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By providing this service of links to other sites, we do not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to our website. Opinions and/or links on this Web site are for general information purposes only.

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Auto Insurance (8)

Article

If you increase the excess payment on your car insurance you'll save a lot on your premium. This article explains. Why Excess payments are so important to drivers

An excess payment is the fixed contribution you must pay each time your car is repaired through your car insurance policy. Normally the payment is made directly to the accident repair garage when you collect the car. If your car is declared to be a write off, your insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you.

If the accident was the other drivers fault, and this is accepted by the third party's insurer, you'll be able to reclaim your excess payment from the other person's insurance company.

What is a Compulsory Excess?

A compulsory excess is the minimum excess payment your insurer will accept on your insurance policy. Minimum excesses do vary according to your personal details and driving record and by insurance company. Today the average excess is around £100, but younger drivers could be faced with excesses of up to £500 - whilst more mature, experienced drivers with a good driving record, could be offered an excess of just £50.

So what is a Voluntary Excess?

In order to reduce your insurance premium, you may offer to pay a higher excess than the compulsory excess demanded by your insurance company. Your voluntary excess is the extra amount over and above the compulsory excess that you agree to pay in the event of a claim on the policy. As a bigger excess reduces the financial risk carried by your insurer, your insurer is able to offer you a significantly lower premium.

The garage has repaired my car but it won't release the car too me until I pay the policy excess to them. Is this right?

Yes, that is normal practice. But make sure you inspect the car when you collect it. Satisfy yourself that the repair is perfect. Then make sure you keep their receipt for your excess payment as you will need this if you're reclaiming against a third party's insurance. And just in case there's a dispute, it's a good idea to make sure the repair garage gives you a repair schedule. This will list all the repairs that were made to you car.

Motor Insurance Motor Insurance
Cheaper car insurance quotes - apply online today to see how much you could save.
http://www.edwards-associates.co.uk/insurance/motor.htm

Breathalyzers UK shop
Discount breathalyzers has oneof the largest range of alcohol breathalysers in the UK. We stock a wide range for personal and professional use, including the AL6000, AL5000, CA2000 and Alcohawk series. We also sell accessories and offer calibration.
http://www.discountbreathalysers.co.uk/
Mexican Auto Insurance Mexican Auto Insurance
Quickly insure your Auto, RV, Boat or Trailer for travel in Mexico. Mexican Auto Insurance including EXCLUSIVE Emergency Medical Assistance benefits at no additional cost.Pay online, Print,and GO!
http://www.mexicaninsurancestore.com/
Auto Insurance Helper Auto Insurance Helper
Auto Insurance Helper will assist you with all of your car insurance questions. Know exactly what coverage you need and exactly what you are getting. Understand your auto policy and know how to file a claim. Save money by comparison shopping and getting auto insurance online quotes.
http://www.auto-insurance-helper.com/
Auto Insurance Quotes Auto Insurance Quotes
Auto insurance instant gratification, courtesy of All Insurance Solutions.
http://www.allinsurancesolutions.com/
Compare Auto Insurance Compare Auto Insurance
You know you need it, so come get the auto insurance you need from Chap Arnold Insurance
http://www.chaparnoldinsurance.com/
Driving in Mexico Driving in Mexico
Includes information on emergency services, legal rights, customs, permits, government organizations and driving in Mexico.
http://www.car-insurance-for-mexico.com/
Mexico Auto Insurance Mexico Auto Insurance
Private Health Associates, U.S. offers Mexico insurance services online. Apply now for online purchase, auto, home and recreational vehicle coverage in Mexico.
http://www.phahealth.us/

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