Independent Accident Repair Centre in Grimsby

For many young drivers, the cost of car insurance is extremely steep to begin with. This is because insurers view young and new drivers as a risk given their lack of experience, meaning that the potential for a claim being made is quite high. As a result, in addition to the standard compulsory and voluntary excesses, a young driver excess may be applicable to these policies. This is dependent on age and will vary from insurer to insurer, however most policies tend to have this excess applied until they are over age 25. It is important to remember when purchasing vehicle insurance that selecting a higher excess amount will result in lower premiums (and vice versa). Whilst this may be tempting to do, we encourage our customers to always select an excess amount that they can afford to pay, should the worst happen. If you’ve had an accident, we always encourage calling CARS before your insurance company to ensure you receive credible and non-biased advice, tailored to your circumstances. Get in touch with our team on 01472 453622 for further information.  Visit our blog ‘ Common car insurance myths ’ to find out more.

Many insurance companies use no-claims discount (NCD) to reward their drivers for not making a claim during a specified timeframe, usually a policy year. This, in turn, encourages sensible driving behaviour. For example, if four years pass by without a customer making a claim on their policy, they will have earned four years’ worth of no-claims discount. This discount usually results in a reduction in premium costs upon policy renewal. The discount will depend on the insurance company’s specific terms and the number of consecutive claim-free years. In some cases, there may be a maximum limit to the number of years of NCD that can be accumulated, and this should be checked with insurance companies on a case-by-case basis. Protected no-claims discount differs from standard no-claims discount in the way that an insurer may allow for more than one claim to be made before the discount is lost or reduced. A fee may be payable for this added layer of protection, commonly in the form of slightly higher premiums. We always encourage our customers to opt for the highest level of protection when it comes to their NCD. This will ensure that they have a greater level of cover if the worst happens. Always remember that if you’ve been involved in an accident that wasn’t your fault, we have a method here at CARS which enables us to repair your car without impacting your NCD, even if it’s not protected. We also have various excess support options available to our customers. Call us on 01472 453622 for further information. Visit our blogs ‘ How do I choose the right insurance company for me? ’ and ‘ I’ve had an accident; do I have to pay my excess? ’ for further information.