June 30, 2016 We offer four types of breakdown cover. All cover options will fix your car at the roadside if you are over a quarter of a mile away from home, or take you to a nearby garage. There are no call-out or mileage charges. Use this MSE blagged LV link to buy a car insurance policy by 11.59pm on Thursday 30 June and receive a Â£25 Amazon voucher when you use the code MSECAR. Are you planning to drive in Europe? Make sure you take the right documents with you in case you have an accident. Officially called telematics, these check your speed, your handling and how cautiously you drive, and also whether you are on the road at perceived dangerous times – ie the early hours of the morning. We can offer you 2nd car discounts if you already have a car insurance policy with us. Give us a call today to discuss your needs and we’ll tell you how much you could save on your 2nd car insurance policy! Not to be confused with living the high life during the festive period or a long afternoon at the local all-you-can-eat buffet, an excess – in the insurance sense – is the amount you pay towards any claims you make. If your classic car is used for limited mileage only, you can receive a fantastic discount. Starting from as little as 1,500 miles per year, the discount decreases the more miles covered. We still insure drivers with unlimited mileage at a great price too! All our car insurance policies are designed especially for you, each of the departments are divided into sections so the staff knowledge and experience in the niche areas is high, and each risk will be individually calculated in order to find the best deal for you. The lawyer will discuss your case with you and represent you if it is more likely than not that you will be successful. See policy wording for further information. For full details of the policy terms and conditions, please refer to your policy documents. Your premium will depend on your circumstances and the level of cover you choose. You will also receive motor prosecution defence cover if you are facing suspension or disqualification of your driving licence. You will receive up to Â£20,000 of legal expenses to help with your case, as long as there is a reasonable chance of avoiding suspension or disqualification. This cover doesn’t include any fines, penalties or charges relating to alcohol or drugs. Black box: your car is fitted with a black box or global positioning system (GPS) which transmits information back to the insurance company via a satellite. Insurers monitor things such as the times of day and night you’re behind the wheel, average speeds, acceleration, braking and cornering and calculate premiums accordingly. Previous claims or accidentsÂ – If you’ve been in an accident or raised a claim in the past 5 years, you’ll need details of the date, claim cost and accident type. It is an offence to use a motor vehicle, or allow others to use it without insurance that satisfies the requirements of the Act. This requirement applies while any part of a vehicle (even if a greater part of it is on private land) is on the public highway. No such legislation applies on private land. However, private land to which the public have a reasonable right of access (for example, a supermarket car park during opening hours) is considered to be included within the requirements of the Act. A device inside your car monitors your actions behind the wheel. So the better you drive, the less you pay for cover. Remember, telematics policies have more aliases than a rap group. If you’re looking at ‘black box’, ‘smart box’, ‘pay-as-you-drive’ or ‘usage-based’ insurance then you’re looking at a telematics policy. To help you save money, we take the customer’s exact needs and driving experience into consideration, tailoring an insurance policy to their specific requirements. Age UK Enterprises Limited is registered in England and Wales no 3156159. Age UK Enterprises Limited registered office: Tavis House 1-6 Tavistock Square, London WC1H 9NA. Two Wheeler Insurance – The Two Wheeler Insurance under the Auto Insurance in India covers accidental insurance for the drivers of the vehicle. The amount of premium depends on the current showroom price multiplied by the depreciation rate fixed by the Tariff Advisory Committee at the time of the beginning of policy period. Under the cents-per-mile system, rewards for driving less are delivered automatically, without the need for administratively cumbersome and costly GPS technology. Uniform per-mile exposure measurement for the first time provides the basis for statistically valid rate classes. Insurer premium income automatically keeps pace with increases or decreases in driving activity, cutting back on resulting insurer demand for rate increases and preventing today’s windfalls to insurers, when decreased driving activity lowers costs but not premiums. The information is used to analyse your driving behaviour and to verify your policy details as well as whether you qualify for aÂ discount. Insurers charge increasing amounts each year, knowing inertia stops policyholders switching. If your renewal is coming up, jot it in your diary to remember it. Compare comparison sites and then call your insurer to see if it can match, or even beat, the best quote you found. If it can, you’re quids in. Premiums may go up if the car is not driven safely – but not by more than 20% of the annual premium. For greater peace of mind, add driver injury cover to your Car Insurance. If you, or any named driver, are hurt in an accident while driving the insured car, regardless of whether the accident is your fault or not, this cover gives you financial support when you need it most. It provides a lump sum payment, up to a maximum specified limit, to help support rehabilitation or expense in the event of a serious injury or death.