This is important in case you have a claim or for us to contact you regarding your policy. We will not give your phone number to anyone else for marketing purposes.
If you’re a customer with a Clubcard, we’ll give you a guaranteed discount when you take out your policy and every time you renew it, which means you’ll have a little extra money in your pocket to treat the family. If you’re cancelling due to a change in circumstances, you can amend or change your policy by calling us on 0345 246 8706 If you’re cancelling your policy within 14 days of the policy starting, we’ll return any premium paid less a charge for the number of days for which cover has been given, providing you haven’t made a claim.
The Q3 2015 update shows the average quoted premium for an annual comprehensive car insurance policy stood at 629. This means that prices have seen an increase of 4.8% (29) against the second quarter of 2015, and an annual increase of 8.1% (47). The service I receive from A-Plan is a classic example of ‘you get what you pay for’…honest and open and easier than an internet site!
Several months ago, around July, I realized that I can get a discount on MetLife with my company. I called them and now I pay $1050. That’s $950 less for about 30 minutes worth of phone time. I got an additional discount because I opted to have my bill taken out of my pay each paycheck automatically. It’s about $41 per paycheck. And I have BETTER coverage and don’t have to worry about paying the bill every month.
To reduce the insurance premium, the insured party may offer to pay a higher excess (deductible) than the compulsory excess demanded by the insurance company. The voluntary excess is the extra amount, over and above the compulsory excess, that is agreed to be paid in the event of a claim on the policy. As a bigger excess reduces the financial risk carried by the insurer, the insurer is able to offer a significantly lower premium.
More commonly purchased is third party, fire and theft. This covers all third party liabilities and also covers the vehicle owner against the destruction of the vehicle by fire (whether malicious or due to a vehicle fault) and theft of the vehicle itself. It may or may not cover vandalism. This kind of insurance and the two preceding types do not cover damage to the vehicle caused by the driver or other hazards.
Ironically, its student drivers that generally have the highest insurance rates to go with those big discounts. Studies show that drivers under the age of 20 are three times more likely to be involved in a fatal crash, according to the Insurance Institute for Highway Safety. Recent data finds the death rate actually increasing after a decade of decline.