Car Insurance - How To Make A Claim

There are over 31 million cars on Britain's roads. With such a vast amount of traffic, it's no surprise that everyday there are over 10 thousand accidents reported.

Over the course of your lifetime it's likely that you will be involved in at least one road traffic accident.

So, seeing as the chances are stacked in your favour of being involved in a car accident, here's a handy guide on making a claim.

• Inform your car insurance company as soon as possible after the accident has occurred. Obtain the name and car insurance details of all other parties involved and then pass those details on to your insurer. You insurers will deal with all communications with the other affected parties on your behalf.

• If your car has been stolen then report it immediately to the police. They will give you an incident number which you will need to pass to your insurers.

• Be consistent with you account of what happened, as any deviation in your story could potentially jeopardise the outcome of your claim.

• Your car insurance company will tell you where to take your car for repairs. Don't take your car to your local garage hoping that the insurers will cover the costs. Insurance companies normally have approved garages in your area that they use to carry out accident repair work.

• Keep copies of all correspondence linked with your car insurance claim. Try to keep a record of all forms of communications you receive as you may need to refer to these at a later date.

Classic Car Insurance - How to Get It At Discount Prices

If you own a classic car it's likely that you tend to worry about it and baby it. You also tend to spend a fortune insuring it. Not every company caters to the special insurance needs of the classic car enthusiast, and those that do tend to charge an arm and a leg. Fortunately there are ways of saving as much as 30% to even 40% on the cost of your classic car coverage, and most of them are staring you right in the face.

Let's start with some of the simpler things you can do. These first few things will not save you very much individually, but combined they can save you as much as 10 to 12% on your monthly premium. At the end of this article I'll tell you the simple secret for saving as much as 30% in one fell swoop.

Pay your premium directly out of your checking or savings account automatically every month. It costs your company several dollars to prepare and mail your bill every month, so if you save them that expense they are willing to pass that savings on to you.

If you are married list the wife as the primary driver of all vehicles and the husband as the secondary driver. The reasoning behind this is that women pay less for insurance than men do, so listing the wife as the primary driver saves you a fair amount of cash.

Garage your car at night. If you own a classic car you probably don't need to be reminded of this, but keeping your vehicle in a garage at night cuts down on the cost of your insurance.

Increasing your deductible will decrease your monthly premium. Obviously you want to make sure that you don't increase your deductible to the point that you can't afford to pay for it should you have a claim.

The number one thing you can do to shave as much as 30% off the cost of your classic car insurance is actually one of the simplest things in the world. Just buy your policy online. How does this save you so much money?