Vehicle Insurance and How Britain is a Bargain Hunters

Recent research by the Fair Investment Company has come to the conclusion that most Brits are bargain hunters when it comes to choosing the right car insurance deal. 

The study found that over 57 per cent of those UK motorists quizzed named price as the most important element of securing cover on their vehicle. 

The level of cover was deemed much less important, with only 19 per cent viewing it as the crucial aspect of selecting a policy.

James Caldwell, Fairinvestment.co.uk's director, said: "Motorists should be careful choosing their car insurance by price alone, the cheapest car insurance is not always the best and there are other aspects to be taken into consideration.

"I would advise anybody shopping for car insurance to compare deals not just on price but also policy features, some of which may be outlined in the small print."

Some two per cent of participants in the survey named breakdown cover and a no claims bonus as the part of a deal most important to them.

So what can you do to join these money saving motorists?

The best advice is to shop around for your policy. Price comparison sites such as money extra and moneysupermarket.com are the first stop when looking for a new deal.

Moneysupermarket.com, for instance, found that the cheapest car insurers were Kwik Fit and Swiftcover with an average premium of £276.74.

Quinn-Direct and the RAC were named third and fourth best with average premiums of £282.80 and £289.59 respectively.

Peter Gerrard, head of insurance research at moneysupermarket.com, said that although cost should be a primary concern it is also imperative that motorists consider how appropriate the policy they opt for is for their specific needs. 

He said: "While cost is a major factor, motorists should make sure they get cover most suited to their needs. It is always worth looking at multiple-person cover, excess levels and breakdown cover within insurance deals.

"There is nothing stopping drivers from changing their insurer each year and always taking advantage of the most competitive premium. There is no substitute for spending a few minutes comparing quotes online and finding the best deal for your needs."
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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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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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