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.

• Read to other articles motor insurance customers input false

Read more »

18.48  1 comment

A Woman Loses Lizzie

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.

• Read to other articles all about swiftcover car insurance

Read more »

15.48  No comments

Women Gain a Great 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.

• Read to other articles a woman loses lizzie

Read more »

01.48  1 comment

Car Insurance and Rock and Roll - How Your Occupation Can Affect Your Premium

Iggy Pop's recent foray into the financial services industry (taking the form of a Swiftcover advertising campaign) may have revealed something about the decline of rock and roll's cultural integrity. However it has also highlighted something else, the implications your job can have on your car insurance.

The advert in question involves Mr Pop cavorting around and generally revelling in having insurance with the company. But at the time the advert was originally aired they would not be able to cover him. Why? Because he's a musician.

As a result the ad didn't only cause raise eyebrows among Iggy's legion of fans, the Advertising Standards Authority also had to get involved, forbidding the company from showing it again in the existing format.

But this restriction against musicians is not an unusual one in the insurance industry. Being a musician is one the occupations that's placed fairly high on the insurer's risk scale.

There may not be an obvious connection between occupation and car insurance, but along with post-code, age and gender it is one of the rating factors on the car insurance risk assessment. An insurer typically gauges the risk of a driver in terms of where the car is likely to be parked, what times it is likely to be driven and how the car is likely to be used in regards to the driver's job.

In the case of musicians, they are deemed high-risk as they might have high claims for loss of future earnings if they are injured. Insurers would deem other high-risk occupations to be particularly stressful and involve a lot of time spent on mobile phones or behind the wheel. Premiership Footballers are another example of those who rank highly on the risk scale, since they are constantly in the public eye and could be targeted by rival fans on the way to training matches.

These are not the type of issues that most of us have to deal with on a day-to-day basis. So in what way can we expect our jobs to affect our premiums? The good news is that if any of the following apply to your job, the chances are your premium should be considerably lower than Iggy Pop and Stephen Gerrard's:

1) You have a low stress occupation. 

2) The safety of others is a key part of your job and training. 

3) Your occupation means you often take public transport. 

4) Your job is considered to be very meticulous, which is deemed to affect your driving habits. 

At the end of the day most people aren't going to change their job to lower their car insurance, so it's really a case of finding cover that adequately covers your needs and situation. And if you're a musician, like Iggy, finding it tough to get insurance? Well, he's proof that there are alternative ways to earn a living!

• Read to other articles women gain a great deal on car insurance

Read more »

21.48  1 comment

Cellular Phone Quotes and Easy Access to

Via your mobile phone, more than just receiving or making a call, it's now easier for one to perform a lot of functions. More importantly, the number of things that could be done with a mobile phone is increasing by the day. One of the very latest additions is the access motorists could have to car insurance quotes online even while miles away from home or their computer.

This innovation, courtesy of the UK's fastest growing motor insurer Swiftcover.com, will enable motorists to also be able to compare cars at a second-hand-car-dealer or filling time while travelling.

In the past similar services could be accessed only via such devices as PC or PDA. Apart from the questions of accessibility, it was always not the most convenient means of getting insurance quotes. This new device is, as such, a milestone achievement.

The issue of convenience aside, with the introduction of mobile phone quotes, motorists will also be able to get an accurate quote, based on the driver's claims history and the car registration, even while on the move.

One more interesting thing about the device is that the service is available 24 hours a day, it is easy to use and customers can access the mobile site by either texting 'Swift' to 80231 or by clicking on a special link from their mobile phone provider's mobile home page.

This will take them to a simple form which will ask them for their name, postcode, car registration, date of birth, occupation and years of no claims. They will then get a no-obligation quote in less than 60 seconds after filling in the required information.

Significantly, this saves the time and trouble of having to visit insurance agents in person or waiting to get hold of a PC to be able to get quotes.

At a time when people are increasingly counselled on the importance of comparing quotes and taking time to shop around for the cheapest and, possibly, the best policy that suits one's needs, there is no better time to have this improvement than now.

More so, even for insurers the innovation overrides the need for time-consuming paper work and consultation as everything is made clear and user-friendly.

Commenting on the development, marketing director at swiftcover.com, Tina Shortle argued that anyone intending to spend a lot of money on a new car would need to know much about the car, including how much they would be spending to insure it. And with this service, it means the information will be handy.

With car insurance playing a more important role in helping motorists save costs of motoring, given the rising price of fuel and general maintenance, drivers will be able to decide on how do compare quotes and go for the one that will help in economising their expenses.

Thus, the aim of introducing mobile phone quotes by swiftcover.com could be achieved, which "is to make car insurance as easy, simple and convenient as possible", as explained by Ms Shortle. What is now left is for motorists to make use of the device to their advantage.

• Read to other articles car insurance and rock and roll how

Read more »

21.13  No comments

Car Insurance Quick Quote Via Your Mobile Phone

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.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.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.

Daniel is an author of several articles pertaining to Car Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

• Read to other articles cellular phone quotes and easy access to

Read more »

18.48  1 comment

Cheapest Secondhand Cars to Insure

There are many factors that influence the size of a car insurance premium but few are more important than the vehicle itself. British drivers looking to buy a second hand car over the next year are likely to face a number of budgetary constraints in these tough economic times, so considering all vehicle costs before buying - including tax and insurance - is vital. Now a car insurance provider has revealed its top ten cheapest second hand cars to insure in the UK.

Topping the list is the Smart Pure for which average premiums are just £350.84. Indeed smaller cars with low performance engines dominate the list - the Fiat Seicento, Skoda Fabia, Toyota Aygo, Nissan Micra, Citroen C1, Renault Clio, Suzuki Wagon R, Volkswagen Fox Urban and Peugeot 107 complete the top ten.

Buying a second hand car will usually allow you to earn cheaper car insurance because the value of the vehicle greatly depreciates over the first three years and the cost of a replacement follows suit.

Of course while the type of vehicle you buy is an important consideration, it's also crucial to gather as many car insurance quotes as you can as the differences between premiums from one insurer to another can be astronomic. For example a man aged 32 living in Birmingham with one speeding conviction could pick up a premium on a Volvo V70 T S for as little as £581.95 through swiftcover.com and yet would pay £1,420.91 a year to insure the same car with LV=, according to the research. Therefore it's crucial to shop around.

It's also worth considering other ways to lower your car insurance. For example, installing a car alarm, parking in a garage overnight, paying annually instead of monthly and agreeing to a mileage limit could all help you earn cheap car insurance.

• Read to other articles car insurance quick quote via your

Read more »

16.48  No comments