Save money by getting cheap car insurance

How to find cheapest car insurance in UK?

Car insurance is very important, if you drive one. Everyone wants to know the tips of getting cheaper car insurance because the car insurance premiums are not same for every person. Car insurance is a very important expense for a person because of its higher cost. Insurance companies work on the probability of risk so as higher the risk goes for accident, the insurance premium increases. This is because they have to check the possibility of paying insurance and save money.

No one wants to pay equal or greater amount of money than the premium they got because it is a loss. The greater the chance of accident and insurance claim, the greater is the insurance premium. This thing also have a reverse effect so you have to prove yourself, your car and your driving to be less risky in order to avoid greater insurance premium. There are a few simple steps through which you can easily find the cheapest car insurance in UK. You just have to prove yourself less risky because company wants very less claims.

Car insurance company divides cars into different categories on the basis of repair cost, top speed, likely hood of theft, engine size and so on. This division provides them a calculation of possibility of an insurance claim. They have divided the car insurance groups from 1 to 20. So, you have to check these groups in order to find that where your car lies in them.

Finding your car group is as important as finding the good insurance company. You have to understand the basis of premium for your car and it is very important to get

Save money – Cheapest Car Insurance in UK

The most important step in finding the cheapest car insurance is getting a car model which lies in the category of low risk to the insurance companies. Your car dealer can provide you information regarding the insurance premium price of every car. This difference lies even in different models in the same range of money.

The modified cars have insurance premium as thieves are more attracted to them and there are more chances of them to be involved in different accidents. So you have to avoid the modification of your car if you want to avoid higher insurance premium and also getting an alarm system can help you to reduce your insurance premium because it can reduce the risk attached to that car.

The other factor of a car premium is the way you drive your car because it also affects the number and possibility of claim. Your driving history is very important in this matter. If your driving history includes greater number of claims and accidents then your insurance premium will be higher. Your driving speed and the number of mile you drive every day will also affect the insurance premium and that will not save you money. The area in which you have to drive and the driving person are also very important factors. So, you have to control all these factors in order to get the cheapest car insurance in UK.

Find a good bank

How to find a bank that suits you

If you are looking for a bank account, mortgage or credit cards that are right for you, there is a world of options out there to choose from. Choosing the right one is just a few carefully considered steps away, so take your time to look at the options and you could save yourself a headache later!

First of all, think about what you want from a bank. It may seem obvious and straightforward but it is easy to get swayed by tempting offers, hard nose sales techniques and banking jargon. What you require from a bank account is personal to you and you have the right to make the final decision.

Once you have decided your criteria, don’t get persuaded by flashy deals and offers under any circumstances. After all, the bank may offer the very best in air miles deals, placing the world on a plate but if you don’t have a passport and you are afraid of flying, it’s doubtful that you will ever get your money’s worth.

You may be looking for a first bank account, in which case your criteria could be pretty straightforward. You will need an account to have wages paid into and a branch or cash point on your local high street to withdraw your money.

However, you may want to hold your current account and credit card at the same bank for your convenience and you should look at the deals and offers from the various providers.

Often, banks that perhaps have fantastic deals on current accounts are not so good on savings or mortgages. It would be wise to research the best deals for your circumstances rather than throw all your accounts into the proverbial one basket for convenience.

You could end up losing out and in the age of Internet banks and financial services, transfers and financial transactions are easily completed online without the need to visit the branch and you can get your money

If you have been a loyal customer with your bank or credit card for some time, what do you do when things go wrong? How do you complain and get the matter resolved without having to switch to another bank? Here are a few points to make sure you are heard.

Decide what you want, the nature of your complaint and the action that you require. Get your information and details of account numbers etc. and talk to your provider for your money needs.

Find a Bank that suits you

From talking to the bank or call centre, follow up in writing with all the facts including who you spoke to and when and include copies of documents if necessary.

At all times, despite the frustration of being put through from one department to another, stay calm and keep to the point.

Do not start adding in other complaints that were not on your original complaint. Also, keep records of names, times and details of any conversation.

From the outset, make it clear what you would like a resolution to the issue. Do you want compensation, refunds or merely an apology for the mistakes and problem? If you are looking for compensation, keep the amount realistic. If you chase for too much your complaint will not be taken seriously.

If your issue is unsolved after eight weeks you can then take it to the ombudsman who will deal with complaints for banks, building societies, credit cards and other financial providers.

Lastly, if you have followed the appropriate procedures to no avail, know when to give up! If the ombudsman rejects your claim, you will never succeed and never get money.

In this case, we go back to the start of the process and perhaps your best option is to change your bank account and look for a provider that can offer what you need from an account.