Drive Through Classic Car Insurance Comparison Supermarket

The driver of this classic 1978 Rolls Royce Silver Ghost decided to take his grievance up directly with his local Tesco supermarket in Andover UK, by driving the car through the plate glass window and into the store.
He might have difficulty getting insurance for his not so cherished vehicle when he finally gets out of prison in a couple of years time........



Maybe he thought you had to go to the checkout to compare classic car insurance prices; a line which this famous store is now offering to its car insurance customers!

Boat Insurance - Hurricane Season is upon us

For those of us who own a yacht or ship sailing in caribbbean waters , you won't need reminding that the annual waves of hurricanes and tropical storms that blast across the Atlantic into the gulf of Mexico is fast approaching!

But what precautions are you expected to take to protect your boat or yacht under your existing boat insurance policy conditions so as not to invalidate the cover?

Insurance Blogger Paul Magus explains.......

Caribbean Yacht Insurance - Hurricane Claims May Be Rejected

Following the recent hurricanes, many yacht owners in the Caribbean are finding that their yacht insurance or marine insurance no longer covers them. By following simple instructions regarding moorings and policy declarations, yacht owners in hurricane risk areas can avoid the disappointment and stress of having a yacht or boat insurance claim disallowed following a storm.

With the hurricane season in full sail and the damage to the US gulf states and the Caribbean from hurricanes Ike and Gustav already running into billions of dollars, Yachtline Insurance of London, one of the major providers of cover for yachts throughout Caribbean region and marine underwriters at Lloyds of London, are warning that in some places, many yacht owners are finding that they are not covered having not complied with the minimum requirements for their policy or taken out or declared the additional hurricane windstorm cover.

"We have insurance loss adjustors working round the clock, particularly on the Islands of Grenada, Jamaica and Cuba which took some of the worst damage from Ike and Gustav. In many places we have found damage to vessels that could have been avoided if the proper hurricane risk management had taken place"

Yachtline are pointing out that no matter who insures you, you should observe the requirements for hurricane yacht and boat insurance which are contained within your policy.

The Caribbean Yacht Insurance cover hurricane affected area is defined as north of 9 degrees North and south of 35 degrees North, west of 55 degrees West and east of 100 degrees West. For cover purposes this encompasses the region west from the Venezuela coast and Trinidad in the South to Cape Hatteras in the north.



The Hurricane season runs from June 1st to November 30th and all laying up conditions and procedures must be observed during this period for the yacht insurance to remain valid.

Monohull boats out of the water, should be protected in a purpose built cradle made of prefabricated steel. Heavy duty webbing should be applied to the cradle to anchor it down at at least four anchor points. All catamarans should be securely laid up ashore and anchored as above. Mast removal and storage on racks attracts cheaper yacht insurance premiums and should be observed if declared. However masts removed and properly attached to the hull is usually sufficient. All sails should be preferably stored safely, and all loose articles properly lashed down. If the boat cannot be removed from the water then stern mooring and guardianage should be arranged with the marina owners.

If boat owners take the simple precautions as laid out in their policy then the number of claims and losses disallowed will reduce. Follow the instructions given when making a yacht hurricane area policy declaration when first taking out or renewing your boat insurance.

How and Where to purchasing cheap classic car insurance online

Purchasing Cheap Classic Car Insurance Cover Online
By Dave Healey

Do you own a car over fifteen years old?
If you do you may well be entitled to insure it under what is known in the industry as a classic car insurance policy.
In the past there were many more restrictions on cover under this type of policy and specialist motor insurance brokers and insurance companies were very particular about the type, age, make and models of the cars they wished to cover on their books. they were also restricted by the number of classic car insurance schemes available to them.



Times have changed and technology has led to many more cars now fitting into a bracket that was once reserved for the glamourous, collector and vintage car owners. It is now possible to obtain both cheap quotes and classic car covers online from many providers including the majority of those famous high street brands, who have realised that nearly fifty percent of the cars on the road now fall within the strict underwriting parameters for classic car policies. Consequently premiums in this market, which were always cheaper than standard cover, have become much more competitive in recent years, with the entry into the market of many of the larger insurance companies.

When searching for the right covers it is wise to get a range of classic car insurance online quotes from various different sources. Not all motor companies are the same, and neither are all classic policy conditions.

When applying for a classic quote you should be aware of the varying limits of cover and restrictions that may be put on driving the vehicle. For example many of these policies will only allow you very limited road mileage each year, sometimes as little as 3000 miles per annum. This is fine if you have an expensive collectors car that is garaged throughout the year and only taken out for the odd cruise or rally. The problems occur much more frequently when non valuable classic cars are insured under this type of policy when they should really be covered under a more embracing standard motor insurance. Unfortunately, restrictive policy conditions often only come to light after an accident and a claim is made, rejected by the insurer and leaves the policyholder feeling missold and abandoned.

If you have decided that a classic car policy is right for your car, then when applying for quotes online always check that the policy is right for you, the owner as well. Many policies are designed to charge by the lifestyle of the insured and as with all car insurance there is a tendency for cover to be cheaper for older persons and women drivers. Many companies will not issue classic motor insurance to persons under the age of twenty five, although this is changing as well, and there are some very good providers out there who will cover drivers as young as twenty one.

If the value of the car is not particularly high and the replacement costs of parts and repairs does not warrant a specialist policy, you may well be better advised to seek out quotes from a mainstream insurance company. They often have additional online discounts and offers which the classic policy providers are not in a position to offer.

As with all car insurance, what may initially appear cheap at policy inception could cause some unpleasant surprises when it comes to making a claim.

Shop around for specialist car insurance and Classic Car Insurance deals. You can cave time by using a specialist classic car insurance comparison site that compares classic car insurance schemes for your model. Compare prices and insurance covers from both major high street brands and the smaller insurance specialists to ensure you not only get a good deal, but get the adequate levels of cover you require for your classic car, as well.

Article Source: http://EzineArticles.com/?expert=Dave_Healey http://EzineArticles.com/?Cheap-Classic-Car-Insurance-Cover&id=2613741