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Car Insurance For 18 Year Olds-Cheap Car Insurance for 18 Year Olds ? The Final Driving Lesson for Young Drivers

admin — Thu, 10 Mar 2011 06:23:53 +0000

Cheap Car Insurance for 18 Year Olds ? The Final Driving Lesson for Young Drivers

Just as learning to drive a car can be an exciting experience, finding cheap car insurance for 18 year olds can be an equally challenging task for a young driver. Most young drivers would rather conveniently forget the need for insurance on their cars as they graduate as certified drivers from their respective driving schools. But is it really that difficult to find out good and cheap car insurance for 18 year olds? Certainly not.

Doting parents and careful drivers need not be told the importance of having an insurance done for their vehicles as they hit the road. Insurance companies are also willing to go the extra mile to help provide low cost auto insurance for 18 year olds since most of their prospective customers come from this category. Students and young drivers do not like the hassle of filling up registration forms since they are rearing to go but they need to be told that this aspect of driving is of critical importance. The most important fact is that not all insurance companies provide cheap car insurance for 18 year olds with the same features and benefits as they do for older drivers.

Just as learning to drive a car can be an altogether inimitable experience of a lifetime, for most young drivers it is rather difficult to choose which cheap car insurance for 18 year olds best suits them. Insurance premium is generally high for the first year of insurance but it gradually decreases from the second year onwards. It is therefore imperative for the young drivers to be aware of the fact that insurance premium will not necessarily be cheap from the first year itself, but in the long run with added features like attractive no claim bonuses and added incentives, a good car insurance company can provide low cost auto insurance for 18 year olds .

With internet now becoming an important source of information, any good driver would be advised to browse through the net to get more information on the availability of cheap car insurance for 18 year olds. Most websites give out good tips on how to obtain a best deal for a young driver before choosing the insurance policy for his car. It is important to remember that insurance is one important component that cannot be kept on the backburner while a young driver is revving up and shifting gears.

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Temporary Car Insurance For Young Drivers-Who Is Covered When Driving a Car?

admin — Wed, 12 Jan 2011 07:12:05 +0000

Who Is Covered When Driving a Car?

Who Is Covered When Driving a Car?

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Home Page > Business > Who Is Covered When Driving a Car?

Who Is Covered When Driving a Car?

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Posted: Oct 25, 2009 |Comments: 0
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As with any type of insurance, certain rules exist regarding who is entitled to the car insurance coverage that has been obtained for a single vehicle. For UK drivers, the rules are clear and typically followed across the board by all UK insurers. In general, the policyholder and his named drivers are insured under the car insurance cover held by the policyholder. Who can be listed as a named driver? What about unnamed drivers? Can they be covered with the policy? Are there any opportunities to add a temporary driver to the coverage?

Named Drivers

Named drivers are those who share the vehicle with the policyholder. Typically, these drivers are family members who are sharing the expense of the vehicle in order to save money on the vehicle tax and the cost of petrol. Since these drivers are all driving the same vehicle, only one car insurance cover must be purchased. However, each additional driver must be listed in order to be insured by the policy. Hence, any additional drivers who are listed on the policy are referred to as named drivers. Anyone who is not listed is not covered by the insurance unless Short-Term Insurance cover or cover for unnamed drivers has been obtained.

How Many Additional Drivers Can Be Listed on a Single Policy?

Most insurers allow a maximum number of additional drivers to be included on a single car insurance policy. While this number does sometimes vary from one insurer to another, four additional or named drivers are typically allowed.

Unnamed Drivers

When the policyholder gives permission to individuals to drive his insured vehicle who are not listed on his car insurance cover, they are referred to as unnamed drivers. An additional fee or increase in the premium is typically charged to anyone who wishes to include this aspect in their coverage.

Is There an Advantage to Adding a Good Driver to Your Car Insurance Cover?

As most drivers are aware, young, inexperienced drivers typically pay more expensive costs for their car insurance cover than older, more experienced drivers with good driving records. Therefore, it follows that adding someone with a good driving history and a No Claims Discount to their car insurance cover often reduces the cost for the young driver. Since this might not always be the case for every insurer, it is important to ask around first.

What About Short-Term Insurance Cover for Temporary Drivers?

Most insurers have an established policy regarding temporary drivers and car insurance cover. This issue might arise when friends or relatives come to visit for several days, weeks, or months. Quite often, the individual with whom the friends or relatives are staying will allow them to borrow and drive his vehicle. Most insurers offer Short-Term Insurance Cover for temporary drivers in this situation.

Referred to as Short-Term Premium Rate or STPR, Short-Term Insurance Cover provides the opportunity to temporarily add a driver or drivers to the insurance cover for a fee. This fee is generally more expensive than those offered with conventional insurance covers.

Intro: Is everyone who drives your vehicle covered under your car insurance coverage? If not, who is?

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Temporary Car Insurance For Young Drivers-Who Is Covered When Driving a Car?

admin — Tue, 04 Jan 2011 19:15:17 +0000

Who Is Covered When Driving a Car?

Who Is Covered When Driving a Car?

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Home Page > Business > Who Is Covered When Driving a Car?

Who Is Covered When Driving a Car?

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Posted: Oct 25, 2009 |Comments: 0
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Named Drivers

How Many Additional Drivers Can Be Listed on a Single Policy?

Unnamed Drivers

Is There an Advantage to Adding a Good Driver to Your Car Insurance Cover?

What About Short-Term Insurance Cover for Temporary Drivers?

Intro: Is everyone who drives your vehicle covered under your car insurance coverage? If not, who is?

Retrieved from “http://www.articlesbase.com/business-articles/who-is-covered-when-driving-a-car-1378922.html”

(ArticlesBase SC #1378922)

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kevin Kuper -
About the Author:

Kevin Kuper is a keen writer about car insurance and home insurance products.

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What are good all wheel drive cars ?
What is the best way to wash my camaro car cover to get the black soot off of it from the rear exhaust?
Does insurance cover car or driver ?

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Temporary Car Insurance For Young Drivers-Drunken Driving ? Will This Be Covered In Your Car Insurance?

admin — Fri, 05 Nov 2010 19:12:22 +0000

Drunken Driving ? Will This Be Covered In Your Car Insurance?

Drunk drivers causing accidents have increased day in and day out. Whether they do it during festive season, public holidays or any other day, it is just increasing day by day. Many are unaware that most of the car insurance companies do not cover accident compensation in a state of inebriation (drunken state). Just imagine how heavy it can be on your pocket to get your car repaired from your own money despite of diligently paying your car insurance premiums on time. In addition to this, the legal consequences you need to face, the penalty you need to pay and the imprisonment of 6 months to 1 year…

Young drivers are completely ignorant about this. They are under the assumption that if they do some harm to another person while speeding away in their vehicle in a drunken state, their auto insurance company will pay them. Little do they know it will cost them their life!

Compensation will be paid to you on these grounds:

Firstly, you must have a valid driving licence.
Secondly, you must not have driven under the influence of drug or alcohol
Thirdly, it should be proved that you have done the mistake and only then the company will pay a compensation to the injury caused by you. An injured person cannot claim anything from the company, if he himself is at fault and not the car driver.

Do not do this mistake and have a criminal record in your name. It is in your hands to prevent it. If you really had to drink in a party just to be a part of the social gathering and give company to your friends, make it a point you don’t drive. Ask your friend or your spouse who has not gulped down a peg to drive you home, take a drop in your friend’s vehicle or go by a cab. Not only your insurance but also Road Accident Fund can refuse to pay out claims resulting from a drunken driving accident. Companies can even refuse to continue your insurance cover as they look at you as a high risk case and you are more prone to such accidents and health hazards too (due to alcohol consumption).

A high risk driver may end up paying a higher insurance premium if the company gets to know about his drunken driving and its impact on others. You may lose out on your driver’s license too thus withdrawing all your chances of applying for an insurance else where.

Vijay Koragappa Shetty, Expert author in the field of insurance. For more information on: One Day Car Insurance

Get more information on: Car Insurance Short Term

7 Day Car Insurance-One Day Car Insurance ? The Most Convenient Insurance Cover for Driving A Borrowed Car

admin — Sat, 31 Jul 2010 07:07:03 +0000

by guano

One Day Car Insurance ? The Most Convenient Insurance Cover for Driving A Borrowed Car

The car insurance industry is now becoming more and more competitive. Till a few years ago we never heard of temporary car insurance or short term car insurance for that matter. A car on the road was supposed to be insured by the owner of the car and there were no insurance related issues for the person taking a car on hire or borrowing the car from a friend. But with cut throat competition coming in the industry, the insurance companies are offering short term and temporary car insurance facilities to the user of the car. Insurance is now moving base from being the owner’s prerogative to being a driver’s prerogative. So much so, that if you plan to take a car on rent from a car hire company or use your friend’s car for a day, you can also go in for one day car insurance policy.

In what way does a one day car insurance policy differ from the usual annual insurance cover? In the first place, the insurance is a major facility available to those who need a vehicle to be on the road for one day. This saves worrying about accidents and compensations. While it is necessary to ensure that the car is mechanically sound to prevent accidents, it must be remembered that most accidents happen because of the person driving the car and not because of the physical condition of the vehicle. The laws require that any vehicle to be on the road must be covered by insurance. This is taken care of by the short term or temporary car insurance covers that are available.

The most important advantage of a short term car insurance is to the insurance company. Unlike the normal insurance policy, a one day car insurance cover is costlier. These types of insurance are costly because in the event of a major accident, the loss is borne by the insurance company. Also, persons taking cars on hire or from a friend prefer if the car is already covered under an insurance policy to save them the exorbitant costs.

One day car insurance quotes are also available online. All that the person intending to take such a cover needs to do is to click on the quotes available from a major insurance company and fill up the details. Spot quotes are generally given. It is possible to compare the quotes and then select the best insurance quote that fits in the budget.

Simply visit www.volunteerincamdencounty.org to get more detailed information about one day car insurance and receive car insurance quotes for easy comparison!

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24 Hour Car Insurance-Car Insurance: Enjoy a Happy Driving Life

admin — Fri, 16 Jul 2010 07:13:10 +0000

Car Insurance: Enjoy a Happy Driving Life

You have invested huge money for buying a car and now you are enjoying driving it for long hours on the road. But, are you sure that you always do a safe driving or nothing will happen to your car. This is really a tough question and nobody can answer it. That is why; we all need car insurance because anything can happen on the road.

You can avail some kinds of car insurance for your safety and your car’s safety. The various plans of car insurance are tailored to make sure that you don’t need to spend your savings in case any bad thing happen with your car like theft, fire, vandalism, on road accident etc. Generally, there are three levels of cover for car insurance which are comprehensive insurance cover, third party fire & theft car insurance and third part insurance.

All the above car insurance covers secure your car against fire, theft, attempt of theft, vandalism and road accidents. The insurance benefits may vary from company to company. You can check the quotations of various insurance companies over the Internet. Just provide some general information like model of your car, your age etc. and get the insurance quote free of cost. The Internet is highly useful for this purpose.

Here, I am trying to provide knowledge about some car insurance benefits which are multifaceted. You can opt for lifetime guarantee on all paint and bodywork repairs or a free courtesy car while your car is being repaired in their recommended garages. Most of the companies provide 24 hours insurance claims helpline. You can do any complaint, you can ask for any suggestions or you can call for the repair assistance on road any time you want.

With these services various additional services are also available with car insurance. Some companies cover for personal belongings, car audio, clothing etc. So, if some vandalism results in the loss of some of your valuable items then you can claim for it. Sometimes, you also can get cover for medical expenses, post-accident counseling or legal advice. Apart from these benefits you are getting one more benefit which is peace of mind. Car insurance is important for these benefits and it is worth getting.

The author is an expert in car insurance, breakdown cover, van insurance and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.

Temporary Car Insurance For Young Drivers-Temporary Car Insurance for under 21 ? Beginners? Insurance Policy for Driving Safely

admin — Sat, 22 May 2010 07:13:56 +0000

Temporary Car Insurance for under 21 ? Beginners? Insurance Policy for Driving Safely

Car insurance is a legal necessity. All states may have different statutes governing this but one thing is common, if you do not have an insurance cover for your car and still plan to put it on the road, you are inviting trouble both for yourself and your car. The car can be confiscated and the penalties are severe. In view of this, temporary car insurance for under 21 drivers and students is a new offering from most insurance companies.

Unlike the normal insurance policies, temporary car insurance for under 21 drivers is just a basic insurance policy that has a bigger premium price. Accidents being the top priority in such insurance, the risks involved are carefully studied and accordingly premium pricing is done. These are available for young students and drivers who are just learning to drive a car and would love to hit the road the moment they get an opportunity. Insurance companies study the accident records of these young drivers and accordingly set up an insurance quote. Past accident history is therefore very important while declaring facts for obtaining an insurance quote. The bigger and more frequent the accidents, bigger would be the premium pricing.

Temporary car insurance for under 21 is as the name suggests very temporary in nature. As the driver matures and gets on the road with more experience, the insurance premium costs also reduce and come down to normal levels. Some companies also provide for no-claim bonuses for those young drivers who have no records of an accident while driving their cars during the period of the insurance coverage. There is also a rider to this insurance coverage. Apart from the fact that age is of prime importance, if the driver is driving a high end car as compared to a lower end vehicle, the insurance premium costs also escalate. Cheaper the vehicle lower is the premium. Hence it is often advised to young drivers to start their driving experience with second hand low-end cars and move on to better automobiles as they mature on the road.

Accidents and risk of accidents are the prime criteria for this type of insurance. Temporary car insurance for under 21 year olds is just a basic insurance that aims at meeting state legal requirements and also provides adequate coverage to the driver and the car along with the normal coverage to public and property.

Simply visit www.somefolk.org for more detailed information regarding temporary car insurance for under 21. Comparing quotes is the only way to find the best deal on auto insurance. Start to compare auto insurance quotes online and find low cost auto insurance today!