Cash For Cars – WeWantAnyCar.com

A lot of people these days prefer to receive quick cash for cars from sites like WeWantAnyCar.com than go through the tedious process of selling a car through online and newspaper ads. This sell car for cash option is much faster, and much more convenient.

Sometimes people just can’t wait because they need the money for an emergency. Some even need the money so they can take advantage on a great deal on another car they’re planning to buy. Others simply just don’t want to deal with the hassle of putting up a car for sale and then haggling with dealers or potential buyers. They don’t want to waste time and effort.

Who Buys Cars for Cash?

With car valuation sites, such hassles are entirely avoided. But it all depends on the car valuation site you use when you want to sell your car for cash.

Here are your best options: 

• https://www.wewantanycar.com/
• https://www.webuyanycar.com/
• http://www.trustedcarbuyers.com/cms/we-buy-any-car
• http://www.cash4cars.co.uk/
• http://bestcarbuyer.co.uk/

So let’s take a closer look at WeWantAnyCar.com and see what they offer. It’s one of the most highly regarded services, so let’s find out why this is.

Ease of Use

Like most car valuation sites, WeWantAnyCar.com doesn’t use any sort of complicated procedure so you can get a quote for your car. For a general idea of the price, you can just enter your reg number on the website. That tells the car valuation website the basic info regarding your car, such the age, make, model, and the size of the engine.

To refine the estimate and make it more accurate, you can provide a few extra details. You can provide data about the remaining MOT, the cosmetic condition of the car, and specify any damage that may have happened to the car.

Once all these things are done, you can then get your online quote.

Speed of Valuation

When WeWantAnyCar.com says “we buy cars for cash”, they’re serious about offering quick service when it comes to the valuation. When they say it takes only a few minutes, they mean this quite literally. You will find the quote sent directly to your inbox. But you have to remember, this is just the initial estimate of the value of the car.

When they buy cars for cash, they need to have a team go over the car for a full inspection. So they’ll send a team from a nearby branch and they’ll look over the car fully. This final inspection determines the final quote.

This is a very common procedure that applies to all the car valuation sites we’ve listed earlier. Every online quote is dependent on the visual inspection. If you have dents, chips, and other minor imperfections, the price drops a little. They may say “we will buy your car for cash”, but that doesn’t mean they won’t do their due diligence.

What’s great about the WeWantAnyCar.com quote is that it’s free, and there’s no obligation to agree to the final offer. You’re perfectly able to go to the other sites and go through the same process. If somehow one of the other sites offers a higher quote, WeWantAnyCar.com will match it.

Time Taken for Payment

Although all these car valuation sites say the same thing (“we buy your car for cash”), they don’t actually offer real hard cash you can immediately pocket. That’s not really legal, due to the laws about money laundering. The company needs to have a record of the actual money that changes hand.

With WeWantAnyCar.com, once you’ve agreed to the final quote then you can leave your car at their branch. You then just have to wait a maximum of 4 working days to see the money sent to your bank account.

It will take more time if you still have car finance involved. You’ll need to bring WeWantAnyCar.com a letter from your finance company confirming the settlement figure. An NMR discrepancy can also delay the payment.

But if there’s no problem, then 4 days is the longest you’ll have to wait. You may even get the money earlier than that.

There’s also the Fast Track payment method, which you can get for a £24.95 fee. As long as the deal is arranged and you opt for the Fast Track method before 4:30 PM, you can actually get the money in your bank account that same day. After that, you get the money the next day.

Online Valuation vs. Average Private Sale

The main value of online valuation is at the very least you can get a real clue on what price to offer your car if you want to sell it on your own. That’s the problem with private sales. When you price it too high, it can remain unsold for a long time. If it sells very quickly, part of you wonders if you offered it for too low a price. At least with the valuation, you have a place to start with the price.

But you can also use the online valuation service to buy your car for cash instead. That’s because when you sell your old car for cash through these sites, the sale can go very quickly indeed. The process is very efficient, so you can get the cash you need for any emergency.

With car valuation sites, you avoid the waiting for buyers, the need to entertain each inquiry, and the haggling process. You even avoid all the paperwork hassle. With the car valuation sites, when they say “we buy cars cash” they pretty much take care of everything.

Location and Collection

The main requirement of WeWantAnyCar.com is that your car should be able to start and run. They don’t buy non-running cars. That means you have to drive the car to one of their branches. They won’t collect your car.

There’s a branch locator on the website, and all you need to do is to enter your postcode to find the nearest branch to your location. There’s one branch bound to be near you, since they have 70 branches nationwide. You can then just call the branch and make an appointment when you want to sell old cars for cash.

Difference in Actual Price Paid Vs. Initial Valuation

The actual price offered by WeWantAnyCar.com may differ from the initial valuation if the details you offered don’t match what the final inspection team finds. The final price may drop due to several possible reasons:

• If you use the car for more than 12,000 miles a year
• If the car has had more than one owner per year
• If you only have a partial service history instead of a fully up to date service history that’s completed by a VAT registered dealer.
• If there’s no MOT.
• If it’s in an unpopular colour.
• If it comes with lots of scratches and dents.
• If the car is an insurance write-off.

Customer service

The customer service with WeWantAnyCar.com is quite helpful, professional, and friendly. Your questions are answered fully, and they don’t mind it if you don’t agree to the sale right away if you want to check the other sites. After all, if they offer a higher valuation after the inspection, WeWantAnyCar.com will match it.

PROS:

• The entire process is quick and efficient. There’s not much hassle involved.
• com will guide through every step of the process, especially regarding the paperwork.
• You can get same day payment.
• com will really buy your car regardless of the cosmetic condition, the mileage, or the make of the car. This site is best for any car as long as it’s running. They even buy vans too.

CONS:

• You just need to remember that your car should start and run. If it’s not able to do so, you may have to try the other websites.

 

Consumer Ratings

The WeWantAnyCar.com site comes with very high customer ratings, with service ratings of 91% to 95% at Feefo (The Global Feedback Engine). Customers really love the fact that the price you get from WeWantAnyCar.com is often higher than what you can get from other sites. It’s why they offer to match higher quotes—that very seldom happens.

Customers also love the efficiency of the process, and the friendliness of the staff and of the inspection team. Once the final inspection is complete, you get the quote. Then you can check this amount to what the other sites offer (if you have the time). But a lot of customers have already confirmed that for the most part, WeWantAnyCar.com does offer the highest final price of them all.

Bottom Line

So should you use a car valuation site when you want to sell your car? It depends. Selling to a car valuation site may not fetch as high a price as in private sales. After all, the people who make the offer are experts, unlike some buyers who may unknowingly pay too much.

But in return, you get your money faster. You also avoid the wait for buyers and hassle of haggling. So if you want to get quick cash for cars without the hassle and the waiting, car valuation sites are your best option. And if you want to get the most money, then WeWantAnyCar.com is your best option among them all.

The post Cash For Cars – WeWantAnyCar.com appeared first on Cars Website.

source http://www.cars-website.co.uk/cash-cars-wewantanycar-com/

Eurocarparts.com Review

Here in the UK, find the cheap auto parts you need isn’t always easy. These things can be pricey, and when you find them cheap there’s often a very good reason why the price is so low. But you can actually get cheap car parts online if you just known the right site to visit. And for thousands of people each day looking to buy cheap car parts, that website is Eurocarparts.com. This is the site to get cheap car parts UK auto owners need to visit.

How Easy Is It to Use?

Despite the somewhat busy design used for the site when you first come to the home page, Eurocarparts.com is actually rather easy to use. On top there’s a floating menu with the current weekend sale info, including the code to use and a running countdown timer showing you when the weekend sale will end.

The other floating website features are the small feedback button on the side, and the live chat bar at the bottom.

On top you have a search bar where you can enter a keyword, car part, brand, or category. Alongside it, there’s a button to determine the country you’re in and the currency you want to use (a popup lets you pick between UK and pound, France and euro, and Germany and euro). There’s also a sign in button and a basket icon showing the items you want to buy.

After that, there’s a row of car parts categories that allow you to find the type of car parts you’re looking for. Then right in the middle of the screen, you have a huge ad showing the details of the current discount promo, plus a form where you enter your car info so that the parts that will be shown to you will be suitable for your vehicle.

Then you can click on the clearance section or click the huge button detailing how the delivery system works. Below those buttons, you then have a dozen of the latest offers along with the discount information.

After that, you have a bunch of brands the site offers, then a sign up button for the newsletter, another button to direct you to the clearance section, a blog, and then a link to their repair shop. Finally you have the testimonials.

It’s pretty much straightforward, actually. It’s very easy to navigate, and you have several methods to use to find the car parts you want. You can also just navigate the various sections to find something that interests you, or you can just go to the clearance section for fantastic discounts.

What Can I Buy Here?

Well, the short answer is just about everything. The site offers more than 130,000 parts in stock. You’ve got your basic car parts, cheap motor parts, performance parts, and many different accessories for cleaning and maintenance, electrical and mechanical components, safety and security equipment, and essentials for winter or summer. Here you have lots of tools to choose from, different car batteries, and various engine oils.

Even if you’re looking for cheap truck parts, you’ll find what you’re looking for. You’ll find various car parts for cheap, including sweatshirts and Bluetooth speakers that look like stuffed toys (yes, they apparently exist).

How Good Is It Compared to Other Websites?

It looks very good, regardless of the website you compare it to. Aside from the easy navigation and the wide variety of cheap parts, the shipping time is very speedy—and affordable.

The free delivery gets you the item you bought in just 2 to 4 working days, but that’s only when you buy just a few car parts cheap. If your total purchase comes to more than £10, then you get same day delivery for free. Just order before 3 PM, and you’ll get your cheap parts for cars by 6 PM. If you’re buying a cheap car part for less than £10, then this same day delivery service will cost you £3.95.

There are other delivery options for next day or 48-hour delivery, but the same day delivery is your best option. You only need to cross the £10 threshold.

You can also just click and collect, if you want. This way, you can get the item from your local Euro Car Parts store. There’s probably one near you as there are more than 200 branches in the country.

All in all, Euro Car Parts looks good compared to other cheap car parts websites. When they say it’s cheap here, they mean it. Some of the discounts can go up to 71% off. For some of the items, even a 20% discount reduces the price by £100. There’s also a price match offer so you really can get everything from their site at the best prices.

As for the quality of the items, they’re good too. If somehow you get a car part that doesn’t satisfy you, there’s a 365-day return policy. They’ll even arrange for the pickup of the faulty item for free. You can then get a replacement or a refund.

PROS:

• You can buy just about any car part here.
• It’s easy enough to find a specific car part, or to browse for an item that may interest you.
• The prices are very low, especially with the sales promos and the clearance section.
• The delivery is very quick.
• The refund period is for an entire year.
• Many customer reviews (even the ones listed in independent sites) find it a very satisfying website to shop from. The item arrives as advertised, the prices are low, and customers also appreciate the quick delivery.

CONS:

• There’s really nothing bad about it. Of course, they can improve the web page by making it less busy to look at. Also, it would help a lot if the product categories come in a floating menu, so you won’t have to scroll up from a very long list to get to another category.

Pros

Conclusion

So should you buy your car parts from Eurocarparts.com? If you’re a UK resident and you want to high quality yet cheap auto parts, then the answer is definitely yes. It’s the one-stop shop for all your car part needs.

 

The post Eurocarparts.com Review appeared first on Cars Website.

source http://www.cars-website.co.uk/eurocarparts-com-review/

GAP Insurance – Who Needs It?

There are many reasons why you may want to buy a brand new car, but it’s generally not meant as an investment. That’s because once you drive off with your brand new car from the dealership, it immediately loses a large percentage of its value. Inside a year, a brand new car typically loses 30% of its value. During the second year, you lose another 20%. So in other words, if you try to sell your car after 2 years, you’re only getting half the price you paid for it.

The problem is that when you’re buying a new car, usually you get a car loan. So let’s say you have a 5-year car loan, and you cover 20% of the price of the car after the first year. So there’s a 10% GAP in the price right there.

Imagine that you bought a $36,000 car and you’re paying it in $500 monthly installments. But then 2 months later, you total your car in an accident. Your bad luck doesn’t end there. Since you’ve paid just a total of $1,000 for the car, you still owe the car loan company $35,000.

Meanwhile, as the car has been totaled your car insurance company is required to pay you the actual value of the car. But that’s $36,000 minus 30% of its original value. So now the car insurance provider will give you back $25,200. Thus, you’re going to have to pay an extra $9,800 for a car that no longer exists!

Why buy GAP Insurance?

So why buy GAP insurance? It’s simple. You pay a little money, and you don’t risk paying a lot of money for a totaled car.

You’re now aware that you stand to lose quite a bit of money, if you total your car too soon after you buy it brand-new. To insure yourself against such a loss, you can buy some GAP insurance to cover the risk. You only pay a small amount of money so that in the case you total your car too soon, you don’t suffer a more catastrophic financial loss. That’s what it means when you buy GAP insurance.

Basically, you can pay a few hundred dollars (or even less) for an entire year just so you’re covered during that time. The GAP insurance provides you with the extra money so you get the difference between what you owe the car loan company and the money you get from the car insurance company.

The details of the GAP insurance obviously will differ depending on which insurance provider you make a deal with.

Types of GAP Insurance

Several types of GAP insurance are generally available for you:

• Return to invoice cover. This is the type of cover that applies when you buy your car from a dealer. The GAP insurance provider usually has some mileage and age limitations, however. For example, it may only apply if the car has less than 70,000 recorded miles and it’s less than 6 years old.

This type of GAP insurance will pay for the monetary difference between the value of the car when you bought it, and the money you get from the insurance company. So if you bought it for $25,000 and your original insurance company pays out only $18,000 then the GAP insurance company pays the extra $7,000.

• Finance cover. This covers the gap between what your original car insurance company pays out and the amount of money you still owe with the car loan company. So like the earliest example we gave, if you still owe the car loan company $35,000 and the car insurance company pays you $25,200 for the totaled car, then the $9,800 difference is paid out by the gap insurance company.

• Return to value cover. What if you don’t buy your car from a dealer? This return to value cover can then be a viable option. It first estimates the value of your car before you buy the gap insurance. Then when the original car insurance pays you out for the totaled car, the gap insurance covers the difference from the value of the car.

This means that you want a GAP insurance company to make as high a valuation for your car as possible. If your original car insurance company pays you only $15,000 for your total car, then you may get $3,000 from your GAP insurance company of their valuation at the time you bought the car is $18,000. If their valuation of the car was only for $17,000 then you only get $2,000.

• Vehicle replacement cover. This time, the amount covered by the gap insurance is the difference between the car insurance payout for the totaled car and the cost of replacing the car. The car must be the same model and make with the same specs.

Basically, this is a straight-up replacement deal so you don’t lose money. You get the very same car right afterwards and then the gap insurance money makes up the missing amount when you replace your totaled car.

Should I Buy GAP Insurance?

So should you buy GAP insurance? That depends. If there’s a significant GAP between what you can expect from the car insurance and the value of the car, then it can be a very deal for you.

There are several instances that make it the right case when to buy GAP insurance. These are when the GAP can be quite large.

• You’re buying a brand new (or even just a slightly used) car.
• You only put down a small down payment for the car when you’re financing it, so you still owe a lot of money to the car loan company for the first 2 years or so.
• You’re buying a very expensive car. That means the 30% devaluation for the first year will really equate to a very large sum of money. Imagine if you’re buying a car for $100,000. In the first year, it’s only worth $70,000!
• Even if you’re buying an econo-car, the money from the gap insurance can be a lifesaver if you don’t have enough money in your savings account to cover the difference when you total your car and you don’t get enough from the original car insurance to buy the same car.

So is it worth buying GAP insurance? For these instances,GAP insurance makes a lot of sense. But once the GAP no longer exists and you get a payout from the car insurance that matches your needs, then you no longer need the extraGAP insurance.

How to Buy GAP Insurance

The first step in buying GAP insurance is knowing where to buy it in the first place. Though you have several options as to where to buy GAP insurance for car replacement when you total your new car, you don’t buy it from the dealership. That’s because car dealerships tend to inflate the premiums you have to pay for GAP insurance. Many car owners buy it from them because they think that they’re the only source of gap insurance. That’s not true at all.

You can start your search by asking if your car insurance offers GAP insurance too. Other insurance companies may also let you buy GAP insurance only. You can also buy online.

You can discover where to buy GAP insurance online comparing the following factors:

• Does the GAP insurance policy cover your situation? The GAP insurance provider may not be suitable if they only offer GAP insurance if you bought the car from a dealership and you actually purchased it from a private owner. If the GAP insurance policy is about how much you owe the car loan company, then it won’t work in your case if you bought the car up front.

• How much money do you stand to get? This means you need a quote or a formula from the GAP insurance company so you have a firm idea of what they will pay out. How much do they think your car is worth after 6 months or a year? How much do they think your car is worth now? It’s best if you can get a return to invoice cover, since that means the car didn’t devalue at all.

• How much do you have to pay in premiums? Obviously, the lower the premium amount, the better it is for you. However, when you stand to get more money from the payout, you generally pay more for premiums.

If the GAP in your case is huge, then it’s really a good idea to buy GAP insurance. The idea with insurance in the first place is to protect yourself from a disastrous financial risk, and GAP insurance eliminates the risk when you pick the right provider. While car rental insurance may not make sense, GAP insurance can be worth your money.

The post GAP Insurance – Who Needs It? appeared first on Cars Website.

source http://www.cars-website.co.uk/gap-insurance-get-good-deal/

Car Tyre Insurance – Should I Invest?

Do you think that you have a need for car tyre insurance? Think about it. The tyres are the only parts of the car that actually get into contact with the road. So it can be damaged when you’re driving and you run over various road hazards including debris and potholes. You may hit the tyres on the kerb while you’re parking. Someone may be angry at you and decide to slash your tyre. A thief may try to steal your tyres and rim. So with tyre insurance UK you can at least have some financial assistance should these things happen to you.

What is Car Tyre Insurance?

It’s basically the insurance protection you get if ever your tyre is damaged beyond just wear and tear. However, it must be noted that the policies can be different depending on the car maker and the insurance company. Each one may have a different idea of what a valid claim is. They will certainly have a different set of restrictions when the damage to your tyres is not valid. The provider may even offer motorcycle tyre insurance.

Most of the time, the coverage is limited to just accidental damage when you’re driving. But others may also include slashed tyres insurance and other forms of malicious intentional damage. Some may even offer tyre fitter insurance, when the tyre fitter accidentally damages your tyres when they are fitting in the tyres during a check-up.

There are also some insurance companies that may offer wheel and tyre insurance. But you have to make certain that the policy covers the type of wheel you have. Some types of alloy wheels may not be covered at all. Also, some policies specify that they don’t cover mere cosmetic damage to the wheel. When it comes to wheel and tyre insurance UK residents must be very sure about the various details specified in the policy. For example, the policy may or may not offer winter tyres insurance at all.

Examples of Tyre Insurance Policies

Here’s a quick look at some tyre insurance policies offered by car makers.

 

• Mercedes Benz. The Mercedes tyre insurance policy covers cars, SUVs and even light commercial vehicles, but only if they’re all used for private purposes. This policy covers the tyres and the rims. You get 24-hour roadside assistance, a towing service to an official dealership or supplier, coverage from any roadside hazards like rocks and potholes, and even coverage for malicious damage. What’s more, there’s no excess fee or treat deduction when you make a claim.

  However, it doesn’t cover commercial vehicles of any type, or private cars that are sometimes used for work purposes (including private pizza delivery vehicles). If you modify your car or even convert it to turbo, the deal’s off. The policy also doesn’t cover cars that are used or have been used for motor competition.

•  

  The official VW tyre insurance policy (Ensurance) in the UK is actually free, but they don’t give out details about the tyre insurance. But a look at the Australian tyre and wheel insurance should give you an idea of what to expect, although the Australian version comes with premiums. They cover accident damage while driving your car on the road. There are two basic policies (Standard and Prestige), but both policies offer rim coverage limits of $1,100 for the year. For just the tyres, the Standard has an AUD$375 limit per tyre, and all claims can only total up to $750. The Prestige offers an $800 max for each tyre, and a total max of $1,400 for all claims.

  However, they don’t cover any malicious damage to your tyres and rims. They don’t cover mere cosmetic damage either.

How to Choose A Tyre Insurance Provider

It’s always a good idea to at least take a look at the official tyre insurance offered by the car makers themselves. But it may not always be a good to get insurance through car dealerships. A recent study made by the Australian Securities and Investment Commission (ASIC) found that the tyre and rim insurance offered by car yards were generally rip-offs. They’re very expensive, yet they actually offer very little benefit.

So what can you do instead? You may want to ask around your circle of friends and family for some advice, especially those who already have tyre insurance and have made a successful claim.

However, if none of them has this type of insurance, it can be a bit of a challenge for you to find one. Tyre insurance comparison can be difficult, since each company offers not just different quotes but also different conditions. So here are a few tips.

• Read as many tyre insurance reviews as you can. Your best bet here is to read the reviews on independent websites, and not those on the insurance provider’s website. Make a list of the insurance companies that seem to have a good reputation.
• Go to the official website of each of these providers, and find if their tyre insurance details matches your needs.
• Ask for a tyre insurance quote from at least 3 companies. Check the details of the policy if they cover the type of wheel you have, or if they also cover criminal damage to your tyres.

Yes, it’s a lot of work, and making a claim means more work too. So at some point you may be wondering if it’s actually worth your time, effort, and money for premiums.

Conclusion

So do you really need tyre cover insurance? Admittedly, this seems like a very debatable proposition. You can simply write off the cost of tyres as a regular part of the vehicle maintenance, since repairs and replacements aren’t all that expensive or all that frequent. If you do get a puncture, it’s no big deal. The bigger deal is for you to have to argue with an uncooperative insurance company that delights in pointing out the fine print in your policy that makes any claim you make invalid.

Still, car tyre insurance may work for some people, especially those who drive on low quality roads frequently. That makes tyre damage much more likely, and tyre puncture insurance makes a lot more sense.

 

The post Car Tyre Insurance – Should I Invest? appeared first on Cars Website.

source http://www.cars-website.co.uk/car-tyre-insurance-i-invest/

Scratch and Dent Insurance – Everything You Need to Know

Accidentally scratching your car is one of the most frustrating and head-scratching things that can happen to you as a motorist. You could have accidentally scratched your car’s body with your key, or another object. Or you may have caused a dent on it because you were simply careless in parking. Car dent and scratch repair can cost you a lot especially if you’re driving a new model. Thus it’s nice to have some peace of mind knowing that you can get yourself protected during times of unexpected expenses, right? So the question is—should you get scratch and dent insurance?

What is scratch and dent insurance?

Scratch and dent insurance is an insurance policy that protects you against dent and scratch repair costs. It is also called as minor damage insurance and cosmetic car insurance. As long as the damage to the car fits the specifications described under the terms of the policy, this policy will allow your car to be repaired at no cost to you aside from a small policy excess.

It usually covers parts and labor for the repair of a vehicle in the event of accidental damage to the bodywork such as:

• Car dent and ding removal
• Paint chips and scratches
• Scrapes
• Scuffed bumpers

The size of those imperfections will also be considered. For example, if the chip is larger than 1.5 cm in diameter, or more than 3mm deep, then it is unlikely it would be covered by the car scratch insurance cover.

What It Doesn’t Cover

But keep in mind that it doesn’t cover dents and scratches caused by the following:

• Vandalism— if your car was vandalized by other people, the damage will be covered under your car’s comprehensive coverage. This is due to the fact that comprehensive coverage is typically designed to pay for repairs caused by vandals.
• falling branch/tree—if the scratch in your car was caused by falling branches of trees, then you can make a claim on your comprehensive claim.
• Collision with another car or object—this is usually covered under a collision coverage
• Minor body damage caused by a road accident
• Minor body damage due to stickers and vinyl wraps
• Variation in the color and finish of the pain due to the old age of the vehicle

Why Do You Need Scratch and Dent Insurance?

The cost of repairing the above mentioned damages to your car’s body could become expensive over time. You may argue that you can claim for the repair and labour on your standard motor insurance, but the downside is that you will lose your no claims bonus.

This is where dents and scratches insurance policy can come in. With it, you don’t have to lose your no-claims bonus.  Plus, it gives you the opportunity to maintain the good condition of your car’s bodywork without having to deal with untimely expenses.

Is It Worth It?

It’s really up to you. If you are the type of car owner who isn’t bothered by the sight of scratch and dent on your car’s body, then you might not need this type of insurance at all.

But if you’re the kind of motorist who hates seeing scratches and dents on your vehicle, then this is a type of car insurance that you will likely appreciate. After all, you should realise that the cost of dents isn’t that cheap at all. In the UK, the average cost of filling and spraying multiple dents is £150.

You’ll also find scratch and dent insurance UK worth it if you plan to sell your car down the road. Naturally, you want to make your vehicle as attractive as possible if you want to get the best offer for it.

For those who have purchased this type of insurance, it’s very much worth every penny. Aside from the peace of mind it gives them, it is also very convenient.  Instead of leaving their cars at the garage to be fixed for a few days, they get to have their vehicles fixed right at their home by a mobile repair unit.

What to Consider When Choosing a Scratch and Dent Insurance Provider?

You might be convinced that you need a car scratch insurance, but that doesn’t mean that you will just purchase from the first insurance provider that you come across with.

There are several things that you have to look for such as:

• Claim limit—most scratch insurance providers offer 3 claims in 12 months.
• Duration of cover— you can choose from 12, 24, or 36 months.
• Free transfer— some providers offer this option. In case you sell your vehicle before the policy ends, and you made no claims, you can have it refunded. Or you can carry the balance of the policy against the cost of a new car insurance policy.
• Cancellation rights

Where is Best to Buy Scratch and Dent Insurance?

The Internet is still the best place to buy scratch repair car insurance. You can easily request and compare quotes from scratch insurance companies online. You can also clarify specifics of car dent and scratch insurance policies sold by insurers online.  Aside from the websites of car insurers, you can also go to third-party websites where you can compare quotes of various insurers offering scratch car repair insurance.

How to Buy Scratch and Dent Insurance

Buying scratch and dent insurance is similar to shopping for any kind of insurance. To get the best deal, you should request for quotes from multiple insurance companies.  Compare quotes according to the length of the coverage. Aside from the pricing, you must also compare the features of the policy.

The bottom line is car scratch and dent insurance can help you save in the long run, as you will be able to repair car scratches without having to pay exorbitant fees. You can repair scratches on car immediately without having to bring your vehicle to a local auto body repair shop. And you can maintain the good looks and preserve the value of your vehicle in the long run.

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source http://www.cars-website.co.uk/scratch-dent-insurance-everything-need-know/

Excess Warranty Insurance – Is it for me?

Not all people can afford a brand new car; so others settle for a second hand set of wheels. If you’re one of them, you should consider buying excess warranty insurance as well.  You might have read from car warranty reviews that getting a second hand car is a bit risky because you’re getting a vehicle that could likely break down at any given moment. By buying extended warranty for used car, you can protect yourself against expensive car repairs.

What is Excess Warranty Insurance?

Excess warranty insurance is a type of insurance that covers the cost of repairs and maintenance on a car. It protects the policy holder against unexpected and expensive repair costs should something go wrong with a vehicle, usually a second hand one.

Typically, car warranty is standard when you buy a brand new car. But when you purchase a second hand automobile you don’t get the same level of protection unless you pay extra for the extended warranty of the vehicle. By buying excess warranty insurance, you can continue to benefit from the cover beyond the first couple of years of owning the second hand car.

What Does Excess Warranty Insurance Cover Specifically?

The best extended warranty for used cars can protect you against replacement or repairs of any defective components of a car such as:

• Engine
• Transmission
• Cooling system
• Air conditioner
• Electrical system
• Steering
• Fuel system
• Seals & gaskets

The insurer will not only pay for the costs of replacing or repairing the defective car parts, but also pay for labour costs.

It will also cover tyre protection, and give you various benefits like rental car assistance which should come in handy if your car is being repaired. You are also covered should you require emergency roadside assistance.

What Does It Not Cover?

It’s unlikely the following will be covered in an extended warranty insurance policy so be sure to double check.

• Damage due to overheating
• Routine maintenance items like oil changes, brake pads, filters, spark plugs, tune ups, etc.
• Any vehicle that has been declared a lemon or a vehicle found to have various manufacturing defects that can affect safety and value of the car
• Cars in limited production
• Modified or concept vehicles
• Vehicle which has an altered odometer
• Vehicle with no valid manufacturer Vehicle Identification Number
• Vehicles with modifications in key parts like engine, suspension, and transmission

When Do I need Excess Warranty Insurance?

You would need excess warranty insurance if the car you’re getting has it’s manufacturer’s warranty set to expire. This would protect you in case something goes wrong with the car, and you have to send it to the garage for repair.

Getting excess warranty insurance is practical if you intend to keep your car for a long time.

Is It Worth It?

Extended service plans for used cars are worth it because this can provide you the peace of mind knowing you can be protected against expensive car repairs. With second hand cars, you don’t really know what you’re getting. It might exhibit engine troubles in a year or so. But by buying an extended warranty on a used car, you can save hundreds or even thousands of pounds as you won’t have to foot the bill.

What to Consider when Choosing Excess Warranty Insurance Provider

In choosing the best extended warranty for used cars, you will have to consider various things such as the parts covered and excluded in the coverage. While most warranties will cover major car parts like engine and breaks, not all will consider disposable items like cam belts. You must decide what you want to be protected by the warranty, and ensure that the policy meets your needs.
While most insurers will cover the labor costs, there are limits on the amount they are willing to pay. So you might have to check the hourly rate limits of the warranty company, and whether these limits would be enough to cover the repair work at your preferred repair shop.

You’ll also have to check with the insurer on whether your preferred garage is covered by their warranty insurance. Some providers are more strict than others about where their policy holders can bring their insured cars for repair work. Thus ask first if the garage where you usually bring your car to is covered by the excess warranty policy. If not, you might have to check if there’s an approved auto centre near you.

The excess of the warranty will also come into play. As with any type of insurance policy, you’ll have to pay an excess every time you claim. Excess pertains to the amount you’ll have to spend for every claim you make. The amount you’ll have to cough up every time you make a claim can be a difference maker in your buying decision.  An excess of £250 may not be practical because of the amount you’ll have to shell out. But an excess of £50 is reasonable enough for most motorists.

Where is Best to Buy Excess Warranty Insurance?

The Internet provides the most convenient way of shopping for an excess warranty insurance. You can go directly to the website of the insurer, or visit third party websites to get and compare quotes as well as features.

How to Buy Excess Warranty Insurance

Aside from comparing features and quotes, you should also research for common problems that the second hand car you are getting is notorious for.  This way, you’ll have an idea on which car parts you are more likely to deal with, and ensure that insurance company will pay for the repair of that car part in the event that it breaks down.

Additional benefits may sweeten the deal, so to speak. A car hire, for instance, gives you peace of mind that in the event that your car breaks down, you’ll be able to hire a vehicle with the insurer paying for the rental.

As any best car warranty review will tell you, it makes a lot of sense to buy extended warranty on used car.  You’ll be protected against expensive car repairs in the future the best used car extended warranty companies also offer roadside assistance and car rental in the event that your car breaks down. So if you’re getting a second hand car, it is highly recommended that you shop for the best extended auto warranty for used cars as well.

 

The post Excess Warranty Insurance – Is it for me? appeared first on Cars Website.

source http://www.cars-website.co.uk/excess-warranty-insurance-is-it-for-me/

Excess Insurance- What’s it for?

There will be times when you physically can’t use your own car, for example when you are on a holiday or when your car is in the garage and is being repaired. During those times, you would likely rent a car. Excess Insurance is really important in these circumstances and it will cover you for a whole range of things that could go wrong with the hire car. How will you pay for the damages if something happens to the car you rented—like encountering mechanical trouble, or getting into a collision? This is when excess insurance cover comes in handy.

What is Excess Insurance?

Excess insurance is an optional insurance policy that can protect you against excess charges you may incur in the event that a car you rented gets damaged or worse, stolen. It is also known by other names like car hire excess insurance and excess waiver insurance.

It works like this—  you hire a car with the standard car hire insurance or collision damage/loss damage waiver.  In case of a damage to the car, you’ll have to pay an excess before the car rental firm covers the rest of the damages. This is the amount that you can reimburse if you have car hire excess insurance cover. Suffice to say, without excess cover, you could shell out a lot of money if there’s a substantial damage to the vehicle or it gets stolen.

The amount of the excess would vary from one rental provider to another. But just to give you an idea, its range would be between £500 and £2,000 which is more than the cost of renting the vehicle. The amount can even be higher if you rented a high value car.

What Does it Specifically Cover?

Car hire excess insurance usually covers the following:

• Charges applied in case vehicle is damaged or stolen
• Damage to any part of the vehicle like roof, undercarriage, headlights, windows and tyres
• Lost or stolen keys
• Towing costs
• Misfuelling

What Does It Not Cover?

• Luggage, cash, and other valuables stolen along with the car
• Mechanical breakdown due to vehicle wear and tear

When Do You Need an Excess Insurance?

While some people would think that an excess insurance is only needed when they are on a holiday, the truth is that there are circumstances when you need to hrie a vehicle. For example, your car might need an extended repair and you have to rent a car to ferry your children. You can’t be sure that nothing will happen to the car you’re renting. This is when you would want to have excess car hire insurance cover.

Why Do I Need Excess Insurance?

You may feel that the standard insurance like collision damange cover that comes with car rental would fully protect you against out-of-pocket expenses. The truth is, said type of cover merely reduces the amount that you would need to pay in case the car you rented gets damaged or stolen.

Is It Worth It?

For most motorists, getting excess insurance cover for hire cars from an insurance firm is very practical. Drivers who have experienced renting a car before would tell you that car rental firms will offer very cheap rates for their vehicles. But they’ll offer other services  like collision damage cover which is usually £15 per day for this cover in order to generate profits.

A more practical option would be to buy excess cover car insurance from specialists. The rates are cheaper, with some going as low as £49 annually.

And for most tourists, getting an excess insurance is very much a necessity. It gives them peace of mind, knowing that they will get covered in case anything unfortunate happens to the car they rented. With this type of insurance, they don’t have to worry about the state of the roads they’re traversing will cause damage to the tires or suspension of the car they’re renting.

What to Consider When Choosing Excess Insurance Provider?

There are some things you need to look for when selecting an insurer that provides insurance excess cover.

One thing you need to look into is the type of cover. There are policies that give you cover only in the country that you are using the hired car. There are also car hire excess insurance cover Europe, meaning you are covered in the event that you will be bringing the rented vehicle to other countries, like Germany if you’re coming from the UK. And then there are policies that provide worldwide coverage, meaning wherever you are in the world you’ll get protection in the event that the car you rented gets damaged or stolen.

Aside from the fees, you’d want to look into whether it offers right to cancellation. The period may vary, although most firms offering hire car excess cover offer 14 days for you to cancel the policy.  This, however, is only offered in polices covering a period of 30 days or more.

Of course, you should know the maximum cover, the number of claims you can make, and how you can make a claim.

You’d also want an excess insurance policy that would let you add more drivers. This is  helpful if you have other members of the family who travel independently at different times. So if your spouse or father hires a car, then you could have them protected if you have a car excess insurance cover.

Where is Best to Buy Excess Insurance?

You can always go online and visit websites of specialist firms that provide car hire excess insurance. Or you can go to websites that offer car hire excess insurance cover comparison, so you can compare features and fees.

How to Buy Excess Insurance?

After comparing features and fees, you should also read the fine print of the policy. Understand what is covered and what’s not covered. To save on costs, you should buy car excess insurance from specialist insurers. It’ usually cheaper than those offered by car rental firms themselves.

Simply put it, buying a car rental excess insurance now can save you a lot of headaches in the future.

source http://www.cars-website.co.uk/excess-insurance-whats-it-for/

Car Key Insurance – Do you Need it?

It’s very likely you’ve done this before—you put your car key down and forget where you place it. You look for it in every corner of your house, until you eventually find it under your car seat.  But what if you never find it? This is where a lost car key insurance comes in very handy.

Losing the car keys isn’t exactly an uncommon scenario. According to a car insurance research poll conducted by the Lloyds Banking Group in 2013, nearly 1 out of 4 car owners have lost their car keys at some point. And 5 percent of car owners have their car keys stolen.

Given these numbers, it can be argued that it is only reasonable for insurers to offer car key insurance cover.  With this coverage, you can get immediate help in case you can’t find your car keys. The insurance will cover the costs of replacing the keys, and even give you a ride in case you need to go home and you can’t use your car because you lost your keys.

What is Lost Key Insurance?

As the name suggests, this is a type of insurance that covers you in the event that you lose your car keys. It may also cover stolen or broken car keys. This means the insurer will pay for the replacement of the keys including the locksmith’s fees. The maximum cover limit may vary depending on the insurer—some offer £1,500 while others offer £2,000.

What Does it Cover?

Car key cover insurance can also include other benefits like vehicle hire for a specific period if your car is unusable because you lost or have your car keys stolen. The coverage may also include transport to your home, in case you are stranded as a result of you not having your car keys. You will also get access to an emergency hotline 24 hours, 365 days a year just in case you can’t find your car keys.

Other insurers can also pay for the cost to replace the door keys as well as re-keying the vehicle to prevent theft. This is important for the peace of mind of car owners, since they won’t have to fear

What Does It Not Cover?

Car insurers have different policies as to which items are not covered in a lost car key insurance. But these are some of the things you can expect to be not covered in this kind of insurance:

• Car key is lost because of events like war, invasion, foreign enemy hostilities, terrorism, rebellion, coup, revolution, or similar actions of any lawful government of public authority
• Car key is lost due to radiation, radioactive contamination, or exposure to corrosive or toxic substances/materials
• Insured key not reported within 45 days after it was lost
• Replacement keys of a higher standard or specification that those insured

When Do I Need Key Insurance?

You’ll thank the High Heavens for getting car key insurance during that unfortunate time that you can’t find your car keys, and you can’t get into your car.

You may have emergency road service coverage, but this type of policy may not help you at all in case you lose your car keys.

For example, you may have emergency road service coverage, your insurance company may pay for the transportation costs of bringing you back home. Or the insurance may cover for the hauling of your vehicle back to your residence. But it certainly won’t pay for the replacement of your car keys.

And it’s not as if car key replacement is cheap. For example, replacing the key of the best-selling car in the UK, Ford Fiesta, will set you back around £262. This is not counting the locksmith fees.

You may have a comprehensive insurance policy, but it won’t make sense to file a claim under that coverage for a lost key.

Is it Worth It?

Generally speaking, a car key insurance is very much worth it considering inconvenience and out-of-pocket expenses that you’ll have to deal with because of a lost car key.

As mentioned earlier, replacing a car key isn’t that cheap. You’ll have to spend hundreds of pounds for it. You can protect yourself from unwanted expenses if you have a key insurance cover. For as low as  £20 a year, you can get yourself covered in the event that you lose your car key.

Aside from the savings you’ll be able to generate, a car key insurance will also spare you from the inconvenience of being stranded somewhere because you can’t get into your car. When you have a car key cover, you will have someone to help you get home even if you are locked out of your car. Even better, you’ll get to use another car for free while your car is being re-keyed to prevent theft.

What to Consider When Choosing a Key Insurance Provider?

Some of the things to consider when shopping for a car key cover provider are:

• Features of the policy
• Exclusions/limitations
• Duration of the cover
• Right to cancel
• Cost

Where is Best to Buy Key Insurance?

You can always go online to request for quotes from insurance companies offering stolen car keys insurance.  You may also pick up the phone and call a car insurance firm to ask if they can give you a key covers insurance policy.

How to Buy Key Insurance

You can start by getting quotes from multiple insurers and comparing their rates as well as features. You may also ask your current car insurance company and inquire if it also offers key covers for car keys. There’s a good chance that you may qualify for a discount if you buy car key insurance from your current car insurer.

The bottom line is that car key insurance is highly recommended to car owners. Losing one’s car key isn’t a remote event. You don’t want to be inconvenienced by it; and worry that your car could be eventually stolen. With car key insurance, you’ll have peace of mind knowing you can get help and protection against out-of-pocket expenses in the event that you lose your car key.

source http://www.cars-website.co.uk/car-key-insurance-do-you-need-it/

Alloy Wheel Insurance – Is it worth your money?

Insurance, at the base of it, can be a very simple concept to describe. If you have an item that’s too expensive for you to fix when it gets damaged, you can just buy insurance instead. This way, you just pay minimal premiums each month. If the item breaks, then the insurance company pays for the repairs. This is basically the same general idea for alloy wheel insurance.

What is Alloy Wheel Damage Insurance?

The best way to explain this is to cite a hypothetical example. So for example, you have a kind of alloy wheel in your tyre. You then proceed to buy insurance for it, making sure that the policy covers the kind of alloy wheel you have. So you then pay a premium to the insurance company each month for the alloy wheel insurance cover.

Then one day, you’re parking your car and then you accidentally hit the kerb with the alloy wheel while you’re parking and going in reverse. The alloy wheel rim has been damaged, and it’s no longer as nice-looking as it was before.

But then you remember that you have alloy wheel repair insurance. You refer to the policy and you confirm that the damage is indeed covered by the terms of the policy. So you call it in to the insurance company, and they give you further directions. So you take a picture of the damage with your smartphone and then email the pic to the insurance company. They take a look and then say that it does appear to be a valid claim. (For the cynics out there complaining that these insurance people don’t always agree to this, relax; this is hypothetical, remember?)

So according to the policy, you need to pay £15 excess fee first. This fee would be returned to you if the repair doesn’t happen. Then the insurance company contacts their approved alloy wheel repair team and arranges for them to call you for the most convenient time and place for them to come to you to repair the damage.

The repair team then comes in at the appointed place, day, and time. They then assess the damage and then call the insurance company claims team to say that the repair is indeed valid and that they can repair the damage. They do the repair, and you end up with your nice-looking alloy wheel back. What could have been a repair bill of several hundred pounds has been reduced to merely £15.

How Do You Pick Your Insurance Company?

One of the more effective ways of choosing the right insurance company is to ask around among your friends and family to see if any of them also have alloy wheel insurance. If some of them have this kind of policy, find out all the details you can about the insurance company.

You’ll need to ask them a lot of different questions, but the most important questions you need to ask them are about how they act when you make a claim. Are they professional about it, or have they been uncooperative when a claim is made? Other questions can be researched, but these are real first-hand accounts of how an insurance company really behaves when faced with valid claims.

Still, you may not know anyone with this kind of insurance. In which case, you need to find at least 3 reputable insurance companies that offer the kind of alloy wheel insurance cover you need.

• Get an alloy wheel insurance quote from at least 3 different insurance companies. Obviously, the lower the quote, the better it is for you.
• Find out if the company does indeed cover the kind of alloy wheel you have. For example, you may be tempted to get the official BMW alloy wheel insurance offered by the carmaker because it applies to the new BMW you built. But you can’t replace the standard alloy wheel on the car with a diamond cut alloy wheel, because their policy specifically states that they don’t offer diamond cut alloy wheel insurance. They also don’t cover split rim, multi-piece, polished, chrome-finished, and liquid black-finished alloy wheels.
• See if you can live with the other details. The policy usually describes in details the kind of damage the insurance company will or will not cover. They may not cover malicious damage by vandals, or if you make a mistake in cleaning your alloy wheels. There’s usually a limit to the cost of repairs for each claim or for each year. There may be an alloy wheels insurance increase in the premium when you make a valid claim.

Tyre and Alloy Insurance

In some cases, you may want to get alloy and tyre insurance together in one package. The alloy wheel and tyre protection insurance covers cases when you may get a puncture and your alloy wheel gets damaged in the process. With tyre and alloy wheel insurance you can get to use your insurance policy for more situations.

However, not all insurance companies offer tyre alloy wheel insurance together. You may have to purchase alloy wheel and tyre insurance separately. You have to just get Audi alloy wheel insurance instead of a more comprehensive Audi tyre and alloy insurance.

So what benefits do you get when you get alloy wheel insurance?

PROS:

• You won’t have to pay for the full cost of repairs to fix the damage to your alloy wheels.
• Your insurance company picks a qualified repair team for your alloy wheel.
• This really helps if you’re a poor driver who doesn’t know how to park, or if you’re a frequent victim of supermarket trolleys.
• You won’t have to bother your main insurance company and lose your no-claims bonus. You won’t have to risk a higher premium because of a claim either.

CONS:

• It’s an additional cost to keep your car.
• You have to be very careful that you can live with the restrictions in the policy.
• Your main insurance company may still require you to notify them if you have this type of alloy wheel insurance. Do alloy wheels affect insurance? That may be the case for your situation.

Conclusion

So is it worth it? That depends on many factors. If you can live with the premium and the restrictions, if the insurance company makes good with your valid claims, and if your main car insurance assures you that making claims on this won’t affect your main car insurance premiums, then alloy wheel insurance can be a very good option for you.

 

source http://www.cars-website.co.uk/alloy-wheel-insurance-is-it-worth-your-money/