Please beware of monthly repayment.

It can look attractive, and yes it is helpful to spread the cost, but you are bound to pay more. The interest rate is often high when compared with the cost of a personal loan from your bank.

There is an interesting piece about car insurance at totallymotor.co.uk.

Their study concludes the average interest charge is 23.8 per cent. And then you are sold another type of insurance called payment protection, in case you cannot make the payments.

We keep saying the same thing. You spend hours finding the cheapest policy, but then you go and blow it on the add ons. At least you aren’t buying legal protection any more - why - because you have it free from Your Key.

Time to do your sums.

Good luck from the team at Your Key

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The first, of course, is to remember not to buy legal cover on any of your vehicles in the family group we cover, as you have that cover free with YourKey.

Following the self promotion, think on these:

The following tips may reduce the cost of your motorcycle insurance:

Having an approved alarm or immobiliser fitted to your motorcycle might help to reduce the premium (With Comprehensive and Third Party, Fire & Theft cover.)
Park your motorcycle in a locked garage or secure, off-street location overnight (With Comprehensive and Third Party, Fire and Theft cover.)

If you do less than 3000 miles per annum, some insurance companies will offer you a reduced premium.
Reduced motorcycle premium with seasonal cover - UK only. So if you don’t use your bike in the winter months you can reduce your premium by only paying for accidental damage and/or Fire and Theft.

Start building your No Claims Bonus as soon as possible. In the long run, this will have a significant impact on your ability to get cheaper motorcycle insurance.

Having an approved alarm or immobiliser fitted to your motorcycle might help to reduce the premium (With Comprehensive and Third Party, Fire & Theft cover.)

Avoid adding modifications to your motorcycle.

If your motorcycle is not of a high market value, it may be cost-effective to have Third-Party, Fire and Theft insurance instead of Comprehensive cover

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You know when you are buying insurance, you are  always sold legal protection or legal cover. It adds up to £25 to the policy, and most people buy it. You are not sure what it is, but it sounds like a good idea. It is sold on every policy you buy, and it adds up.

Your Key offers an alternative. Free legal protection.

So where is the catch? There is no catch, free means free.

Your Key will receive commission if we arrange hire or repair for you after an accident. This is the same commission as your insurance company or broker will earn. The difference is that our legal protection is free.  That looks like a good bargain to us, and we hope you agree.

Our one policy covers any accident, and therefore any vehicle, and we renew it automatically each year. You do not need to buy legal protection again.

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You get an insurance quote, but when you try to buy the policy you are offered a list of extras.

The trouble with insurance is that we are all forced to buy on price. We think every policy and insurance is the same, so we want the chepest. Remember that the basic insurance you buy is designed to cover your liability to others, and not necessarily protect you. Some of the extras are useful, but they quickly increase the cost.

One way to save is not to buy legal expenses insurance, legal cover, or legal protection. You can have it without cost using the Your Key accident support service. Just visit the join now page, fill in a few details, ant the cover is yours.

Our business model is based on us being your first call after an accident. We can arrange the services you need, like hire and repair, and for that we can earn commission. That is how our legal cover can be given to you free.

That is a good deal, and a good way to keep down your insurance premium.

Tags: cheap insurance, insurance addons, legal cover, legal expenses insurance, legal protection
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Breakdown insurance covers a variety of vehicles, including cars, vans and motorbikes, and typically provides services such as roadside assistance, loan vehicles/alternative transport for where you need to go, and can help pay for or subsidise overnight accommodation near the vicinity of your breakdown or your intended destination. Basic roadside assistance will usually take place anywhere on the road in the UK outside a quarter mile radius of your home - additional cover providing support and assistance should you break down on your driveway can usually be added to a policy for a small additional fee.
Breakdown insurance is typically split into two different policies providing either vehicle cover or driver cover. Vehicle cover protects the vehicle itself as opposed to the driver, so repairs can be made regardless of who was at the wheel in the event of an accident. Personal cover is useful for drivers with multiple vehicles - if for example, you drive a van for work and a car for personal journeys, then a personal cover plan will ensure you for any of your vehicles which you are driving.

Your Key recommends you buy breakdown insurance. Your Key is an accident support service, not breakdown, so breakdown cover is important. Do weigh up the options taking account of your vehicles and likely drivers. Do not just take the vehicle insurer’s offer as that may not cover you, your vehicles, and the likely drivers.

Mark for Your Key

Tags: breakdown, breakdown cover, breakdown insurance, roadside assistance
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Arranging insurance online has many advantages, but some complications.

Make sure you have all the details you will be asked to provide, and make sure you get them right. Your insurance policy is based on the details you provide, and if they are wrong your insurer may not pay up.

Amongst other details the insurer will need your driving licence number, details of convictions in the last five years, your insurance claims history, and an understanding of how the vehicle is to be used.

When you buy online be sure you know how the policy is to be delivered to you. So often the email confirming a policy does not reach you. If you are in a hurry, and we all leave things to the last minute, make sure you read the small print so you know what to expect.

Check your email account to see if your security has stopped the insurer’s email. Is it in spam or junk. A useful tip is to search your email account using the registration number of the vehicle you insured. That usually does the trick. If you are to be sent a certificate by post, it may not arrive next day.  Five working days is not unreasonable.

If you need to raise questions with the insurer you should not rely on email. Your details are often sent to you by an unmanned computer sending emails from a “noreply” address. Replying to such an address will not receive an answer. Use the phone or write a letter, and keep a record.

Insuring online can be good value, but it needs time, organisation, and patience. You also need to understand the advantages to the insurer. They save by computerising their systems, they use less staff and office facilities, so they save money.

Let us know about your experience.

Mark for Your Key

Image:www.freeimages.co.uk

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The question to ask is why pay for it?

Often bought when insuring a vehicle, legal expenses insurance can be very helpful. In the event of an accident which is the fault of someone else, you can seek compensation without fear of legal fees. Your legal expenses insurance picks up the tab for you.

The trouble with legal expenses insurance is the way it is sold. It is usually an added extra to vehicle insurance, and its use is limited to that single vehicle. Many people and families have more than one vehicle.

Your Key has the solution through its free accident legal expenses insurance policy which covers you, your spouse or partner, children up to the age of 21 years living with you, plus pillions and passengers. By offering this one policy which covers any accident, it is the only accident legal expenses insurance policy you need.

Mark for Your Key

Image:www.freeimages.co.uk

Tags: legal cover, legal expenses insurance, legal protection
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