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Comprehensive and third party car insurance

June 30, 2009
Posted in Driving News — Written by Nick

It has been reported by Sainsbury Finance there is an upward trend towards using the cheapest car insurance in order to save costs.

A large percentage of car owners who have comprehensive cover on their vehicles are now downgrading the policy to third party cover.

The research showed comprehensive covers for cars was eleven times more expensive than the car insurance policies which offered less protection.

The result shows that short term savings can be made, but in the event of an accident car owners will be paying out more in repairs. The cost to have their vehicle back on the road may work out more than the original premium quoted for a fully comprehensive cover.

The survey showed that most car owners would be more in favour of buying a second-hand car rather that a new one due to the overall cost of car insurance.

If you are in an accident it will help to speed up your claim if you have all the information available for your insurance provider.

Details required by the car insurers are as follows:

  • The model of the car and the registration number.
  • The extent of the damage to the car, and is the car is driveable.
  • Name and address of the other driver involved in the accident.

Paper Driving licences and driving after the age of 70

June 29, 2009
Posted in Driving Advice — Written by David

Paper Driving Licences will be required by the DVLA if you are coming up to the age of seventy.

You will receive a D46P form for completion three months before your seventieth birthday.

You will have to send a document which confirms your identity, especially if you have changed your name.

In the envelope, you will need to supply a passport photograph, similar to the one you have in your passport.

When the form is ready for posting:

1. Use a premium checking service at your local post office.

2. Send all the details to the DVLA office in Swansea, SA99 1AA.

If you have not received the relevant form in time you can complete a D1 form.

C1 and D1 drivers will have to enclose a D4 medical report with their application.

It can take up to three weeks before your driving licence is returned to you and it could be longer if you have sent in medical details.

When you receive your driving licence it will show your picture for extra security.

Note: You can drive a car before your licence is returned as long as you have had a driving licence since the beginning of January 1976, you have not been disqualified and as long as you have not been refused a licence due to medical reasons.

Read your car insurance policy carefully

June 28, 2009
Posted in Car Tips — Written by Jack

Just like when you were pouring over lists of driving instructors in Streatham to start learning to drive, choosing your car insurance now you have passed your test can sometimes seem just as daunting. If you are a new driver to the world of choosing car insurance, you need to look around at all the different policies and choose one to suit your pocket.

If you are a veteran driver and you are thinking of changing your car insurance; the same rules apply. There will be a variation of car insurance on the market place and they will set different liability limits.

The main issue on the limits is to try and persuade you to have lower car insurance rates as they may be a cheaper premium but they do not pay out as much when there is an accident.

When you are making online enquires or asking your local auto insurer ask what does the policy actually
cover.

Check if it covers roadside assistance, windscreen cover and simple things like roadside assistance. Ask how much are you are liable for up front if you have an accident.

Don’t be persuaded to have the cover if you know it is of no use to you as it will make your policy more expensive.

Caution: when you receive your car insurance policy, check the details are correct and only sign and send it back if the details are incorrect.

Seventeen is the age for driving lessons to begin

June 27, 2009
Posted in Driving Advice — Written by Nick

When you are seventeen you are in a position to learn how to legally drive a car.

You can apply for a provisional driving licence. When you apply for your driving licence you will need to send in two passport size photographs with fifty pounds, which is the fee required by the DVLA.

Once you have received your provisional driving licence, you are in a position to check out the driving schools in Putney.

Look for a driving school which has different courses available and see if there are any discounts available.

Ask about the qualifications of their driving instructors and what model of car would you be learning to drive.

Make sue the driving instructor has up to date car insurance which covers all learner drivers.

If you are satisfied with your choice of driving school, it is time to buy a Highway Code book.

This is an essential item, as you will be swotting to pass a theory test which is a legal requirement for learner drivers.

Note: There is more information on the internet to help you to learn the Highway Code and hazard perception. Other tools are used to help you to remember the information easily.

A checklist for learner drivers

June 27, 2009
Posted in Driving Advice — Written by David

When you are a new learner driver, yet to start your driving lessons in Kingston, but wondering where to start; you should consider the points on the checklist below.

1. Ask the driving school if their driving instructors are qualified and have their ADI number.

2. When you meet your driving instructor ask to seek their ADI number.

3. Check to see the document is valid.

4. Take a note of the ADI number as you may need it for your practical theory test.

5. Make sure the number can be seen on your driving instructor’s car windscreen.

Once you are ready to take your driving test you can book your test, or if you want to order a book on the DSA website you may need your driving instructor’s ADI number.

Do not panic if they can not find the ADI number as the number is a way of avoiding double bookings for the test.

If your driving instructor informs you that they book all appointments manually you will need to book with him in plenty of time for your driving test.

Manual bookings are taken early so your driving instructor will have his car available for you on the day.

Choosing the correct driving school

June 26, 2009
Posted in Driving Advice — Written by David

If you have just received your provisional driving licence and you are wondering how to choose your driving school try asking a few friends for recommendations.

Driving schools can vary and there is a large variety of schools to choose from which can be confusing.
Once you have chosen your driving school, check their driving instructors are fully qualified to teach.
When you are introduced to your driving instructor and you are in their car it is important they install confidence in the way they teach you.

Both large multinational driving schools and small driving schools are able to offer a good service. However some larger driving schools courses can be a little more expensive.

If you have the opportunity you should check all the courses on offer before choosing the one which suits your pocket. It is also important to ask if your driving instructor cannot take your lesson, will there be a replacement instructor available?

One important factor is that driving should be fun and you should enjoy your driving lessons.

Keep your car insurance with you

June 25, 2009
Posted in Car Tips — Written by Jack

Having your car insurance with you when you are driving can stop delays if you have a car accident. You have a contract that is typed out in English so that everyone understands what you are entitled to.

There are three types of car insurance which are third party, third party fire and theft and fully comprehensive. If you have paid your premium and if you have third party cover and have an accident the insurance company will cover costs to the driver you have crashed into. Third party fire and theft will offer the same cover as third party but will also cover you if the car is damaged by fire or if your car is stolen. Comprehensive cover offers all the benefits of third party fire and theft but also covers your own car even if the accident was your fault.

It is important that the car insurance policy agreement you have with an insurer is written in a format which clearly states what is covered and what is not covered by the policy owner.

Car insurance can be expensive and you will need to save up to cover the premium. However more and more insurers are offering monthly payment deals or a discount for clients who renew their policy at the end of their twelve month contract.

It is always advisable to check the small print before signing any legal contract.

Applying for your Driving Licence if you have been disqualified

June 24, 2009
Posted in Driving Advice — Written by Jack

If you have been disqualified from driving and you want to re-apply for your licence, you will need to apply up to 56 days before your period of disqualification ends.

The DVLA will send you a D27P form to complete. And there will be a charge on the reminder sent to you.

You can download an application form over the internet.

If your name has changed you will be asked to send the completed form with a new passport photograph and a document to confirm your identity. Drivers who have a paper driving licence will also have to send in all of these documents.

All documents should be sent to the DVLA office in Swansea. Full address details are on online.

If you have not received the reminder, there is the D1 application form which you can pick up at your local post office and complete.

When you have received your new driving licence you may feel anxious about driving again after some time away from it. Try contacting your local driving school for a refresher course to improve your confidence.

Driving licence renewal for the over 70s

June 23, 2009
Posted in Driving Advice — Written by David

If you are approaching the age of 70 and you are still driving a car, you will have to re-apply for your driving licence.

The DVLA will send you a D46P form which requires completing and sending back with a full photocard driving licence.

When you receive your form, check to see if there is information regarding a requirement for a new passport photograph. There is an expiry date on your driving licence which will give you the information regarding the renewal of your photograph.

If you have changed your name since your driving licence was sent out to you then send an original identity form with the completed renewal form.

The good news is that you are not required to send in a fee.

There is a service for you to apply online if this is more convenient. However, drivers of C1 or D1 vehicles will have to apply by post (C1 is medium sized vehicles and D1 refers to a mini bus).

The old paper driving licence will be replaced. So you will be asked to send in a recent coloured passport photograph with confirmation of your identity.

Note: You should receive your form from the DVLA 90 days before your 70th birthday.

Online car insurance can have its disadvantages

June 22, 2009
Posted in Driving Advice — Written by Nick

There are a few disadvantages of purchasing your car insurance through the various online insurers.

Most people find shopping around is an excellent way of saving time and money. But there are a few areas where it may be a problem.

Each policy promises a premium according to the information you have entered online. However the policy may not meet up to your expectations due to hidden clauses which relate to your make of car. Or the policy itself may not meet your personal requirements.

And when you claim, car insurers may be slow at processing a claim. An unknown company may not be as efficient as a larger car insurance company.

Hidden clauses in a policy may cause a person to have to chase up problems which arise and the whole point of saving time and money is lost.

If the policy sellers have no offices on the main high street then there is nowhere to visit for one to one advice. Letters and emails can be lost and are not an efficient way of solving problems such as an accident claim.

When you receive your car insurance policy, it is important you read and check it. It should confirm everything you entered online and the details on the form should relate to you and your car.

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