premiums

Tips to Help Cut Motoring Costs

The costs of running a car can be a hefty annual expense. Petrol costs, insurance premiums, MOT prices and the general wear and tear mean that drivers can despair, but still have no choice but to keep their car running. You may feel powerless to do anything about the amount of money you spend, but actually there are some ways you can help reduce costs:

Amend Your Driving Habits

You may have heard this before: how you drive your car can save you money.  Don’t over-rev your car as this burns fuel. If you accelerate too quickly you could be burning up unnecessary fuel too. Also try to avoid driving at full throttle and then breaking suddenly. This is not only dangerous but it also has detrimental effects on the engine and contributes to excessive fuel consumption.

Regular Motor Maintenance

Do you dread that time of year when the MOT is due again, knowing that you will be stung with a gigantic bill? If you have neglected your car all winter then this will come as no surprise to you. But you can save yourself some pennies by making sure you do the regular maintenance checks such as the oil, water levels, and tyre pressure. All of these things will help keep your driving up to a good standard, making your safety paramount.

Some people even like to buy their own car parts online to save on paying more through extra charges added on by the garage. It is always important to check with your garage beforehand, as they may only want to work with the parts that they supply.

Team Up to Take Costs Down

Carpooling can be very cost effective. Why not send an email round the office and see if anyone in your local area fancies joining a car-sharing scheme? This could cut petrol costs, build new friendships, stake the stress out of driving every day, and don’t forget about the benefits to the environment.

Make Sure You Have the Right Insurance

If you are a young driver you may be worrying about news reports in relation to crashes occurring in the first two years after you take to the road. This could be a contributing reason as to why insurance policies are so high for new, young drivers. It used to be that gender played a part in this, with young men’s premiums being considerably steeper in price, however, legislation was recently introduced which stipulated that there should be no gender discrimination. To get the best deal look for companies like AXA, who offer a range of options for young drivers.

Get More Qualifications

There may be a way to reduce your insurance policy and also gain some more experience on the road by carrying out the Pass Plus training, which is an advanced scheme that covers further practical scenarios such as driving on motorways, at night and in various weather conditions. This can only be carried out following your standard driving test.


Tips to Save Money on Your Van Insurance

Save Money on Your Van InsuranceIf your van forms part of your business then you’ll want to save as much money as and where you can. While you can’t afford not to get your van insured you can look for the best van insurance quote online and save a little money in the process.

Here are our top tips for saving money on your van insurance.

Increase your voluntary excess

When you make a claim on your insurance, the voluntary excess is the amount that you agree to pay. If you up the amount of the excess, you will lower the premiums. However, remember the higher the excess the more you’ll have to pay out in the event of a claim.

Make your van more secure

If your van contains the tools of your livelihood, you’ll need to make it as secure as possible. Looking into additional security extras, such as alarms, immobilisers and trackers will not only make it more secure, it will also lower your insurance premiums.

Show you’re a safe driver

If you have built up a no claims history then you should provide this to your new supplier when looking for a best van insurance quote, as many insurance providers will mirror this no claims on your new policy.

Don’t add any named drivers unnecessarily

Your premiums will increase the more named drivers are on the policy. Sometimes, however, this is simply a natural requirement of using your van for your business. However, you also need to be careful who you name on the policy as adding those under 25 and especially those with points on their licence will make your premiums jump up.

Advertise your business on the side of your van

If you have the name of your business shown clearly on the side of your van it’s less likely that it will be stolen. Furthermore, according to statistics you’re also less likely to be involved in any scrapes or accidents. These two factors combined together will ensure lower premiums on your policy.

Provide details of any trade body membership

Some, not all, insurance providers will offer lower premiums to those van owners who are members of trade bodies. If you are, it’s worthwhile making them aware of this when you open your policy.

Choose an appropriate sized van

In general terms, the smaller the van (in terms of size and power) the lower the insurance premiums. Choose an appropriate size for your business needs, not necessarily the size you want.


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