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Cheap Car Insurance - Car Safety Car safety may seem to be something that you assum
e most people take for granted - it really means just making sure your car is locked and possibly has an alarm and/or a crook lock as well. Whilst it can mean all these things and important though they are, there are several aspects of car safety that are key from an insurance point of view, and do affect your car insurance and how much you pay for it. Your insurance company will assume or take it for granted that your car is in a good roadworthy condition and fit to drive. It will also assume that the driver is properly qualified and of a legal age to drive. In insurance terms these assumptions are known as warranties and they can be implied or explicit. That means they may be spelled out specifically in the policy or simply assumed as fact. Either way they apply and people should be aware of them. If either of these types of warranty are not complied with, there is a good chance your insurance company will void the policy. This is because your insurance policy is a legal document, and if you don't comply with any part of your side of the contract the other side, in this case the insurance company, may well turn round and refuse to pay any claim, and refund your premium. Not a situation you want to be in, especially if you are a facing a serious law suit for third party damages. Car safety applies to the physical and mental state of the driver, and again it is assumed you are in a fit state to drive the car. This means that if you have been drinking or taking drugs, then your insurance company may well try to void all or part of the contract on the same basis as above. Car safety is also a factor when applying for car insurance, and in the insurance underwriters determining how much you should pay for your car insurance. The factor that normally determines this type of rating is where your car is parked at night, either on the street or in a secure lock up such as a garage. If it is kept in a secure place, it is obviously less of a risk and less likely to be stolen than if it is left out overnight on a street. As such your insurance premium should be lower. Be careful to make sure that your insurance company doesn't make it a warranty of the policy that your car is kept locked up overnight. That could be a hassle if you forget or can't be bothered one night. Also if you buy any locks or security systems for your car and are hoping for a discount from your insurance company, check with them first. They may give discounts only on certain brands of manufacturers that they approve of and will only give you a discount if you buy these or fit their alarm systems. Many people use car rental for many different reasons, and there are many different ways it can impact on their own car insurance policies. The two main ways are firstly in terms of the cost of a drivers own car policy and the additional cost of having vehicle hire included as an optional extra, also the cost of having to hire the vehicle in the event of a claim and not having included it in the insurance policy. The other cost is when someone who has their own car and car insurance hires a car and uses their own car insurance to cover them in part when they are driving the hire car, rather than using the insurance provided by the hire car company. This can be quite a complex area and potential fraught with difficulties, but can represent quite a significant sum financially. The first area involves the optional extra of including hire car coverage with your insurance policy. This option will most likely only be available to people who take out fully comprehensive insurance and have the possibility of this extension being included or not. Insurance companies offer these types of extra or additional cover as a way of earning money really and each policy needs to be assessed on its own merits. Most insurance companies will offer the facility of a hire car in the event of the insured person's own car being unavailable, normally as a result of a potential claim for theft or because the car has been involved in an accident and isn't drivable. Insurers will normally offer this facility for a limited period of time, say fourteen days. They will most likely make a charge for it, although some insurance companies will make a point of offering it without charge as a benefit or selling point of their company's policy. It is a risk factor, in the sense that if you are dependent on your car because of work or school runs etc, its most likely that you will need to hire a vehicle in the event of yours becoming unusable as a result of an accident or if it is stolen. Obviously the cost of this could be quite significant, especially if the need to hire a car exceeded fourteen days or however long the insurance company might have paid for the use of a hire car for. That is a calculated risk that the driver or insured person will make when getting a quote and obtaining their car insurance initially. The second area, as outlined above is where a diver uses his own insurance policy to cover himself/herself when driving a hire car or vehicle. The important thing here is clarity. The driver must be clear that his own insurance policy allows him to do that, or get a policy extension authorizing it. The hire car company will probably want a minimum level of insurance cover effected with them, irrespective of whatever cover the driver may have additionally.

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