increase – no surprise as desperate parents seek to reduce the insurance costs for their cash-poor offspring.

Many parents have resorted to "fronting" to escape the spiralling costs of insurance for younger drivers. Fronting is, according to the Association of British Insurers, the number one temptation for those trying to get cheaper car insurance. Parents insure a vehicle in their name as the main driver, with their son or daughter listed as an occasional driver when in fact they are the main user.

More than half of motorists questioned by the ABI in January said they would not rule out doing this, despite the fact it is fraud and could invalidate their insurance and lead to a criminal conviction.

The European courts are expected to rule shortly on whether gender can be used for underwriting insurance policies, including car cover. If they ban the use of gender, it is expected to push up the cost of insurance for women drivers.

Answer
insurance on the vehicle The kind of Insurance you are speaking of is a Named non-owners policy. If you are driving someones car that you borrow it needs to have insurance too. It is illegal to drive a car without insurance (for that car) The driver and owner could get a ticket for the vehicle not being insured.

Insurance groups

Car insurance groups give an indication of the cost of insuring a particular car. They obviously don't tell you exactly how much the insurance is going to cost as so many factors are involved.
If cheap insurance is important to you then choosing a car with a low insurance group is critical. This particularly applies to younger drivers, or drivers with recent claims or convictions.
To an mature driver without any recent speeding fines and a full no claims bonus, the insurance group won't make a huge difference in your premium - yes, of course you'll pay a lot more for your insurance on a group 20 car than you would on a group 1, but the difference will be probably be hundreds of pounds rather than thousands. Conversely a younger driver with any convictions or claims will find it almost impossible to get insurance on a car that falls into any of the highest categories.
Even for drivers with good driving records, some insurers won't be interested in the very highest groups. We found some wouldn't touch anything over about 18 and there may be others who prefer to stick to the cars in groups 1 to 10. When looking for insurance on a Porsche Boxster S, we also found one or two insurance companies who would only insure a maximum value of £40,000 so the that excludes new models of most of the Porsche range as it doesn't take many Porsche options to push the cheapest models over that limit, and the Boxster S at the time was around £40,000.
The insurance groups in our lists have been compiled from a variety of sources. In our experience there seems to be some difference of opinion on the exact group for many cars; in these cases, our data reflects an average figure. Our Insurance Group figures are never intended as an absolute guide, rather they're an indication of which cars are going to cost a lot to insure and which cars won't. For precise figures we recommend you contac your insurance company, broker or agent. They will have a list of insurance groups for almost every possible vehicle and that will be the insurance group used to set the price for your insurance.
As always, our advice is to shop around for insurance whatever your circumstances are. You can almost always find a cheaper quote, though do take note of the level of cover offered; there is no point getting 'cheap insurance'; what you want is good insurance for the lowest possible price.


If you're changing your car you'll want to think about the cost of insurance before you commit to buy. The insurance group rating is the key.

Most new cars are assigned to an insurance group – a rating between 1 and 50* that indicates the level of risk as seen by the insurers.

Insurance group ratings are advisory - insurers don't have to follow them.

Insurers take many factors into account when setting premiums but with all else being equal, the lower the group number the lower the insurance premium should be. This means that the insurance group can give you an idea of relative insurance costs when comparing different models.

Specials, such as kit cars, imports and conversions are generally not covered by the insurance group rating scheme.

Gap insurance price

Car Insurance And Secondary Drivers.
The best way to get value-for-money auto insurance rates is to compare the quotes from as many top insurers as possible.

Car insurance is a necessity, and in some countries, it is even illegal to drive without it! Unfortunately car insurance is also very expensive, especially for younger drivers under the age of 25. A lot of young adults who are under 25 are insuring themselves on their parents' policies to save money. This is a dangerous thing to do, for both the parent and the child. We will discuss why this can be dangerous.

Firstly, there is no problem with young adults being a secondary driver for a vehicle on their parents' policy. This is if they are in fact a secondary driver. It is considered fraud if a child is listed as a secondary driver on a policy when they are in fact the main driver of the vehicle on the policy. It has come into being, with the current economic crisis, that a lot of young drivers are resorting to this fraud, thinking that they will at least be insured, and it costs a lot less for them. Unfortunately, if they have an accident and the car insurance company finds out that they are the main driver of a vehicle they were listed as a secondary driver for, this will be considered as insurance fraud, and the insurance company will be within their full right not to pay out.

So why are young adults turning to their parents car insurance policies instead of taking out their own? Well the financial crunch that has come into play recently has to be taken into consideration. People are just completely unable to afford to take out their own car insurance policies. Sometimes even the cheapest option is just not affordable for them either. Putting themselves on their parents' policies can be a cheap, easy way out, especially if it is illegal to drive without car insurance in their country. In a lot of cases, these young adults are even purchasing their own cars, registering it in their own names, but then putting the vehicle on their parents' insurance policy and naming themselves as a secondary driver when they are indeed the main driver.

This is a silly situation to put yourself in. Sure, the money saved on premiums every month can add up to a lot, but it will land up costing a lot more money in the long run when the insurance company does not pay out if they discover the fraud committed.
you get:

quick and easy access to the top insurers;
guidance on how to make good decision on which policy to buy; and
usually hundreds of dollars in savings!
It is better for young drivers to look into all their options for obtaining an affordable vehicle insurance policy. By driving a small, easy maintainable vehicle, you will get a lower premium, as will installing a good alarm system on the car. This lowers the risk that associated with younger drivers.

Au insurance

How to cut costs.
!!!!!!!!!!
■ Roof racks make your car less aerodynamic. Remove them when not in use.

■ Check your tyre pressure – poorly inflated tyres put more strain on the engine and use more fuel.

■ Make sure you are not keeping unnecessary items in your car.

■ Accelerate gradually from standstill and leave a decent gap between the car in front to allow you time to break gently. Both practices will save petrol.

■ Get the car serviced regularly (according to the manufacturer's schedule) to maintain engine efficiency.

■ Make sure you use the correct specification of engine oil.
Potholes

A couple of weeks ago the AA issued an alert that the harsh winter is bringing out a rash of potholes on our crumbling roads which will wreak havoc on cars. It said many roads are "on borrowed time with a combination of potholes, snow and heavy rain producing the worst imaginable driving conditions".

The average insurance claim for pothole damage to cars is just over £1,300, though the most costly claim the AA dealt with last year topped £14,000, when a driver lost control and crashed after hitting a pothole. Cuts in road maintenance budgets of 20% mean local authorities face difficult choices on prioritising roads for repair, with many potholes likely to go unrepaired.

Simon Douglas, director of AA Insurance, says: "Our claims staff are bracing themselves for a steep rise in reports of cars damaged by potholes. Last winter there were three times as many claims between January and March compared with the same period in 2009. We expect the pothole problem to be significantly worse this year because of three successive bad winters and the growing backlog of road renewal."
Everybody wants cheap car insurance but it is important to look beyond the price of the premium, to see exactly what you're getting (or more importantly not getting) for your money.

Being a positive and safe driver earns you additional Bonus Miles each month. !!!!!

Insurance no license

Pennsylvania law requires all Pennsylvania motor vehicle owners to maintain vehicle liability insurance (financial responsibility) on a currently registered vehicle. Vehicle liability insurance covers the property damage or injuries you may cause others in a crash.

A lapse in insurance coverage results in the suspension of your vehicle registration privilege for three months, unless the lapse of insurance was for a period of less than 31 days and the owner or registrant proves to PennDOT that the vehicle was not operated during this short lapse in coverage. If PennDOT determines that you operated your vehicle without the required insurance, your driver's license will also be suspended for three months. The registration plate, sticker, card and driver's license must be surrendered to PennDOT in order to serve the suspension. Restoration fees of $50.00 and proof of insurance must be submitted prior to having either registration or driving privileges returned.

You can go online to request and print a free vehicle registration restoration requirements letter, which outlines certain criteria that must be met before a vehicle's registration can be restored. To request and print your restoration requirements letter, visit "Request a VR Restoration Requirements Letter". Users will need to provide the first eight numbers of the vehicle title number, the last four numbers of the Vehicle Identification Number (VIN) if the VIN is more than four digits long and the first two characters of the owner's last name or the first two characters of the company's name if a company owns the vehicle.

Answer
In the state of AZ, the insurance follows the car. Your own coverage may extend to a vehicle that you are using with permission but only as secondary coverage.
Answer 1
Until this answer is improved by an expert, this layman's answer will have to suffice.
IF the driver is not named on the vehicle's insurance, the terms of the insurance policy will dictate the handling of a liability claim for the accident in which the vehicle was involved.
Normally, if the driver is:
1. Legally licensed to drive, and
2. Has the permission of the owner of the vehicle to have been driving it at the time of the collision, then most policies will cover the "Permissive User."
Insurance follows the vehicle, not the driver. If the vehicle you borrowed does not carry insurance and you do, your insurance becomes secondary to cover the claim. The owner's insurance is primary.
Answer 1
Generally, throughout the insurance industry, if there is insurance on the vehicle involved in the collision, then that insurance is considered "primary,' and is the policy which will provide first coverage if coverage is extended to that driver.

Then, IF the primary coverage is not adequate [not enough money], the driver's insurance [considered secondary] will kick in for the balance owed on the liability claim, until its limit is reached.

typically the insurance on the car is primary.....if that policy has collision coverage (am assuming there is liability coverage as that is required).....the vehicle policy will repair that vehicle....if that vehicle does NOT have collision coverage and driver has a policy with collision coverage then drivers policy will step in (2nd)......if neither policy has collision coverage and the driver of your vehicle is at fault..........no company is repairing that vehicle..... and yes as mentioned which ever policy pays for the 'at fault' accident those rates are increasing......could be that both pay....yours for the other parties damage under liablity portion (if your vehicle is at fault) and drivers collision coverage (if your vehicle has no coll.cov)

That is determined by the coverage clauses in both parties policy. The person whose insurance company pays will be the one whose rates increase.
you usually are covered by the insurance for the car...if your friend drove your car and you had insurance on your car, they would be covered on your insurance, not their own
Answer
Generally not. While you're an insured driver, it's your the policy covers only your liability.
Answer
with permission from the owner, as long as there is no exclusion.........and you are not a 'regular' driver, if you are using the vehicle with any regularity, you would need to be listed as an insured driver.......
Answer
No. The person who owns the car and has it insured will be responsible through their insurance. However, they can take you to small claims court for the amount they had to pay and will win the case.

Company car driver insurance

Breakdown On Different Vehicle Insurance Packages

The main reason people take out a car insurance policy, is to ensure that should something happen to their motor vehicle, they will be able to get it repaired or replaced without them being out of pocket. Furthermore, insurance cover will protect against any costs one would incur if they hit into another vehicle. With the current statistics on the frequency of collisions on the roads, it is just irresponsible to drive without any insurance.

The first type of car insurance cover that we will discuss is the fully comprehensive option. This cover will protect your vehicle in all types of collisions, theft and theft attempts. The cover will pay out to damages to your car, and also any damages to the other vehicles you hit if you were at fault for the accident. Fully comprehensive insurance is usually the most expensive of the lot, and will cover for all types of accidents, fire and theft.

Third party coverage is the cheapest type of insurance. This insurance will only cover any damages to the car you hit in a collision if the accident was your fault. This can come in handy if you happen to rear end a luxury vehicle. This type of insurance is usually best for much older vehicles, whose worth is not validated in expensive monthly insurance.

There are many different types of car insurance; it all depends on your individual needs. You can take out a simple insurance policy, and add onto it the extras you would need. Some extras include theft damage, fire damage, hail damage and medical and travel cover. Attempted theft can cause grievous damage to your motor vehicle, and the damages can be expensive. This is why it is good to have this cover. If you live in an area that is notorious for bad weather, then Mother Nature cover is good for you. Hail and strong storms can also wreck havoc on your motor car. Another fantastic extra is for a rental car. This is where the insurance company will pay for you to use a rental car whilst your damaged one is being repaired or replaced.

The extras you need are completely up to you. You can start with third party for affordability, and then build on that cover with the extras that you feel you vitally need. When in doubt about the amount of money that you are paying for your policy, then you need to compile as many insurance quotes as possible to make a good, informed decision.

Did you know in a standard homeowners insurance policy, coverage limits for jewelry, furs, watches, and related items is only $1,000 combined? These and other limits are in place to encourage home owners to buy additional insurance coverage for valuable and hard to replace items.

Additional home owners insurance coverage can be purchased through a Personal Articles Form or other additional applicable policy. Below is a list of item categories that may have limited insurance coverage for home owners.

Just car insurance

The philosophy at Just Car Insurance is that being a new or young driver doesn't automatically mean you are a bad driver. The company doesn't look down on youth, and it doesn't look down on modified, tricked-out, non-standard cars. Just Car Insurance won't automatically turn down drivers with a less than perfect accident record either, as long as the driver honestly informs the company of their history.

This post isn't just a rant though, was also wondering if anyone else can suggest some good insurance companies to try or if I should just suck it up and go with just car?

Driving insurance

Car Insurance

Whenever you get behind the wheel of a car, it is possible that you may cause damage to other people’s property, or injure – or even kill – yourself, other drivers, passengers or pedestrians.

Mandatory Insurance Coverage

Most people don’t have the money to pay for the losses (property damage, injury, death) they might cause while driving, so governments require drivers to carry a certain amount of insurance to cover any losses they might cause others to suffer (Liability).
If you've found the cost of your motor insurance is forcing you off the road, talk to Only Young Drivers. Providing careful young drivers with affordable car insurance is what we're all about. So if you're a genuinely careful and responsible young driver, with a track record to prove it Only Young Drivers will help reduce the cost of your car insurance.

Does auto insurance cover the car or the driver

An insurer's premium increases are a direct reflection of the countrywide or statewide pool of losses that the insurer experiences. The losses of the few within the insurer's pool of policyholders are paid for by all policyholders within the pool. This is the basic premise upon which the concept of insurance is based and without which no insurance would be available. This does not mean that your own favorable loss experience cannot be recognized. Various insurers give numerous discounts to policyholders which recognize their excellent driving records. Other reasons for the increase in the cost of auto insurance are attributable to the costs to settle losses such as the costs to repair vehicles and the medical costs for injured persons which continue to rise. The increase in lawsuits is also a major factor in insurer rate increases.

Insurance Coverage
In my experience as an auto insurance adjuster, the car carries the insurance. It would tie up the courts if settlements were partially on the vehicle and partially on insurance carried by the driver. If your car is involved in an accident while being driven a person who does not have your permission (as the Named Policy Holder) it is possible that your insurance company, after an in-depth investigation, including sworn statements by you, may try to subrogate against the unauthorized driver's insurance.
Here are more opinions and answers from other FAQ Farmers:
• I think this question could vary state to state. However, in WA, the insurance on the vehicle is primary, and if the drivers has insurance on another vehicle, or a broad form policy, theirs is secondary. Hope that helps, just my 2�.
• The vehicle's insurance is primary. If liability insurance on the vehicle is inadequate your own policy will come in as secondary and protect "YOU".
• The driver's insurance applies. Think of this: how can you lower your insurance premium: you, the driver are experienced, good driver (no accident, etc.) As soon as I add my daughter to my policy, it changes to inexperienced driver and not good driver category! SAME car....!
• The insurance follows the Named Insureds Liabilities. That is the general rule. However, in some states, there is case law that will hold the owner's and driver's insurers coprimary for liability coverage IN SITUATION WHERE THE DRIVER IS USING THE OWNER'S CAR AS A TEMPORARY SUBSTITUTE VEHICLE. Generally though, the driver's policy is excess or secondary.
There is an excess clause in nearly every auto policy. One particular Auto Insurance carrier is famous for trying to deny coverage based on this excess clause. But, as far as I know EVERY company's policy language includes this excess clause.
In MOST cases, where only PD or MD (property damage or material damage) are involved, companies will agree to pro rata shares of coverage.
The above-mentioned carrier tends to dig their heels in the sand, however, and prolongs the handling of such claims, which nearly ALWAYS translates to a costlier claim process.

10 Factors that Effect Car Insurance Premium

10 Factors that Effect Car Insurance Premium:

Car insurance premiums are calculated using a wide variety of details given by the customer. The most basic information is the make and model of the car to be insured. Each factor can have a considerable positive or negative effect on the premium.In the UK, a scale of 1-20 is used to determine the relative relationship between a car’s make and model and the premium rate that is imposed on the owner of the car.
Newer models earn a higher rating as their value is more. Older cars have a greater chance of needing breakdown recovery services which can raise the rate of the premium.

Cars rated on the lower end of the scale (nearer 1) have a lower premium and cars that attract a higher rating have higher payments. The more powerful the car engine, the higher the rating of the car.

The area in which the car will be kept is another consideration for insurance companies. Areas that have a higher crime rate have higher premiums due to the increased risk of the car being stolen or vandalized.
If you are a female driver, you may be able to get a discount with some companies. Women have been statistically proven to make low cost claims, so they enjoy the benefit of lower premiums to reflect this.

If you are a young driver who has a second-hand car, consider only getting third-party coverage. It might be worth the risk for the amount you will end up saving. Trying to reduce the annual mileage is another way to reduce your premium. The more a car is driven, the higher the risk of it being damaged, and as a result the premium is higher.
Younger drivers suffer due to their lack of experience. The payment scale is very harsh on those who have had little time behind the wheel. One way to balance this biased scale a little is to ensure that, as a younger driver, you have a less powerful car that costs less in insurance. If you are one of a number of people on the same policy (such as a household policy on the same car), consider only allowing those above a certain age to be included in your policy. This will reduce the costs you incur annually.

If you are insuring more than one car, try insuring with the same company. This can earn you some discount. If it is a pool of company cars being ensured, take out a fleet policy to get a better rate.
If your car is expensive, fit an anti-theft alarm or tracker device to it. Approved alarms and immobilizers can significantly reduce premiums. Garaging your car is another way to reduce your premium.
Try to avoid claiming money from the insurance company for low cost repair work. Making a claim may deny you your ‘no claims’ bonuses for the following year (unless you have it protected) which will lead to a rise in your premium rate.
Paying excess is worth the risk if you are confident that it will be unlikely that you make a claim. This is a major cost-reducing factor in calculating premiums.

There are so many factors involved in calculating a premium that it is hard to give a rough estimate of how much car insurance could cost you. It is necessary for each individual to give their details to at least 2-3 insurance companies before they can get an idea of what sort of premium would be expected.
Leave a comment if you like.