Kamis, 15 April 2010

auto insurance premium: Learn more about getting a Free Quote Online

Are you tired of the service your current Auto Insurance is providing? Do you want to get the lowest price possible with a company that still provides great customer service? Get a comparative quote from our trust partner Home Town Quotes, who have been offering comparision quotes in the industry for over 10 years!
What you Get

By requesting a free quote, you will recieve comparative free quotes from serveral auto insurance companies of your choosing. You will only be asked a few required questions to accurately determine which company suits your needs.
Why Get a Free Quote

Every auto insurance company calculates their insurance rates differently depending on many different rating factors. Although you may be paying a lower rate now with your current company, a different company may still offer you a even lower rate.
No Obligation

You are never at any time obligated to purchase a policy from any company.
Sensitive Data

You will only be asked for the minimal amount information about your driving history is needed to give you the most accurate quote. Sensitive information such as social security or credit card information is not required for a free quote.
100% Secure

All information you enter is secured with a 128 bit SSL encryption, so none of the information you entered will be tampered with, nor shared with any other company
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You can Click Here to get started!

Rabu, 14 April 2010

No Claims Discount

Accumulating a no claims discount significantly reduces the cost of you car insurance premiums. So how does this bonus system work and what benefits does it bring.

The theory behind no-claims discounts

Car insurance premiums are based on an assessment of risk - the lower the risk you pose to the insurer the lower your premiums will be. If you have never made a claim before or you have driven for several years without making a claim then a car insurance company is likely to see you as a safer driver and as such will charge you less for cover.

Effectively you are rewarded for not making a claim through a no claims bonus which reduces your premiums. Your discount is usually calculated as a percentage of your premium and can be built up year after year up to a certain limit - usually 65 - 70%.

How does a no-claims discount work?

Every car insurer will calculate a no-claims discount in its own way. Generally there will be a no-claims bonus schedule that indicates how much discount you are likely to receive. The maximum number of years you can build a discount for will also vary, but will generally be set at five.

So, as an example, you may earn a 10% discount for being claim free for one year; a 20% discount after two years; 30% after three years; 50% after four years; and a maximum of 70% after five years.

As the savings that can be made with discount car insurance are considerable, many insurers offer protected no-claims bonus schemes so you can effectively 'insure' your discount. This means that you can make one claim (or possibly more depending on the insurer) within a given period, for example two years, without losing the discount you have already built up. Opting to protect your no-claims bonus will usually be marginally more expensive than choosing not to protect it but that could be a premium worth paying if you do have to make a claim.

How can you build up a no-claims discount?

In addition to offering a financial incentive, a no-claims discount is an incentive to drive safely. By concentrating on your motoring and not driving recklessly you increase your chances of avoiding a car insurance claim and therefore building a discount.

As an incentive to new drivers, many car insurers also offer rapid bonus schemes. This allows young drivers to earn a full year's no-claims discount in a shorter period - such as nine or 10 months. Rapid no-claims bonus schemes are designed to help young drivers bring their premiums down.

Minggu, 11 April 2010

Commercial van insurance tailored for your business

Commercial van insurance tailored for your business

Covers for your business

Get a flexible business policy,
choose from these covers:

Public liability (to £10m)
Employers liability (£10m)
Professional indemnity
Tools cover
Contract works
Own Plant cover
Hired in plant cover
Business premises
Business equipment
Revenue protection

More business vehicle covers

Breakdown insurance
Company car insurance

Commercial van insurance is an important part of your business insurance portfolio and is an important way of protecting your business financially.

Keeping your business insurance policies and their associated documentation in one online location makes good sense and it’s also easier if you need to make a claim. With Simply Business, all your policies are stored in a secure online account which can be accessed at any time.

Compare Quotes

Buying van insurance with Simply Business

  1. Build your tailored policy using our simple form
  2. Compare quotes from a range of trusted insurers
  3. Choose a quote and buy it online
  4. Speak to our UK insurance team if you get stuck
  5. Receive your documents online instantly

What will your van insurance cover?

We’ve gone the extra mile to make sure the van insurance we offer is great value for your business.

  • We offer third party fire and theft as well as comprehensive cover
  • Had a claim or conviction? In most cases we can still quote you
  • We offer ‘any driver’ cover for those drivers aged over 30
  • We cover a wider variety of trades, including couriers
  • Our insurance extends to van drivers in Northern Ireland