A quick overview of motorhome insurance
Posted on July 7th, 2011
Here are a few key points on the subject of motorhome insurance:
- motorhome policies may typically contain restrictions on the minimum ages (and possibly the experience levels, as dictated by the time a licence has been held) of drivers;
- some larger and specialist motorhomes may require special driving licence qualifications;
- even if your motorhome is currently ‘off the road’, it may still require the minimum legal insurance – unless you have formally declared it to be ‘off the road’ to the DVLA and completed an appropriate SORN notification that involves handing in your tax disc;
- some insurance policies for camper vans and motorhomes may make the use of tracking devices mandatory – others may offer financial incentives for doing so;
- policies may differ in terms of their requirements as to where you may or may not park up your motorhome overnight – some may require the use of formally approved sites with the implication being that locations such as lay-bys may not be covered;
- you may also be able to obtain a reduction of premium if you use additional security devices to cut down the risks of burglary or theft;
- policies typically do not cover fridge contents;
- motorhome insurance may cover your contents as well as fixtures and fittings, however, it might be prudent to carefully check the situation with regards to external items such as awnings, satellite dishes and portaloos etc. These may nee
Car accident claim – does it really work?
Posted on July 7th, 2011
No-one can know when they are going to be involved in an accident, least of all a toddler, but three year old Liam Brickell of Merseyside received ?14,000 from making a car accident claim. The toddler was seriously injured after being hit whilst on a pedestrian crossing whilst being accompanied by his mother, Nicola Watkins. Liam was hit by an uninsured and disqualified driver in a Vauxhall Cavalier, who had previously jumped a red light before colliding in the toddler, and then continued to drive off without stopping. His car was later found abandoned in a nearby street, and the driver was found a short time after.
Liam had very serious internal and head injuries due to the accident, and was taken straight to the Wirral Arrowe Park Hospital in the high dependency unit to be treated. Read more…
Tags: Accident Claim, Car Accident, Car Accident Claim, Claim
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I’m going to buy an ATV in New York; do I need to register it?
Posted on July 7th, 2011
Yes, all ATVs purchased after 2005, must be registered. However, if you are buying from a dealer they are required to register it for you. If you are buying from an out-of-state dealer, you need register it yourself and will need either:
If you bought from a private person, you need:
Tags: Register
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Reasons To Increase Deductible Amounts
Posted on July 7th, 2011
Drivers will go to great lengths to find the cheapest car insurance rates, and one of the first things that theyll do is to change the coverage limits and deductibles of their insurance policies in order to limit their monthly premiums. A car insurance policys deductibles will have a very significant effect on the car insurance rates of the policy, so this is a logical place to start looking when limiting costs. There are some legitimate cases in which premiums should be changed, but its also very important to understand the risks of taking this type of action and how youll be lowering the value of your auto insurance policy.
Some drivers are unaware of exactly how a car insurance deductible works. When you file a claim on your car insurance policy, youll be required to pay the amount of your deductible.
What’s the Difference: No-Fault vs. Tort Auto Insurance
Posted on July 4th, 2011
If you’ve recently renewed a car insurance policy, you may have experienced sticker-shock based on an increase in the cost of your premium. When insurers issue rates, there is always a reason. And despite the myth that auto insurers are not regulated, each state regulates the companies that sell car insurance, and they also have strict guidelines as to how much they sell it for.
Because car insurance is regulated on a state-by-state basis, where you live has a tremendous impact on your policy premiums. There are two basic types of auto insurance systems: no fault and at fault . Well be the first to admit that having varying systems, with each state having its own specifics and guidelines, can be quite confusing.
For those who live in the no-fault states the difference in tort states can be overwhelming. A
Tags: Auto Insurance, Insurance
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Understanding The Role Of A Car Insurance Agent
Posted on July 3rd, 2011
When it comes to car insurance, a car insurance agent plays an important role and he or she can help customers get the best car insurance rates. Car insurance agents will also guide the entire process of getting the right type of insurance and could be instrumental in getting drivers the cheapest car insurance.
A car insurance agent represents one or more insurance providers and he or she can help with all drivers insurance requirements. An insurance agent may not be an employee of the actual insurance company that he or she is representing. In some cases, an insurance agent merely acts as an independent contractor of the insurance company.
Tags: Agent, Car Insurance, Car Insurance Agent, Insurance Agent
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