There are a few cited reasons for the price rises such as increased cost of claims and injury settlements.  Drivers and passengers are now claiming for minor injuries such as mild whiplash and winning their cases, meaning insurers need to pay out a lot more than in the past.  This is being heavily encouraged by TV advertisements by lawyers and solicitors and people are using it as a way to generate extra cash during the current credit crisis.

The winter has been particularly bad and crashes and accidents are up by around 30%, another factor thats causing higher prices.   Years of high commission payments to the big price comparison sites (aggregators) have also taken their toll and caused a double whammy, high cost of aquisition of customers and a dwindling renewals book as drivers are encouraged to switch every year to gain the latest new customer discount.

Despite this, it still makes sense to compare your insurance prices online and use a service like Quotezone to get the best deal for you.  Remember, prices are up across the whole market and so you’ll probably need to pay more for the same cover or switch to a cheaper cover such as moving from Comprehensive to Third Party Fire & Theft (TPFT).

Good luck in finding your bargain out there!

Looking for a great deal on your car insurance? If you buy your car insurance direct from Aviva, they are currently offering 12 months car insurance for the price of 10*. Whether you’re looking for comprehensive or third party fire & theft cover, all new customers with four or more years’ no claims discount will qualify.

Don’t have 4 years no claims discount? Aviva still have a deal for you -you can benefit from up to 15% online discount!

Cutting costs couldn’t be easier and you won’t be compromising on quality either, as Aviva car insurance offer many benefits. Here are just some of the service features you can look forward to:

• Up to 70% no claims discount^
• 5% discount on each additional car you insure
• Approved repairer network across UK – with 3 year guarantee
• Great deals for more experienced drivers
• Great deals for couples who live together
• Lower premiums for those who drive fewer miles
• Free 24/7 claims helpline

Get a quote today and get the Aviva deal

* Available to new customers who have been claim free for 4 years or more on their existing car insurance. Proof of renewal terms needed (or proof of claim free status needed). Excludes any additional covers. A minimum premium applies. Offer is available for a limited period and may be withdrawn at any time.

^Does not apply to the administration costs or any optional covers that you might choose to include.

• Alloy wheels with locking nuts
• Alloy wheels without locking nuts
• Air filter
• Bucket seats
• Racing seatbelts
• Enhanced carburetor
• Performance Exhaust
• Body Kit
• Spoiler
• Increased engine capacity
• Improved brake system

In some cases, re-sprays, racing or “go faster” stripes and even stickers indicating brand-name stereos are classed as mods by certain insurers. If in doubt, its always best to ask  your broker or insurer.

For quotes for modded cars, try Quotezone – the price comparison site.

If you were at fault, you will almost certainly lose part or all of your NCD, as your insurer will have to pay for
any damages to third parties. If the third party was at fault and you are able to claim damages from their
insurer, your NCD should remain unaffected.

Don’t worry, even if you have 0 years No Claims Bonus, Quotezone price comparison can still get the best deals for you!

Remembering to declare all accidents you have been involved in is vital when purchasing any car insurance policy as insurers require full disclosure, even if the accident was not your fault. You may not know that you are also required to state any accidents where you did not make a claim on your policy.

Most insurance companies and brokers will ask whether or not your NCD was affected by your accident and this will have
an effect on your quote.

Once you have earned 4 years NCD, you have the option to protect your bonus. This is a chargeable amount on top of your insurance premium. You can carry on using this option each year, until you have reached the maximum of 9 years NCD. Drivers with maximum no claims can get substantial discount on their car insurance policy. This is why no claims discount is often referred to as no claims bonus as you get a bonus discount for being a careful driver.

Whilst most insurers and brokers have the same limits for NCD and protected policies, some insurers have a higher limit on the maximum NCD years. A few companies extend the no claims discount scheme to 15 years.

The same is true of the protected no claims discount package. Some providers will only offer protection after the policy holder completes 5 or 6 full years NCD.

Remeber, use Quotezone to find the best deal for any amount of No Claims Bonus.

Specifically targetting young drivers, the campaign is aimed at taking dangerous drivers off the roads to make our streets safer. Police sources and statistics show that about 1 in 20 drivers (5%) drive without valid insurance and this figure includes a disproportionally high number of young drivers.

Uninsured drivers usually commit other road offences such as driving without road tax, a valid MOT and are more likely to be caught speeding or involved in an accident.

As uninsured drivers add around £30 onto the average motorist’s annual insurance premium, the police are urging the public to come forward if they suspect or know of anyone driving around without the correct documentation.

Please ensure you have valid and correct documentation to avoid adding to these statistics.

Remember, use Quotezone to get the cheapest insurance for your vehicle!

Although used tyres can be picked up at bargain prices, recent research shows that these savings could be a false economy. 20 tyres were bought from an online auction house and tested for roadworthiness. The results are not good news for anyone looking for cheap car insurance.

None of the tyres (0 out of 20) passed all the required safety measurements! Two even had less tread than the minimum level by law. This is particularly distressing as getting stopped by the police with such tyres will leave you with a fine,
points on your license and probably a driving conviction. All convictions must be disclosed when purchasing
insurance and they definitely cause an increase in your renewal premium.

Worse still, bald tyres will reduce the grip your car has on the road and increase the likelyhood of you having or
causing and accident. Not only costly but potentially fatal.

It seems that although its tempting to make a good saving on tyres bought on the Internet, be very careful what you
are buying and where possible use authorised stockists and dealers. The savings made on second rate tyres could be
completely wasted through higher insurance premiums.

Speaking of car insurance, if you want a fast cheap quote online, use Quotezone.  They have a fast and easy to use site that gets you prices you want.

This post about winter driving was written a few years ago but the advice is still relevant to our current situation in 2010 so don’t forget to read up and avoid disaster!

The first problem is your car insurance renewal as if you are unlucky enough to pick up any motoring convictions, your insurance premium will be higher as a result. Most convictions must be declared for the next 5 years after receiving them but for some of the more serious offences, the time is extended to 10 years. That means higher insurance premiums for at least 5 years!

If you get too many points on your license you will also receive a TT99. This severely limits your choice of brokers and insurance companies when taking out a new policy.

Thankfully, some insurers are now writing schemes that ignore a SP30 (the most common speeding conviction) if you only have one driver on your policy with this endorsement. Insurers are recognising that the rise in speed cameras on British roads means their clients have a high probability of getting an SP30 conviction. These insurers are champions of cheap motor insurance for convicted drivers!

Although its tempting to “omit” any convictions when discussing a policy, the law requires you to disclose any motoring and non-motoring convictions to your insurer. Failure to do so will invalidate your policy and could add some very
serious convictions such as an IN10 to your driving history. This is disasterous for most motorists as IN10 endorsements are so serious that only a handful of insurers will offer you a policy. Less choice will definitely mean higher insurance prices.

If you need cheap insurance for any conviction, use the Quotezone price comparison site to get great rates.

Below is a table showing all the current conviction codes and penalty points associated with each endorsement. These codes and point are for “aiding, abetting, counselling or procuring” endorsements. Visit the price comparison site Quotezone if you are looking for convicted driver insurance. All the conviction codes for endorsements titled “aiding, abetting, counselling or procuring” end with 2.

For example, aiding, abetting, counselling or procuring an IN10 means you will get a IN12 on your licence. Causing or permitting an LC20 means you will get an LC22 on your licence.

There is another separate post on this site if you want information on the standard conviction codes and points.

Remember, visit Quotezone if you want convicted driver insurance for any “aiding, abetting, counselling or procuring” endorsements at very cheap rates.

UK driving endorsements each have a points value ranging from one to eleven based on the seriousness of the endorsement. The endorsement must stay on your driving license for a pre-determined amount of time ranging from four to eleven years, again based on the offence.

The serious offence list contains drink driving and drug driving offences (codes: DR10, DR20, DR30 and DR80) and causing death by careless driving (codes: CD40, CD50, CD60 and CD70).
Any of these endorsements stay on your driving license for 11 years from the date of the conviction.

Convictions for dangerous/reckless driving or any driving disqualifications stay on your driving license for 4 years from the date of the conviction.
Codes for these convictions are DD40, DD60 and DD80.

All other convictions and endorsements have an expiry period of 4 years from the date of the offence. For example, you get a SP30 speeding endorsement on 21st April 2004. This stays on your driving license until 21st April 2008.

If you collect twelve or more penalty points on your license in any 3 year period, you will be banned from driving under the “totting up” system. This will show as a TT99 endorsement on your driving license. Under the New Drivers Act, if you receive 6 or more points in your first two years of driving, your license is automatically revoked.

If you need quotes for any type of conviction, try Quotezone the insurance price comparison site.