Wednesday 21 April 2010

Quotezone Car Insurance Review

The Car Insurance Television independent car insurance review panel look at

CAR INSURANCE COMPANY: Quotezone
Website: http://www.quotezone.co.uk

Quotezone Car Insurance Review

About the Website - Quotezone are an independent company not associated to an insurance broker or insurance company. They provide a quote comparison system similar to the major aggregators.

Our Review Methodology
We asked a large team of people to visit the Quotezone website and report back to us with a questionaire about how easy the car insurance website was to use and whether the website offered all the car insurance services and covers they required as potential customers.

Our Car Insurance review team consisted of a wide cross section of the UK population, various car makes and types, occupations, driving histories and ages; the only common factor was that none of the team had bought car insurance online before we started the review process.

The object of the car insurance review was to assess the ease of use of the Quotezone site and availability of online information to aid purchasing cover. We specifically asked the team to look at the range of cover options, functionality and services offered by the site; and not just to compare car insurance quotes prices and premiums.

The Review

Q. Is the car insurance company currently offering any special discounts or offers?
A. None.

Q. Is telephone help readily available from the webpage?
A. Only a email address.

Q. Is there a claims section readily accessible?
A. No, Quotezone deals solely with quotes.

Q. Was it easy to find the quote page?
A. Very.

Q. Was there an option to recall a previous quote?
A. Yes.

Q. Are there any restrictions to getting a quote?
A. Yes but only a minimum age.

Q. What are the minimum and maximum ages?
A. The minimum age was 17 and no maximum was specified.

Q. Are Kit Cars, Q plates and modified vehicles covered?
A. Yes, they ask for details of mods and the cars origin so as to obtain a fair quote.

Q. Do they cover Northern Ireland (NI)?
A. Yes and the quotes for the region were very competitive.

Q. How many pages are there before you get a quote?
A. There was only one page but you were given questions individually in order to collect data and many respondents felt there were more questions than necessary.

Q. Does the application find your address easily from the postcode?
A. Yes.

Q. What is the maximum number of NCD years allowed?
A. There was no maximum.

Q. Does the car details come automatically from the DVLA when the reg no is entered?
A. Yes although the reg wasn’t necessary to proceed.

Q. What are the maximum and minimum Voluntary Excess Amounts?
A. 0-500 pounds.

Q. How many accidents are you allowed?
A. You just had to give details of all accidents.

The Car Insurance Cover


Q. Did you understand the levels of cover you were getting?
A. There were no explanations when you choose your cover level.

Q. What additional covers were offered eg Breakdown cover, glass cover etc?
A. Each company offered different additions.

Q. Were these covers included or do you have to pay extra?
A. These were inclusive.

Q. Could you remove specific covers to make the quoted premium cheaper?
A. No.

Q. Can you save the quote to return to this site later?
A. Yes you had to set up an account in the contact section of the questions.

Q. Are you offered the policy documents and keyfacts documents to read before you purchase?
A. Not until you are directed to the site of the policy you choose, but yes before purchase.

Q. What payment methods are available?
A. You had links next to the quotes which gave details of finalizing your quote with the selected insurer.

Quotezone Car Insurance

Q. Are you still at the same site or have you been passed to the insurance company site to complete the purchasing?
A. You were directed to specific sites to finalize the process.

Overall

Q. Was it easy to understand what the questions wanted? – Were there additional help boxes?
A. There were useful advice bubbles on some questions.

Q. Were all the questions necessary?
A. It was widely felt that there were too many contact questions and you had to give answers to proceed.

Q. Could you change things like voluntary excess to get a requote
A. No you could not requote without going back through the questions.

Q. How long did it take to get a quote?
A. On Average about 10 mins.

Q. How many quotes were returned?
A. On Average - 77 but several brokers offered multiple quotes

Q. Were the quotes competitive?
A. You are offered a range of quotes, some of which were very competitive!

Q. Do the quotes offered have different levels of cover?
They were all comprehensive but had different extras dependent upon the company quoting.

Q. How did you find the navigation? Was it easy to move around?
A. The site was very clear and the navigation straightforward but slightly misleading as to the process of finalising the quote.

Q. What did you like or dislike about this site and Why?
A. The most general complaint from nearly all our respondents was that "it bragged only one question page but failed to mention it was 4 time larger than a usual page, and you are then sent off to another site".

Another major criticism voiced by many in the survey team, was that it claimed to get quotes from 90 insurers but on average 13 did not return a quote and the other 77 contained many multiple quotes from the same insurer.

Q. Was the website quick or slow?
A. On average - Fairly slow.

Q. Was the site easy to use?
On a scale of 1 to 5, 1 being hard to use and 5 being very easy - how would you rate it?
A. 3.5 - The site seemed straightforward with good quotes returned, but functionally it turned out less then it claimed in certain areas.

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Tuesday 20 April 2010

Adrian Flux Car Insurance Review

AN INDEPENDENT REVIEW OF ADRIAN FLUX CAR INSURANCE

The Adrian Flux Car Insurance Review



CAR INSURANCE COMPANY: ADRIAN FLUX
Website: http://www.adrianflux.co.uk

Type: Adrian Flux is an Independent Insurance Broker offering a complete range of car insurance products including specialist car insurance, classic car insurance and motor insurance for every type of vehicle and driver in the UK.

We asked a large team of people to visit the Adrian Flux website and report back to us about how easy it was to use and whether the website offered all the car insurance services and covers they required as customers.

Our Car Insurance review team consisted of a wide cross section of the UK population, car makes and types , occupations and ages; the only common factor was that none of the team had bought car insurance online before.

The object of the car insurance review was to assess the ease of use, availability of online information, and the range of cover options and services offfered by the website; not just to compare car insurance quotes as available from an aggregator.

The Review

Q. Is the car insurance company currently offering any special discounts or offers?
A. No

Q. Is telephone help readily available from the webpage?
A. Yes there is a contact page with email and building addresses and telephone numbers.

Q. Is there a claims section readily accessible?
A. Yes.

Q. Was it easy to find the quote page?
A. Yes very easy, and you were offered a phone option first so as to use an advisor.

Q. Was there an option to recall a previous quote?
A. Not obvious when you enter the site.

Policy Restrictions?

Q. Are there any restrictions to getting a quote?
A. No restrictions, Flux claim to be able to cover everybody.

Q. What are the minimum and maximum ages?
A. Minimum age is 17 but there is no maximum. Older driver schemes are available.

Q. Do they cover all professions?
A. Yes, they can cover professions that others will not touch such as Publicans, Footballers and Entertainers, who are perceived as high risk.

Q. Are Kit Cars, Q plates and modified vehicles covered?
A. All can be covered although you have to specify your modifications.

Q. Do they cover Northern Ireland (NI)?
A. Yes

Q. Are drivers with convictions covered?
A. Yes, drivers with both motoring and or other convictions can be covered.

Q. How many claims in the last three years are allowed?
A. There is no limit to previous claims and you can even be covered if you have had insurance previously refused.

Quote Data Collection - Get a Quote

The Adrian Flux Car Insurance Review


Q. How many pages are there before you get a quote?
A. One quick simple form.

Q. Does the application find your address easily from the postcode?
A. It does not display your address after your post code

Q. What is the maximum number of NCD years allowed?
A. 9+

Q. Can you protect these?
A. Yes for an additional premium?

Q. Does the car details come automatically from the DVLA when the reg no is entered?
A. The Registration Number is not asked for to provide a quote.

Q. What are the maximum and minimum Voluntary Excess Amounts?
A. No choice was provided.

Q. Was the quote process easy to understand what the questions wanted? – Were there help boxes?
A. No help boxes, but straight forward enough questions to answer

Q. Were all the questions necessary?
A. Yes it appears so.

Q. Could you change things like voluntary excess to get a requote
A. No

Q. How long did it take to get a quote?
A. The question took only a couple of minutes but your quote is emailed to you and that took much longer.

Q. How many quotes were returned?
A. 1

Q. Do the quotes offered have different levels of cover?
A. No, you choose the cover you require on the form questionnaire.

Q. Can you go back and requote?
A. No

Q. Cover – did you understand the levels of cover you were getting?
A. There was no description of cover levels online

Q. What additional covers were offered eg Breakdown cover, glass cover etc?
A. Additional benefits such as legal and breakdown cover are available as an additional option and details can be provided upon confirming a quotation by telephone.

Q. Are you offered the policy documents and keyfacts documents to read before you purchase?
A. No

Q. What payment methods are available?
A. All payment methods are available. Immediate cover is available subject to a payment. Monthly instalments are also an option and details can be provided upon confirming a quotation by telephone. Payments can be made by Mastercard, Visa, Switch or Solo cards.

General Thoughts and responses!

Q. How did you find the navigation? Was it easy to move around?
A. The site was easy to use

Q. Did you like or dislike this site? Why?
A. The site was visually unappealing and slow in emailing your quote. Many users didn't understand that the quote was being personally prepared by a human and were expecting an online response.

Q. Was the Website quick or slow?
A. Quick to collect the information but slow in returning the quote. Some respondents complained they had to wait 25 minutes to receive a quote!

Q. Was the site easy to use?
A. Very Simple.

Q. Were the Quotes competitve?
A. On average the quotes were the most competitive returned for the range of vehicles tested. When provided with previous quotes offered by others inlcuding the major aggregators, Flux managed to come up with better offers on nine out of ten occasions. Many were surprised by the fact that going to a broker can be cheaper than visiting a price comparison site and you receive the benefit of humans at the other end of the phone!


The Adrian Flux Car Insurance Review


Q. On a scale of 1 to 5 , 1 being hard to use and 5 being very easy - how would you rate the Adrian Flux car insurance site?
A. 4 - very simple to use but frustrating if you were waiting for a quote. Many suggested that perhaps the phone option is faster.

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Saturday 3 April 2010

Specialist UK Vintage Car Insurance Website Launches

Vintage Car Insurance Specialist Website Launches in UK

Getting the best quote from specialists for your Vintage Car should now be a whole lot easier thanks to a new website which compares vintage car insurance quotes from all the major suppliers and independent specialist insurance brokers.

Vintage Car Insurance


Vintage Car Insurance Specialist Website Launches in UK
Getting the best quote from specialists for your Vintage Car should now be a whole lot easier thanks to a new website which compares vintage car insurance quotes from all the major suppliers and independent specialist insurance brokers.

FOR IMMEDIATE RELEASE
PR Log Vintage Car News (Press Release) – Apr 03, 2010 – Insurance comparison website specialists, Insuretec Ltd, have announced the launch of a new site that compares Vintage Car Insurance quotes and allows owners to contact UK suppliers direct.
If you own a car built between 1919 and 1930 you can now compare a range of specialist vintage car insurance quotes and schemes, from the UK's premier online vintage car insurandce company. All risks cover for vintage cars is available through the online system or via a dedicated vnitage car insurance call centre staffed by experts.

Getting the best quote from specialists for your Vintage Car should now be a whole lot simpler thanks to a new website http://www.vintagecarinsurance.co.uk
The website compares vintage car insurance quotes from all the major suppliers and independent specialist insurance brokers and allows you to purchase cover instantly online no matter how old your vehicle, Vintage car insurance is able to cover all makes and all models of vintage car.

Dave Barton, Vintage Car Insurance divisional Director at the company said,
"In the past it has not been easy for owners of vintage cars to get the best deal for their cherished vehicles, and in some cases not even the best or adequate cover. This was due in part to the fact that many owners bought their vintage car insurance cover directly through the club or association to which they belonged."

"People were naturally discouraged from shopping around for insurance deals for specialist, rare or expensive motors. Insurance brokers at large, did not have
access to these specialist schemes and were not able to offer their vintage car owning customers the best cover."

"Our online system is simple to use and you can obtain a quote for your vintage car in under a minute. You simply have to enter your vehicles details once and a few facts about how you use the vintage car and our system passes the data to a central electronic exchange to retrieve the very best rates and covers, for every make and model of vintage car on the UK market."

"Large online discounts are available and incorporated in to the quotes returned. There are additional savings to be had if you are a member of a recognised vintage car club or have improved home security. "

“Furhermore we are able to cover every driver in the UK no matter what their previous driving history may be including, Young Drivers,Female Drivers, Drivers with 2 or more previous Accidents / Claims, Drivers with 2 or more driving convictions, Drivers with any criminal conviction, any driver with disability or medical condition, any person who has had insurance refused / cancelled, and Drivers over 75 years old."

"We all so cover Vintage cars in all areas of the united Kingdom including the Channel Islands & Isle of Man."

"All Non standard occupations are also covered under our vintage car insurance scheme i.e. Footballer, Actor, Publican etc "

"We estimate our customers will save in excess of twenty five percent of their current annual vintage car insurance premiums!" He added.

To try out the new insurance comparison system for yourself; visit the vintage car insurance website at http://www.vintagecarinsurance.co.uk

Car Insurance and Vintage Car Insurance

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Wednesday 31 March 2010

Carbon Neutral Car Insurance One day Sale!

The Green Insurance Company are urging consumers not to be an April fool this Thursday by taking advantage of their one day sale.

The intermediary, who offer environmentally friendly insurance products, has launched a one day discount for this Wednesday (31st March) where motorists can benefit from a further reduction of up to 10% on their car insurance policies.

Gaynor Wood, Head of The Green Insurance Company, said: "We're offering motorists a great one day discount on our car insurance policies. With April Fool's Day just around the corner, it's an ideal opportunity to make sure that, with your insurance premium at least, you won’t look foolish."



The Green Insurance Company are one of the UK's leading environmentally conscious insurance companies. In addition to the discounted policy, motorists purchasing a car insurance policy will see 100% of their car's emissions offset.

To meet their carbon offsetting pledge, The Green Insurance Company has planted over 300000 trees in the UK since their inception in 2007 with a further 370500 confirmed to be planted in 2010. To date, the intermediary has offset over 120000 tonnes of CO2.

Car Insurance and Cheap Car Insurance

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Thursday 4 February 2010

Compare The Market Car Insurance Review

REVIEW OF COMPARETHEMARKET.com

CAR INSURANCE COMPANY: Compare The Market
Website: http://www.comparethemarket.com


Type: Insurance aggregator price comparison website owned by Insurance Brokers.

We asked a large team of people to visit the Compare The Market Car Insurance website and report back to us about how easy it was to use and whether the website offered all the car insurance services and covers they required as customers.
Our Car Insurance review team consisted of a cross section of UK demographics, car types , occupations and ages; the only common factor was that none of the team had bought car insurance online before.
The object of the car insurance review was to rate the ease of use, online information, cover options and services of the website; not just to compare car insurance quotes and covers.

compare the market

About the Website:
comparethemarket.com is one of the top UK price comparison websites comparing over 400 prices for car insurance. It is owned and operated by BISL, formerly Budget Insurance Services Ltd.
Visitors to comparethemarket.com can benefit from comparisons between top providers against various products including car, home and van insurance to receive quotes instantly!
Compare the Market claim that 99% of visitors to the site could save money on their car insurance!*
The website has enjoyed massive UK interest thanks to the viral TV ad campaign featuring Alexsandr the Meerkat and the social media website ComparetheMeerkat.com.

*Based on online independent research by Consumer Intelligence during 01 November 2009 to 30 November 2009.




The Review

Q. Is the car insurance company offering any special discounts or offers?
A. As a comparison site it has different companies offering different offers and discounts.

Q. Is telephone help readily available from the webpage?
A. No, but there is a choice of websites offering phone help and services.

Q. Is there a claims section readily accessible?
A. No, claims are dealt with by the company issuing the policy

Q. Was it easy to find the quote page?
A. Yes, very easy.

Q. Was there an option to recall a previous quote?
A. Yes, through an account you can set up.

Policy Restrictions?

Q. Are there any restrictions to getting a quote?
A. Some

Q. What are the minimum and maximum ages?
A. There are none

Q. Do they cover all professions?
A. Yes.

Q. Are Kit Cars, Q plates and modified vehicles covered?
A. They do not cover q plates.

Q. Do they cover Northern Ireland (NI)?
A. Yes, they cover the whole of the UK but have less offerings for NI.

Q. Are drivers with convictions covered?
A. Yes, but they require details of all convictions in the last 5 years.

Q. How many claims in the last three years are allowed?
A. There was no limit

Getting a Quote

Q. How many pages are there before you get a quote?
A. Three.

Q. Does the application find your address easily from the postcode?
A. Yes

Q. What is the maximum number of NCD years allowed?
A. Nine +

Q. Can you protect your No Claims Bonus?
A. Yes, Individual offers from different companies have different extras attached, most charge an additional premium.

Q. Does the car details come automatically from the DVLA when the registration number is entered?
A. Yes, or you can enter the car details manually if the registration isn’t known.

Q. What are the maximum and minimum Voluntary Excess Amounts?
A. You could not alter the excess without choosing a quote from a particular company.

Q. How many accidents are you allowed?
A. There was no limit but you had to give all details of any previous claims.

General Observations

Q. Was it easy to understand what the questions wanted? Were there any help boxes?
A. Yes, very easy with help boxes on most questions.

Q. Were all the questions necessary?
A. Yes, it appeared so.

Q. Could you change things like voluntary excess to get a requote?
A. No.

Q. How long did it take to get a quote?
A. Under 5 minutes.

Q. How many quotes were returned?
A. On average 58.

Q. Were the quotes competitive?
A. Yes, quotes offered had a range of over GBP 1500 difference

Q. Do the quotes offered have different levels of cover?
A. Yes, they varied quite a lot between different companies

Q. Can you go back and requote?
A. No

Q. Did you understand the levels of cover you were getting?
A. There were brief descriptions of the levels of cover offered by different companies

Q. What additional covers were offered eg Breakdown cover, glass cover etc?
A. Different companies had different additions at differing costs.

Q. Were these covers included or do you have to pay extra?
A. The additions available were inclusive in the quote.

Q. Could you remove covers to make the quote cheaper?
A. No.

Q. Can you save the quote to return to this site later?
A. Yes, and they emailed your top quotes for you to study in your own time.

Q. Are you offered the policy documents and keyfacts documents to read before you purchase?
A. No, the quote when followed up provide only a reference and a telephone number

Q. Was this easy or discouraged from viewing these documents before purchasing?
A. Only available once you have chosen a company.

Q. What payment methods are available?
A. All

Q. Were you asked for more personal or car details before you could purchase? If yes what?
A. No

Q. How did you find the navigation? Was it easy to move around?
A. It was simple but basic.

Q. Did you like or dislike this site? Why?
A. The site was generally very easy to use.

Q. Did the site live up to any expectations - eg from ads or TV ads
A. There was a lack of information about products though the range was very good.

Q. Was the site quick or slow?
A. Fairly quick.

Q. Was the site easy to use? On a scale of 1 to 5 , 1 being hard to use and 5 being very easy - how would you rate it
A. 4/5

comparethemarket.com

Overall Comparethemarket.com was well received by the majority of our respondants, with good value prices and a clean easy to use website. Further product information would be an improvement.

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Wednesday 3 February 2010

How Where You Live Affects Your Car Insurance Premiums

If you want to save money on your car insurance, then the best thing to do may be...
To Move!

One of the most important rating factors used to calculate your car insurance premiums is your postcode, or risk address of where your vehicle is kept overnight. If you live a a 'bad' postcode area your premium will be hammered!

Endsleigh have just released their annual motor theft index, based on analysis of claims over the last three years from tens of thousands of policyholders.

Endsleigh Car Insurance




The report, ranks towns and cities by comparing the frequency of claims against a National Average rather than the total number of incidents.

Endsleigh Car Insurance Report

Click to enlarge


The report shows that Swindon is the safest place in the country for claims, with another West Country town Cheltenham coming in second. Incidently, Endsleigh just happens to be based in Cheltenham.

Hull fared the worst with 85% more claims than the UK National average.

A spokesman for Endsleigh said: "Recent Government statistics have shown a national reduction in car crime by almost a fifth over the past year, however, some towns and cities are riskier than others.

"Endsleigh's statistics show that eight out of the top 10 riskiest places for motor theft are in the Midlands and North of England, with four cities in Yorkshire making the list.

Only two cities in southern England, London and Reading, are named in the top 10."

The Coppers from Humberside have challenged the findings and produced other statistics to show vehicle crime was falling in Hull.

Det Chief Insp Scott Young said: "Vehicle crime is an area of success for Hull and it is difficult to gauge how Endsleigh Insurance captures its data.

"I am very pleased to say,however, that using official sources, Hull performs exceptionally well in the area of vehicle crime and I would gladly counter any other argument in relation to that.

"Hull is a safe place to live and work and Humberside Police works very hard to ensure that it stays that way."

Whether the Police feel they are doing their job in your area or not, is at the end of the day irrelevant, as the Association of British Insurers (ABI) produce the postcode tables from aggregated claims data, which is used by the major UK car insurance companies for rating.

If you are fortunate enough to live in Swindon, Cheltenham, Solihull, Southampton, Bangor, Norwich, Exeter, Maidstone, Preston or Lincoln we suggest you definitely check out Endsleigh for Cheaper car insurance.

If you are unfortunate enough to live in Hull, Nottingham, Manchester, Doncaster, London or any other place that has a high degree of joy-riders, we suggest you compare car insurance using one of the many excellent comparison websites you will find on Car Insurance Television.

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Tuesday 2 February 2010

Admiral Multi-Car Insurance

Do you own more than one car in your household?

Are you sick of being charged additional costs and fed up with managing multiple car insurance policies?

Then Admiral Car Insurance has the solution.

Get an Admiral Multi Car Insurance quote

Admiral Multicar is the only true Multi Car insurance policy on the market and allows those with multiple cars in their household to save from 10% to in excess of 23% on their combined policy costs.

Admiral Mutli Car Insurance also offers the following benefits:
  • GBP 100,000 legal protection.
  • GBP 5,000 personal injury cover.
  • Free guaranteed courtesy car while yours is repaired at an authorised garage.
  • Up to GBP 1,250 Stereo cover for each car.
  • Control your policy with flexible excess options.
  • Free windscreen repair.
Get an Admiral Multi Car Insurance quote

Compare Car Insurance at Car Insurance Televison and save money on your car insurance!

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