Cheap car insurance brought to you by multi-quote.com and QuoteZone

Winter Driving Reminder January 21, 2010 No Comments

The UK has really had a hard winter so far.  Hopefully the snow and blizzards are now behind us but you never know what February can bring.

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!

Motoring Convictions – The True Cost January 20, 2010 1 Comment

No-one likes getting flashed by a speed camera. Getting caught speeding will cost you around £60 and add 3 points to your license. The hidden cost of driving convictions is one of the most annoying things about these endorsements.

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.

Conviction Codes – Aiding, Abetting, Counselling or Procuring January 6, 2010 No Comments

Conviction Codes & Penalty Points

Use Quotezone to compare cheap convicted driver insuranceBelow 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.

Conviction
Code
Penalty
Points
Offence
AC12 5 – 10 Aiding, abetting, counselling or procuring failing to stop after an accident
AC22 5 – 10 Aiding, abetting, counselling or procuring failing to give particulars or to report an accident within 24 hours
AC32 4 – 9 Aiding, abetting, counselling or procuring undefined accident offences
BA12 6 Aiding, abetting, counselling or procuring driving while disqualified by order of court
BA32 6 Aiding, abetting, counselling or procuring attempting to drive while disqualified by order of court
CD12 3 – 9 Aiding, abetting, counselling or procuring driving without due care and attention
CD22 3 – 9 Aiding, abetting, counselling or procuring driving without reasonable consideration for other road users
CD32 3 – 9 Aiding, abetting, counselling or procuring driving without due care and attention or without reasonable consideration for other road users
CD42 3 – 11 Aiding, abetting, counselling or procuring causing death through careless driving when unfit through drink
CD52 3 – 11 Aiding, abetting, counselling or procuring causing death by careless driving when unfit through drugs
CD62 3 – 11 Aiding, abetting, counselling or procuring causing death by careless driving with alcohol level above the limit
CD72 3 – 11 Aiding, abetting, counselling or procuring causing death by careless driving then failing to supply a specimen for analysis
CU12 3 Aiding, abetting, counselling or procuring using a vehicle with defective brakes
CU22 3 Aiding, abetting, counselling or procuring causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition
CU32 3 Aiding, abetting, counselling or procuring using a vehicle with defective tyre(s)
CU42 3 Aiding, abetting, counselling or procuring using a vehicle with defective steering
CU52 3 Aiding, abetting, counselling or procuring causing or likely to cause danger by reason of load or passengers
CU82 3 Aiding, abetting, counselling or procuring using a mobile phone while driving a motor vehicle
DD42 3 – 11 Aiding, abetting, counselling or procuring dangerous driving
DD62 3 – 11 Aiding, abetting, counselling or procuring manslaughter or culpable homicide while driving a vehicle
DD82 3 – 11 Aiding, abetting, counselling or procuring causing death by dangerous driving
DD92 3 – 9 Aiding, abetting, counselling or procuring furious driving
DR12 3 – 11 Aiding, abetting, counselling or procuring driving or attempting to drive with alcohol level above limit
DR22 3 – 11 Aiding, abetting, counselling or procuring driving or attempting to drive while unfit through drink
DR32 3 – 11 Aiding, abetting, counselling or procuring driving or attempting to drive then failing to supply a specimen for analysis
DR42 10 Aiding, abetting, counselling or procuring in charge of a vehicle while alcohol level above limit
DR52 10 Aiding, abetting, counselling or procuring in charge of a vehicle while unfit through drink
DR62 10 Aiding, abetting, counselling or procuring failure to provide a specimen for analysis in circumstances other than driving or attempting to drive
DR72 4 Aiding, abetting, counselling or procuring failing to provide specimen for breath test
DR82 3 – 11 Aiding, abetting, counselling or procuring driving or attempting to drive when unfit through drugs
DR92 10 Aiding, abetting, counselling or procuring in charge of a vehicle when unfit through drugs
IN12 6 – 8 Aiding, abetting, counselling or procuring using a vehicle uninsured against third party risks.
LC22 3 – 6 Aiding, abetting, counselling or procuring driving otherwise than in accordance with a licence
LC32 3 – 6 Aiding, abetting, counselling or procuring driving after making a false declaration about fitness when applying for a licence
LC42 3 – 6 Aiding, abetting, counselling or procuring driving a vehicle having failed to notify a disability
LC52 3 – 6 Aiding, abetting, counselling or procuring driving after a licence has been revoked or refused on medical grounds
MS12 3 Aiding, abetting, counselling or procuring leaving a vehicle in a dangerous position
MS22 3 Aiding, abetting, counselling or procuring unlawful pillion riding
MS32 2 Aiding, abetting, counselling or procuring play street offences
MS52 3 – 11 Aiding, abetting, counselling or procuring motor racing on the highway
MS62 As Appropriate Aiding, abetting, counselling or procuring offences not covered by other codes
MS72 3 Aiding, abetting, counselling or procuring driving with uncorrected defective eyesight
MS82 3 Aiding, abetting, counselling or procuring refusing to submit to an eyesight test
MS92 6 Aiding, abetting, counselling or procuring failure to give information as to identity of driver etc
MW12 3 Aiding, abetting, counselling or procuring contravention of special roads regulations (excluding speed limits)
PC12 3 Aiding, abetting, counselling or procuring undefined contravention of pedestrian crossing regulations
PC22 3 Aiding, abetting, counselling or procuring contravention of pedestrian crossing regulations with moving vehicle
PC32 3 Aiding, abetting, counselling or procuring contravention of pedestrian crossing regulations with stationary vehicle
SP12 3 – 6 Aiding, abetting, counselling or procuring exceeding goods vehicle speed limits
SP22 3 – 6 Aiding, abetting, counselling or procuring exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
SP32 3 – 6 Aiding, abetting, counselling or procuring exceeding statutory speed limit on a public road
SP42 3 – 6 Aiding, abetting, counselling or procuring exceeding passenger vehicle speed limit
SP52 3 – 6 Aiding, abetting, counselling or procuring exceeding speed limit on a motorway
TS12 3 Aiding, abetting, counselling or procuring failing to comply with traffic light signals
TS22 3 Aiding, abetting, counselling or procuring failing to comply with double white lines
TS32 3 Aiding, abetting, counselling or procuring failing to comply with ‘Stop’ sign
TS42 3 Aiding, abetting, counselling or procuring failing to comply with direction of a constable/warden
TS52 3 Aiding, abetting, counselling or procuring failing to comply with traffic sign (excluding ‘stop’ signs, traffic lights or double white lines)
TS62 3 Aiding, abetting, counselling or procuring failing to comply with a school crossing patrol sign
TS72 3 Aiding, abetting, counselling or procuring undefined failure to comply with a traffic direction sign
UT52 3 – 11 Aiding, abetting, counselling or procuring aggravated taking of a vehicle

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

Convictions, Endorsements and Penalty Points January 2, 2010 1 Comment

The following article is a summary of the facts around convictions, endorsements and penalty points. The information presented here is correct as of 02-Nov-2007 sourced from DVLA UK organisation.

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.

Conviction Codes – Causing or Permitting January 1, 2010 1 Comment

Conviction Codes & Penalty Points

Use Quotezone to compare cheap convicted driver insuranceBelow is a table showing all the current conviction codes and penalty points associated with each endorsement. These codes and point are for “causing or permitting” endorsements.  Visit the price comparison site Quotezone if you are looking for convicted driver insurance.  All the conviction codes for endorsements titled “causing or permitting” end with 4.

For example, causing or permitting an AC10 means you will get a AC14 on your licence.  Causing or permitting an SP30 means you will get an SP34 on your licence.

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

Conviction
Code
Penalty
Points
Offence
AC14 5 – 10 Causing or permitting failing to stop after an accident
AC24 5 – 10 Causing or permitting failing to give particulars or to report an accident within 24 hours
AC34 4 – 9 Causing or permitting undefined accident offences
BA14 6 Causing or permitting driving while disqualified by order of court
BA34 6 Causing or permitting attempting to drive while disqualified by order of court
CD14 3 – 9 Causing or permitting driving without due care and attention
CD24 3 – 9 Causing or permitting driving without reasonable consideration for other road users
CD34 3 – 9 Causing or permitting driving without due care and attention or without reasonable consideration for other road users
CD44 3 – 11 Causing or permitting causing death through careless driving when unfit through drink
CD54 3 – 11 Causing or permitting causing death by careless driving when unfit through drugs
CD64 3 – 11 Causing or permitting causing death by careless driving with alcohol level above the limit
CD74 3 – 11 Causing or permitting causing death by careless driving then failing to supply a specimen for analysis
CU14 3 Causing or permitting using a vehicle with defective brakes
CU24 3 Causing or permitting causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition
CU34 3 Causing or permitting using a vehicle with defective tyre(s)
CU44 3 Causing or permitting using a vehicle with defective steering
CU54 3 Causing or permitting causing or likely to cause danger by reason of load or passengers
CU84 3 Causing or permitting using a mobile phone while driving a motor vehicle
DD44 3 – 11 Causing or permitting dangerous driving
DD64 3 – 11 Causing or permitting manslaughter or culpable homicide while driving a vehicle
DD84 3 – 11 Causing or permitting causing death by dangerous driving
DD94 3 – 9 Causing or permitting furious driving
DR14 3 – 11 Causing or permitting driving or attempting to drive with alcohol level above limit
DR24 3 – 11 Causing or permitting driving or attempting to drive while unfit through drink
DR34 3 – 11 Causing or permitting driving or attempting to drive then failing to supply a specimen for analysis
DR44 10 Causing or permitting in charge of a vehicle while alcohol level above limit
DR54 10 Causing or permitting in charge of a vehicle while unfit through drink
DR64 10 Causing or permitting failure to provide a specimen for analysis in circumstances other than driving or attempting to drive
DR74 4 Causing or permitting failing to provide specimen for breath test
DR84 3 – 11 Causing or permitting driving or attempting to drive when unfit through drugs
DR94 10 Causing or permitting in charge of a vehicle when unfit through drugs
IN14 6 – 8 Causing or permitting using a vehicle uninsured against third party risks.
LC24 3 – 6 Causing or permitting driving otherwise than in accordance with a licence
LC34 3 – 6 Causing or permitting driving after making a false declaration about fitness when applying for a licence
LC44 3 – 6 Causing or permitting driving a vehicle having failed to notify a disability
LC54 3 – 6 Causing or permitting driving after a licence has been revoked or refused on medical grounds
MS14 3 Causing or permitting leaving a vehicle in a dangerous position
MS24 3 Causing or permitting unlawful pillion riding
MS34 2 Causing or permitting play street offences
MS54 3 – 11 Causing or permitting motor racing on the highway
MS64 As Appropriate Causing or permitting offences not covered by other codes
MS74 3 Causing or permitting driving with uncorrected defective eyesight
MS84 3 Causing or permitting refusing to submit to an eyesight test
MS94 6 Causing or permitting failure to give information as to identity of driver etc
MW14 3 Causing or permitting contravention of special roads regulations (excluding speed limits)
PC14 3 Causing or permitting undefined contravention of pedestrian crossing regulations
PC24 3 Causing or permitting contravention of pedestrian crossing regulations with moving vehicle
PC34 3 Causing or permitting contravention of pedestrian crossing regulations with stationary vehicle
SP14 3 – 6 Causing or permitting exceeding goods vehicle speed limits
SP24 3 – 6 Causing or permitting exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
SP34 3 – 6 Causing or permitting exceeding statutory speed limit on a public road
SP44 3 – 6 Causing or permitting exceeding passenger vehicle speed limit
SP54 3 – 6 Causing or permitting exceeding speed limit on a motorway
TS14 3 Causing or permitting failing to comply with traffic light signals
TS24 3 Causing or permitting failing to comply with double white lines
TS34 3 Causing or permitting failing to comply with ‘Stop’ sign
TS44 3 Causing or permitting failing to comply with direction of a constable/warden
TS54 3 Causing or permitting failing to comply with traffic sign (excluding ‘stop’ signs, traffic lights or double white lines)
TS64 3 Causing or permitting failing to comply with a school crossing patrol sign
TS74 3 Causing or permitting undefined failure to comply with a traffic direction sign
UT54 3 – 11 Causing or permitting aggravated taking of a vehicle

Remember, visit Quotezone if you want convicted driver insurance for any “causing or permitting” endorsements at very cheap rates.

Happy 2010 Everyone! No Comments

Great news, 2010 is now here :)

2010 should be the year when the world finally pulls out of recession and all the major economies register some serious positive growth.  The expected house price increases may bring a rise in interest rates or perhaps a bit of inflation but overall we should all end up much better off by this time next year.

Have a great weekend, its back to work on Monday ;)

If you like twitter then today is a New Years Day #followfriday so make the most of it, that won’t happen again for a few years.

Conviction Codes December 31, 2009 6 Comments

Conviction Codes & Penalty Points

Use Quotezone to compare cheap convicted driver insuranceBelow is a table showing all the current conviction codes and penalty points associated with each endorsement.  Visit the price comparison site Quotezone if you are looking for convicted driver insurance.

Conviction
Code
Penalty
Points
Offence
AC10 5 – 10 Failing to stop after an accident
AC20 5 – 10 Failing to give particulars or to report an accident within 24 hours
AC30 4 – 9 Undefined accident offences
BA10 6 Driving while disqualified by order of court
BA30 6 Attempting to drive while disqualified by order of court
CD10 3 – 9 Driving without due care and attention
CD20 3 – 9 Driving without reasonable consideration for other road users
CD30 3 – 9 Driving without due care and attention or without reasonable consideration for other road users
CD40 3 – 11 Causing death through careless driving when unfit through drink
CD50 3 – 11 Causing death by careless driving when unfit through drugs
CD60 3 – 11 Causing death by careless driving with alcohol level above the limit
CD70 3 – 11 Causing death by careless driving then failing to supply a specimen for analysis
CU10 3 Using a vehicle with defective brakes
CU20 3 Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition
CU30 3 Using a vehicle with defective tyre(s)
CU40 3 Using a vehicle with defective steering
CU50 3 Causing or likely to cause danger by reason of load or passengers
CU80 3 Using a mobile phone while driving a motor vehicle
DD40 3 – 11 Dangerous driving
DD60 3 – 11 Manslaughter or culpable homicide while driving a vehicle
DD80 3 – 11 Causing death by dangerous driving
DD90 3 – 9 Furious driving
DR10 3 – 11 Driving or attempting to drive with alcohol level above limit
DR20 3 – 11 Driving or attempting to drive while unfit through drink
DR30 3 – 11 Driving or attempting to drive then failing to supply a specimen for analysis
DR40 10 In charge of a vehicle while alcohol level above limit
DR50 10 In charge of a vehicle while unfit through drink
DR60 10 Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive
DR70 4 Failing to provide specimen for breath test
DR80 3 – 11 Driving or attempting to drive when unfit through drugs
DR90 10 In charge of a vehicle when unfit through drugs
IN10 6 – 8 Using a vehicle uninsured against third party risks.
LC20 3 – 6 Driving otherwise than in accordance with a licence
LC30 3 – 6 Driving after making a false declaration about fitness when applying for a licence
LC40 3 – 6 Driving a vehicle having failed to notify a disability
LC50 3 – 6 Driving after a licence has been revoked or refused on medical grounds
MS10 3 Leaving a vehicle in a dangerous position
MS20 3 Unlawful pillion riding
MS30 2 Play street offences
MS50 3 – 11 Motor racing on the highway
MS60 As Appropriate Offences not covered by other codes
MS70 3 Driving with uncorrected defective eyesight
MS80 3 Refusing to submit to an eyesight test
MS90 6 Failure to give information as to identity of driver etc
MW10 3 Contravention of special roads regulations (excluding speed limits)
PC10 3 Undefined contravention of pedestrian crossing regulations
PC20 3 Contravention of pedestrian crossing regulations with moving vehicle
PC30 3 Contravention of pedestrian crossing regulations with stationary vehicle
SP10 3 – 6 Exceeding goods vehicle speed limits
SP20 3 – 6 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
SP30 3 – 6 Exceeding statutory speed limit on a public road
SP40 3 – 6 Exceeding passenger vehicle speed limit
SP50 3 – 6 Exceeding speed limit on a motorway
TS10 3 Failing to comply with traffic light signals
TS20 3 Failing to comply with double white lines
TS30 3 Failing to comply with ‘Stop’ sign
TS40 3 Failing to comply with direction of a constable/warden
TS50 3 Failing to comply with traffic sign (excluding ‘stop’ signs, traffic lights or double white lines)
TS60 3 Failing to comply with a school crossing patrol sign
TS70 3 Undefined failure to comply with a traffic direction sign
TT99 N/A To signify a disqualification under ‘totting – up’ procedure. If the total of penalty points reaches 12 or more within three years, the driver is liable to be disqualified
UT50 3 – 11 Aggravated taking of a vehicle

Remember, visit Quotezone if you want convicted driver insurance at very cheap rates.

Happy New Year December 30, 2009 No Comments

Happy New Year to all!

From all the staff at multi-quote.com :)

Travel Insurance and the European Health Insurance Card June 25, 2009 1 Comment

Travel Insurance and the European Health Insurance Card

If you are off some where nice like the Athena Royal Beach Hotel this year for your summer holiday then don’t forget to get the right travel insurance cover and your European Health Insurance Card.  Most UK insurance companies will void your cover if you make a claim without one of these cards in place so its vital that you get this done a few weeks before you go abroad.  Its free to get one so use the link above to apply today just in case you are unfortunate and need to make a claim abroad.

There are loads of great places to get your travel insurance and lots of different types of cover available.  If you are thinking about going on another trip this year then it probably makes sense to buy an annual policy so that you don’t need to buy a second insurance policy later in the year.

Don’t forget to pick the right amounts for your valuables and contents cover, its easy to under estimate the true worth of your items and things like wedding rings might slip your mind.  If you have a problem abroad its much easier to claim for items that you have specified upfront when buying your travel insurance policy.

Finally, if you do buy a policy and you are going to Cyprus or another hot country, you probably don’t need winter sports cover so make sure you exclude that from your travel insurance policy.

Well thats the insurance bit out of the way, remember the 3 rules:

  1. Get your european health insurance card
  2. Get the right travel insurance policy for your trip
  3. Have a great time :)

Server Moves Upgrades June 12, 2009 No Comments

The IT guys have told me that there is some technical reason that we need to move servers or IPs or something like that.

For that reason our servers may be offline during the weekend of 13th and 14th June 2009 but the disruption should be all cleared up by Tuesday 16th June 2009 at the latest.