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Alicia Said:

My insurance premium during an ongoing claim (UK)?

We Answered:

You will have to pay the full wack.
If the claim is not your fault-then your bonus will be reinstated and any excess paid on your premium will be repaid to you.

Velma Said:

does your car insurance premium rise after a heart attack(UK)?

We Answered:

you only have to tell your insurance company if you had to tell the dvla, which you shouldn't have to do unless its a heart condition as opposed to a one off heart attack.

Erika Said:

3 pts on UK license, does it affect my insurance premium?

We Answered:

If you haven't actually got the points yet on your licence you don't have to declare it.

Once you get them though you have to declare them (so the insurance company can increase your premium......) otherwise there is the risk the insurance company could refuse to pay out if you had an accident!

Marlene Said:

Getting a loan for a car insurance premium? UK?

We Answered:

From the information you have given, you would think that you would easily get a loan, but you would be surprised. Banks are tightening up on lending because of the current financial climate. Those banks that did not lend responsibly had to be bailed out by the government, because they were heavily in debt and all other banks are being careful as a result.

When they give loans, they actually look for people with a high credit score. To get a credit score you need to have had credit and successfully paid it. As you do not have any existing credit and do not own your own home, the bank would actually see you as a risk, because you have a low credit rating and no proven track record of paying off a credit card or loan.

No harm in trying though, and you could also speak to the insurer who may offer monthly instalments. Whatever you do though, if the bank do reject you, don't go to one of these companies who will loan to anyone as the interest they charge will cripple you financially.

Darrell Said:

UK: Converting standard car to kit car to reduce insurance?

We Answered:

your rate is based on your age and sex.. so the car should not matter thats how it is in new jersey.. your premium shoul go down if you recieve no tickets and are a safe driver..

Carlos Said:

Question about car modifications effecting car insurance premiums (UK only)?

We Answered:

One major insurer even considers car mats a modification. :-(

Frederick Said:

Car insurance premium question UK?

We Answered:

Insurance premiums go up each year as more people have claims and more and more people opt to not have insurance and the rest of the world gets screwed by them. With your first car did you only have liablity on it and now you are putting an newer car with a lienholder. Maybe try changing your deductibles a little bit. A good clean record helps. You need to go do some price shopping at some of your local agents insurance companies because they can you give you a more accurate quote and make sure you get all the discounts possible.