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“How can a low price on car insurance be bad?”

“Car insurance is car insurance, right? - If I am comparing $80/month at Insurer 1 and $70/month at Insurer 2 - why would I ever want to pay the higher amount?”

“Why should I understand those pesky numbers?”

All valid questions - although, if you have ever found yourself asking them (or a version of them) you should be downright scared, and concerned that you do not understand how your car insurance works.

One of the most dangerous positions in this life to find yourself in is one where find out too late that you “didn t know something that you thought you knew” or you “didn t know something that the law or status quo thinks you should know”.

et s imagine …

You are driving along, as you do every day, heading to work and being the extremely conscientious driver you know yourself to be. You are NOT putting your make-up on You are NOT talki (more...)

UNINSURED drivers aren t just a danger to your life and vehicle - they can cause serious damage to your wallet, too.

That s according to recent findings from the Association of British Insurers, who claim that around a million drivers don t have insurance. What s more, as well as costing us lives, damage to vehicles and untold distress, these uninsured drivers are also costing us somewhere in the region of 40 per year on top of our insurance premiums.

While fully comprehensive insurance cover will get your vehicle repaired in the event of an accident caused by an uninsured driver, those repairs don t come without their costs. If you haven t paid to protect your no claims bonus, for example, you ll lose it (meaning a higher insurance premium next year), and you ll still be liable to the pay the excess on your policy.

Pursuing a compensation claim through the Motor Insurers Bureau, meanwhile, may well be successful - but you ll still have to pay the first 300 of your claim. Honest driv (more...)