uk – Page 2 – Car PFA

What is Motor Legal Protection on Car Insurance

Posted on May 29, 2018 by blogger

Motor Legal Protection also known as legal expenses/ uninsured loss recovery insurance is designed to help you if a motor accident was not your fault and you have suffered an injury, need a replacement hire vehicle, or incurred other losses which are not covered under your motor insurance policy.

Motor legal protection will help pay for the legal costs to pursue your claim for you to recover costs including (but not exclusively):

-Vehicle repair -Personal injury -Hire vehicle -Loss of earnings -Policy excess -Medical bills -Legal expenses

Everybody is entitled to claim back uninsured losses, however this tends to require a lot of effort. You would personally have to negotiate figures, policy details, keep track of everything and generally spend a large amount of time on the phone. With motor legal protection, you can rely on someone else to do all of that for you. Claims are pursued by legal professionals which makes the process of getting back to the position you were prior to the accident relatively hassle-free. Essentially motor legal protection makes life easier for you as a driver, providing important peace of mind in knowing that your uninsured losses will be recovered.

A word of caution:

Worryingly, many companies offering free motor legal protection show a preference for personal injury claims and dismiss other claims. Prospective buyers should be aware of these shortfalls prior to purchasing a product and are urged to shop around for more comprehensive, better value for money packages. When shopping around for insurance policies it is all too easy to be lured into -No Win No Fee’ type companies which advertise free services, which superficially offer a great, low-cost alternative to what is normally quite an expensive product. However in reality, these clever companies tend to take a percentage of your compensation before the seemingly -full’ sum is deposited into your bank account. The benefit of purchasing motor legal protection insurance means that you do not fall victim to these companies, therefore ensuring that the pay-out you receive is not compromised in any way. The same caution should be applied to more established insurance companies. All too often high commission rates are added on to motor legal protection packages which boosts up the price. The good news is that if people are prepared to shop around and compare, there are some extremely affordable, good-quality policies available on the market which can help give peace of mind in the event of an accident that was not your fault.

Best Price FS is one of the cheapest providers of motor legal protection cover, delivering the most comprehensive uninsured loss recovery in the UK.

Tips For Filling a Car Insurance Claim After an Auto Accident

Posted on December 25, 2017 by blogger

The vacation season and winter really are a deadly combination for your car drivers and automobile accidents. This can be a time when car insurance rates or auto insurance premiums and auto insurance accidents are simply not considered. Why would anyone wish to spoil their fun and joy considering things like this?

The truth is the holidays is definitely the time once the winter as well as the driving habits play a role in higher auto accidents which keep your car insurance companies busy. Hopefully, you should never be inside a automobile accident and never have to file an automobile insurance claim. Here are some ideas which can help in processing of the claims, since research within the start is better than having issues and frustrations of not receiving your vehicle insurance claim through.

1. Please report the vehicle accident towards the police if a person is injured irrespective of the extent of injury. In the event of property damage or car damage can there be, and limits greater than their state limit ought to be reported. This could be normally $1000 for the majority of states in USA.

2. Take reasonable steps to safeguard your car from another loss. Move it of the flow of traffic.

3. Record to the picture or sport specifics of accident, the amount of vehicles round the scene and individuals associated with the badges of the emergency personnel. It might be advisable to take pictures of the scene.

4. Law enforcement may have a driver information-exchange form. Make sure that you have all the details according to the check-list from your other party.

5. When you will find witness towards the accident, collect their names, addresses and telephone numbers to ensure that their statements could be taken at a later time.

6. Any kind of acceptance for the money or fault, or simply no reporting of the accident should not be done. This could prejudice your vehicle insurance provider or perhaps your own auto insurance claim.

7. Call your insurer as quickly as possible following the accident, and make certain that you file an entire claim. It is advisable to follow their advice and instructions because this might result in communication gap as well as later have difficulty in processing the claim.

8. Before getting the vehicle relocated to the garage of your liking, consult the insurer when they have a listing of preferred repair shops in your town. This could save you plenty of issues at a later time using the auto insurance company.

9. Just in case an adjuster is appointed, make certain that your insurance provider agrees to cover all repairs before getting work done on your own car.

10. Just in case you will find supplementary damages found during the time of repair as well as the estimated loss is beginning to change, contact the insurer and obtain if confirmed.

11. Check all repairs in the auto shop as well as whenever you return home to make sure that you will be pleased with the work.

12. Have an official receipt from your repair center that details all of the work they completed. Make certain that name and address of the shop are clearly identified. You may want to submit this together with your insurance claim.

Keep in mind that most of the problems that individuals have using the auto insurance companies are simply due to not pursuing the rules. Unfortunately, the car insurance providers have set rules that they follow and should not be changed.

Dr. T Smith, London, is an expert on the UK car insurance claims market. For more information about car insurance claim help,simply visit our website.

Find Cheaper Car Insurance for Your Ford S-Max by Comparing Quotes

Posted on November 30, 2017 by blogger

When it’s almost time to renew your car insurance for your Ford S-Max, you will receive a renewal notice from your insurance company. If you would like to stay with your current company on your current policy, then you simply need to let your insurer know.

But, there are a couple of reasons why you might not choose to renew, and look at switching to a different company instead. This may be because you feel that you may get better customer service somewhere else, because you feel that you could get cheaper premiums somewhere else, or, quite possibly, both.

The Ford S-Max is not one of the cheaper cars on the market. Its insurance group, depending on model and version, could be as low as insurance group 14 to as high as 27, considerably pricier than more affordable, group 1-5 cars.

There are various steps you can take in order to lower the cost of your premiums. You can take advantage of no-claims discounts, add security features, pass certain driving tests, or even let a black box monitor your driving. But one of the quickest and easiest ways to reduce your premiums will be to sign up for a new policy with a different insurer.

The best ways to get quotes and compare car insurance are:

1) Go online

You can pull up several quotes online by going to one of the many price comparison sites and inputting some basic information about you and your car. Try not to rely on just one site, as they may have information from different insurers, or have slightly different ways of calculating your expected premiums. Here are a couple of good websites to check out:

parkerscompare.parkers.co.uk
switch.com/car-insurance

Make sure that the details you provide are as accurate as possible; otherwise you may end up receiving incorrect quotes. Be diligent in making sure that the site is not making assumptions about you, and select any add-ons that you may be interested in, or your quote will come out much cheaper than what you really need.

2) Use a broker

If you find the process confused or are worried that you’re not finding the absolute cheapest deals available, then you can choose to use a broker. Brokers are great because they won’t try to sell you anything that isn’t the best deal for you. They can point out important differences between prospective policies and help you with your decision.

3) Call the insurance companies directly

Calling several insurance companies to get a quote is likely to be your slowest strategy, and will give you a smaller view of the market as a whole. The one bonus of this strategy is that, by calling insurance companies directly, you may be able to receive cheaper rates than online. It could compel the insurer, who wants you as a customer, to offer attractive deals in order to get you signed up right away.

4) Combine these methods

You don’t have to limit yourself to just one of these three ways of getting car insurance quotes. If you really need to lower your premiums, then be proactive and try to use them all. Carry out an online comparison and get a broker to double check your findings and offer you their own suggestions. Have them take a closer look at deals that you were seriously considering.

You can also find a handful of deals first and then call up each insurer to see if they will actually offer you the online quote based on the details you give them over the telephone, and if you can’t perhaps get it for even cheaper.

What if you want to cancel your policy before the renewal date?

What happens if your renewal date hasn’t come along and you are already having a hard time paying your premiums? Should you switch to a better deal even if it would incur a cancellation fee?

Chances are that your cancellation fee would negate the savings you might make from switching to a new policy, but it is never a bad idea to take out a calculator and double check. If you already have a policy picked out, then you can calculate how much you could save by switching today. If it is less than the cancellation fee, then you will save money and should switch. But, if it is more, then you should wait until your renewal notice comes around.

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Posted on November 17, 2017 by blogger

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Why Chauffeur Driven Car Service Is Need Of The Hour

Posted on November 5, 2017 by blogger

There can be variety of occasions for you to travel to the UK. It can be a business meeting, or it can also be a private engagement, or it can also be a casual holiday tour too. A chauffeur driven car service will always work in your interest in all types of occasions. It can make great difference to your travelling.

Here are some of the promising benefits of choosing a professional car service:

Benefit#1

The service will provide you with the benefit of travelling in your comfort zone. It will give you the comfort to travel anywhere in London or the UK in a well-equipped vehicle and a personal driver. You will experience the luxury and will enjoy travelling in a complete style of your own. Travelling in a chauffeur driven luxury car and that too in beautiful city like London is just a pleasurable experience that is worth every pound you spend.

Benefit#2

The next advantage of hiring the chauffeur driven car service is lot of time saving. You have an important engagement. If you do not reach to your desired destination in time, probably, there can be severe problems. It is for this reason there is an immediate need of the chauffeur driven car.

Benefit#3

You can select the luxury car of your choice from anywhere and at any point of time. This is possible when you go for the online chauffeur service. With wide array of luxury car services available, it would be your biggest advantage to select the chauffeur driven car of your choice; and especially the one that will benefit your travel.

Benefit#4

A certified chauffeur car service company will bring peace of mind. You know very well that you are in the safe hands. The chauffeurs undergo through advanced driving tests and this ensures prime-time safety(if you are travelling in the rush hours) under all circumstances. Besides, you are also aware that the car service company is aware of every little route. And, moreover, you are also aware that the service will keep you safe while you are travelling in the car. A certified company keeps you connected, and it takes you through the places that are of immediate interest.

Keeping the above benefits in your mind, it would be a superb idea if you pre-book the service before you plan to start out for the trip. This will keep everything arranged and pre-planned. You do not have to wait in the long queue after you have landed on the airport.