Car Insurance Quick Quote Via Your Mobile Phone

Danielle Fletcher 

Renewing car insurance can be a time consuming task. With the market saturated with a huge number of companies offering car insurance products, finding the best deal can mean lengthy searches and endless repeating of your personal information to the various brokers and insurers. 

This can be particularly frustrating if you only require a quick quote in anticipation of buying a car. Nowadays many people consider the cost of insurance before purchasing a new vehicle, as it can be significant proportion of the running costs. When out searching for a car, it might be helpful to get a quote as soon as possible in order to be able decide whether or not the car is going to be suitable. Now one company has come up with a solution to help car buyers get an instant quote. 

Swiftcover-insurance.blogspot.com, an internet insurance firm has launched a service which allows customers to get a car insurance quote via their mobile phone. In order to the use the service customers need to have a mobile phone with internet access. A link can be added to the phone provider’s website to make navigation easier, or a text message can be send which will direct the customer to the site. Once on the site a few questions need to be answered regarding the customer’s demographics and the car registration details. The site then will reply with a quote within one minute. This service means that customers can get an insurance quote at any time of day through their phones. This should make life a little easier when out car hunting, especially if deciding between two different vehicles. 

It is important to note that the quote provided via phone can only act as a guide, and further data will need to be inputted at a later date in order to get an exact quote. This is because the phone quote only relies on six pieces of data, whereas normally an insurance quote requires a lot more information. But it can act as a starting point for those who need a speedy indication of the insurance cost. 

However this service is not entirely new. Swiftcover-insurance.blogspot.com launched a text service similar to the mobile internet service back in 2006. With this service, customers were required to send a text message to the company which would then respond with a series of question. The quick quote would then be based on the answers to these questions. Swiftcover.com is moving with the modern day advances in technology and enabling customers to access quick quotes through a number of methods to suit them. Making life easier for the consumer is an important way of keeping their business. Once a customer has used the service to obtain a quick insurance quote, they might be more inclined to go back to the provider to obtain a full quote and ultimately purchase their insurance. In such a saturated market as the car insurance market is, any innovation which makes it easier for customers to choose the right product and car for them has the potential to be a hit.

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11.00  1 comment

British Motorists are Easy Pickings for Thieves

British motorists are easy picking for thieves, with a careless attitude towards leaving gadgets in their cars, according to online car insurer, swiftcover.com.

A recent survey of motorists found that despite the well-documented risks, a massive 96 per cent of British motorists regularly leave gadgets such as iPods in their cars, with one in three leaving them in full view on the seat or dashboard.  As a result, more than a fifth (21%) have had their cars broken into and their gadgets stolen.

In response, swiftcover.com, the UK’s only dedicated online car insurance company, has today launched a new insurance cover, offering motorists the option to cover their in-car gadgets when they buy car insurance.

“Sat navs, MP3 players, mobile phones and digital cameras are a thief’s dream,” says Tina Shortle, marketing director of swiftcover.com. “They are easy to snatch, easy to conceal and because they are desirable items, easy to sell on. A thief could be in a car and away with a pocketful of expensive kit within seconds. It’s a bonanza for our light-fingered foes.”

“We strongly urge drivers to take 30 seconds to check their vehicle and to lock their gadgets in the glove box or boot when parking, even when leaving their car unattended at a petrol station.  This little routine will ensure no gadget is visible,” Shortle said.

The research mirrors official police statistics which reveal a huge rise in gadget theft from cars.  According to the Metropolitan Police, the theft of sat navs from cars in London alone more than doubled (up 154%) between April 2006 and April 2007. Nationally, the British Crime Survey showed that there were over 1.2 million reported thefts from vehicles in 2005-6 and over seven per cent of vehicle-owning households experienced some type of vehicle-related theft.

For £28.50 for a year, swiftcover.com’s gadget cover includes theft and damage to gadgets in vehicles, providing a replacement if the item is stolen or damaged accidentally whilst within a car.  Items covered include mobile phones, PDAs, satellite navigation systems, MP3 players, safety camera locators, portable games consoles, digital cameras, camcorders and portable DVD players.

Traditional insurers which cover gadgets require proof of purchase prior to insuring an item, however swiftcover.com covers an unlimited number of gadgets, with customers only requiring proof of purchase when making a claim.  Therefore it is vital to keep receipts, especially as swiftcover.com’s survey found that only 26 per cent of British consumers keep proof of purchase of their gadgets.

Unsurprisingly, the theft of gadgets from cars is proving to be a costly business for consumers. Britons are Europe’s biggest spenders on gadgets, splashing out more than £11 billion (or £230 per adult) per year. With the latest iphone costing around £270, a basic TomTom costing £120 and a Palm Pilot costing around £230, just one opportunistic break-in can set consumers back by hundreds of pounds.

The survey found that mobile phones are the most popular in-car gadget (98%), while 35% regularly keep an MP3 player in their car; 38% have a satellite navigation system, 42% keep a digital camera and 15% keep a DVD player in their car.

The research also identified that people are confused when it comes to insurance for their gadgets.  40 per cent of UK drivers said they were unsure if their home or car insurance covers them for gadget theft or damage.
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10.54  1 comment

Marriage can Cut the Cost of Car Insurance

Author : Jennifer Scott 

With the average wedding now costing nearly £16,000*, tying the knot can lead to a big hole in your finances. However, getting married or entering into a civil partnership can actually save you money on your motor insurance!

According to online insurer swiftcover.com, adding your spouse to your car insurance policy can save you up to 20% compared to your singleton counterparts.

For example:

• A man adding his female spouse to his insurance policy could see his premium cut from over £388 to under £345 - if both drivers are male and in a civil partnership, the new premium would be around £348 because male drivers are considered a higher risk
• However, if a woman driver put her male spouse on her policy, the premium would fall from just over £341 to little more than £303 - the cost for two women in a civil partnership would also be around £303

Swiftcover says insurance premiums are cheaper because claims statistics show that married people are safer drivers. However, couples that aren't officially 'hitched' will also benefit from insurance savings, whether they are heterosexual or same-sex partners, although the savings won't be as high as drivers in a legally recognised partnership.

Tina Shortle, marketing director of swiftcover.com, says: "We're not suggesting that people say "I do" just to push down the cost of their car insurance, but many married couples may not realise that they can make significant savings by adding their spouses to their car insurance. It's also important to note that same sex couples in a civil partnership will also get lower insurance premiums and swiftcover.com's online quote system has been designed to enable drivers to add a spouse of either sex.

"The amount of savings will vary depending on individual circumstances such as the type of car, where you live, your job and your previous claims and motoring history. As long as your spouse is not particularly high risk you will see a saving - and although it may not help with the cost of the 'big day', over many years of wedded bliss it could amount to a substantial saving."

Shortle pointed out that insurance policies should always be in the name of the main driver - the person that drives the vehicle most often - with the spouse or partner as the named driver. Naming your spouse or partner, or indeed anyone else, as the main driver to bring the cost of premiums down further could invalidate your policy in the event of a claim if it is found that they are not actually the person that drives the vehicle most often. Likewise, incorrectly claiming that a named driver is your spouse could make your policy invalid if you need to claim.

As Swiftcover shows, adding your spouse as a named driver to your car insurance policy, whatever your gender or orientation can begin to save you money, with the following examples reducing annual premiums by an average of £38, which could add up to £380 over ten years.

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09.59  No comments

All About Swiftcover Car Insurance Policies

Swift is associated with speed. And so, as the name suggests, Swiftcover insurance policy vows that you will get your insurance quote within a minute of of enquiry. Swiftcover is an online insurance company. They have a very comprehensive website that offers all and any information about the company. The details included in the Swiftcover website are to the point. They also provide a lot of flexibility in their policies that few other insurance companies may be able to match up to.

So, in effect you can save your time; you only need to save your quote and details, and then company will make arrangements to send you the actual insurance documents using a technology. You can obtain a printout then and there. Thus, the system of Swiftcover insurance cover is a hassle-free one. Their services and policy covers are comparatively cheap, allowing room for great discounts to the customers. This is because; they do not need to avail their operational costs at all. They also have a scheme where they are ready to offer your money back, if you happen to find a cheaper policy within a period of 14 days.

You might be expecting a lot from a company that keeps and maintains, and has access to a wide range of insurance market contacts; most of them which come with AXA Group. Similar to your expectations, Swiftcover is also capable of offering access to the travel insurance market, pet insurance market and breakdown cover. A point to be noted here is that all these services are offered at very competitive prices.

You may be aware of several websites that get things arranged and then start up with a big boom. However, they disappear within months of starting up. However, Swiftcover has been able to transfer their car insurance business model to several other areas and they have been very successful in their venture. These days, there is cut-throat competition among all insurance companies. Yet, as the markets become more and more competitive, Swiftcover has been able to advance one step ahead of the competition, with regards to their services and cost, both of which have been supreme.

It may seem very strange to you, but Swiftcover has already been able to stand up to a comparison very favorably to other major or popular car insurance companies such as the AA, the RAC and More Than. In spite of their low cost approach, they have been able to pay massive dividends also.

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18.48  1 comment

Do Women Get Good Deal on Car Insurance?

Yet another car insurance provider has decided to offer exclusive policies for female drivers - but do these deals really offer better value?

More Than car insurance has launched women driver's insurance with special features designed for females including priority road assistance, a mobile phone locator, female friendly repairers, child car seat replacement and handbag cover. It is just the latest in a long line of car insurance providers that specifically target females with their policies including Diamond, Ladybird and Sheila's Wheels.

However, research from Swiftcover reveals that these specialist insurers do not necessarily offer females the best deals. Its research shows that 18.9 million women drivers in the UK face price differences on their insurance deals of as much as £600.

For example, a female aged 25 who lives in Milton Keynes and has a Ford Fiesta Style 1244cc with zero years no-claims could get a policy for as little as £273.60 with Swiftcover and yet would pay £512.90 with Diamond. Similarly, a 35-year-old in Birmingham driving a VW Passat would pay £331.76 through Swiftcover compared to £426.37 through Sheila's Wheels.

Women are generally offered more favourable car insurance quotes than men due to their superior driving record with Home Office statistics showing that men are involved in 97 per cent of dangerous driving convictions. However, just because an insurer claims it can offer cheaper quotes by dealing exclusively with females it does not mean that women drivers could not get a cheaper deal elsewhere.

The key is to do everything you can to save including taking advantage of online discounts, paying annually instead of monthly, parking a car in a garage overnight and enhancing security.

From there take a complete overview of the car insurance market and compare car insurance from as many providers as possible to find a competitive deal.

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04.12  1 comment

Are Women Missing Out on cheap Car Insurance?

Statistics have been released by car insurance provider Swiftcover, highlighting the need for female drivers to look beyond the policies that are advertised directly to them when shopping around for car insurance.
According to the provider's research, the UK's 18.9million women drivers could face car insurance premiums with differences of more than £600 a year. Its research found that a 35-year-old female living in Birmingham driving a Volkswagen Passat with one speeding conviction to their name could be charged as much as £944.45 a year through female car insurance specialist Diamond. The same driver however, could pick up a quote for just £331.76 through Swiftcover itself - a difference of £612.69.
This wasn't a one-off example either. The insurer quoted many similar differences including for a 55-year-old female in Southampton driving a Saab 9-5 who could pick up a premium for just £148.00 through Swiftcover and yet would be charged £246.94 through Sheila's Wheels and £589.55 with Diamond.
Cynics would argue that Swiftcover has hand-picked the examples to show off the savings made through its service. However, there is a clear message for female motorists to shop around - preferably by using a comparison service - to ensure they're getting the cheapest quote available.
It is important to look beyond price too and consider what you're getting for your money. To their credit, the likes of Diamond and Sheila's Wheels offer incentives such as handbag cover, female-friendly repairers and courtesy cars.
Once you've found a policy with the level of cover you need, look to save money where possible by enhancing the vehicle's security, parking in a garage overnight, driving at pre-agreed times and avoiding convictions.
You can also enjoy cheap car insurance by paying annually instead of monthly, as many companies charge interest on monthly car insurance installments.

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03.24  No comments

All About Swiftcover Insurance Tips & Guide

Swift related to speed. So, as the name suggests, Swiftcover insurance swear that you are going to get an insurance quote withinone minute of the investigation. Swiftcover is an online insurance company. They have a comprehensive Web site that gives all and any information about the company. The details are included in the Web site Swiftcover is the point. They also provide lots of flexibility in their policy that some other insurance companies may be able tomatch.

So, basically you can save your time, you just need to save your quotes and details, and then these companies will make an agreement to submit the insurance documents actually use a technology. You can get a printout then and there. Thus, at Swiftcover insurance system is a hassle-free. Their services and policies that cover is relatively cheap, allowing space for a big discount to its customers. This is because, they do not need to take advantage of their operational expenses at all. Also has a program where they are ready to offer your money back, if you happen to geta cheaper policy within a period of 14 days.

You might expect a lot of companies that maintain and manage, and have access to a variety of insurance market relationships, most of those who enter with the AXA Group. Similar to your expectations, Swiftcover also able to offer market access to travel insurance, pet insurance market and cover up distractions. A point to note here that all these services are offered at a competitive price. You may know a number of websites that get something set up and then start with a big spike. However, they disappear within months of launch. However, Swiftcover has been able to transfer their business model car insurance with some other areas and they have succeeded in their efforts. Today, there are cut-throat competition among the insurance companies. But, as markets become more and more competitive, Swiftcover has been able to go one step before the competition, in connection with their services and fees, those that have the highest.

This may look very strange to you, but Swiftcover has managed to stand upright for a very good comparison to the big or popular car company insurance such as AA, RAC and More Than. Although low-cost approach, they are also willing to pay big dividends.

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