Car Insurance Comparison

Lower Car Insurance Premiums for Senior Drivers

Emmie Sahlan — Sat, 04 Feb 2012 21:17:14 +0000

Many people have the impression that drivers over a certain age start to lose their coordination, memory skills and alertness behind the wheel. However, a study by one of Australia’s major insurers has revealed that drivers aged 55 and over make fewer car insurance claims. Also, the claims that were made by drivers of that age involve lower amounts than those made by drivers aged between 31 and 50.

It was also determined that drivers aged over 55 are less likely to speed or send text messages on the road. These findings show that senior drivers are safe drivers, and are in an ideal position to make the most of that fact.

Here are 7 ways to help save money on premiums for senior drivers:

1) Low car usage insurance

Older drivers may find they need to drive less often, as they may not be in the workforce anymore. With this being the case, senior drivers may be able to find car insurance designed for drivers with low annual kilometres, which is one way they can save on premiums.

2) Senior Card holder’s discount

Many car insurance companies offer Senior Card holders a discount on their car insurance premium. Make the most of this privilege, if you’re eligible, for savings in the long run. Senior drivers may also be also eligible for an insurance discount if they attend a Driver Safety Course; check with the insurer for details.

3) Clean driving record

Car insurance rates for senior drivers are generally cheaper as they are deemed to be experienced drivers. Thus, they are less of a risk to insure compared to younger drivers. maintaining a clean driving record is important for senior drivers, as this helps to keep your car insurance premium lower.

4) Car safety features

A low-key car with safety features such as power brakes and steering, as well as perhaps automatic transmission, helps to give a safer driving experience and hence may lower car insurance rates. Moreover, a safety-conscious car requiring less physical effort to drive helps to keep you safe on the road.

5) Eliminate unnecessary coverage

Another way for seniors to save on car insurance rates is to eliminate insurance coverage that is not needed, such as towing or breakdown coverage, if they are already covered under a separate roadside assistance program.

6) Increasing the excess

The excess is the out-of-pocket expenses a car insurance policy holder has to take care of before making a claim. By paying an excess of $200 to $500, the premium for comprehensive car insurance may be lowered by 15 percent to 30 percent. In other words, if seniors are comfortable with paying a high excesses if there is a need to make a claim in the future, then they can make savings on car insurance rates in the present.

7) Compare car insurance quotes

Many seniors simply renew each year with the same car insurer and policy. This may be a mistake, as senior drivers may miss out on a better deal elsewhere if they don’t compare car insurance rates and discounts for senior drivers. The habit of car insurance comparison is well worth the effort as you may make substantial savings in the long run.

Senior drivers should look at ways to help lower their premiums, so that they can save their money for a comfortable retirement lifestyle. The money saved can be channeled towards other expenses such as health insurance or travel.

Car Insurance Application Checklist: What Do You Need?

Jennifer — Thu, 02 Feb 2012 22:32:48 +0000

Whatever level of car insurance you chose to purchase, there are several key pieces of information that you’ll need when you apply. Insurers base their premium quotes on a variety of factors, and what may seem at first glance like irrelevant facts might affect the premium that you are quoted.

To get the most accurate quote, you’ll need to have all the information available to give to the insurance company. Of course, every insurer may offer a different quote, and so a car insurance comparison will yield a range of results. Here is a checklist so you can be prepared to provide the prospective insurers with the right information.

Image by Alan Vernon

Car Insurance Comparison Checklist

Who’s going to be driving the car? This is an important piece of information, as car insurance quotes are typically partly based on the age of the driver. Generally, new or young drivers have much higher premiums than those with more driving experience.
All of your contact information – full, legal name, address, phone number and mobile, as well as personal information such as age, citizenship and date of birth.
Your driving history, including any car insurance claims you’ve made in the last five years. Unfortunately for drivers who’ve had accidents, this may negatively impact upon car insurance rates, but if the claims were minimal they may affect your premiums only minimally.
If you don’t have any claims within the past five years, when is the last time you made a car insurance claim? The cleaner your driving bill, the lower your premium, in general.
How much do you currently drive? How many kilometres do you typically drive on a daily, weekly etc. basis? How many kilometres are left on the car?
All of the details about your car – make and model, how old it is, is it first hand or second hand, and so on. A brand new car may mean a higher or lower premium than an old car that already has on it many kilometres, depending on the type of car insurance cover you choose.
Where do you normally park your car? Where do you leave it while you’re at work, and so on? Premium calculations may take into account the safety of the location where your car is kept.
Where do you keep your car overnight? In a driveway or garage is a more secure option than on the street.
Does your car have modifications or extra options fitted? The snazzier you have outfitted your car, the higher your premium may be.
Have you invested in any safety features for the vehicle? If so, some insurers may quote a lower car insurance premium.
Is the car owned or leased? Where and when did you obtain the vehicle?
How much is the car worth in today’s market?
Do you use the car for personal use, business or both?

It Pays to be Honest

You might find that you could, in theory, answer whatever you want to some of these questions, as the insurance company would have a hard time confirming some of the answers. For example, they’re not likely to send a private investigator out to your house at 3:00 in the morning to check where you keep the car overnight.

That said, if you are less than honest in your car insurance application and you do end up making a claim, which then doesn’t match the details you originally supplied, you may find that your claim is denied. It pays, literally, to give the correct information so that you have coverage for what you need when you need it.

Car Insurance Perth

JE Cornett — Tue, 31 Jan 2012 21:40:55 +0000

Moving to Perth? Considering relocating to a Western Australian suburb of Perth? If you’re on the move to Western Australia’s largest city, make sure you and your car are up to speed by brushing up on what car insurance cover is required and what is recommended. Even if you’re a lifelong Perth resident, this is information that can help you to make the best car insurance decisions for your area.

Image by Twodogz photography

Car Insurance Requirements in Perth

Drivers in Perth are required to carry Compulsory Third Party insurance, or CTP cover. In Perth, CTP cover is provided by the Insurance Commission of Western Australia (ICWA), and is paid for and issued when you register your vehicle.

CTP cover in Perth insures you against claims of personal or fatal injury caused to others as a result of an accident deemed to be your fault. Anyone driving your vehicle licensed in WA is covered by your CTP cover.

The CTP cover issued in Perth does not cover you for damages to others’ vehicles or property, or for injuries sustained by to the driver or damages to the owner’s vehicle in instances where the owner or owner’s vehicle is at fault.

Limited Required Cover

While the CTP cover issued by ICWA protects you against financial damages due to injuries or fatalities in accidents where you are at fault, that is the limit of CTP cover. You are not covered for damages incurred to your car or others’ cars or property in accidents where you are at fault, nor is your vehicle covered for damages when another driver who is carrying CTP cover only is at fault.

Carrying extended insurance cover above and beyond CTP cover, then, may be sensible depending on your car and your situation. If you think that additional car insurance is a waste of money because your chances of being involved in an accident are low, think again – the ICWA reports that over 13,000 vehicles registered in WA were involved in crashes in 2011 alone. When you consider that almost 75% of WA’s population is concentrated in the Perth metro area, then your chances of being in an accident are even higher if you live in Perth.

Car Insurance Cover for City Life

Living and driving in a busy urban area like Perth comes with challenges that rural dwellers do not face. Crowded city streets are like magnets for cars and crashes. Higher crime rates and street parking in cities mean that car theft and vandalism are common. Failing to purchase car insurance that covers you for city conditions may leave you out of pocket if you are involved in an accident or your car is damaged or stolen.

Comprehensive car insurance cover protects you from many of the costs of unwanted events that may happen to your car. Damages to your vehicle and others’ vehicles and/or property may be covered in the event of an accident, regardless of whom is at fault, you or another driver. Furthermore, your car may be covered for losses or damages due to theft, vandalism, fire and other harm.

If your car is a clunker that hardly seems worth insuring, third party liability car insurance can cover your financial liability in the event that you damage another’s car or property in an accident. Third party liability car insurance is relatively cheap, and can be combined with theft and fire cover for just a little more premium cost.

Driving in a large metropolitan area like Perth comes with challenges that the legally required CTP insurance cover simply may not meet. Talk to your insurer or a car insurance agent about the car insurance cover that’s right for you as a Perth resident.

Car Insurance Comparison Australia: 2011 in Review

Jennifer — Fri, 27 Jan 2012 23:42:34 +0000

There were several interesting developments in the car insurance industry in 2011. As we move on with 2012, here are some memorable events that took place – some of which will continue to impact Australians in the coming years.

Lower Crime Rates in ACT

Australians in the Australian Capital Territory reported a staggering 37% fewer car theft crimes in 2011 than in previous years. That may translate into lower future insurance premiums for drivers in the area. Those in other areas may still find excellent premiums, too, if you compare car insurance to ensure that the options you choose are competitive. Taking the first car insurance you see may result in an expensive premium for the same coverage as may be provided by another insurer who charges significantly less. Two insurers may provide the similar cover at price differences of up to several hundred dollars.

Image by Boegh

Canstar Ratings for Top Car Insurers in 2011

Financial ratings firm Canstar Cannex rated Australia’s car insurance companies for overall value and price for 2011. One remarkable result of their findings is that drivers who claim that they are not satisfied with their past experiences with car insurers are still not always interested in switching providers. A simple car insurance quotes comparison may show that they could get lower premiums for the same coverage that they currently have, but a poll of 3,000 motorists showed that only 15% said they would be interested in looking for a better deal. That’s very few people, considering the savings they may be able to make on premiums by making the switch.

When comparing policies and premiums online, the top rankings for overall value went to AAMI and Budget Direct, who gave the best policy for the money. Suncorp got the highest ratings for claims services for the second year in a row.

Young Drivers Pay Higher Premiums

The younger the driver, the higher the insurance premiums, is the general rule. Insurers typically believe that the less experienced the driver, the riskier he is and the more likely he will make a claim on his policy. In fact, a new 18 year old driver may pay triple or even quadruple the premium for the same level of coverage as a seasoned adult driver.

There are a few methods for reducing your premium as a young driver. One is to add an adult as a driver on the car. It’s illegal to make an adult the main driver in order to reduce premiums if they are not the genuine primary driver, and if the insurer finds out you’ve done this, they may have your claims denied or your policy cancelled.

Other ideas are to pay the full annual payment up front as opposed to in monthly installments, which may cut of the total cost by eliminating some fees. You can also invest in safety measures that may reduce car insurance premiums, such as comprehensive security systems.

Car Insurance Policy Contracts to Get Simpler

One major problem with car insurance policies is that the documents are often long to read, up to 25 pages; yet read them you must, if you want to be informed about what the policy covers. This makes it somewhat difficult, and definitely time consuming, to know what’s going on with your policy, and you don’t want any insurance surprises should you one day be involved in a driving accident or find your car stolen or vandalised.

Hiring a financial advisor helps to get through the paperwork more easily, but that may come at a high price. The Australian Securities and Investments Commission (ASIC) is piloting a plan to make it more affordable to hire a financial advisor for a streamlined product at a value price, and this will hopefully help.

Yet another option is to compare car insurance policies online to find some of the better policies for your needs. If you read the coverage summaries and compare car insurance quotes online, you may have an easier time wading through the small print when you actually sign up.

Car Insurance SA

JE Cornett — Wed, 25 Jan 2012 21:47:40 +0000

Car insurance requirements differ from region to region. This information is specific to South Australia, and should not be applied to other regions.

Buying car insurance is tricky business — while it’s financially risky to carry too little cover, there’s no need to pour money down the drain on cover you do not need. If you’re shopping for car insurance in South Australia, here’s the lowdown on what cover you must have, and what you can add in order to increase your property and liability protection.

Image by mynameisharsha

Compulsory Third Party Insurance Cover

Compulsory Third Party Insurance, or CTP cover, is mandatory for all vehicles registered in South Australia. The good news is, this is one insurance policy you don’t have to worry about purchasing yourself — you’re covered as soon as you register your vehicle, because part of your registration fee goes toward payment for CTP cover.

However, don’t assume that just because you’re registered and have CTP cover that your insurance worries are over. CTP cover offers very limited liability cover. CTP only covers the costs associated with personal injuries sustained by people who are injured in accidents in which you are at fault, and, in limited cases, it may also cover injuries sustained when a passenger is at fault.

CTP does not cover injuries sustained by drivers who are at fault, nor does it cover damages to victims’ vehicles or other property. Furthermore, CTP cover in South Australia will not provide full compensation to victims who are partially at fault for their injuries, such as people who are not wearing seat belts.

Expanding Your Insurance Cover

Just because CTP is mandatory does not mean that you should rely on this cover alone — doing so may leave you vulnerable to heavy financial liabilities should you be involved in an accident where you are at fault. Comprehensive and third party property and/or fire and theft policies are available to help residents of South Australia meet their legal and financial obligations if they are at fault in an accident.

Comprehensive car insurance cover will usually cover the cost of damage or loss both of your property and the property of others should you be at fault in a crash. This insurance typically covers your vehicle and other vehicles or property you damage in accident in which you are at fault. Additionally, comprehensive insurance may cover other damage to –or complete loss of– your vehicle, such as damage resulting from fire, natural disaster or vandalism, and theft of your vehicle or parts of your vehicle.

If you’re not worried so much about the cost of repairing or replacing your car as you are about being financially liable for another person’s property in the event of an accident, third party property car insurance cover may be just right for you. Those who drive older or high mileage vehicles may decide that they are not worth the expense of comprehensive cover.

Third party property insurance covers you for the costs of replacing or repairing vehicles or other property damaged in an accident in which you are at fault. Third party property insurance is relatively inexpensive, and for a bit more money, you can also add fire and theft cover for your own car, which will cover your car in the event it is damaged or destroyed by fire, or stolen.

Car Insurance Cover Extensions – Do You Need Them?

Robert — Mon, 23 Jan 2012 21:22:45 +0000

An investment – that is essentially what a car, or any type of vehicle, becomes the moment you buy it. Like a house, or stocks and shares, a car is an asset, something of value that should serve you well. And since your car is not just any kind of asset but one that is on the move, you need to protect yourself from the costs of driving accidents and other unwanted incidents.

Basic Car Insurance

This is where car insurance comes in. Statistics show that transportation costs take up a large chunk of an average household’s income, and expenses resulting from car accidents have ballooned to cost billions per year. Car accident costs include medical expenses, repair and property damage costs, lost time, legal expenditures and at the worst, loss of life. This is why all car owners legally must have a minimum of Compulsory Third Party car insurance cover.

Image by edkohler

Kinds of car insurance covers depend on the insurer. However, these are the underlying cover levels, though they may be under different names or terms:

Compulsory Third Party Cover: Covers only injuries or death to other people in an accident
Third Party Property: Covers only damage to other people’s property
Third Party Property, Fire, and Theft: Covers damage to other people’s property, as well as damage or loss caused by theft or fire to your car
Comprehensive: Covers damage to your car and property, as well as the other covers above

What are Car Insurance Cover Extensions?

Car insurance cover extensions refer to items that are not in the standard car insurance coverage, but which you would still like to have covered. Again, these extensions depend on the insurer and the policy you choose. For example, there are some car insurance policies that may include acts of nature like floods or earthquakes as part of the basic coverage for damages, while others might treat it as part of their car insurance cover extensions.

Many car insurance cover extensions are things such as car repair insurance, which covers the normal wear and tear a vehicle acquires over time, driving a third-party car, which covers any liabilities or damages you incur or give while driving someone else’s car, additional medical insurance for you should you be injured by another vehicle, and other such points of cover.

Car insurance cover extensions are meant to provide additional cover for you, your passengers and your vehicle above and beyond the standard insurance coverage described in the policy. Should you choose to avail of these, it is best to compare the car insurance cover extensions available to see if you do need them.

Keep in mind that taking car insurance cover extensions typically means paying a higher premium, which you may or may not be happy to do. The best thing is to check out different car insurance policies so that you can see what is and what is not covered by their standard insurance terms and conditions, then ask your favourite few insurers for quotes that include any extensions you’ll want.

There are numerous websites that offer easy-to-use ways for you to compare car insurance cover extensions. With a few clicks, you’ll be able to see a list of selected insurance policies and premium quotes. Don’t forget that if you add further car insurance extensions after obtaining your quote, the final premium you pay will be adjusted to include your cover extensions.

What to Do if You’re Involved in a Car Accident

Emmie Sahlan — Sat, 21 Jan 2012 21:12:47 +0000

It is ironical that drivers purchase car insurance for financial protection against physical damage or bodily injury resulting from an accident but, due to either shock or ignorance, many do not know what to do if they encounter an actual accident.

If you are a driver, it is best to be prepared and always think of the what-ifs to ensure that you know how to react when faced with a collision. Below are 8 things you should do in case you are involved in an accident:

Image by nateOne

1. Stay calm

It is normal to feel tense, angry and nervous when involved in an accident, even if you are not at fault. Even if you happen to be at fault and feel like fleeing away from the scene, you should remain where you are and stay calm.

2. Warn other motorists

If you are involved in an accident, your vehicle may be an obstruction to other road users. To help prevent another accident from happening, you should warn other motorists to stay clear of your vehicle by turning on your car’s hazard lights and, if you can safely do so, open the boot of your car to make it more visible to other drivers.

3. Check out your passengers

If you have passengers with you, it is crucial that you check to see if they need medical attention. Call 000 if they do, and explain the location and nature of the accident and injuries as accurately as you can. If you are trained in first aid, you should apply the correct medical procedures to those injured while waiting for the ambulance to arrive.

4. Don’t admit fault

One thing you should not do is to admit you are at fault in the collision to anyone other than your insurance agent or your lawyer. You also should not apologise, not get into an emotional conversation with other drivers or witnesses, and not agree at this stage to pay for any damages to the other party involved in the accident.

5. Obtain vital driver information

Ensure that you obtain the name, address, phone number, date of birth, driver’s license number and insurance company of the party involved. In additional, it is wise to write down the details of the involved party’s car such as year, model, make and license plate number.

6. Take photos of the accident

Bringing a camera wherever you go may prove to be useful in this instance. Taking photos of the accident, including any marks or other damage on your car as a result of the collision, means they may be used as evidence when you file your police report and make insurance claims.

7. Report the accident

Follow the correct procedures for filing a detailed police report about the accident using the information you have gathered. If need be, draw a diagram of the accident which includes a picture of both cars before, during and after the collision. Include the photos you have taken together with your report. File the report as soon as you are able to.

8. Inform your insurance company

You should contact your car insurance company to lodge your claim immediately after filing a police report. Delaying this for too long may result in your claim being denied. Provide your insurance company with a detailed verbal and written report of the accident, including any photos you have taken.

The most important thing to remember is to remain calm when involved in an accident. Having a calm composure and a clear mind will help you react accordingly when placed in an unexpected and vulnerable situation.

Knowing what to do and following the procedures in case of a car accident will not only avert traffic inconvenience and ensure the safety of people involved, but it will also expedite your insurance claim process. Just remember that you have to think quickly on your feet in a challenging situation, and be prepared to follow the correct procedures in a timely manner.

Car Insurance Sydney

JE Cornett — Thu, 19 Jan 2012 21:48:51 +0000

Car insurance requirements differ from region to region. This information is specific to New South Wales, and should not be applied to other regions.

Whether you’re a recent Sydney transplant, or to the city born, if you’re a driver, you need car insurance. City driving and parking conditions are ripe for car accidents, so the car insurance cover you choose in Sydney may be more comprehensive than that which you’d carry in more suburban or rural parts of the country. If you’re confused about what type of car insurance is necessary in Sydney, read on.

Image by Herry Lawford

Get Your Green Slip

If you’re going to register a car in Sydney, you’re required to carry Compulsory Third Party (CTP) insurance cover, also known as Green Slip cover. CTP provides compensation to crash victims if you are the driver or owner of the car that is at fault for the crash. You must carry Green Slip cover before you can register your car in Sydney.

Compulsory Third Party insurance cover provides coverage for people who are injured in an crash in which you or someone else driving your car is at fault. CTP insurance does not cover damage to property or vehicles. In the event that you damage property in an accident in which you are at fault, you are liable for the costs of repair or replacement.

City Driving Conditions

If you’re tempted to get your Green Slip cover and leave it at that, there are some points you may wish to consider. Driving — and parking — in the city leaves you vulnerable to a higher statistical probability of car accidents that can be financially burdensome.

Driving and parking in crowded city conditions increases the chances that you will be in an accident. It makes sense — more cars (and more pedestrians, buses, cyclists and other road users) plus heavily used street surfaces equals a higher risk of collision. If you carry third party property or comprehensive cover, you’re giving yourself a financial crutch in case of an expensive settlement.

In the event that you damage another person’s vehicle or property in an accident in which you are at fault, if you’re only carrying Green Slip cover, you’re personally responsible for any property damage you cause while behind the wheel. Carrying third party property cover or comprehensive car insurance may make sense in city driving environments like Sydney.

City Parking Conditions

Living in the city often means parking your car in public lots or on the street, sometimes out of your sight for hours or days. These types of parking situations may be targeted by vandals and thieves, who know that they’ll be long gone long before you realize that your car has been stolen or damaged. And don’t forget there may be hit-and-run drivers in any city; when there’s no one around to witness it, some drivers may just drive away from a minor collision with a parked car rather than face the hassle of tracking down the owner and filing an insurance claim.

Unless you’re willing to shell out for car replacement or car repairs from your own pocket, you may want to consider a higher level of cover than CTP car insurance if you live or drive in Sydney. Comprehensive cover offers the widest range of protection, covering damage done to your car from many sources, including collision, theft, vandalism, or natural disaster.

If you’re considering a move to Sydney, or are a long-time resident planning your next car insurance comparison, take into consideration the challenges that you may face as a driver in a city setting, and seek out insurance cover that will protect you and your car adequately.

How to Compare Car Insurance in 30 minutes

Chris — Tue, 17 Jan 2012 21:08:47 +0000

On the surface, the process of buying car insurance may appear to be a tedious task. While there is work to be done, this big decision does not have to take too much of your time. Believe it or not, you can compare car insurance policies in 30 minutes or less. From there, the last step is making a decision on which policy to purchase. Easy enough, right?

The car insurance industry is always changing. For this reason, you need to keep an open mind as you search for your policy. The coverage you have purchased in the past may not be what is best for you in the future. The only way to ensure you make a valid decision is to compare several car insurance companies and policies.

Image by Ruthanne Reid

Here are five tips for comparing your many options:

1. Use the internet

If you are in a hurry, using the internet can help speed up the process of comparing car insurance. Not only can you receive quotes, but you can learn a lot about the many companies that are currently offering what you are looking for.

2. Use the phone

Yes, you are going to be able to do a lot of the leg-work yourself via the internet. However, you may want to speak with a live agent at some point in time. Don’t be afraid to ask them all your questions; they are in a position to give you most, if not all, of the answers.

3. Know what you want

Even if you don’t have a good grasp on the car insurance industry, chances are that you have some clue as to what you are looking for. The more knowledge you have going into the process the better off you are going to be in the end.

4. Know your budget and stick to it

As you begin to compare car insurance you will find that some rates are much higher than others. What are you going to do about this? Your best bet is simply to forget about the policies you cannot afford, and stick to those that are in your price range.

5. Compare similar policies

Although no two car insurance companies are exactly the same, you can receive identical coverage from a variety of providers. To ensure that you are making the right decision, only compare policies with the same or very similar coverage. This way, everything is equal when it comes time to make a choice.

In today’s day and age, everybody is in a hurry. You don’t always have lots of spare time to shop for the right car insurance policy. Fortunately, when you follow the five tips above you should be able to compare car insurance within 30 minutes.

In the past, buying car insurance meant speaking with agents and brokers for an extended period of time. Those days have come and gone. As long as you have access to the internet and are willing to work fast, you should be able to find and buy a good car insurance policy for you.

Not Just For Cars: Compare Vehicle Insurance

Sally — Sun, 15 Jan 2012 21:53:04 +0000

You already know that you need to compare car insurance options if you want to get the best deal, and the same is also true if you’re looking to compare vehicle insurance for other vehicles too. No matter what type of vehicle you own, you’ll want to compare vehicle insurance options in case something goes wrong – it may be an expensive mistake not to check out your options.

Image by Mike Baird

Compare motorcycle insurance

As with car insurance, comprehensive motorcycle insurance covers you against both damage to your own motorcycle and damage to property and vehicles if you’re involved in a collision, as well as injuries to road users. If your motorcycle is damaged in an accident, comprehensive coverage may cover repair costs or if it cannot be repaired, an agreed value or replacement may be covered instead so it’s worth taking the time to compare motorcycle insurance to get the best value for money.

If your motorcycle is registered in New South Wales (NSW), you’ll also need to look at motorcycle insurance for Compulsory Third Party insurance (CTP Greenslip) and if it is registered in the Australian Capital Territory (ACT), you’ll need to look at Compulsory Third Party insurance.

Things to consider when you compare motorcycle insurance include whether you want basic cover such as third party, fire and theft or the extended cover offered by some comprehensive policies. Don’t forget to think about risk factors that may affect your premiums when you compare motorcycle insurance, such as:

the type of motorcycle that you own (an older motorcycle may need different insurance compared to a much newer counterpart)
your experience (even if you’re not particularly young, you can expect your premiums to be higher if you’re not an experienced rider as you’re deemed higher risk of having an accident)
where you live and ride (if motorcycle accidents or thefts are a problem in your area, premiums may be higher accordingly).

If you already have car insurance, you may be able to get a good deal by bundling motorcycle insurance with the same insurance provider, but this won’t always provide the best value for money, so you’ll still want to compare motorcycle insurance to see what else is out there.

Compare campervan insurance

It may be possible and convenient to arrange campervan insurance through your car insurance provider, but this doesn’t necessarily offer the best protection. You’ll get more understanding of the comprehensive cover options available if you specifically look to compare campervan insurance that focus solely on covering your campervan rather than all your vehicles.

Campervan insurance may protect against the costs of accidental loss or damage, theft, and damage caused by incidents such as fire, floods and storm damage. When you compare campervan insurance, you may decide to choose a policy which also provides some cover for legal liability in case you do any harm to property or people. You may also want to compare campervan insurance options for things such as emergency repairs, legal costs, new vehicle replacement and substitute vehicle cover.

Taking the time to compare vehicle insurance is a must, just as you would with car insurance. Even if it is possible to arrange motorcycle insurance and campervan insurance through your car insurer, don’t automatically assume that this will be the cheapest or most suitable vehicle insurance option. It may well be more convenient, especially if you pick up discounts for arranging multiple insurance policies through the same insurer, but don’t forget to compare vehicle insurance first to make sure that you’re getting the right level of coverage for your needs.