Posted on 13th January 2011 by admin in Motor Car
Cost, Drink, Driving, Insurance, true
Nowadays with the regular costs of motoring on the rise many motorists are slicing down on the money they spend whether it’s travelling throughout their town to find the cheapest petrol prices or simply trying to cut back on using their automobiles so much. One of the main areas drivers are healthy to cut back on the expense of owning a automobile is insurance.
Car Insurance for the right mortal can be a evenhandedly cheap expense whereas if you’re a evenhandedly reckless driver then automobile insurance can become a nightmare and even force people off the road due to the crippling costs. How do some people acquire low insurance premiums then? Well it is all based on risk assessment, the insurance company’s judge from your record and the model of automobile that you drive how risky it will be to cover you.
If you’ve got a small engine and a clean license then there’s each chance that with a few years of uneventful driving that you’ll get a nice discount. However if you’re driving a high powered super automobile or have a few driving convictions and claims on your record then unfortunately you’ll be looking at premiums well above the thousands of pounds mark.
A current study into motorists has found something that everyone should refrain partially because it is against the law and deadly but will also send your insurance costs skyrocketing: Driving under the influence. Driving after you have had an alcoholic drink and being convicted of doing so can send people’s car insurance premiums up by as much as 91%.
Other examples of poor driving such as speeding can raise insurance premiums by ten percent with continual offenders ending up with increases around 83 percent. As well as this expense if you drive recklessly in this manner then you are much more likely to be at fault in a road happening which would rob you of any no claims bonus that you might have accrued.
No claims bonuses are treasured by motorists as of late as it is often one of the few ways drivers can cut their premiums down to a manageable size, driving whilst under the influence can take away not only your license and give you a driving ban but it can mean that when you eventually become eligible again that you will struggle to find an insurer let alone a favourable premium cost.
Andy Adams is an IT worker and experienced writer
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Posted on 11th January 2011 by admin in Motor Car
Forward, Green, Insurance
Nowadays everyone is looking for a way to make their lives a tiny greener, and there are hundreds of ways to go about it. Previously making a difference to the environment focused on recycling your wine bottles and changing all your light bulbs to the energy saving variety.
Fast forward a few years and there are now hundreds of weird and wonderful ways to save the planet. Holiday companies offer you the opportunity to offset the carbon emissions from your plane journey by paying a small sum which could be used to plant trees.
Supermarkets offer incentives in you take back your plastic bags for another shopping run. Even banks have been known to entice customers with green accounts which pay a small dividend to various green causes. It seems that crossways all areas of a person’s life there are ways to make it greener, and now that even extends to cars.
Motoring has never been thought of as a green pursuit. In fact for years driving your automobile was considered one of the worst ways to pollute the environment. In particular anyone who bought a 4×4 vehicle; once the preserve of country folk and now the fashion accessory of trendy young mums; was considered positively against the environment. But things have started to change. Firstly a new range of green automobiles were released onto the market, which included fuel hybrids that claimed to be less polluting. Next came small city cars, some of which could run on electricity, which were defiantly less polluting. There was a brief spell when auto-gas was acquirable as a lower cost lower pollution option.
Now there are websites springing up all over the world wide web offering advice on how to navigate through the green automobile maze and select the ideal environmentally friendly motoring option for you. And it is not just the younger generation who are in on the act, driving greener automobiles has become favourite with people crossways the board.
It was not surprising considering the way things were going, that after the introduction of green cars, green automobile insurance would follow. One such insurance bourgeois is The Green Insurance Company, who claims that they will offset the environmentally unfriendliness of any automobile insured with them by planting trees. In addition they give 5 percent of their profits to charity and offer cheaper insurance deals for drivers of low emission vehicles.
The company has been built on an ethos of ‘reduce, recycle and reuse’ and acts on this by recycling as much of a car’s metal as doable if it has been written off and encouraging the use of reconditioned automobile parts where possible. It nearly sounds too good to be true. Could this be the new way forward for automobile insurance, where green behaviours are rewarded with additional discounts and continual action to save the environment is carried out as a major part of the business. It seems that with the current popularity of the green trend amongst all sectors that this could be the case.
Danielle is an author of several articles pertaining to Car Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.
