Talking about my driving experience in Malaysia to some friends. I was relating how much fun it is to drive in Malaysia even though I could only afford a Proton, the national car as imported cars had a tax of up to 300%. At that time petrol cost me less than RM1per litre (approx 20p), though I heard that it has now increased to around RM2 (approx 40p). Compare that with £1.20/ litre in the UK now.
Furthermore, the car insurance was pretty cheap and if you didn't have any accidents, it becomes cheaper every year. Here in the UK, I have no idea why, but the insurance we pay seems to increase very year. It has gone up from around £300 to £700 now. We have had no accidents in the past 4 years and there is no logic but everyone I talked to told me the same thing and the amazing thing is that people grumble but just pay up in the end as they have no choice..
I recall that the insurance companies once increased the car insurance of everyone here in the UK across the board due to the fact that there had been floods the past year and a large number of cars had been damaged. In other words, they just transfer the costs to the customers.
I used to think that privatisation and lack of governmental control would lead to better customer services and a customer friendly industry but apparently this has not happened and probably the Government needs to come in with some customer friendly legislation and regulations.
Anyway, there are still some great insurance deals out there on the net. You just have to look for it. However, this is easier said than done. Click here for the cheapest auto insurance tips . These might help you lower your premium a bit. For example, it might be a good idea to look at the cars targeted the most by the thieves.
Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts
Medical professionals are the most accident prone in the UK
A recent press release by the online price comparison site, Confused.com, totally changed my perception of the motorist profiles I have had all my life. Apparently those in the medical profession appeared most frequently in the top ten (50%) car insurance claims in the past 12 months (18th October 2009 and 18th October 2010).
This is surprising because they are supposed to be most aware of all professions when it comes to accidents and injuries.
The results of the research showed that GPs are the most hazardous drivers in the UK with 33% of claims made by them. They were followed by psychologists (30%), district nurses (30%), hospital doctors (29%) and dentists (27%)making a claim.
In what seems to be bizarre findings, 20-20 vision doesn't help as well with opticians making up 27% of those claiming for an incident in the last 12 months. They were closely followed by law abiding policeman who made up 26% of the claimants.
It was not surprising that high earners such as solicitors and accountants are also the most likely to make a claim, contributing to 65% of the top 20.
The safest drivers were actually the low income earners with car valeters being the least likely to make a claim with only 8% putting in the paperwork in the last 12 months.
Here is the full list of the Top 20 occupations that have claimed in an accident:
1. Doctor GP
2. Psychologist
3. District Nurse
4. Hospital Doctor
5. Solicitor
6. Chartered Accountant
7. Head Teacher
8. Dentist
9. Personnel Officer
10. Chartered Surveyor
11. Quantity Surveyor
12. Optician
13. Systems Manager
14. Police Officer
15. Financial Advisor
16. Computer Services Manager
17. Accountant Chartered
18. Pharmacist
19. Probation Officer
20. Local Government Officer
Top 20 occupations least likely to be involved in an accident
1. Car Valeter
2. Labourer
3. Van / Lorry / Fork Lift Truck Driver
4. Farm Worker
5. Scaffolder / Roofer
6. Construction Worker
7. Decorator / Painter / Plasterer
8. Road Worker
9. Coach Driver
10. Security Guard
11. Builder
12. Groundsmen
13. Mechanic
14. Carpet Fitter
15. Warehouse Employee
16. Bar Staff
17. Cleaner
18. Bakery Worker
19. Double Glazing Fitter
20. Factory Worker
This is surprising because they are supposed to be most aware of all professions when it comes to accidents and injuries.
The results of the research showed that GPs are the most hazardous drivers in the UK with 33% of claims made by them. They were followed by psychologists (30%), district nurses (30%), hospital doctors (29%) and dentists (27%)making a claim.
In what seems to be bizarre findings, 20-20 vision doesn't help as well with opticians making up 27% of those claiming for an incident in the last 12 months. They were closely followed by law abiding policeman who made up 26% of the claimants.
It was not surprising that high earners such as solicitors and accountants are also the most likely to make a claim, contributing to 65% of the top 20.
The safest drivers were actually the low income earners with car valeters being the least likely to make a claim with only 8% putting in the paperwork in the last 12 months.
Here is the full list of the Top 20 occupations that have claimed in an accident:
1. Doctor GP
2. Psychologist
3. District Nurse
4. Hospital Doctor
5. Solicitor
6. Chartered Accountant
7. Head Teacher
8. Dentist
9. Personnel Officer
10. Chartered Surveyor
11. Quantity Surveyor
12. Optician
13. Systems Manager
14. Police Officer
15. Financial Advisor
16. Computer Services Manager
17. Accountant Chartered
18. Pharmacist
19. Probation Officer
20. Local Government Officer
Top 20 occupations least likely to be involved in an accident
1. Car Valeter
2. Labourer
3. Van / Lorry / Fork Lift Truck Driver
4. Farm Worker
5. Scaffolder / Roofer
6. Construction Worker
7. Decorator / Painter / Plasterer
8. Road Worker
9. Coach Driver
10. Security Guard
11. Builder
12. Groundsmen
13. Mechanic
14. Carpet Fitter
15. Warehouse Employee
16. Bar Staff
17. Cleaner
18. Bakery Worker
19. Double Glazing Fitter
20. Factory Worker
Finding the Best Car Insurance Deals Online
It is amazing how much of our lives are dependent on technology today. Just a little over a decade ago, we were only becoming slowly accustomed to the Internet, what was famously referred to as the Information Superhighway. Today, we don’t just have email accounts, we have social networking accounts, YouTube, Amazon, and Google Earth. You can just as effectively shop online as you would at the mall, and all it takes are a few clicks. You can employ the same method, whether your purchase is small or big, cheap or expensive. Shopping around for the best car insurance deals is no exception.
The Web is teeming with online car insurance companies offering their services and so many to choose from. The challenge, however, lies in sifting through all of them and finding the one which is ideal for you.
You should compare quotes from different vehicle insurers, and this can be done by filling out forms on their websites and/or using a comparison website. You might be asked to provide information about yourself, your vehicle, and your driving history, as these details will help determine the level of coverage you can be offered, hence determining the quote you will be given.
Apart from getting quotes from individual insurers, you should definitely research the companies that interest you. Geico, GMAC, Progressive, AIG, Liberty Mutial, and All State, are among the most reputable auto insurance companies in the US, but remember that bigger is not necessarily better, so an insurance giant might not necessarily be your perfect match. Browse through insurers’ websites and go through car insurance reviews and testimonials of insurance experts and other insurance coverage seekers like you. Find out what discounts they offer on their insurance policies because you might be eligible for the good driver, safe vehicle, good student, senior, low mileage, rural, occupational, auto club or professional organization membership discounts.
The great advantage to purchasing your car insurance online is not just the ease by which you can accomplish this, but also the fact that you may get a discount with your insurer just because you made your purchase online. You may get money off your yearly premium, no claims discounts, or free breakdown assistance. The web is indeed the best place to search for the best auto insurance deals.
The Web is teeming with online car insurance companies offering their services and so many to choose from. The challenge, however, lies in sifting through all of them and finding the one which is ideal for you.
You should compare quotes from different vehicle insurers, and this can be done by filling out forms on their websites and/or using a comparison website. You might be asked to provide information about yourself, your vehicle, and your driving history, as these details will help determine the level of coverage you can be offered, hence determining the quote you will be given.
Apart from getting quotes from individual insurers, you should definitely research the companies that interest you. Geico, GMAC, Progressive, AIG, Liberty Mutial, and All State, are among the most reputable auto insurance companies in the US, but remember that bigger is not necessarily better, so an insurance giant might not necessarily be your perfect match. Browse through insurers’ websites and go through car insurance reviews and testimonials of insurance experts and other insurance coverage seekers like you. Find out what discounts they offer on their insurance policies because you might be eligible for the good driver, safe vehicle, good student, senior, low mileage, rural, occupational, auto club or professional organization membership discounts.
The great advantage to purchasing your car insurance online is not just the ease by which you can accomplish this, but also the fact that you may get a discount with your insurer just because you made your purchase online. You may get money off your yearly premium, no claims discounts, or free breakdown assistance. The web is indeed the best place to search for the best auto insurance deals.
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