Knowledge Base Categories

Insurance: What does your occupation and industry say about you?
Car Insurance Knowledge
Friday 27th June 2014
When applying for motor insurance, you will always be asked about your, or the proposer’s, occupation so the underwriters can calculate an accurate premium associated to the risk they believe you present.
What is a ‘Flash for Cash’ Scam?
Car Insurance Knowledge
Thursday 12th June 2014
This is a type of insurance fraud that is similar in nature to that of a ‘Crash for Cash’ Scam. It involves vehicles at a junction in the road. The criminal party will have right of way but will slow and flash their headlights to the innocent party – as if to allow them to merge with the traffic.
Motor Insurance - What Class of Use do I need?
Car Insurance Knowledge
Thursday 12th June 2014
Drivers can use their vehicle for a multitude of different purposes, from travelling to the local shops, driving to and from a work place, dropping off the children at school and more.
Understand your Excess
Car Insurance Knowledge
Thursday 12th June 2014
Insurance is all about managing risk.  One aspect of risk management by the insurer is the application a policy excess to ensure the policyholder shares in any loss. The excess is the first amount of any claim that is paid by the policyholder. 
Tips for those without any No Claims Discount
Car Insurance Knowledge
Thursday 12th June 2014
The impact that maximum No Claims Discount (NCD) can make to your yearly insurance premium is huge.  Motorists who have accumulated the maximum number of years NCD are keen to retain it and often are willing to pay an extra premium in order to protect it.
Motor Insurance – How Rating Factors affect your motor insurance premiums
Car Insurance Knowledge
Thursday 12th June 2014
Young drivers are normally analysed in 2 categories: 18-20 and 21-25, so a 21 year old may see a notable reduction in premium compared to when they were 20 (though age brackets used may vary). These reductions will continue as drivers move into lower risk age groups (though these reductions will become less noticeable). However the decreases in risk eventually reverse (according to the ABI data this occurs at the age of 71) at which point premiums tend to trend upwards.
Whiplash Claims: The Cost
Car Insurance Knowledge
Thursday 12th June 2014
The largest cost to insurance companies is the cost of claims. Motor insurers have not made an underwriting profit (a profit on the actual insurance they sell) since 1994.
A Look into the Future: Car Insurance for Electric powered vehicles
Vehicle Buying Knowledge
Thursday 12th June 2014
The world’s supply of fossil fuels is apparently continuing to dwindle and a growing consensus amongst motorists is to choose ‘eco-friendly’ cars with an increasing number of car manufactures  beginning to look into producing ‘green’ alternatives. 
Motor Insurance and Driving Abroad
Car Insurance Knowledge
Thursday 12th June 2014
UK motorists planning to escape the inclement British climate by taking their car onto the continent need to ensure they arrange the correct motor insurance for their trip.