Insurance Premiums

UNINSURED drivers aren't just a danger to your life and vehicle - they can cause serious damage to your wallet, too.

Term Life Insurance Policy That's according to recent findings from the Association of British Insurers, who claim that around a million drivers don't have insurance. What's more, as well as costing us lives, damage to vehicles and untold distress, these uninsured drivers are also costing us somewhere in the region of £40 per year on top of our insurance premiums.

fault, uninsured driver who is identified at the scene of the accident. Annual premium The insurance premium shown is the total estimate for all vehicles and drivers. These estimates are based on the information you've entered into our Quotemaker and do not include provincial tax or service charges if they apply.

Life Insurance While fully comprehensive insurance cover will get your vehicle repaired in the event of an accident caused by an uninsured driver, those repairs don't come without their costs. If you haven't paid to protect your no claims bonus, for example, you'll lose it (meaning a higher insurance premium next year), and you'll still be liable to the pay the excess on your policy.

Uninsured motorist coverage compensates you and your passengers for bodily injury if you' fault uninsured driver. In some provinces though, it is not included in the insurance policy itself. For example, Quebec has a special fund managed by the SAAQ, which compensates victims for bodily injury caused by an uninsured motorist or a hit and run.

Insurance Life Premium Pursuing a compensation claim through the Motor Insurers' Bureau, meanwhile, may well be successful - but you'll still have to pay the first £300 of your claim. Honest drivers who dutifully pay out for insurance each year can't seem to win. Or can they?

Shopping around for your auto insurance can benefit all styles of drivers, whether your driving history is excellent, mediocre or otherwise. Premiums for experienced drivers with no tickets, accidents or claims vary dramatically. And since tickets and accidents don't always have the same negative effect on your insurance premium, one insurer may increase your premium by 20 per cent after one speeding ticket, while another won't increase your premium unless you are convicted a second or third time.

Health Insurance Policy Unfortunately there's little you can do to lower the chances of being involved in an accident with an uninsured driver. You can, however, take steps which will reduce your chances of taking a financial blow as well as a physical one because of it.

Health Insurance 1. Take a note of the vehicle registration
Many drivers who know they are driving illegally will try to fob you off with false contact details if you're unlucky enough to be involved in a collision with them. A car registration number is harder to fake, however, so write it down, and also make a note of the make and model of the vehicle, along with any other identifying details.

Can I insure a provisional driver You can add up to two named drivers with uSwitch.com. Certain companies may not allow you to have a provisional driver on your policy, depending on their own criteria for insurance quotes. Other insurance companies may allow provisional drivers on policies, but will charge high premiums. Using the uSwitch.com calculator saves you calling different car insurers to find the best quote for you.

Insurance Life Premium Return 2. Ask witnesses for help
Anyone who witnessed your accident may be able to back up your claim against the driver, so take the contact details of any passers-by.

Whole Life Insurance Policy 3. Take pictures of the damage
If you happen to have a camera phone or digital camera with you at the time of the collision, so much the better: use it to take comprehensive pictures of the crash scene including both vehicles and registration numbers. If not, take pictures of the damage to your vehicle as soon as you have the opportunity to do so. If you have injuries such a bruising as a result of the collision, photograph this too, using the "date and time" function on your camera (if available) to help prove when the pictures were taken.

Auto Cheap Insurance 4. Protect yourself with a loss recovery policy
By adding a loss-recovery plan to your insurance cover, you'll protect yourself against uninsured losses, and make sure that your excess is covered in the event of a non-fault claim. Computer Quote Insurance's policy costs just £12 and includes discounted legal assistance, non-emergency medical treatment and 24 hour message helpline to notify your friends and family of an emergency. Details are available from www.computerquoteinsurance.com/legal_protection

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Author Resource Box:

Cheap Home Insurance Policy Computer Quote Insurance is one of the UK's leading providers of car, life and travel insurance online. Instant quotes are available from the company's website at http://www.computerquoteinsurance.com, or by phone on 0800 389 9949. Established in the South of England since 1979, Computer Quote Insurance offer low rates, customer-friendly approach and polite, prompt service to UK motorists. Computer Quote Insurance: by branch, by phone or buy online.

Home Insurance Article written and distributed by http://www.custom-copy.com

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