3 Money murdering MISTAKES than:
NO BROKER would dare tell You!
NO BROKER would dare tell You!

Parking

Don’t tell brokers you park you car in the garage if you don’t!
Most accident happened when you drive in our out of the garage which can increase your premium by over £100 pounds!!!

Second Driver

Add your spouse/ parent / partner to your policy
Don’t worry as the second driver won’t loose their No Claim Bonus and it will not affect their claim history if you have an accident – it could save you whooping £200 + !!!

Policy Start Date

Don’t start your policy today or tomorrow!!
If you choose to start your policy in 3 to 5 days time it can save you huge amount of money! Try it for yourself!

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Black Box / Telematics Insurance Explained

Black box insurance, also know as telematics insurance, is an insurance policy that offers premium based on your driving behaviour and millage. Insurance provider uses telematics equipment called black box to monitor your driving habits. It offers a more affordable alternative to normal car insurance designed for less experienced drivers.

Completing your application

You’re responsible for answering any questions relating to your application honestly. If the information is found to be incorrect it could invalidate your insurance and your insurer may not pay out for any claims you make. Always make sure that the policy you’re applying for has the right level of cover and features that you require.

Factor Affecting your car insurance premium!

The cost of motor insurance varies significantly from driver to driver. There are a number of factors that affect the price of your premium including:

  • your age
  • your occupation
  • your insurance claims history
  • the type of vehicle you drive
  • where you store your vehicle at night
  • if your vehicle is fitted with an alarm or immobiliser
  • fraudulent claims made by other motorists
Policy Types

Telematics policies have made great strides into the market in recent years, using a black box or mobile phone app to calculate your premium based on the standard and nature of your driving. Designed for younger drivers in mind!

Comprehensive policy will provide you with the most extensive level of cover, including everything covered by third party, fire and theft, and usually:

  • Loss or damage to your vehicle
  • Windscreen cover
  • Personal effects
  • Accidental damage
  • Medical expenses

Some insurance companies offer cheaper policies that offer less protection, known as ‘stripped down’ policies. For example, they may have taken off windscreen cover or reduced what you can claim for personal effects – so always check your policy documents to make sure you have the cover you want.

Third party, fire and theft covers everything that third party does, but also:

  • Fire damage
  • Theft of vehicle
  • Damage to your car caused during theft

Third party only is the minimum level cover required by law in the UK. It covers:

  • Liability for injury to others (including passengers)
  • Damage to third party property
  • Liability whilst towing a caravan or trailer
Excess
Compulsory Excess
  • Set by your insurance company
  • Depends on the details you’ve provided your insurer with when you took out your policy
  • Higher excesses are most likely on policies with young drivers, or on high value cars
Voluntary Excess
  • Amount you choose to pay towards the cost of a claim
  • Can help to reduce the price of your insurance
  • Paid on top of any compulsory excess you have
Driving other cars

You are not allowed to drive other cars under any black box / telematics insurance.