Save 10% off car insurance by purchasing online from John Lewis

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If you’re looking to renew your car insurance policy before the end of the month, then you could save 10% off the cost of your premium simply by purchasing your new cover online through John Lewis. The offer has been running since March 27th and will end on April 30th so you’ll need to act fast to capitalise on this car insurance saving.

John Lewis car insurance policies, which are provided by Ageas Insurance Company, offer 90 days worth of European cover as standard and also replacement car cover for 21 days in the event that your vehicle is off the road. Plus, John Lewis car insurance recognises careful drivers and those with a considerable No Claims Bonus could save as much as 75% off the cost of cover.

To request a free quote for car insurance from John Lewis log onto the site today and complete the quote form providing information on your car, your personal details and the details of any other drivers you wish to have insured on the vehicle, the value for your car, any driving convictions you have had in the last five years and any security features or modifications you have made to the car you wish to insure.

To make the most of this one-off deal, all you need to do is log onto John Lewis online, complete the quote form and you’ll receive an instant quotation for car insurance. All quotes requested before April 30th will have a 10% reduction automatically included. Once you’re happy with the price, get in touch with John Lewis to confirm the details of your policy and arrange your cover at the reduced rate.

Home insurance video app launched by Confused.com

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Comparison website, Confused.com, have launched a new House of Horrors video app to highlight the importance of home insurance. The new application is part of the comparison site’s latest social media marketing campaign and utilises information on a user’s profile to create the House of Horrors videos using details of that person’s actual home.

The purpose of the app is to underline the importance of home insurance. While many home owners may be tempted to cancel or not take out a policy as a way of cost saving during this period of economic uncertainty, insurance experts warn that this may be a false economy should your home become the target of thieves or if you were unlucky enough to suffer a fire or flooding at your property.

Worryingly, recent statistics from the British Crime Survey point to a 5% increase in the number of domestic burglaries in the UK in the last 12 months to September 2011, highlighting yet again the importance of having proper insurance in place.

The new House of Horrors video app from Confused.com recreates the user’s home using information from their Facebook profile and sets up the scenario of a burglar breaking into that person’s home. Confused.com hope this shock factor of utilising actual details from the user’s home will emphasise their message about the importance of home cover.

The launch of the new video app coincides with another initiative from the comparison site. Anyone who takes out a policy for home, car, pet or travel insurance through the site will receive 1,000 in Nectar points, while those taking out life cover will receive 3,000 of Nectar points.

Car insurance claims that raise an eyebrow

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Insurance provider, Admiral, have released a rundown of the most unusual car insurance claims dealt with by their handlers over the last two years – oddly enough, animals seem to figure pretty highly in the list with drivers blaming furry and no-furry friends for a large proportion of accidents.

Peacocks appear in four out of the twelve most unusual claims as listed by the Admiral handlers so if you’re thinking about getting a peacock for your garden, you’d better think twice as these colourful birds often take a dislike to cars. The car insurance claim experts revealed they’d dealt with claims involving peacocks attacking cars on several occasions, usually as a result of the peacock seeing their own reflection in the car’s bodywork and mistaking it for another peacock which they then attack.

Rodents were also listed in the 12 most unusual car insurance claims according to the Admiral poll, with a family of mice blamed for destroying the leather interior of a classic car kept in storage, and a rat infestation was found to cause internal damage to another vehicle after the rodents ate through parts of the engine and wires.

A puppy may seem like an innocent passenger to have in a car, however one claim highlighted by the list revealed that a front seat passenger caused an accident after the puppy the passenger was carrying on their lap fell on the floor and when that person reached down to pick up the puppy, they actually picked up the handbrake instead, causing an accident.

In a separate incident a driver was distracted by an elephant and camel tethered on the side on the road and crashed the car, while another who driver caught sight of a spider in a rear view mirror also had a collision as a result.

Can you top any of these unusual car insurance claims? If so, we’d love to hear your story, drop us a line in the comments box below.

Home insurer calculates the time Brits waste looking for misplaced items

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A survey by Esure Home Insurance has calculated that on average we Brits spend 10 minutes out of every day searching for lost or misplaced items, with the worst offenders being revealed as men with a third of wives who took part in the study admitting that their husbands regularly lose items around the home.

Home insurer Esure questioned 3,000 adults to compile the results of their survey which found that 4 out of 10 adults regularly argue with their partner over misplaced items, often blaming each other for not being able to find the thing they’re looking for.

The most common items which are lost include mobile phones, with house keys and car keys coming in second and third place respectively, followed by paperwork, spectacles and sun glasses, a wallet or purse, lip balms and hairbrushes came in eighth place for the most commonly misplaced items according to the home insurance survey.

While small items such as keys and phones are most likely to be lost, 1 in 10 people questioned as part of the poll admitted to losing their car in a car park regularly, while a very unlucky 14 people from the survey revealed they spent an hour every day looking for a misplaced personal belonging.

The advice from home insurance experts is to ensure that items such as keys and wallets should always be kept in the same place to avoid losing them as it would be a major cause for concern should your house or car keys or lost debit card fall into the wrong hands.

Insurance excess costs pushed to an unaffordable rate by cash strapped drivers

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Cash strapped drivers who’ve increased their voluntary excess on their car insurance policies in order to bring the cost of their car insurance down are increasingly finding themselves in difficulty as they’re unable to afford the excess payment following a claim, according to research by Axa Insurance.

The study conducted by Axa Insurance has found that an increasing number of motorists are unable to afford the cost of repairs on their vehicle following an accident after having increased their excess on their policy. Increasingly, motorists are raising their voluntary excess, with Axa finding that in the last two years, 10% of drivers have increased their excess to help lower the cost of their annual premium.

The number of drivers unable to cover the cost of their excess and then authorise the repairs on their vehicle climbed to 61% in 2011, according to Axa. The figures are especially worrying as this signals that there are potentially un-roadworthy vehicles being driven on UK roads, and also vehicles that are likely to deteriorate as a result of unrepaired damage.

Axa Insurance found that 29% of drivers don’t have any savings to draw upon in order to cover their excess costs in the event of an accident, while almost half of those who took part in the study, 48% have less than £500 on average, while 34% have access to less than £200 in savings.

Insurance experts warn that placing a high voluntary excess of your car insurance policy in order to reduce the cost of the overall premium could work out as a false economy should you need to make a claim. It’s recommended that drivers set a realistic excess which wouldn’t leave them short should they need to pay out following an accident.

Request a home insurance quote from Confused.com for chance to win £1k

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Leading insurance price comparison website, Confused.com, is offering four lucky winners the chance to pick up a £1,000 prize just for requesting a home insurance quote in March.

The competition has been launched off the back of recent research conducted by Confused.com which found that a third of homeowners in the UK have never switched their home insurance policy from their current provider, despite the fact that the comparison website estimates that 70% of us could save money on our policy simply by shopping around.

So if you’re one of the many Brits who’s never switched their home insurance provider, Confused.com are hoping to motivate you to compare a range of quotes this month to see if you could make savings on your cover. You might be surprised how much you could save, plus as an extra bonus, by utilising the price comparison services of Confused.com to request a home insurance quote in March, four users will be randomly selected to win a £1,000 to spend on household bills.

The insurance price comparison website hope that the £1,000 prizes being offered to four users to request home insurance quotes over the next four weeks will help homeowners at a time when many are struggling to keep up with home essentials including maintenance and repair costs as well as household bills.

Get two months worth of free car insurance with Direct Line’s special offer

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Car insurance provider Direct Line are offering two months worth of free car insurance for customers who request a quote before May 31st 2012. The special offer is only available for a limited time so you’ll have to act before the end of May to take advantage of this value for money deal.

Even if your car insurance isn’t due for renewal in the next three months before the offer finishes, Direct Line say their quotes are valid for 90 days so you can still make the most of this special offer as long as you obtain a quote before the deadline and take out a policy within the following 90 days.

With new studies being released daily informing us yet again that the cost of car insurance is continually rising, any special offer which will help lower the price of an annual premium will be especially welcome for UK motorists.

While many of us now turn to price comparison websites in an attempt to find the very cheapest deal on car insurance premiums, Direct Line are not listed on any of the comparison sites so quotes can only be obtained by contacting them directly.

To make the most of the 12 months of car insurance for the price of 10 deal, get in touch with Direct Line and request a free quote.

Travel insurance and star sign link investigated

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A recent study has revealed that your star sign could determine how likely you are to claim on your travel insurance. The research was conducted by Mondial Assistance and appeared to establish a link between a person’s astrological sign and the average cost of their travel insurance claim, including how frequently they are likely to process a claim.

According to the results of the study, travellers who fall under the star sign of Taurus make the most expensive claims out of all the signs in the zodiac, on average 8.5% higher, however they only came in third place for the frequency with which they make claims.

While Virgos have a reputation for making order out of chaos, when it comes to accidents while on holiday, they’re up in second place right behind Taurus, for making costly claims on their policy, however they don’t claim as often as other signs.

The sign which is most likely to make a claim was found to be Capricorn, however they’re not all bad as they were also found to claim the least on average. Gemini came in second place for the frequency with which they make claims.

While the group behind the study insisted that astrological signs are not one of the factors taken into account when calculating a premium for travel insurance, Mondial Assistance said they hoped their survey would help to raise awareness of the importance of having a travel insurance policy in place before we head off on our summer holidays.

Gender discrimination in car insurance most evident in under 20′s

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Gender discrimination in car insurance is still very much evident, especially amongst drivers under 20 years of age, new research has suggested. While the new European court ruling which will prevent insurers from using gender as a determining factor in the cost of car insurance premium comes into force at the end of the year, the recent study shows that at the moment, the gap between the cost of insurance for males and females under 20 is wider than ever.

A new study undertaken by the price comparison website, Confused.com, looked into 4 million car insurance quotes to compile their results. They discovered that claims by young male drivers tend to be more costly to the insurer with the average cost of a car insurance claim for a male driver under the age of 20 standing at £4,400, while the average cost of a claim for a female driver under 20-years of age is just £2,770.

Statistically, male drivers have always been more likely to be involved in an accident which has caused death or serious bodily harm, and so the cost of car insurance for males has typically been higher in order to reflect this risk. However from December, the insurers will not be able to use gender as a means to calculate risk.   

When the new ruling comes into force making it illegal for insurers to discriminate on the basis of gender, insurance experts predict that the cost of cover will remain the same for male drivers, while females will be left out of pocket as their premium is likely to increase in line with the cost of a male driver’s policy.

TomTom to partner insurance broker to create new policy

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TomTom and insurance broker Motaquote have joined forces to offer a brand new type of car insurance policy with the aim of reducing the cost of annual cover for many drivers. The two providers have come together to the new Fair Pay Policy, which rewards safe and careful drivers with reduced premiums.

The new style telematics insurance policy will utilise a TomTom device designed to monitor the policyholder’s driving, the information from which will be used to calculate the cost of the premium. TomTom believe their new style insurance policy will put drivers back in control of their car insurance as the cost of the premium is determined by their driving ability rather than factors outside of a driver’s control such as their gender, address or profession.

Those who sign up to the new policy offered by Motaquote wll be given a TomTom Pro 3100 sat nav which will provide active driver feedback while at the same time recording vital date about the driver’s on the road performance. The device will also alert the driver to any accident black spots or which will hopefully help to reduce the risk of accidents further.

The LINK tracking device will allow the insurer and the driver to check the date collected by the device at any time. The driver can check this information in-car with the use of a dashboard which is supplied along with the TomTom, or they can access the information online. In addition, email bulletins will also be received at regular intervals containing information on journey details and driver behaviour.