Insuring your car - Some final words of warning

Remember that filling in a proposal form does not mean that you are insured.

The company is not liable to pay any claims you may put in until it has formally accepted you as a policyholder.

You should not drive unless you are sure you are covered.

Beware vehicle insurance which looks cheap. In the past many thousands of policyholders have lost their cover when companies with which they have insured have collapsed.

They have invariably been companies offering very cheap rates. Some loopholes here have been closed, but it is still a dangerous area.

Check carefully to see what your policy does not cover.

There are always limits and exceptions. This can include any liability for the death or injury of any employee of the policyholder, any liability beyond the requirements of the Road Traffic Acts for any car which you own, or which is being bought on hire purchase which you have not told the insurance company about, any liability if the driver is disqualified from driving or has not got a valid licence. So check these carefully before you finally take out the policy.

They will be called exclusions or `exceptions.

Think about whether to take advantage of an excess clause in a policy.

Under this the driver agrees to pay the first slice of the cost of repairs and as a result premiums can be considerably reduced.

By agreeing to this, the owner can often afford comprehensive insurance, which he might not have otherwise been able to afford.


Drink driving

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: Protected travel

Remember that filling in a proposal form does not mean that you are insured.

The company is not liable to pay any claims you may put in until it has formally accepted you as a policyholder.

You should not drive unless you are sure you are covered.

Beware vehicle insurance which looks cheap. In the past many thousands of policyholders have lost their cover when companies with which they have insured have collapsed.

They have invariably been companies offering very cheap rates. Some loopholes here have been closed, but it is still a dangerous area.
Protected travel