In a nutshell, you have to tell the insurer about anything that might affect the premium. So if you want to go on holiday but have a serious illness, you’re a higher risk so they’ll charge you more. If you neglect to mention it, you’ve ‘misrepresented’ the situation and the insurer can ‘void’ your contract – cancelling it without payment. … [Read more...] about Insurance small print you HAVE to check for before signing anything
Veteran insurance car
MOT TEST PASS RATES FOR CAR MODELS (2019) Make Model Pass Fail Pass Rate HONDA JAZZ 34,039 1,656 95.4% HONDA CR-V 26,347 1,872 93.4% TOYOTA PRIUS 11,559 853 93.1% MERCEDES GLA 13,073 1,018 92.8% TOYOTA RAV4 10,043 787 92.7% SKODA YETI 22,178 1,782 92.6% VAUXHALL MERIVA 13,853 1,116 92.5% MINI COUNTRYMAN 17,853 1,485 92.3% TOYOTA AYGO 38,608 3,298 92.1% SUZUKI SWIFT 20,389 1,760 92.1% AUDI Q5 17,796 1,542 92.0% HYUNDAI I20 23,186 2,044 91.9% MINI ONE 15,320 1,351 91.9% AUDI TT 12,039 1,064 91.9% HONDA CIVIC 26,583 2,355 91.9% VOLKSWAGEN UP 30,219 2,686 91.8% TOYOTA YARIS 52,434 4,668 91.8% AUDI Q3 24,481 2,190 91.8% MINI COOPER 41,401 3,717 91.8% SKODA CITIGO 14,555 1,327 91.6% NISSAN NOTE 29,324 2,805 91.3% PEUGEOT 108 25,993 2,534 91.1% TOYOTA AURIS 29,042 2,833 91.1% FORD KUGA 48,952 4,780 91.1% SKODA FABIA 30,104 2,967 91.0% BMW 218 11,958 1,180 91.0% AUDI A1 40,619 4,036 91.0% VAUXHALL MOKKA 68,127 6,840 90.9% BMW X1 … [Read more...] about The Government faces pressure to scrap the six-month coronavirus MOT exemption: Here are the cars most and least likely to pass the test
Let’s take a particular example of a terrible and tragic road death. In March, Arizona resident Elaine Herzberg died when she was struck by a self-driving Uber on a wide, multilane road in Tempe, Arizona. The crash made clear the fallibility not just of robots—we don't know why the Uber didn’t hit the brakes or swerve—but of humans. The Uber employee sitting behind the wheel, charged with grabbing the wheel to prevent crashes, was looking away from the road when the SUV hit Herzberg. … [Read more...] about Save Lives With Smarter, Slower Streets—Not Self-Driving Cars
Supporters say the bill would force down Louisiana’s car insurance rates, which are second-highest in the nation. They say Louisiana’s legal climate encourages too many car wreck lawsuits, driving away insurance companies and pushing up premiums. … [Read more...] about Senate votes to curb car accident lawsuits in Louisiana
It replaces part of your income - if you can’t work because you become ill or disabled. It pays out until you can start working again - or until you retire, die or the end of the policy term - whichever is sooner. There’s often a waiting period before the payments start - you generally set payments to start after your sick pay ends, or after any other insurance stops covering you. The longer you wait, the lower the monthly premiums. It covers most illnesses that leave you unable to work - either in the short or long term (depending on the type of policy and its definition of incapacity). You can claim as many times as you need to - while the policy lasts. … [Read more...] about What is income protection insurance and can I use it to protect my finances against coronavirus?