Studies in the UK clearly show that lady drivers or femal drivers are better drivers than men because they tend to get involved in less expensive car accidents due to their slower road speed. Therefore, lady drivers are a preferred choice by the UK car insurance industry.

According to experts it is not that women have fewer accidents but the accidents they have are less serious in nature. In a survey by it was found that more than 90% of cases of drunk driving accidents involve men. On other hand, women are cautious drivers. They usually don't have a fast driving habit unlike men. Men are usually aggressive when it comes to driving especially when they're late. On average, women drivers travel shorter distances. Also, married women, tend to drive more carefully.

Women are more likely to have accidents at lower speeds, which causes far less damage to their car. Hence their claims are for smaller amounts unlike men drivers which gives ladies a distinct advntage when applying for womens car insurance quotes..

Many insurers specialising exclusively in lady drivers car insurance have come up to cash in on these existing facts and figures. They provide cheap offers to lady drivers. The arithmetic calculation works in a simple manner ensuring huge profit margins for insurance companies and the advantage of low premiums to lady drivers. It is estimated that all insurers generally give 10% discount to female drivers. However, the difference in premiums between males and lady drivers decrease with age.

Lady drivers in UK have many options to choose from and get the best car insurance deal at a reasonable rate. So, experts recommend lady drivers to shop around and ride home with the best car insurance deal.

Recently, the proposed measure of European Commission to do away the lesser premiums for lady car drivers has invited lot of discussion. Industry experts are of the opinion that the proposed measure would be rolled back in all likelihood and lady drivers would continue to enjoy the cheap car insurance benefits.

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Indonesia’s Insurance Threats

By : Anton Hermansyah

Indonesia is a potential market for insurance, since It has billions of people and relative high growing economics. But why the insurance doesn’t grow as it expected.

I browse to the net, follow the lecturing, done some discussions with my friends, and here are the reasons that I got :

Religion and Belief

Indonesian society has strong belief and religion, they believe if the disaster get on them, it’s because of their failure or disobeying the God, if you get insured means that you don’t believe on God’s protection, and it’s a taboo to talk about disaster (it would be difficult to explain the insurance to them).


They felt they have educated enough about insurance, and all they know in generally is : “If I don’t have a trouble, I don’t get the money. My life is almost trouble free, why should I get insured? It’s just wasting my money!”

Financial Perspective

Prior to previous reason, they haven’t realize insurance as an investment, “If you want to invest, why don’t you buy a house, land or jewelry?” Those still a good investment methods, but not liquid enough.

Financial Condition

It’s all about the ability and the stability. We must have the ability to buy the policy and stabilty to pay the premiums consistently. I’m not sure about the number, but I think many Indonesians don’t have either the ability, stability or both. As long as I see, the insurance buyers in Indonesia are from the middle up economic level and forth, in fact there are many Indonesian people living below the poverty line.

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“Purchasing flood insurance is not something you want to rush,” notes David Beavers of the Water Damage Team. “To properly protect your investments you should take the time to properly prepare before purchasing flood insurance, as rates limits and coverage alter drastically between insurance companies. To help you prepare for your search, please enjoy the following list of tips for finding the right flood insurance.”

1. Assess your Home’s Risk
A nation wide insurance company stated that one third of the flood claims they get come from homes not in a flood prone area. It’s important to consider your real risk for a flood of any kind, and how high if a risk it is. Depending on your homes propensity to flood, the policy you choose should adjust to it accordingly. You can go to the governments flood site,, to get a better idea of your homes risk for flooding as well as some estimates for price ranges you should be expecting.

2. Don’t Wait
It takes awhile to finalize the process of getting flood insurance, and if a flood occurs during that process it’s not likely that you will receive coverage. If you are considering this type of insurance, then make sure you plan to purchase it well before flood or even rain season. Unfortunately, the majority of homes in Louisiana had no flood insurance during hurricane Katrina, and government handouts only go so far.

3. Educate Yourself on Limits
Before signing anything, make sure you know your home well and they type of flood damage it could incur. Then carefully evaluate your flood insurance proposal and make sure you are fully covered for any and every area of concern. While some insurance companies have limits to the amount they’ll refund you for damages, some will cover your home and it’s possessions to the full extent. Do not be afraid to ask questions, express concerns, or criticize rates and limits. This is your home, life, and family you’re dealing with so it’s okay to be a little pushy to make sure you’re getting what you want when you pay for it.

4. Ask About Rate Increases
No one wants to think about their rates increasing in the future when they’re first taking on a new bill, but it is important to remember that your flood insurance rates could very likely rise and you will be expected to pay the difference. Luckily, now that you know this you can take a look at rate limits for each insurance company you consider, and factor them in.

5. Preparation is Key
The more knowledgeable and prepared you are when choosing flood insurance, the more likely you are to make the perfect choice for you. Before going in to question agents, make a list of things you’d like to ask and know. It’s easy to get flustered and forget important things when you’re talking to a smooth talking insurance agent who knows how to make a sale. Know what exactly you’d like protected from a potential flood (just the home, or all possessions or vehicles as well?) and what your budget is. Look online before going out to et a good idea for insurance rates for your area.

6. Ask Neighbors
Don’t be shy to ask neighbors and friends living nearby if they have flood insurance and which company they purchased it from. Make sure to ask multiple questions from overall satisfaction, to reliability and rates. The best reviews are from the customers themselves as opposed to the company trying to sell their stuff.

7. Do Not Rely on Handouts
Although it’s true people living in high-risk areas have the right to government aid in a natural disaster, they aid is very limited. Very limited. If you live in one of theses areas and thus think you don’t need insurance, know that you’ll receive some help but you may lose your home and possessions in the process, as the government is not likely to replace them.

The Water Damage Team is a nation wide disaster restoration company, with years of experience in water removal and water drying. As well as storm damage clean up, contaminated water removal, structural drying, debris removal and mold remediation.

Issued By : Water Damage Team
Source :

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Every state in America makes having some form of automobile insurance or proof of financial responsibility a legal requirement, and each state has its own minimum requirements when it comes to the amount of automobile insurance or proof of financial responsibility a driver must have. Most law abiding citizens comply with the legal requirement of having a minimum amount of automobile insurance or proof of financial responsibility; however, there are still drivers out there who don’t have automobile insurance, or who haven’t shown proof of financial responsibility in the event of an automobile accident.

Even though many states are cracking down by requiring drivers to show proof that they hold the state’s minimum automobile insurance or financial responsibility before they can register their vehicles, there are still drivers who are slipping by. Why would a driver choose not to insure himself and his automobile? Many drivers feel that by purchasing automobile insurance, or by forking out the minimum amount of money to cover the financial responsibility requirements of their state, they are spending money they’ll never see again. Plus, this money they feel “they’ll never see again” is usually money they feel they can’t afford. However, should these drivers find themselves in an automobile accident without at least the minimum automobile insurance or financial responsibility requirements of their state, the legal mess will most likely cost much more than the automobile insurance payments or financial responsibility would have cost.

If you’re thinking about “slipping by” without purchasing the minimum automobile insurance or showing the minimum financial responsibility required by your state, don’t. You may think you’re an excellent driver who will never cause an accident, but your state has made automobile insurance or financial responsibility a legal requirement for a reason and it’s not just to protect drivers who may be involved in an accident in which you are at fault – it’s also a legal requirement that will protect you.

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Generally, most people have a misconception about their insurance agent. They believe that because they have been paying their annual premiums that the agent is concerned about doing what is right for them. While that may be true for a small number of agents, most agents on the other hand know their loyalty is to the insurance company for which they work.

When the adjuster comes out to examine your damage, he or she wants to save the boss as much money as possible. And that means they will do whatever it takes to minimize the value of your claims.

Of course, you won’t be thinking about all of these issues at the time. You will be worried and stressed because of the accident, the fire, the storm, or whatever may be the cause of your claim. And that is why it is important for you to use an insurance claims specialist.

What Does an Insurance Claims Specialist Do?

Insurance claims specialists work with people like you who need assistance in filing their claims and in handling all of the other responsibilities that may entail. The specialist can come into the picture and help you answer questions from the insurance company and deal with all of the other professionals who will be involved in making you whole again. You won’t have to deal with the phone calls, emails and letters from the insurance company, the contractors, or anyone else. All of that will be handled by your claims specialist. You just work on getting your life back together.

Another important service is that an insurance claims specialist can help you interpret the fine print of your policy. Most of us don’t understand the jargon insurance companies use to explain our coverage, the policy exceptions and other elements. They can step in and help you make sense of all the details so you will be armed with knowledge.

Specific Services from Insurance Claims Specialist

As soon as you need to make an insurance claim, you should call in your specialist. Because you will need to make sure your story is coherent, you can work with the specialist before you start answering questions from your agent.

Additionally, if you need a temporary place to live or a rental car or even cash to hold you over until you can begin receiving funds from your policy, your insurance claims specialist can take care of all of these areas for you.

Once your basic needs are taken care of, your specialist will start assessing your damages. He or she will be able to provide a true estimate of what you have lost as a result of the accident, fire, or other destructive event. They can also examine your policy and decide what you can expect to receive based on those damages.

After the wheels of the claims process are set in motion, your representative will work with the professionals on your behalf and will help to negotiate the type of settlement you desire and for the amount you deserve.

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If you find yourself in the position of shopping for an individual health insurance policy, there are certain things you'll want to keep in mind. Whether you are coming out of a job that covered you before, or are at the end of your COBRA benefits, or simply have never had coverage before there are things you can do to get coverage on yourself and your loved ones.

The basic thing to know is that if you have a shot a group health insurance, whether through a job or an association you're a member of, that is usually much more affordable than buying individual health insurance on your own. First you need to figure out your health insurance goals; in other words, what are you after? If you're young, healthy as a horse, no dependents and not attempting Mt. Everest next week, you may want to opt for a policy that covers only the catastrophes, and cover the rest out-of-pocket. On the flip side of that, if you're the sole bread winner with a family to support, the scenario is different.

The basic choices you'll have are Fee-for-Service, Managed Care Plans, and Association-based health insurance. Fee-for-service is the traditional indemnity plan, harder to acquire, more expensive, but usually great coverage. Managed care plans include most HMO's and PPO's. These offer lower costs but your choices are somewhat limited. Another way to get insured is through a group or association you may already be a member of, such as professional, religious or trade organizations. Often they may offer health insurance. It's worth checking out, as sometimes you can strike gold in this vein.

Things to consider when you're looking for any policy are what's covered on this plan, how much are the monthly premiums, what is the yearly out-of-pocket, what is the deductible, how much are office visits, does it cover preventative medicine, vision, dental? And I'm sure you can come up with many of your own. Sit down before you go shopping and make a list of your needs and wants, and decide in advance what you're willing to give to get. Be aware that once you start getting quotes they can vary as much as 50% for the same person! Remember, you're shopping, and nobody's making you do anything. If one insurer isn't cutting it, move on to another. If you're coming at this cold and have no good recommendations it may be wise to use a broker who represents several companies, as he or she wil be more likely to find the best policy for you, as opposed to selling the company they work for.

Shopping for individual health insurance can be frustrating and time-consuming, but if you come armed with facts you'll be able to navigate this highly competitive and ever-changing field.

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When it comes to taking out second property insurance the first thing you have to remember is that it varies a great deal from the type of insurance that you will have taken out to cover your home. It will also depend on what you intend to do with the property you are buying. For example if you are going to turn the property into a holiday home let then you will need more extensive cover than had you bought the property for the intentions of it just being your own holiday home.

Second property insurance includes many different components, some of which you will already know about while others are more complex. The standards of any insurance policy should be included and the most obvious of these are of course the contents and buildings, however if you have such as a swimming pool then this will have to be taken into consideration and should be covered. If you need second property insurance for a holiday let then this is even more extensive, along with the usual components of the insurance you will also need to think about taking insurance that covers you for such as liability to tenants and any staff that you hire to run the holiday home.

One big problem for those who know very little about insurance is the fact that within policies there can be many exclusions, which means if you haven’t noticed them due to not reading the small print then when you come to make a claim it could mean you are turned down. Very often insurers will state in the small print that you have to meet certain requirements when the property is left empty, most holiday homes will be empty for periods during the winter months and this is when factors have to be taken into consideration, which include such things as the risk of flood due to burst pipes.

In order to get the best second property insurance deal then it is essential that you go with a specialist broker, you will be putting a lot of money into the venture and of course want the best possible chance of success. A broker can provide you with the essential information that is needed when it comes to your needs and can also save you a lot of time and money by shopping around for you to make sure you get the best possible deal for your second property insurance. Along with this you will be able to ask any questions regarding anything you are not sure about concerning your second property insurance.

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Rental car insurance can be confusing. You need to make sure you have enough insurance to cover you in case you have an accident, but you don´t want to pay for coverage you already have.

Don´t wait until you´re in a quandary at the rental counter. Before your next business trip, find out if you´re covered through your own automobile insurance policy or through your credit card company.

Auto Insurance
Call your agent to find out what your auto insurance policy covers when you rent a car. To be properly covered in your rental, your existing policy must include liability, comprehensive and collision coverage for rental vehicles. Liability insurance covers you if you injure another person in an accident, and comprehensive and collision insurance cover you if you damage the rental car.

Credit Cards
After you know what your auto policy covers, check with your credit card company. Some credit card companies offer collision and theft insurance when you use their card to pay for a rental, but this coverage is usually secondary to your personal auto policy. Significant restrictions may apply: For example, the card company may require that you decline the rental agency´s collision damage waiver — a provision of your rental agreement that limits your liability for damages to the car. Remember, a credit card will only cover damage to the car, not liability claims against you. That means your credit card won´t protect you if you injure others or destroy property. In addition, this coverage might exclude business use or be limited to a certain period of time and geographic area.

Rental Insurance
If you don´t have adequate coverage through your auto insurance policy or credit card, you should purchase coverage through the rental agency.

The most misunderstood part of rental insurance is the collision damage waiver. A collision damage waiver isn´t really insurance; instead, it´s a guarantee that the rental company will pay for certain damages. Rental agencies offer collision damage waivers or loss damage waivers for about $14 to $20 per day. If you decline the collision damage waiver, you accept responsibility for all damages.

The collision damage waiver also covers "loss of use" — the money a rental agency loses when the vehicle can´t be rented due to damages. In most states, an automobile insurance policy won´t cover this cost.

In addition, when you damage a rental car, some agencies will expect you to pay up front for repairs or replacement costs. This means the money comes from your pocket, and you must get reimbursed by your auto insurance company. The collision damage waiver protects you from these up-front costs.

In addition to the collision damage waiver, most rental agencies offer:

  • Supplementary liability insurance, which acts as secondary coverage to your personal policy
  • Primary liability insurance for drivers who don´t have auto insurance policies or don´t want to use them
  • Personal accident insurance
  • Personal effects protection that insures your belongings.

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Life insurance provides a death benefit, money that your beneficiary or beneficiaries can use for whatever purposes they choose, helping to:

* Pay your last expenses, which may include estate taxes and burial costs
* Replace your income and helping to maintain your family's standard of living
* Protect your family's home by enabling them to pay off the mortgage and other debts
* Pay others to do some of the tasks you do routinely, such as caring for an aging relative or a child, maintaining the yard or home, etc., or having the option to take time to do these things him- or herself
* Ensure a child can go to college
* Provide supplemental retirement income for your spouse or partner
* Provide funds to help settle an estate
* Pay expenses incurred to keep your small business in the family

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Property designates those real or intellectual goods that are commonly recognized as being the rightful possessions of a person or group. A right of ownership is associated with property that establishes the good as being "one's own thing" in relation to other individuals or groups, assuring the owner the right to dispense with the property in a manner he or she sees fit. Moreover, these days, the term property is something, which initiates family dispute, quarrels and relation break-ups. But again, under the laws of some land, property insurance has become very common as well as mandatory these days.

The protection against most risks to property, such as fire, theft and some weather damage is what is known as property insurance. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance or boiler insurance.

There are two main ways of property insurance - open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage causing events as fire, lightning, explosion and theft and also in the case of catastrophes like fire, explosion, theft, or vandalism, property insurance helps cover an individuals costs - whether it's to repair damaged property or replace what he or she have lost.

Now, when we are discussing about property insurance, it is very obvious for a person to ask, what all are covered under this type of insurance. Now, the way an individual is covered for property insurance varies from policy to policy in two main ways:

• The property that is actually insured.

• The type of events that lead to the loss.

In terms of property, some policies cover basic equipment (building structure, furniture, inventory, equipment, and supplies); others insure money and securities, such as lost revenue or cash on the premises, and hard-to-replace records, such as accounts receivable, from damage or loss.

Events that do damage are known as perils or causes of loss, and include weather-related events such as lightning strikes or hail, or human causes such as robbery or vehicular accidents.

Again, there are two types of policies available to cover perils: a named-perils policy, which covers losses resulting from only those perils the policy names, and an all-risk policy (a.k.a. special form coverage), which offers coverage for all perils except those specifically named. These days, a large number of companies are providing the service of property insurance to their customers. The missions of these companies are:

a. Assure stability in the property insurance market

b. Make sure basic property insurance is available for all qualified properties

c. Encourage the maximum use of licensed insurers

d. Provide for the equitable distribution of risk to all licensed insurers

With the aim of fulfilling their missions and to attain their objectives, premium payments in the form of credit cards are also being accepted by these financial institutions. The Insurance Services Office provides insurers with basic premiums incorporating a number of factors to determine the basic risk of your property. The primary factors in setting property insurance premiums include the type of building structure, the presence or absence of protective safety measures, and the proximity of your property to other high-risk areas.

This basic rate is then further adjusted at the discretion of the insurer, who credits or debits based on claims history or specific loss-control measures. In states where rates cannot be adjusted, dividends are commonly used as a way to reduce premiums.

But certain things which must be kept in mind before going out blindly after the schemes offered by the companies. Those check points are:

1. Keep a close eye on renewals

An individual must not get stuck in a pattern of renewing whatever coverage he or she may have had the year before. Your needs may have changed, and you could end up renewing coverage for something you no longer use, lease, or own.

2. Review any exclusions

Carefully read over the policy and make a special note of any exclusions, such as flood damage for example. Depending on your individual business and its location, you might want to purchase coverage for these exclusions.

3. Consider construction

For new construction, it can be a worthwhile investment to consider concrete, brick, or steel for building materials since these are less inclined than a structure made of wood to suffer total destruction in a fire.

Last but not the least, always make sure that the bases are covered by the policy. The following are the general guideline when thinking about what type of property to insure.

1. Buildings and other structures

2. Any outdoor property such as signs or fences

3. Mobile property such as construction equipment or automobiles

4. Machinery

5. Furniture, equipment, and supplies

6. Inventory

7. Leased equipment

8. Computers and other data processing equipment

9. Records, valuable papers, books, and documents

10. Money and securities

11. Intangible property such as trademarks and logos


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Most people believe that individual health insurance and group health insurance are essentially the same thing and that the only difference is that one is sold to individuals and that the other is sold to employers and other group organizations (such as clubs) to cover employees or members of the organization. In fact it is not quite as simple as that and individual and group health plans differ in a number of significant ways.

One of the most significant differences is that a group plan normally has fewer limitations and does not usually require those covered under the plan to provide proof of insurability. In other words the mere fact that you are a member of the group to which the plan applies means that you are eligible for cover.

Another important difference is that the contract for a group plan is made between the insurance company and the employer, union, trust, club or other sponsor and is not made directly with you as would be the case with an individual plan. This means that you have no power to negotiate changes to the plan to suit your own specific needs and that, where changes are made between for example your employer and the insurer, you have no real power to intervene.

The great advantage for most people of seeking health cover through a group plan lies in the fact that it has fewer limitations and is generally cheaper than an individual plan. However, one significant disadvantage is that your membership of the plan is tied to your membership of the group and, in the case of employment, a change in your employment status will affect your cover. For example, if you retire, are laid off, quit, or simply suffer a reduction in your hours you could suddenly find that you and your family lose your health insurance.

Now there is of course some protection for individuals who lose their employment through no fault of their own and the Consolidated Omnibus Budget Reconciliation Act (COBRA) will allow you to retain your group scheme cover for a while (typically 18 months) while you make alternative arrangements. The drawback of course is that you still have to pay for cover and this can be very expensive since you will have to pay not only the employee contribution which you were paying while in work, but also the employer's contribution since you are no longer on the payroll. The benefits to which you are entitled under COBRA cover may also be reduced in many cases.

One other key difference between group and individual health insurance which is worthy of note here arises out of the Age Discrimination in Employment Act. This essentially means that, where a group plan is in existence covering a group of twenty or more employees, the employer must make insurance available to all employees, including their spouses and dependants. Accordingly, there is no age limit imposed for cover and this can be particularly beneficial to older employees.

These are of course only some of the main difference between group and individual health insurance but nonetheless represent a good starting point in helping you to decide between the two. Which you choose must of course be a personal decision but one important thing to remember is that health insurance becomes increasing difficult to get and more expensive the older you get and, even if you do decide to 'shelter' under an employer's plan, the day will surely come when you will be on your own and forced to seek cover outside of your employer's scheme.

Your employer's scheme may be fine today but do not forget to view it not simply in terms of your present needs, but also in terms of your longer term needs.

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Protecting Your Family Abroad

If you have a spouse, dependents, children or anyone in your life about whom you care deeply it adds so much purpose to your life - no longer are the hours spent at your desk or slaving over housework without meaning, in fact no longer are any of the tasks you undertake for no purpose.

If you have someone who relies on you, needs you and loves you right back then their welfare and overall care is of paramount importance to you on all levels; and if you decide to up sticks and relocate overseas to enjoy a better quality of life as an increasing number of families are doing, the holistic approach to the care of your family will be your number one priority.

Moving is one of the most stressful events in anyone’s life, moving abroad doubly so - and if you factor in moving overseas with children, having to find accommodation, employment, educational establishments and new friends for the whole family then the entire project becomes incredibly daunting at first glance.

However, as with any large task the best way to tackle it is to break it down into small pieces and manage each step at a time.

Many people are choosing to move overseas with their family to give them a better start in life, a better quality of life and a safer, more fun introduction to life - sunny overseas destinations are often favoured because the amount of time the family can spend together outdoors swimming, walking, playing and exploring is far greater than in many parts of Northern Europe and America for example meaning that the whole family will benefit from better health, greater levels of fitness and fresher air.

Sunnier countries often have far better and healthier fresh produce for sale, another tick in the box for moving abroad. Often the pace of life overseas is slower, stress is an alien concept, money is a tool rather than a goal and so one’s approach to life can become far healthier and better balanced. All of these factors add up in favour of starting a new life abroad for many families.

However, when one moves from a country like America, Canada, Germany or the UK where health care services are exceptional, the level of assistance afforded every citizen is fantastic and the right to decent medical and dental services is guaranteed, it can be a shock to move abroad and learn that health care services differ greatly, as does the cost of care, on a country by country basis.

Generally speaking it is usually possible to get a decent level of medical care in any major destination in the world - however, affording the care and actually having the right to see a specific doctor can be restrictive and restricted.which is why those moving abroad with their spouse, children or significant others in tow must consider getting international health insurance from the get-go. While insurance is far from an enthralling subject, it is an essential element in the protection of family members when moving to live abroad. The head of the family must ensure that every family member has at least the basic level of cover that will enable them to have emergency treatment and care should they need it, and this will give everyone the peace of mind they need and the protection they deserve.

The good news is that international health insurance packages for the whole family are affordable as more insurance providers battle over customers! It is well worth shopping around for the best quotations before committing to any one provider, furthermore it can also be cheaper to get health insurance from specialist expatriate providers or to find a company local to the destination in which you will be living.

Rhiannon Williamson is a freelance writer whose articles about living abroad, moving overseas with children, working abroad and investing internationally have appeared in publications around the world. She has a wealth of useful information on her website for would be expatriates from how to get the best international medical cover to how to find international schools, from getting jobs abroad to studying overseas.

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Now many Insurance companies are providing insurance plan for any age limit. So get insurance for your children’s better future. Insurance companies are providing all educational expenses of your child. They are gives education fees on 10th, 12th and graduation. Everybody knows today education is so much expensive and middle class people are unable to afford education expenses. Once you get the education insurance plan for your children then after you feel free from your responsibility. Today every child want to do MBA, MCA, CA etc but its fees are too much therefore you must take insurance plan for your children and gives him better education for his better future.

This insurance companies are provides some other benefits also like huge amount in the date of maturity, child’s life coverage, accidental benefit, health care and much interest amount in you invested amount. Money is no matter but your child’s future is more vital, so take insurance for you child. It takes care of your child in presents of you and also after you.

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Regularly check tyre pressures. Incorrect tyre pressures will cause incorrect car handling, uneven tyre wear and can increase braking distances. If your tyres are found to be under the legal limit, 3 penalty points per tyre can be enforced should you be caught.

Regularly check tyre wear. Make sure your tyre tread is wearing evenly on all of your tyres. If they are wearing unevenly i.e. cutting the inside or outside edges / cutting both edges or wearing out the middle of your tyre, your tracking is most probably in need of rectification and/or your tyre pressures are incorrect.

Think about your choice of tyres for your car. Cheapest is definitely not the best. Ask your tyre dealer for a tyre that will wear at a steady rate, yet maintain good grip in wet conditions. A tyre compound that is too hard will tend not to be good in the rain but last a long time, while a softer compound in a tyre will give a better grip all round yet wear out at a faster rate.

Do not use a mobile phone while driving or in traffic. The police are in their right to take the phone from you immediately and issue a fine and enforce 3 penalty points on your license.

Do not let your car run out of fuel. Running out of fuel is classed as an offence and could impose a fine. It also can block important fuel lines and filters which can cause problems with the running of your car in the future.

Keep your windscreen washers full and your wipers in good condition.

Penalty points on your license can increase your car insurance premiums so adhere to the guidelines above for safer motoring and a cheap car insurance guarantee.

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