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Be Wiser Insurance Knowledge Base

Protected No Claims – Is It Worth It?
Monday 18th August 2014

No claims discount (NCD) is one of the biggest rating factors when it comes to motor insurance and building it up can lead to large discounts from insurers.


Motor Insurance – How Rating Factors affect your motor insurance premiums
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.

Driving Other Vehicles – What Exactly Are You Covered For?
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.


Motor Insurance and Driving Abroad
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.  


“I want any driver on my insurance policy – why is it so expensive?”
Wednesday 16th July 2014

Most motorists will have a fairly good indication of who is likely to drive their vehicle throughout the period of insurance and, in most circumstances, these individuals will be added onto the policy at inception.


Tips for those without any No Claims Discount
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 ext


Insurance: What does your occupation and industry say about you?
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 b


Motor Insurance - What Class of Use do I need?
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 etc .  Insurance companies condense these uses


Understand your Excess
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.


Is an Independent Insurance Broker Better Able to Deal With Your Insurance Requirements?
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.


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