As the market is getting more & more saturated with insurance suppliers and comparison sites, the decision to purchase car insurance and ensure you are receiving the best deal is getting harder.
Our site worker with specialist brokers who aim to provide a hassle free easy to digest quote. We understand that some users do not feel the need to be contacted and wish to have a instant online process.
We can provide a you with instant online cover through our get a quote and buy online option.
Latest Article
Rise in whiplash claims leads to motor policy reform Posted on : 04/05/2012A leading motor insurer has revealed that insurers have spent over £2 billion last year on whiplash injury claims, which has lead to figureheads of assessing the process in which people can claim for the injury. The AA's report found that claims for whiplash have contributed to the largest vehicle insurance premium rises recorded in the past two years. The average quote for a comprehensive policy during that period has increase by almost 50%. In response to these shocking figures, the government is expected to lay out measures that will eliminate any false injury claims and hold a summit on the matter. Justice Secretary Kenneth Clarke has said the reform plans "will aim to make it faster, cheaper and simpler for valid injury claims to be dealt with through small claims court and to deal with questionable medical evidence." According to car rentals.co.uk, the proposals are due to be outlined in a consultation this summer and will also include consulting on how feasible it would be to introduce independent medical panels. The experts wouldn’t be directly linked to either the defendants or claimants and would replace the current doctors or GPs who assess whiplash injuries but are employed by medical reporting organisations. Doctors can get an up to £195 fee to process the claims, while some have regular clients to solicit for them. Additionally, it’s been proposed that the limit for personal injury cases in small claims court be raised from £1,000 to £5,000. Justice Secretary Kenneth Clarke said:
"The government will strongly encourage insurance companies to pass the savings back to consumers. It’s scandalous that it’s cheaper for insurers to settle a fake whiplash claim out of court than defend it. This system has created the quick rise in insurance premiums for honest motorists. The reforms will end this."Transport Secretary Justine Greening said:
"A lot of progress has been made in reforming and improving the motor insurance system. They have started to take some of the costs out, especially those related to whiplash claims. The changes, so far, should take about £1 billion a year out, while they have barred referral fees and reformed the no win, no fee system. The next thing she wants to do is talk to the insurance industry about how to help young motorists, who are facing skyrocketing premiums."Director of AA Insurance Simon Douglas said:
"I hope the government’s announcement will mean a tough timetable is applied to reforming the civil litigation that encourages motorists to make a claim, whether or not their injuries were serious or if they even suffered an injury at all. They need reforms to get a grip on personal injury and cold-call claims management firms – who are contributors to the increase in claims. The dysfunctional system being used now has also resulted in a deceptive cash-for-crash industry worth millions of pounds."However, speaking to rentals.co.uk, Association of Personal Injury Lawyers (Apil) president Karl Tonks said:
"Whiplash is real, can be long term and can’t be trivialised. The government has to have a wider debate about the real problems and hold the insurance industry accountable before announcing proposals that risk banning genuinely injured drivers from making legitimate claims. I'm concerned that all the talk about whiplash claims has meant everyone is being tarnished. There’s an increasing trend of insurance companies offering cash to claimants before a report has been received from a physician – all to save costs."Car insurance premiums finally begin to fall Posted on : 20/04/2012
Car insurance premiums are finally on the decrease after a year on year of rises, according to new statistics released today. At the end of last month, the average cost for an annual comprehensive insurance policy totalled £816 - making now a better time than ever to explore competitive car insurance deals. Average premiums for women fell by 3% year-on-year, reducing the cost for a comprehensive policy to £751. While men saw an average decrease of 1.8% to £869, some young male drivers are shelling out in excess of £5,000 a year for comprehensive cover. However, despite the falls, premiums are still 33% higher than at the same time in March 2010. Andrew Goulborn, commercial director of Tiger, said:
"Tiger Watch gives the one of the earliest indication of movements in car insurance pricing and the March 2012 results show that market competition is helping to keep premiums stable. However, this comes after a period of high inflation in 2010 and early 2011 – looking at the longer term picture we can see that average March 2012 prices are actually some 33% higher than the average that we recorded two years ago."The most expensive comprehensive policy – at £5,530 – was for a male driver aged between 17 and 20 living in the Manchester and Merseyside areas. The dearest for a woman was £3,181 in inner London.