Knowledge Base Categories

Is an Independent Insurance Broker Better Able to Deal With Your Insurance Requirements?
Car Insurance Knowledge
Monday 21st July 2014
There are over 34million registered vehicles and 25million homes in the UK, which means that at some point in the near future it will be that time of the year when you have to think about renewing your insurance.
Driving Other Vehicles – What Exactly Are You Covered For?
Driving Knowledge
Monday 21st July 2014
The driving other cars extension on a private car policy is one which allows the policyholder to be covered whilst driving a car which is not owned by, registered, or leased to them under a hire purchase agreement.
“I want any driver on my insurance policy – why is it so expensive?”
Car Insurance Knowledge
Wednesday 16th July 2014
Be Wiser Insurance conducted research into the difference in cost of having an ‘Any driver’ insurance policy and then compared it to having 3 named drivers and also having just the policyholder. The results have revealed that the insurance premium can increase by 198%.
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.