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Be Wiser Insurance Knowledge Base

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.

How Car Insurance Groups are assessed
Thursday 12th June 2014
One of the most important rating factors in motor insurance is the car itself. There are thousands of different vehicle variations on the road and having so many vehicles to rate would be extremely complex. In order to simplify things the ‘ABI Group Rating Panel’ created a system of group ratings for vehicles which puts all of these cars into one of 50 groups according to the risk that they present to the insurance companies. This group system had previously been simpler – there were only 20 groups before this and have been as few as 7 groups in the distant past.

European Cover: The facts
Thursday 12th June 2014

Many of us consider driving our cars abroad, but do you really know what insurance cover you have when you drive through other countries?

Purpose and use of the Certificate of Motor InsurancePrimary
Thursday 12th June 2014

Of all the documentation issued by motor insurers, the Certificate of Motor Insurance stands alone as the most important document.  Its primary purpose is to provide evidence that at least the minimum level of insurance c