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Car
Insurance FAQs By Joseph
Kenny
Can
I insure a modified or classic car; who will offer insurance
cover?
Yes,
you can insure a modified car but because your car is a specialist
car, not all auto insurance companies might be willing to
provide coverage for it since it requires high price replacement
parts and also skilled labor if the car is involved in an
accident. Thus, you have to take a special car insurance that
is designed especially for modified and classic cars.
How
can I cut down my car insurance premium?
If
you wish to cut down on your car insurance premium you must
take care of a few things. Park your car overnight in the
garage rather than leaving it on the drive. Fit insurance
approved anti-theft devices; consider Third Party Fire and
Theft for older cars. Find out discounts offered by the insurance
provider when requesting quotes. Young drivers (under 25),
who are often charged extremely high premiums, should have
an extra driving course certificate.
What
is 'excess'?
It
is the amount you have to pay when you make a claim for the
loss or damage to your car. It can be voluntary or compulsory.
If someone else causes the accident you may be able to reclaim
the excess through the legal cover, which can be taken out
with your car insurance policy. Otherwise you lose the excess.
Voluntary excess is the amount you agree to pay to the company.
It offers premium discounts. Compulsory excess is generally
imposed to young drivers. Because their risk factors are high
and the companies don’t want to insure them. So, in order
to insure, they have to surrender with this payment.
What
is legal cover?
It
provides expertise and assistance required to recover uninsured
losses such as medical costs, loss of earnings and excess
payments where the fault was not yours. It is available as
an optional with most car insurance policies.
Can
an insurance company cancel my auto policy?
Yes,
you auto insurance policy may stand canceled if you fail to
pay the premium or if your consumer's license has been suspended
or revoked during the term of an auto policy. Also, if there
is a fraud or serious misrepresentation when completing the
insurance application, if the you are convicted to a crime,
or if changes are made to the property that increase the risk
of loss then the company may cancel your insurance policy.
Joseph
Kenny is the webmaster of the insurance site http://www.insure121.com/
where you will find information, news and links to the leading
providers of car
insurance in the UK.
Article
Source: http://EzineArticles.com/?expert=Joseph_Kenny
The
information supplied on this page is by a third party and
jml Property Services do not take any responsibility to its
accuracy ©jmlpropertyservices01/06
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