subject: Car Insurance The Facts [print this page] Car Insurance The Facts
The amount of cars on the road and their models and manufacturers are too big to include in a small article like this. However, the best place we have found to look for this information is the internet. Online you can find a very large number of cars with their important statistics and car insurance groups information.
The most comprehensive compilation of car Insurance
Car insurance grouping is provided by the Association of British Insurers (ABI). If your car is older and is not covered in the What Car database, chances are that you will find it here in the ABI database. The ABI web page has a searchable database facility.
Click 'search group rating database' to open the search page. Here you can give the name or model of the car (if it returns zero searches, it means you haven't given the name correctly. In that case, just put in the car make or the model. If it returns too many results (as it probably will) you can refine your search by giving more characteristics of your car such as the number of doors, fuel and gearbox type etc.
Foreign & Imported Cars.
These are cars that come in from different countries. Not all companies deal with such cars but the ones that do are usually pricey, primarily because of limited and expensive spare parts.
To insure an imported car it has to be re-registered in the UK. And ironically, to re-register, it has to be insured. Basically most of the local brokers in town can insure imported cars so you can always get a temporary insurance for a month or two, get it re-registered in the UK and then shop around for better car insurance deals.
Mileage
This is again one of the most important factors affecting the premium of car insurance.
The majority of the insurance customers would not know how many miles they would do in a year, which is understandable because some days you might do 10 miles, on other days 20 or it may even be a case of not driving at all. The insurance agents or advisors can not lead you on this question according to the rules of the F5A. 50 the best thing would be to do your own calculations before hand.
If you do major travelling on weekdays, to and from work for instance, then you can multiply this figures with 5 working days for a week and around 22 working days a month. You may wish to add another percentage to the overall travelling, say 20%, for the occasional or holiday travelling.
For example, Mr Jones commutes every night to work because the roads are clearer than during the days it takes him 20 minutes to get there (that is around 20miles). He also goes shopping to town at the weekends which takes him approx 10 minutes from home (around 10 miles).
For more information visit: Tesco Car Insurance
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