Direct Line Car Insurance

Direct Line Car Insurance Direct Line, now a multi product insurer was started in 1985 with a single product offering – car insurance. Today Direct Line is one of the most well known insurers in the UK with over five million customers. Direct Line prides themselves on their competitive pricing and outstanding customer service. If you wish to speak to Direct Line about a new or existing UK car insurance policy you can expect a quick response from a UK based call centre.

The Benefits of a Direct Line Motor Insurance Policy Direct Line vandalism cover Direct Lines vandalism cover, included with all comprehensive car insurance policies preserves your no claims discount in the event that a claim needs to be made for vandalism. Named Driver No Claims Discount Named Drivers on a Direct Line motor insurance policy receive their own no claims discount for when they take out their own policy with Direct Line. Direct Line car insurance policies also offer: • No excess and protection of your no claims bonus if you are hit by an uninsured driver • Up to 70% No Claims Discount Option benefits for Direct Line car insurance policies in the UK include guaranteed car hire in the event your vehicle is damaged in an accident and legal protection cover. Direct Line is a popular and competitive insurer and enjoy a strong position in UK car insurance market. LV= Car Insurance lv content Liverpool Victoria LV car insuranceLV are the UK’s largest friendly society, established in 1843 as Liverpool Victoria. They have built an enviable reputation for the quality of their car insurance products. Independent financial services research body, Defaqto, have awarded LV= Car Insurance five stars for the fifth year in a row. LV= currently have a strong foothold in the UK market for cheap car insurance.

‘Seriously good car insurance’ is the Elephant strapline, and they do include some useful benefits as standard across all policies. For example, 90 days European cover is standard with both third party and comprehensive Elephant motor insurance, whilst flexible payment options are also available to help manage the cost of your car insurance policy. Elephant Car Insurance elephant content Elephant Car InsuranceElephant.co.uk is one of the best known names in car insurance. Having started life in 2000, they offer motor insurance quotes online, usually at highly competitive rates. They are certainly a popular choice, having insured over 350,000 drivers, and claim to offer both great value, and strong customer service. Car Insurance Review

What would you expect to be included with a Temporary Car Insurance policy?

What would you expect to be included with a Temporary Car Insurance policy? What’s included with a temporary car insurance policy will depend on the insurer providing the cover, and so you should always check that you understand the policy terms before purchasing cover. Generally speaking, most temporary policies include the following:

• Comprehensive cover for damage to the vehicle in question including loss from fire, theft or vandalism • Cover for liability to 3rd parties including injury and damage to property • Compulsory EU cover Other policies may also include the features above but offer additional benefits such as: • Uninsured loss recovery • Temporary breakdown cover

It’s important to note that not everyone will be eligible for temporary car insurance. The majority of temporary policies are available only to drivers aged 21 or over, and in many cases you must be at least 25 to qualify. You should also remember that you cannot use a temporary policy to build up a no claims bonus.

Insurance Companies UK

Insurance Companies UK Harold creates a task list everyday. He sets goals to contact a certain number of clients and insurance companies, sell a certain number of policies and solve a certain number of problems. The work can be depressing and frustrating but ultimately satisfying. William Terrance, one of his clients calls. He is extremely agitated because his health insurance company is not paying for his wife’s cancer treatment, claiming that the woman had cancer before the policy was bought and this fact was concealed. Harold explained that since the Terrances have medical records that show that the cancer was detected well after the policy was bought, they qualify for the insurance payments. Harold immediately calls up the health insurance company and explains to them that if payments are not made promptly, the Terrances will sue the company.

Around midday Harold is headed for Mike Dunnan’s home. Mike is a client with a very complicated case. He knew he was HIV positive but he did not reveal this in the forms he filled out in order to get a health insurance policy because he did not want anyone to know about his illness. He was afraid that word would leak out at his office and he would be fired under some pretext. \

He was afraid of the alienation suffered by HIV positive people. Unfortunately some higher up in the health insurance company gained unauthorized access to Mike’s files. The insurance company was now planning to sue Mike for concealing crucial information. However, Mike could counter sue for breach of privacy and unauthorized access to his private medical information.

This is a middle class neighborhood with a relatively high crime rate. After managing to sell two auto insurance policies and one home insurance policy, Harold is headed for South West Park. This turned out to be a very lucky day for him as, after two weeks of negotiations, the software house based in the area agreed to buy health insurance policies for all his employees. This meant that Harold would get enough bonuses and commissions to take his wife on a nice vacation to Greece. Harold could not stop smiling as he switched off his laptop and gathered his papers together at 5pm. He was finally heading for home and looked forward to the comfort of his Bermudas and flip flops.

Event Liability Insurance: Frequently Asked Questions

Event Liability Insurance: Frequently Asked Questions


Find below some of the frequently asked questions related to event liability insurance.

What is a event liability insurance policy ?

Event liability insurance policy is designed to protect you from certain kinds of claims that occurs from accidents taking place during the event. For example, when your guests get injured because of wet floor, you are liable to pay him some money. In general, event liability insurance policy offers coverage in the range of to $250,000 for third-party property damage at the event site for which you are liable.
How to buy a event liability insurance policy ?

To buy event liability insurance policy first you need to select an insurance company. Once you manage to do that, next you have to fill the application form. Often, you have to attach documents like your passport and salary slip with the application form. When insurance company find that the details you have provided is correct, you will receive an agreement paper from the insurance company, which will include the terms and conditions of the insurance policy. If you are happy with the terms and conditions of insurance policy just sign the paper.

The policy premium of event liability insurance is a one-time only payment.
My venue needs me to show proof of liability insurance. Is event liability insurance policy ideally suited for this ?
Is the policy premium of event liability insurance payable monthly or as a one-time fee ?

The answer of this question is yes. Event liability insurance policy allows you to name your venue as additional insureds. Remember that you do not need to pay any extra money for this. If you want, separate insurance certificate depicting the additional insured it can be issued by your insurance company. It is quite pivotal, however, to make sure that the per-occurrence and aggregate limits needed by your venue is in line with your event liability insurance policy.
Does event liability insurance policy provide coverage for alcohol-related accidents ?

Yes, event liability insurance policy does provide coverage for alcohol-related accidents. For example, if accident occurs because of intoxicated guest, you will get coverage on the basis of your insurance policy terms and conditions.

What is Employers liability insurance ?

What is Employers liability insurance ?

Employers liability is designed in such a way that it provide cover for your employees in case of any emergency. Point to be noted here is that employers liability does not cover you against the risk of being sued for claims like. Employers liability is basically a legal liability to pay damages consequent upon disease or bodily injury sustained by any employee during the job period.

Employers liability insurance is a mandatory insurance policy for all business owners that are taking the services of an employee. For example, if you are the chief operating officer of a private limited company then you will need employers liability insurance by law.

Employers liability cover includes trainees, temporary workers and sub-contractors. If you are running a limited company, employers liability cover is essential. In case if you are a sole director with no staff then there is no need of any cover. In terms of limit of indemnity for employers liability, the minimum level required is $5 million. However, for more peace of mind you should opt for a policy that covers more than $10 million.

You always have a choice of increasing the limit of indemnity for employers liability.

To get a best possible employers liability insurance deal, you need to shop around in the market. Insurance companies normally give discount of around ten per cent when you have more than 50 employees. When you take quotes from multiple insurance companies you will get to know what the prevalent market rates is. This in turn will ensure that you will face no problem in terms of rates. You can also get employers liability insurance policy through online insurance companies. The best part about online insurance companies is that the application procedure is quite straightforward here. Read the contract paper carefully before submitting it to the insurance company.
You just need to give the details of employees and in a matter of few days, you will get the contract paper of employers liability insurance.

Covering Liquor Liability Insurance

Covering Liquor Liability Insurance

According to law, person who served the liquor is also equally responsible for the accident that has occurred because of drinking too much liquor. The family members of the individual who has suffered serious injury or death due to drunk driving can sue all people that is associated with the party. To reduce your liquor liability, best way is to not serve liquor in your party. However, this is not really feasible because no party is complete without the inclusion of liquor. It’s your responsibility to make sure that your guests do not drink too much liquor during party.

Whether you are hosting a wedding, group party or a neighborhood picnic, alcohol is served everywhere. During party, drinking alcohol will not be much of an issue but when your guest’s start going for their homes, chances of accident while driving increase a lot.

If you are taking the services of vendor in serving liquor, ensure that vendor is licensed and insured. If that is not the case, you are in for a tough time especially if any of your guests commit an accident. If you are serving liquor by yourself, you can handle situation more efficiently as you will know how much liquor is being consumed by the guests. If any of your guest is taking too much liquor you can tell him clearly that he has already crossed liquor limit and now he will not get any dose.
If possible, it is also recommended that you add an indemnification clause. To get discount in liquor liability insurance policy, you need to shop around in the market. Rather than going for short-term coverage, it is advisable that you opt for comprehensive liquor liability insurance coverage.

It’s always better to remind guests to drink responsibly and exercise good judgment. Let them know that drinking too much liquor can cause significant danger to their life. If any of your guests has drink excessively, make sure that he does not drive the car and you send him to his home on your car through your driver. Buy a liquor liability insurance policy by getting an additional rider from your insurance company.

Travel insurance web information

Travel insurance web information

Travel insurance web provides you cheap travel insurance with great cover. In other words, you do not need to pay huge sum of money to get comprehensive coverage. Travel insurance web is so confident of their service that if you manage to find a cheaper quote than them, you get insurance for free.

Apart from terrorism cover, travel insurance web also offers annual travel insurance and single trip travel insurance. The single trip travel insurance policy of travel insurance web provides you with ?10 million of medical cover. In addition, it also protects you against loss of passport, baggage and passport. Interestingly, company only sells travel insurance policy to people who are less than 49 years of age.

Despite giving you cheaper quote on travel insurance, travel insurance web does not compromise on the quality of your cover. When you opt for travel insurance web, you can enjoy your vacation abroad even more with detailed travel insurance behind you. Unlike some travel insurance companies that does not offer terrorism cover on travel insurance policy, travel insurance web does provide you with terrorism cover.
Features of single trip travel insurance policy :

Worldwide cover
Additional sports cover.
?3,000 cancellation cover.
Emergency dental cover.
Individual as well as family cover.
Travel insurance cover from 2 days to one year.

Annual travel insurance policy of travel insurance web covers you for unlimited holidays in foreign countries for a period of one year. With the help of this policy, you can save plenty of your money.

With medical cover of up to ?10 million, annual travel insurance policy protects you against loss of passports, baggage and money. Similar to single trip travel insurance policy, annual travel insurance policy of travel insurance web is only applicable to people less than 49 years of age.

Features of annual travel insurance policy :
Individual and family cover.
Additional sports cover.
?10 million medical cover.
?3,000 cancellation cover.
Unlimited trips for a period of one year.
Choice of one or two months for each trip.
Worldwide cover.
Emergency dental cover.
Cash, passport and baggage protection.

Features of AA travel insurance

Features of AA travel insurance

AA travel insurance offers brilliant-value travel cover that is quite flexible in nature. The single trip travel insurance of AA gives you tremendous cover for your holiday. On the other hand, annual travel policy of AA is great value especially if you are one of those individual that makes regular foreign trips.

You can get AA travel insurance quote without any hassle. The most important thing about AA travel insurance policy is that your travel insurance cover start almost instantly and you will get all your documentation within an hour of buying your policy. If you are happy with the quote, next you need to purchase policy through a secure website of AA. You can buy travel insurance policy in just a matter of few minutes.

Advantages of AA travel insurance
You will get emergency help while travelling and that too 24 hours a day, 365 days a year.
There is provision of discounts for families and couples.
Wedding and winter sports cover is available in AA travel insurance.
Cancellation cover of around ?5,000 per individual.
Cover for business travel is also included in AA travel insurance policy.
Medical expenses of around ?10 million with AA travel insurance.

If you and your partner live at separate addresses, in that scenario you would have to purchase separate policies. In AA travel insurance policy, pleasure sailing is covered but only within internationally recognized territorial waters. There is no cover for powerboat racing and high diving in AA travel insurance. In addition, AA travel insurance do not give you cover for any sub aqua routine below 30 metres.

AA travel insurance does give you personal liability cover but only for temporary rented holiday accommodation. In case if you possess the overseas property, you are not going to get personal liability cover from AA. You can get some cover for studying overseas but it does not include any professional liability cover.

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Direct Travel Insurance information

Direct Travel Insurance information


Direct Travel Insurance is one of the prominent travel insurance specialists in United Kingdom. All the travel insurance policies of Direct Travel Insurance are underwritten by AIG UK Limited. It is worth mentioning in this regard that the Financial Services Authority authorizes and regulates both Direct Travel Insurance Services Limited and AIG UK Limited.

Direct Travel Insurance provides travel insurance policies for single trip, annual, ski holidays and backpacker for individuals who are UK resident and are less than 76 years of age. According to the latest report of, an independent market research company, the standard policies of Direct Travel Insurance are much better than policies of other travel insurance companies in terms of price. Whether you are looking for a good coverage or low insurance costs, Direct Travel Insurance policies offers you great value. The customer service of Direct Travel Insurance is also top class.

The standard policies of Direct Travel Insurance do not cover any pre-existing medical conditions and wintersports. Individuals over the age of 65 cannot opt for standard policies of Direct Travel Insurance.
Backpacker policy details

To avail backpacker travel insurance policy of Direct Travel Insurance, your age should not exceed 36 year. Talking about period of cover, it covers individual trips from three months to one year. You can also extend the policy by another six month. There are no territorial limits associated with backpacker policy of Direct Travel Insurance. In other words, policy provides you cover for any destination. However, cover for pre-existing medical conditions are not available in backpacker travel insurance policy of Direct Travel Insurance.

The best part about backpacker policy of Direct Travel Insurance is that you get emergency ticket, hotel reservations, urgent message relay and advice on visa and transport with weather forecasts and safety details.
With backpacker policy of Direct Travel Insurance you can also get additional cover for snowboarding and off-piste skiing. You can add the cover during or before your trip. Plenty of hazardous sports such as Gorilla Trekking and Bungee Jumping are automatically covered in this policy.

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Features of student travel insurance policy

Features of student travel insurance policy :

Twenty-four-hour emergency medical assistance.
Delayed or schedule failure coverage.
Money-back guarantee for delays in baggage delivery.

Vacation Travel Insurance Tips

With the help of travel insurance, you not only get a cover for medical expenses but also life insurance for your loved ones.
Travel insurance is quite an integral part of vacation but often individuals ignore this important part. You should opt for travel insurance whether you are traveling abroad or a nearby state.

In case if you possess medical coverage, it is of paramount importance that you have a word with your insurance company with regard to details of your planned destination. Generally speaking, you have a choice of purchasing medical coverage for the complete duration of your trip or for a limited period of time.

There are few travel insurance policies that cover one or more trips of specific time period. On the other hand, few travel insurance policies will cover you for travel up to one year.

If you are interested in a mountain climbing or skiing vacation, make sure that you go for evacuation insurance. You need to pay huge bill if something drastic happens and you take the assistance of rescue service. Trip cancellation insurance is an absolute must if you are taking an organized tour or going on a cruise.

With trip cancellation insurance in place, you don’t need to worry about any changes in the plan and illness among family members that can have an impact on your original plan. Plenty of companies do not provide refunds and therefore plenty of your money can be wasted if there is some modification in your original plan. Other famous coverage associated with vacation travel insurance is baggage delay, accidental death, travel delay and 24 Hour Traveler Assistance.

When travelling abroad, it is quite critical that you check with your auto insurance company regarding the auto insurance coverage that is applicable on you. If you are not happy with the kind of coverage you are getting, buy extra coverage. Ask your insurance company about an international roadside assistance policy.You will get some discount in vacation travel insurance when you opt for group insurance rather than individual insurance. Auto accidents can create lots of problem for you especially in foreign soil.

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Eligibility criteria

Eligibility criteria

In order to avail the benefits of travel insurance you need to satisfy below-mentioned eligibility criteria.

If you want coverage for everyone under annual multi-trip policy, it is quite mandatory that all individuals live at the same UK address.
You can only avail travel insurance policy when you are more than 18 years of age. People over the age of 64 cannot avail travel insurance policy.
To get the coverage of travel insurance, you must be a resident of the UK. Resident of Isle of Man and Channel Islands cannot get the coverage of travel insurance.
For laptop and other expensive items, you have a choice of going for an additional cover.

There is some travel insurance coverage that changes from country to country. It’s your responsibility to ensure that your travel insurance policy is applicable on all countries. For example, if you are planning to go to study in China, then you need to ask your insurance company first whether your insurance policy is applicable on China or not. If it is not applicable, you need to buy a new insurance policy that is applicable on China.

Finding cheap student travel insurance is not that easy. As a matter of fact, you need to shop around in the market and take quotes from ten or fifteen insurance companies to accomplish this task. When you take quotes from more than ten insurance companies, not only you will get a rough idea of present market condition but also get an insurance policy at good rates. Your friends and family members can also help you immensely in finding a cheap student travel insurance policy.

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Student travel insurance: Important for your safety

Student travel insurance: Important for your safety

Overlooking student travel insurance can create lots of problem for you. On the other hand, if you manage to find a decent student travel insurance policy you will get a peace of mind at the time of traveling. The best part about student travel insurance policies is that you will get cover for each and everything. It includes baggage, medical expenses and trip cancellation.

Important for your safety

When buying student travel insurance policy, check with your insurance company whether it covers you for any extra routines such as white water rafting and bungee jumping. There are loads of brilliant travelogue sites in the world wide web that provide you with suggestions regarding insurance.
If you are interested in studying abroad, it is advisable that you get covered up for a period of one year. When you do this, insurance company will give you some discount.
You will not get any discount when you want Benefits of Tesco travel insurance

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Travel Medical Insurance: Great idea when you are traveling abroad

Travel Medical Insurance: Great idea when you are traveling abroad


When you are traveling abroad, travel medical insurance is quite a brilliant idea. Travel medical insurance is quite similar to traditional regular health insurance. The only difference being that travel medical insurance also cover you in the country where you are interested in traveling.

Travel medical insurance is of two types, namely, temporary travel medical insurance and permanent travel medical insurance.

If you are going to travel to a particular country on a regular basis, then permanent travel medical insurance is the way to go. On the other hand, if you are only going to travel twice or thrice a year then instead of opting for permanent travel medical insurance, you should choose temporary travel medical insurance. To avail benefits of travel medical insurance policy, you need to pay a monthly premium to an insurance company. You can pay premium through middleman or an insurance agent. Most insurance companies have number of insurance policies that are easy to buy and are quite reliable.

You will face no problem in finding the travel medical insurance company, as there are more than thousands travel medical insurance companies operating in the market. Before opting for any travel medical insurance company, it is advisable that you check their reputation.
As already mentioned, travel medical insurance is ideally suited for international travelers that needs to go abroad regularly.Salient features of travel medical insurance policy :

Every travel medical insurance scheme has a hospital indemnity benefit of around $100 per night.
If you want some additional coverage in your travel medical insurance plan, you have a choice of going for a short-term coverage for your trip.
Most of the travel medical insurance companies pay around $15,000 in eligible medical expenses for pre-existing conditions.

As rates of travel medical insurance varies from one insurance company to another, it is quite pivotal that you take quotes from at least six or seven travel medical insurance companies. By following this route, you increase your chances of getting travel medical insurance policy at easy terms and conditions.

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Major Medical Health Insurance for Families

Major Medical Health Insurance for Families:

Health insurance is quite a significant security measure that can give your family a financial support at tough situations. For example, if you are the main earner in family and is presently suffering from serious illness, medical health insurance will make sure that there is no negative impact on the normal functioning of your family.

Apart from covering unexpected costs of emergencies, medical health insurance also covers preventive health care routines.
The kind of insurance coverage that you can get depends on your family size, terms and conditions and the premium. Once you are aware of this, you will face no problem in finding the medical health insurance policy. Before buying insurance policy, you must know well in advance what kind of coverage you want.

If you are happy with the terms and conditions of the insurance policy, you just need to sign the agreement paper. On the other hand, if that is not the case, you always have an option of selecting another insurance company.

To avail medical health insurance policy, you need to pay a monthly payment commonly known as the premium. Your money will be returned back once your insurance policy is matured. You can also get this money before maturity if any emergency has occurred.
In UK, medical health insurance is available in number of types. It includes, publicly funded health insurance, private health insurance, Medicaid and Medicare.

Talking about private health insurance, you need to buy it at a constant premium rate. In other words, you will not get any guarantee that your premium is not going to increase after the renewal of insurance policy. Publicly funded health insurance is basically a socialized health care routine wherein UK citizens pay for each other's medical health insurance policies. Medicare is tailor made for senior citizens who are facing problem in purchasing their prescription drugs. When applying for a major medical health insurance policy, you need to tell your insurance company about your past medical record. If you are suffering from any serious illness, you need to tell the insurance company about it in the initial stage.

How to get cheap medical insurance quotes ?

How to get cheap medical insurance quotes ?

In order to lower your medical insurance rates you need to do plenty of things. Most important being that you need to get cheap medical insurance quotes. No doubt, you will face loads of rejection when shopping around for cheap medical insurance quotes but once you manage to find insurance company that is willing to give you insurance policy on easy terms and conditions you will save plenty of dollars.To accomplish this task not only you need to work hard but also show some discipline.

As the competition is quite intense in the insurance market at present, there is a strong possibility that insurance companies will be more than happy to give you some discount. Some people commit a mistake of only taking quotes from two or three insurance companies.

Don’t do this, until and unless you take quotes from more than ten insurance companies you will not be able to understand the whole dynamic of the market. If your knowledge of medical insurance is a bit limited, you must take the assistance of your friends and family members who has an experience of dealing with medical insurance.

In some cases, they can also help you in finding the insurance company. Once you have taken quotes from more than ten insurance companies, next you need to study the offers of all of them.

Rather than just focusing on rates, you also need to take into account kind of coverage insurance company is offering you. Don’t ignore the insurance company that is willing to give you detailed coverage at a slightly higher rate. You may not believe at first but it’s true that getting detailed coverage at a higher price is a much better option as compared to a cheap insurance policy that is not giving you good enough coverage.
Internet can help you immensely in getting cheap medical insurance quotes. There is no point going for a medical insurance policy that is not providing you comprehensive coverage, as you will not get a peace of mind even after buying a medical insurance policy. The beauty of Internet is that you can get the quote from the comfort of your home.

Affordable medical insurance: Shopping around is the key

Affordable medical insurance: Shopping around is the key

To get affordable medical insurance, you need to shop around in the market and take quotes from at least ten or fifteen insurance companies. To start with, you need to find insurance companies that deals with medical insurance. This is not that tough, as there is so many companies operating in the market that offers medical insurance at affordable rates. If you are a bit short on time, you can also find insurance companies from the Internet. Your friends and family members can also help you immensely in this regard especially if they have recently buy a medical insurance policy.

Once you manage to find insurance companies next take quotes from these companies. As insurance rates varies from one insurance company to another, you will see that some companies are offering medical insurance at higher rates while some are giving you at lower rates. Companies offering medical insurance at higher rates normally gives detailed coverage.
This usually happens due to coverage.
On the other hand, companies offering medical insurance at lower rates does not give comprehensive coverage. Before buying medical insurance policy, make sure that you are getting detailed coverage. Because if that is not the case, you will face lots of difficulty in the long run. When you take quotes from more than ten insurance companies, you will get to know the exact market condition. This in turn will help you in making an informed decision.

Some people commit a mistake of overlooking coverage of medical insurance policy. This is not an ideal way because even if you manage to save some money in the form of rates, you will loose heavily on coverage front. If your knowledge regarding medical insurance is a bit limited, you can take the assistance of medical insurance broker. Not only medical insurance broker will help you decide on right kind of insurance policy but also ensure that rates are not too high. Read the terms and conditions carefully before signing agreement paper of medical insurance policy. You will not be able to modify the terms and conditions once you have signed and submitted it to the insurance company.

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.

Third Party Insurance

Car Insurance Laws

The first UK car insurance law dates back to 1930 which stipulated that any person who drives a car needed to possess at least third party personal injury insurance. Subsequently, the car insurance law came to be known as the Road Traffic Act (RTA), which asserts that :

Car owners are completely responsible for their car (even when someone else drives their car and is involved in an accident or injury).
The policy holder cannot allow any other person to drive the car unless they do not have a car insurance policy.
It is compulsory for vehicle owners to have at least third party insurance against liabilities.

Third Party Insurance, according to RTA, is a policy that car owners need to be insured for liabilities such as possible injuries to others. They also require the driver to be insured for possible damage to another person’s residence due to the use of a car on a public road or in other public places like parks, residential areas and private properties.

The terms and conditions documented in your car insurance policy holds a legal value in the court of law. According to the motoring laws of UK, the authorities such as the traffic police can request a driver to show car insurance coverage when needed. It should be noted that not producing the insurance policy is a legal offence.
It provides legal proof that your car has been insured and that you are wholly responsible for it.

Calculate your mileage

Calculate your mileage correctly to get the best budget car insurance : Calculating your mileage accurately can help you can obtain budget car insurance. The basis on which your premium is calculated is the mileage of your vehicle. If you are not using your car for commuting to work and instead using the public transport, your mileage will be lower. Mention this important piece of information to your car insurance company. This will enable you to negotiate a lower premium price.
Add an older person to lower your car insurance premium : An option for a cost effective car policy for younger drivers (17-25 years) is to include an older driver to their insurance policy. Premiums are lower for older drivers thus saving a young driver approximately ?45 on an insurance premium.
Buy third party cover car insurance : If you are on a tight budget, you can save money with third party coverage. As compared to comprehensive car coverage, third party cover is substantially lower and cheaper. This type of coverage is ideal for second hand cars, although third party coverage will not cover any kind of damage to your car or for any personal injury.

Purchase car insurance online : Obtaining car insurance online can get you 5%-25% in discounts on your policy. Buying car insurance the conventional way may mean that you are paying more because you have to compensate for a broker’s services. With online insurance you do not have to reimburse the broker, as it is a direct purchasing relationship between you and your car insurance company.

Avail budgets from car insurance companies : Whether you are opting for car insurance for the first time or renewing it annually, remember to inquire for discounts from your intermediary or car insurance firm. Most people forget to ask about discounts, consequently paying a higher premium.

Select niche car insurers : If you happen to own a classic car, it is best that you get its insurance from a niche car insurer. They have expertise in this field and will offer you a cost effective, tailor-made car insurance policy. Most of them even offer substantial discounts.
Install anti-theft devices : You can purchase economical car insurance policy by installing anti-theft devices. You can install simple devices like locks and alarms or get sophisticated anti-theft systems. Insurance providers are receptive to safety conscious drivers and offer lower premiums.

Green insurance

The green insurance offers green car insurance, eco-friendly car insurance, environmentally friendly home insurance, eco-friendly pet insurance and green breakdown cover.
Forest Carbon and The Green Insurance Company achieve first validation under UK woodland code
The Green Insurance company, along with Forest Carbon Ltd, are delighted to have gained the first ever validation of a UK woodland carbon project to the new Woodland Carbon Code.

Most people know that a homeowners or renter's insurance policy is crucial when it comes to protecting your home from a fire or other disaster. However, if you want to safeguard your valuables from the unexpected, there's another important document you may be overlooking: a home inventory.