Insuring your car - how it works per driver

Every driver will have to decide after minor damage to his own or someone elses car whether it is worth losing his discount, especially if he has reached the top limit. Companies don't generally completely penalize a driver, if he makes one claim after several years.

A 60 %discount may drop to 50 %after one claim, a 50 %to 40 and so on, and the breakage of windscreens and windows is usually provided for in a comprehensive policy without affecting the discount. In some cases companies give a 25 %discount to new car owners over a certain age, provided that they have held a full UK private car driving licence for a period of twelve months.

Even very young drivers who have only just passed their tests may be offered small discounts up to 20 %if their parents are already holders of policies with the company.

No-claims discount is allowed on motorcycles as well as cars, but it is much less generous. A 10 %discount is normal after one year free of claims. Look first at a typical proposal form for a motorcycle.

The one opposite is reproduced by permission of Norwich Union Insurance.


How it works per driver

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: Insuring your car - process online

Every driver will have to decide after minor damage to his own or someone elses car whether it is worth losing his discount, especially if he has reached the top limit. Companies don't generally completely penalize a driver, if he makes one claim after several years.

A 60 %discount may drop to 50 %after one claim, a 50 %to 40 and so on, and the breakage of windscreens and windows is usually provided for in a comprehensive policy without affecting the discount. In some cases companies give a 25 %discount to new car owners over a certain age, provided that they have held a full UK private... see: Insuring your car - process online