August 14, 2018

The Pros and Cons of Insurance

When it comes to insurance, it’s a mixed bag. Insurance can be a vital and life-saving thing, but it’s also prohibitively expensive, and this means many in need simply do without, and that’s truly tragic. After all, those of us with the good fortune to have insurance can think of at least one time when we’ve truly needed the coverage. For example, what would my parents and I have done if we were left without medical insurance when I was diagnosed with a rare blood disease as a child. As a result of many medical visits and treatments, the disease went into remission, but who knows what could have happened if we couldn’t get that medical attention, and that is the reality that many of us do, in fact, face.

Insurance comes in many forms, however, and they are varying degrees of usefulness, as well. For example, medical insurance is the one we all think of, and car insurance is mandatory for drivers and vehicle owners. For a refresher, medical insurance covers the cost of expensive medical procedures and medications, while car insurance covers the cost of repairing your car if you get into a car accident or that of the other driver. Consider it like you’re paying the insurance company to go to Autozone for you, or take your car to a mechanic. All types of insurances share a commonality, of course, and that commonality is that each of these services as you pay a monthly fee to have the insurance company pay for things too expensive for you to afford later on. In the end, you’re paying a lot less if you need any of the services insurance provides. For example, car insurance is about $100 a month, but car repairs can cost thousands of dollars.

Using the same logic, however, if you’re lucky enough not to need insurance, then you’re actually paying more than you would without it. This can lead to some of us foregoing insurance in favor of simply being cautious and trying to avoid these problems. This can be a dangerous mindset, but the fact remains that insurance could stand to be cheaper. The price point of insurance does little to incentivise coverage, in my opinion. However, in the case of automobiles, we don’t have a choice. Auto insurance is mandated by law for all drivers. There’s a great reason for this, as the driver who causes an accident should have to pay for damages to all parties, and they wouldn’t always be able to afford it. However, having this mandatory insurance cost often outweigh its worth, and it’s all spelt out there in the numbers, is truly cruel.

Insurance options for disabled drivers

 Motability is a scheme to help disabled drivers get vehicles such as cars, powered wheelchairs and scooters on contract hire. It enables disabled drivers to rent specially modified vehicles at an affordable cost that also includes maintenance cost, insurance and breakdown cover. Motability is available to anyone who qualifies for higher rate mobility component of Disability Living Allowance (DLA) or war pensioners’ mobility supplement. The scheme is also open to parents or carers of children who qualify for the higher rate mobility component of DLA.

How Motability works

The Motability scheme allows for disabled drivers to lease cars that are modified for their mobility needs. The majority of cars leased will take up your entire Motability allowance unless you opt for a small vehicle. If you opt for a more expensive vehicle, you may be required to pay an upfront cost that will vary depending on what vehicle you want. If you cannot afford to make this advance payment, you can apply for help from the Motability charitable fund who will assess your case.


Motability has helped many disabled drivers in the UK reclaim their independence, and this is undoubtedly a great thing as it has also allowed for those who do not qualify to have access to a stream of affordable, second-hand modified vehicles. The problem is that not every disabled person can qualify for Motability and this can be down to a number of reasons:

•             You don’t qualify for the higher rate mobility component of Disability Living Allowance.

•             You want a vehicle that does not appear on their list.

•             You have a history of insurance claims.

•             You have some form of driving convictions.

This means that if you are a disabled driver, you have to find an insurer that will cover you, and often this can be quite expensive. Insurers such as Chartwell Insurance will allow drivers who used to be on the Motability scheme to have an introductory discount, insuring almost any kind of vehicle they may have.  There have been many problems with the Motability scheme in some cases where disabled drivers have allowed friends or family use their car, and as a result some have lost their allowance.  One advantage of using another insurer over the Motability scheme is that you can have other people use your car without risking your insurance policy.

Finding the best insurance option depends on what you qualify for, as well as the vehicle you wish to insure. Be sure to investigate specialist insurers, and use price comparison websites to find the best deals.

How can you bring down the cost of your child’s car insurance policy

Having paid for all the driving lessons and exams for your child to finally get their driving licence, finding affordable car-insurance is the next mentally and financially draining task on hand. As you will no doubt know, young drivers are extremely expensive to cover when it comes to car-insurance, with 17-25 year olds making up for one third of all road collisions. It is therefore of the utmost importance that you find the right cover for your child, and most importantly, at the right price. This article covers a number of things to bear in mind when looking to bring down the cost of your child’s car-insurance.

Put yourself on their policy

Many parents may be misguided in thinking that if they insure themselves as the primary driver of their child’s car that they can help save money on the insurance premium. This is one of the biggest misconceptions in the car-insurance world. Often referred to as fronting, this practice is illegal and should be avoided at all costs. Despite this, there are a number of ways you can legally bring down the cost of your child’s car-insurance-policy. By registering yourself as the secondary responsible driver on your child’s vehicle, you can help make significant savings. Research has gone to show that having a secondary occasional driver over the age of 40 can dramatically reduce the cost of a young person’s car-insurance policy.

Choose the right car

If you intend to buy a car for your child, it’s advised that you choose a vehicle which prioritises road safety over speed and aesthetic. Flashy sports cars prove extremely expensive to insure for young drivers because of the inherent risk that comes with them. Insurers want to insure drivers that they know will be responsible and safe, so opting for a safe first car is always advised if you intend to bring down the cost of insuring your child.

Extra courses

Enrolling your child in additional driving courses may seem like an unnecessarily expensive option but it has been proven to be a good method of reducing young people’s car-insurance premiums. By gaining these new certificates, you can show insurers that your child has all the relevant training to be a safe and responsible driver.

Short-term insurance

If insuring your child proves to be too expensive, you can have a look into short term/temporary car insurance policies for your child, which can cover them from anywhere from 1 day to a month. Be sure to read the fine print as this option will not be available for all drivers.


Finding the best insurance prices is down to thorough research, so try to use price comparison websites to find the best deals.  The car-insurance market is extremely competitive, with many insurers willing to price match, so don’t be scared to haggle. Buying Swinton young drivers insurance has for many, proven to be a great cost effective way of covering their child. If all else fails, why not try speaking with other parents who may have already done the work for you!

Why do young men drivers pay higher premiums than women at the same age?

On average men pay around £300 per year more than women for their car insurance premiums and young male drivers can pay considerably more than that. But is it right, and why is it so widely accepted that your sex determines whether or not you’re a safe driver?

Well, in a word, yes. Statistically men cause considerably more accidents than women and young men are the highest risk drivers on the road.

Not so long ago, the European courts took up the matter of car insurance premiums being significantly more for men. The argument was made that that higher premiums were based solely basis of sex and that this was an infringement of the gender discrimination act. The car insurance companies showed that car insurance quotes were based on statistics that heavily demonstrated that women are generally much safer drivers, and that it was not down to gender discrimination.

Women drivers are not only less likely to be involved in an accident, but the value of the claim if they are involved is statistically a lot lower. A huge amount of research is done each year to determine why women are lower risk drivers and these factors are taken into consideration by each insurance company who then use this data to set their quotes

Government research shows that men commit over 90% of driving offences. This kind of research shows why men pay so much more than women for their car insurance quotes.

As well as data collected about driving offences, the insurance company and road safety associations collect data on driver’s habits and road behaviour. This data indicates that women tend to drive shorter distances and are more cautious than men, who have been found to be more reckless, and as a results make more expensive claims on their insurance.

Although these factors mean that men will almost certainly pay higher premiums than women, there are some ways in which you can help reduce the cost of your insurance.

Think about the things that you can control. The type of car can make a huge difference to the price of your insurance quote, the smaller the engine size the lower the quote. Also, a better safety rating can help reduce premiums because if you are involved in an accident the car should perform better, causing less damage to you and anyone else involved.

Young drivers in particular can benefit from taking additional driver courses such as Pass Plus. Once you’ve passed your initial driving test ask your instructor or research these extra courses as then can reduce your premium by over £100 per year.

You could also get a better car insurance quote by storing your car away from the road, preferably in a garage. Storing your car in a garage greatly reduces the chance of it being stolen or damaged by passing traffic and therefore lowers your insurance quote

Get the Cheapest Car Insurance

When determining your auto insurance needs there are many methods that you can use to obtain cheap car insurance. However, getting the cheapest cost for car insurance does not mean that policy options will be inadequate for the price.

Compare Quotes

Obtain a rate quote from a local agent or from an auto insurance company online. Use car-insurance comparison techniques to determine which company has the best price. Make a note of the options that are offered by each company. Insurance companies that offer policies online may not provide the same support that is provided by a local insurance agent. You can also ask your friends and family if they recommend a local agent or an insurance company.

Available Discounts

Getting the cheapest insurance that is available requires using discounts. Discounts will reduce your policy costs depending on what is available. Many discounts are available that you can use to lower the cost of your car insurance policy. One type of discount that is available for your car-insurance policy is an age-based discount. One type of age-based discount is a mature discount. A mature discount is made available to individuals who are 55 or above. Another type of age-based discount is a price drop for the premium when a young driver has attained the age of 25.

Location and Use of Vehicle

The garage location of your vehicle is a factor in the price of your premium. If your home is in an area with high crime, you may pay a higher premium for your car-insurance. The use of your vehicle is also a factor to the premium cost. Typically, a vehicle can be for commuting or personal use. When your car is used to commute to work, the distance that you travel to work is factored into the premium. To lower the cost of your car insurance make sure your vehicle use is being classified correctly.

Change the Excess

You can pay less for your car insurance by selecting a higher excess. This is the amount you need to pay before your insurance pays out for a claim. If you increase the excess for your policy to $500 or more you can easily get yourself the cheapest car insurance. When you increase the policy excess it is less that insurance companies need to pay when you file a claim.


When using various car insurance comparison techniques you can find the cheapest car insurance price that meets your needs. If you have multiple policies with the same insurance company you may be able to combine them to receive a multi-policy discount. This can decrease the premium for a car-insurance policy another 10 to 20 percent.

This article was written by the PR division at Cheaper van insurance. For more information please visit

Get Yourself a Car Insurance Comparison

There are hoards of people know who have wised up about car insurance comparison. They have realized that they can be saving a lot of money for themselves by shopping around before committing to any particular car-insurance policy. The best part about this is that it is not difficult to compare car-insurance quotes. It is actually just a matter of using the available tools of the internet to find the best prices today.

In order to compare cheap car-insurance one needs to first consider what they are currently paying. If the amount seems high, it likely is. Although insurance companies try to sell everyone on buying some of their most expensive policies, these are often not necessary. It is usually the case that most people can get away with keeping the minimum insurance required by law for the time being. If that person decides to up their insurance at a later time, then they are more than welcome to. However, during money saving times it is best to keep the minimum.

Those who want to compare cheap car-insurance can also rely on friends and even strangers on the internet to provide them with some valuable information. These individuals are more than likely going to be willing to swap stories about the different insurance companies they have tired or heard about. They get the benefit of sharing information with someone who will then in turn share information with them in the future possibly. That may sound far fetched to some people, but there are entire forums online dedicated to the topic.

People who spend some of their time comparing cheap car insurance quotes are likely to save plenty of money. That money can go towards things that need to be taken care of, or even some fun or entertainment. People have to remember that the hard work that they put into this kind of thing right now ends up paying dividends in the future. It is really just a matter of getting over the hump and getting the work done. Those who do this kind of thing are not likely to complain about the results that they are able to get.

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