Multicar Insurance Policies

Quick update on the multicar insurance sector…

Admiral insurance has operated a very successful multicar product for a number of months now. This policy enables you to insure multiple cars on one Admiral policy and receive great discounts. Importantly, more cars mean bigger discounts!

Admiral now has some stiff UK competition……..

Aviva Multicar Insurance
Their standard third party and fully comprehensive motor insurance policies seem to be popular with motorists up and down the UK. It would be no surprise to us at Homeapproved if their new Multicar insurance policy delivers equally impressive cover combined with competitive premiums.

Get the Aviva deal by insuring a second vehicle on their MultiCar policy.  The aim of this product is to deliver the flexibility and convenience you need to fit with your lifestyle!

Car Insurance Predictions 2012

Catch our aticle for UK car insurance predictions 2012!

Will we look forward to double digit increases in premiums in the new year?
What does the future hold for smartbox technology?
Car insurance FRAUD – Do you know how much this adds to your premium every year?

Click through and read on……………

1st Central Car Insurance

Homeapproved is pleased to announce the launch of 1st Central car insurance to our roster of the most important UK car insurance companies and providers.

This company specialises in driving down the cost of motor insurance in the UK. Great, competitive quotes for all driver and vehicle combinations, espeically for young drivers NOT looking to pay over the odds for their next policy!

1st Central Insurance provides cheap car insurance quotes and a high standard of customer service. Their UK based call centre is on hand to help you with your new motor quote. Policies can always be tailored to your specific requirements.

Shhh! – Keep Quiet If You’ve Had a Small Prang

Yes, if you’ve had a small prang; run over a pothole and damaged your wheel; or have a claim of less than £500 – why it’s better not to tell your car insurance provider.

Well you wouldn’t want your renewal premium to go up – would you!

Laid Up Car Insurance – A Change in the Law!

As of 20th June 2011, there has been an important change to UK car and bike insurance laws.

Continuous Insurance Enforcement (CIE) will become law in the UK, making it illegal to own a vehicle without it being insured (unless it’s registered as off the road with the DVLA – see below). You will sometimes see this being referred to as Laid Up Car Insurance.

The law seeks to address the rise in the number of uninsured vehicles on the road. According to the ABI, it’s believed that uninsured drivers add around £30 to the average insurance policy.

The most obvious to be affected are those with convertible cars and motorbikes, who may use them only during the warmer months and insure them only when in use. It also means that insurance is needed from the renewal date, regardless of whether the car or bike will be used or not.

The new vehicle insurance law – don’t be caught out
If you’re the registered keeper of a vehicle, it must be insured at all times.

The exceptions are:

• if you have made a SORN for the vehicle
• if your vehicle has been kept off-road since before SORN came into force on 31 January 1998 – unless it was brought back into use
• if your vehicle is recorded as stolen, passed or sold to the motor trade or between registered keepers
• if your vehicle is recorded scrapped or permanently exported by the Driver and Vehicle Licensing (DVLA)

Tesco Car Insurance – Supermarket Goes Into Battle

Supermarket wars have spread to the car insurance sector!

The continuing battle between Sainsburys and Tesco for our groceries pound has spread into the cut throat world of motor insurance. Whilst many shoppers show loyalty to one or the other of these two heavyweights, one imagines that brand loyalty is going to be tested to the full in the UK  insurance sector.

The Tesco Car Insurance offering plays on the image of the comnpany as delivering excellent value for money. In addition the company incorporates offers for Tesco Clubcard holders (in our opinion, the most successful loyalty card scheme).

Hot on the heels of Tesco motor insurance is the recently re-launched Sainsbury’s car insurance. Central to the re-worked offering is the partnership with RBS Insurance and the promises to give customers a saving of about 15% on premiums in the form of Nectar loyalty card points.

With the average price of motor insurance in the UK having risen by about 30% to £815 in the past 12 months it’s clear that both these two mighty organisations see the potential in delivering incentives to motorists that utilise possible savings through other parts of their business i.e. Buy our car insurance and get cheaper fuel or clubard vouchers for money off cineworld tickets!

Whilst fighting each other for the insurance pound it is clear their is also an opportunity to take business away from high street banks and specialised insurers, both of which have a somewhat tarnished reputations from the banking crisis (fiasco) and the spiralling costs of insurance! It will be interesting to see how it plays out – our money is on Tesco!

Co Op Insurance Car – Smartbox for Young Drivers

Our news page for June 2011 over on the main Homeapproved web site features the nifty ‘Smartbox’ from Co-op Insurance Car.

This concept from Co-Op has the objective of reducing motor premiums for young drivers who are tired of receiving outlandish quotes for new policies. These drivers quite rightly argue that they are safe drivers and should not be penalised for other youngsters who drive dangerously.

Think of Smartbox as a ‘Pay-How-You-Drive’ technology and you will be getting very close to the thinking behind this innovation from The Co-Operative. Smartbox was created by Cobra Limited – experienced in-car technology specialists. When you take out a policy with the Co-Op one of their network of professional installers will fit Smartbox into your car.

So attention all ‘SAFE’ young drivers then – if you are tired of motor quotes for your vehicle which are too expensive take a look at Co-Op Smartbox for a viable alternative. Beware though if you say you are a safe river then you need to be true to your word to get maximum benefit!

Beat That Quote and EU Anti-Discrimination Laws

Just a quick note to say how ridiculous the ruling by the EU is on the matter of unlawful gender discrimination by motor insurers. As the EU has now declared it is unlawful to have lower premiums for young female drivers over young male drivers, one now has to ask the following question:

Is it then also unlawful to have lower car insurance premiums for senior drivers (age discrimination) or disabled drivers (disability discrimination). What a ridiculous state of affairs! The EU – don’t you just love them – useless individuals, all of them!

Beat that Quote Acquired by Google
Google’s has recently purchased BeatThatQuote for a tidy £37 million. It is possibly true that Google’s strategy is to buy up verticals wherever they can, effectively positioning themselves to squeeze out competition later down the line. At some point, your bread-and-butter SERPs for ‘cheap car insurance’ or whatever isn’t just going to throw back the big names in the industry, but Google’s own products.

The team at BeatThatQuote think this deal is a tremendous opportunity for their company to develop new and innovative options for personal finance in the UK. The company is also confident that by combining BeatThatQuote.com’s expertise in UK financial products with Google’s technology, they will accelerate innovation in this field, benefiting consumers and the companies offering these products.

Debenhams Car Insurance

Another new entrant into the UK motor insurance market…. How many more brands are going to try their hand at making some money from insurance?

Ah well never mind, we see it purely as a case of bringing all of our readers the opportunity to check out the competitiveness of all providers, hence the latest launch of Debenhams car insurance.

• 5% discount when you buy online
• Courtesy car if yours is being fixed by an approved repairer (subject to availability)
• FREE windscreen repair
• Up to £5,000 personal accident cover
• Up to £100 personal items cover (excluding cash)
• Up to £150 audio equipment cover for self-fitted devices
• 24 hour insurance claims help line

Moneysupermarket Car Insurance

You might well have seen the adverts on TV fronted by such well known individuals as Peter Jones (Dragons Den) and (comedian)  Omid Djalili, now Homeapproved is pleased to announce that Moneysupermarket Car Insurance have launched with us!

Moneysupermarket.com car insurance service is ultimately user friendly. Its price comparison service is probably the fastest and most accurate available in the UK. Visitors to moneysupermarket.com can now get up to 120 car insurance quotes in under three minutes.

The website displays information in the clearest way possible, allowing customers to make a really comprehensive comparison, but it is also quicker and easier than ever to find a great deal which suits their requirements. Click thorugh and start saving today!