Static caravan insurance

If you are an owner of a static caravan holiday homes you should consider insurance to cover the caravan as well as the contents. There are two levels of insurance for your static caravan; the static caravan itself and the contents within the caravan.

Insuring the static caravan will cover against loss or damage to the static caravan itself. The insurance can extend to a new for old policies were the caravan can be replaced with a new model should it be damage to an extent which is beyond financial repair. If this is the case some insurance companies will replace the static caravan if it is under 20 years old. The age under which new for old applies will vary from policy to policy. Some companies will only offer new for old for caravans which are less than 10 years old. It is worth checking with the insurance company to determine their exact terms of policy.

The content can be insured under a general policy where by a value is given to the entire content. If you have individual items which are valuable the insurance can also be taken out against such items to given suitable cover.

Below are examples of cover:
Replace new for old
Alternative accommodation costs
Debris removal and resiting costs
Fixtures and fittings
Public Liability
Fatal Accident

Consideration should also be given to the excess which applies to the policy as this will vary from company to company. Also check the policy details to determine the new for old cover and additional cover offered.

When obtaining quotes ensure you receive at least three, the more quotes you obtain the more likely you are to achieve good value for money. Getting quotes online can be a quick and simple method to obtain multiple quotes.

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Cheap Car Insurance Company – A Little Help To Make Your Rates A Little Cheaper

Is there really such a thing as a cheap car insurance company? Cheap and car insurance don?t seem to be soul mates of compatibility. Insurance has a lot of responsibility and a lot of expense. I?m not sure that cheap can ever happen unless the whole world stopped having accidents. Reasonably priced might be your best alternative description when looking for low cost car insurance. A lot of people consider car insurance a necessary evil until they have to use it and then the attitude begins to change. Insurance is one of the most humanitarian legal agreements you will ever purchase. We are really all collectively covering each others assets. That is the purpose of insurance. It is society protecting itself from itself. Alright, that was our little mental health talk about insurance. How do we get the lowest rate?

Cost Savings Ideas

1. Buy Multiple Policies ? Auto and Homeowner policy combinations always give you discounts. Auto and renter policies do the same.

2. Buy Higher Deductibles ? low deductibles are a thing of the past. High deductible insurance is now known as self-insuring. Higher deductibles of %500 or more make a lot of sense because the savings year in and year out will save the insured thousands of dollars over the lifetime of the policy.

3. Take limited Tort ? If you are in a state that has tort options then you can discount your overall policy 20%PRCTG% or more by choosing limited tort. The tort option is your right to sue for pain and suffering. This is additional money awarded you for the inconvenience of the accident. You may have lost three months work. The suffering and time spent on rehabilitation are what this option is all about. Limited Tort allows you to sue for a limited amount of injury and suffering. These limits are state specific. Contact your agent or insurance company for definition of full tort and limited tort.

4. Non-Stacked Uninsured and Underinsured Motorist Coverage ? Stacked coverage will add up. Every car that you own is multiplied by the base limit. Buy non-stacked and save money. Make sure that your base amount is adequate.

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Understanding Your Auto Insurance

Reading auto insurance policies can be like trying to decipher advanced calculus. It’s really not that difficult if you understand a few basic terms. Collision, Comprehensive, Bodily Injury Liability and Property Injury Liability are the main terms you need to fully understand.

You’ll appreciate Collision Coverage in the event you need repairs or replacements if your vehicle collides with another vehicle or property. The higher the deductible you elect, the lower your premiums will cost you. If you’re at fault for something, well of course it would still be an accident, as I doubt you’d plan to run into that guard rail, but how much would you be able to afford to pay out of pocket for repairs? %250? %500? %1,000? Just like medical insurance, you’d have to pay that deductible amount first and then the insurance company would pay for the remaining charges for the repair.

Another term to become intimately familiar with is Comprehensive Coverage. This is the coverage that pays for damage caused from falling objects, fire, certain natural disasters, theft and vandalism. Deductibles work the same way as with Collision; the more out of pocket costs to you, the less your insurance premium.

In addition to knowing how much Collision and Comprehensive coverage you have, you’ll want to know about your liability coverage. Let’s say you rear-end another driver. Or your foot slips off the brake onto the gas pedal and you plow down a mailbox. Your liability coverage will kick in and pay for the damages that you caused with your insured vehicle. You liability coverage will, or could, include bodily injury (people) and property damage.

You don’t want to go without Bodily Injury Coverage. If you were at fault in an accident and others involved needed to go to the hospital and/or lost wages from missing work, those costs would come out of your pocket if you are not insured with Bodily Injury Coverage. It doesn’t take a genius to know how quickly those amounts can add up. This type of coverage can also help you in the event the other party takes legal action against you. Many states require you to carry Bodily Injury Coverage.

The other part of liability includes Property Damage coverage. Can you imagine how much it might cost should you accidentally drive into the side of someone’s home? You wouldn’t want to be caught without property damage insurance should you need to pay for repairs to another vehicle, building or anything else you might hit. As with Bodily Injury coverage, Property Damage coverage also helps protect you in the event of a related lawsuit.

Every policy will have its limits and various degrees of coverage. It’s important that you understand the basics of what you are paying for and why it is necessary. No one plans for an accident, be prepared!

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Car Insurance. It’s Getting Increasingly Expensive When You’re Elderly.

There were 550 serious accidents last year where the driver was over aged 70 and where driver was either killed or badly hurt, reports the Institute of Advanced Motoring . That statistic represents 8%PRCTG% of the national total of 7,035 similar accidents. That means that the over 70’s’s have more, very serious accidents per mile than any other sector of the population. This view is supported by the Association of British Insurers whose research shows that drivers aged over 70 are 13%PRCTG% more likely claim on their insurance than the drivers aged between 40 and 50.

As the number of elderly drivers will double during the next ten years, this represents a problem for elderly drivers and their families – not to mention the insurance industry, police and indeed all of the emergency services!

You can probably predict the response from the insurance industry. Many insurance companies already reckon that drivers over 80 are as high a risk as the under 25’s – and charge premiums to match! Some are even progressively loading premiums once the driver reaches 60. Then at 70, you’ll find that many insurance simply refuse to offer cover. Norwich Union and Esure won’t quote after 70 and by the time the driver reaches 80, the field narrows to specialised insurers who insure elderly drivers. Help the Aged and Age Concern both market policies that have no upper maximum age. Cornhill only accepts new policyholders up to 84 but if you’ve been insured by them for a few years, there’s no upper age limit. RIAS and Saga are also pleased to consider older drivers.

As the price of car insurance is based on historical claims experience, a 75 year old male driver can expect to pay at least 33%PRCTG% more than if he were aged 50. By the time the driver reaches 80 the premiums hit boy racer levels! So if you’re in your early 50’s keep smiling at the lowest premiums you’ll ever experience ? they won’t last forever!

And the fairer sex fare even worse. Whilst younger women are renowned for their safe driving, they become more accident-prone as they get older. Whereas male drivers improve with age. (Where have we heard that before!) As a result, elderly women drivers pay the highest rates for car insurance.

It’s a biological fact that eyesight and reaction times worsen as age creeps on. And with traffic becoming heavier and road networks ever more complex, elderly drivers can more easily become disorientated and confused. Even a fraction of a second’s delay can make the difference between an accident and a near miss. Insurers are reacting by insisting that more elderly drivers take a medical before agreeing to provide insurance. The best advice is to build up a no claims record and as soon as possible and buy No Claims Protection. This protection cost a bit more but it’s well worth the money. Then make sure you pay for any small bumps yourself.

But there are some simple steps that older drivers, and indeed all drivers, can take to reduce the likelihood of them having an accident and thereby making themselves more insurable. It’s often more about those little things and being alert to likely problems. For example, car parks are a breeding ground for small accidents. Knowing that take more care. Before you get back into your car, walk round it to see how much room you’ve got. Then edge out carefully making sure that other drivers in the car park aren’t driving into the area you’re moving into. Then, if advancing years has stiffened you neck and all-round visibility is a bit more difficult, take special care at junctions and when reversing. Remember to move you head and swivel your shoulders – that way you’ll increase your sweep of vision.

Many of the policies for older motorists contain special provisions designed to assist them. On Saga’s policy for example, ex company car drivers can use any no claims record they’d built up and if a couple are insured and the main driver decides to quit driving, then the spouse can take over the no claims record. Other policies also provide full insurance cover for anyone who takes over driving in an emergency. Cornhill will even payout ?250 if the DVLA stops you from driving for health isues associated with age.

In moves to diminish the numbers of accidents involving the elderly, the UK Government is investigating the issue of deteriorating health amongst elderly drivers. It seems to be considering the idea of obligatory health checks for elderly motorists. At the same time some local councils are introducing initiatives of their own. Torbay council has launched a scheme to encourage families and GP’s to take more responsibility for encouraging elderly drivers who are not really fit drive, to give up. A road safety spokesperson for Torbay council said, ?The problem is that the elderly can’t always see themselves when it’s really time to give up driving so those closest to them must take responsibility for that.?

In the meantime, a survey carried out by the Institute of Advanced Motorists confirms that older motorists are aware that they represent an increased accident risk. Seven out of ten older drivers surveyed said they would like to take a refresher course for motorway driving skills and six out of ten wanted to improve their performance at junctions and on unlit roads. In response to these issues, the Institute has extended its advanced tests to older non-members to encourage them to improve and build up confidence. The tests also help spot any serious problems that should encourage the driver pack up driving.

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Discount Car Insurance – Saving Money On Car Insurance Is Easy

Car insurance is one part of our family budget that we will always have to deal with and so it behooves us to get better informed. We would all love to buy some form of discount car insurance. The reality of that already exists. There are more discounts in car insurance than ever before. Some of the newer vehicles have so many of them that they are often cheaper to insure than some of the older vehicles. Let?s review some of the discounts available when purchasing car insurance.

Multiple Policy Discount ? This one is common and yet there are many people that do not take advantage of this discount. This discount can be as high as 15%PRCTG% with some companies.

Good Driver Discounts ? Insurance companies love to reward the driver that has an excellent driving record. These are profitable policyholders and help bring the over all rates down.

Auto Safety Features Discount ? Automobiles with airbags and seatbelts receive lower rates. Anti-lock brakes and anti-theft devices also lower car insurance rates. The vehicle identification number will identify all of these features and so it is important to give that number to whoever is quoting your car insurance.

Young Driver Discounts ? Many companies give substantial discounts for high school and college students that have a 3.0 grade point average or better. The drivers training discount has been a standard discount for young drivers. Find a company that has both and you will help lower premium dramatically.

Senior Citizens Discounts ? Drivers 55 and older are given retirement discounts if no longer employed. Homemakers can qualify automatically at age 55 with some companies. Mature driver discounts are also available when a driving course is completed.

Lower Tort Option ? There are some states that have a lower or limited tort option. This is your ability to sue for pain and suffering. The lower tort option limits your ability to sue but at the same time it can save you 20%PRCTG% or more in your premium. Contact your agent or insurance company about the tort laws in your state.

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