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What You Need To Know When Buying Motor Insurance For First Time

There are many things that you should know when you are buying motor insurance for the first time. The premium you pay depends on several factors like your driving experience, gender, marital status, age, claims experience, make and model, type of coverage, age of vehicle, and many more things.

Type of vehicle

The first thing that you should know about motor insurance is your rate can depend on the type of vehicle that you want to have insured. Assuming all things equal, a Subaru Impreza WRX STI 2.5 will command a higher premium than a Toyota Camry 2.4. Generally, sports car or high performance vehicle will command a much higher rate. Other vehicles that are higher to insure include vehicles that are on the top ten most stolen list. Few years back, there was a high theft frequency of Singapore registered Toyota Harriers in Johor Bahru. Therefore, do not be alarmed if the rates fror such model is relatively higher. If you have not purchased your vehicle yet and you want to be sure to have the lowest insurance payment possible, then you should check this list.

Brand new vehicles are expensive to insure also. This is partly due to the higher repair cost possibly incurred as vehicle less than 3 years old are allowed to go back to dealer workshop for repairs with original parts used.

Type of plan

If you buy the car cash out then you can get the minimum coverage to be sure that your rate is cheaper but the more expensive the car is, the more the insurance rate will be. Also, if you purchase a brand new vehicle with a loan from a bank then the bank will insist that you get full coverage on the vehicle. This will be substantially more expensive for you also.

Age of insured &/or drivers

When you are looking for cheap auto insurance for first time drivers it is also important to compare all rates that you can. This means shop around and gets quotes from different insurance companies and sees who can get you the cheapest rate. Age makes a difference when you are looking for auto insurance also and if the first time driver is a teenager, then you should expect to have a high rate. The rates tend to drop with age after the age of 24 and after a proven track record of good driving.

Driving history

If you have endorsed or revoked driving license, you should expect your insurance rates to go up. E.g. drink driving. If you are in a car accident and you have to make a claim, you can also expect your rates to go up. It doesn't matter if the accident was your fault or not, it is because you made a claim. Some insurance companies will set up a claim reserve in anticipation of a potential Third Party claim against your policy. As such, you should expect a drop in your No Claim Discount on renewal.

Conclusion

If you are looking for cheap car insurance, it is crucial that you understand the terms and conditions imposed accordingly. There could be a higher deductible in exchange of a lower premium. Be sure that you agree with all of the terms.
Weigh your options and seek opinions from friends if needed. Be sure to shop around from different insurance companies to find the best rate and best plan for you.

The Name Is The Game For Car Insurance

Just stumbled across this article, find it quite amusingly interesting. Hope you enjoy reading it.
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It seems that there's more to a name than you might expect.

Car insurance provider insure has compiled a list of the names that are most likely to make a car insurance claim during the course of the year.

Apparently, men called Gabriel aren't so angelic as they top the list at 40 per cent while guys named Kyle, Jay, Muhammad and Aaron should also take extra care on the roads as they too make the 'top five' list of male names most likely to make a claim.

For females, Natasha is often a crasher - 32 per cent of women drivers with that name make a car insurance claim. The likes of Harriet, Juliet, Natalie and Helen are also unlucky behind the wheel.

By contrast, if you're a male driver named Finlay or Archie you'll be relieved to hear that your driving record is comparatively good. Both names top the list of male drivers least likely to make a car insurance claim at just 13 per cent. For women, it's Jasmine and Eleanor who have the safest record on the road with just 13 and 14 per cent of female drivers with those names making claims.

Despite the significant variations, car insurers insist they do not take names into account when determining car insurance premiums.

A spokesman for the car insurance provider insure stated that while statistics do not lie, the reasons why certain names are involved in more accidents than others is more likely to be down to their personalities, age or the car they drive rather than something written in the stars.

So whatever your name may be, you'll still have to shop around to find a cheap car insurance deal. By building up a no-claims discount you could lower your car insurance premiums and give yourself a good name.

Article Source: http://EzineArticles.com/?expert=Alex_Gregory

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What is insurance really?

The Commission on Insurance Terminology of the American Risk and Insurance Association has defined insurance as follows:

"Insurance is the pooling of fortutious losses by transfer of such risks to insurers, who agree to indemnify insured for such losses, to provide other pecuniary benefits on their occurrence, or to render services connected with the risk."

An important to note is insurance company functions as a commercial organisation that seeks to maximise profits by increasing revenue and controlling losses. Thus, an insurance company with a higher than expected loss ratio will probably raise their rates eventually in order to meet their bottom line.

The question is, who will bear the rates revision? The obvious candidates are those who have contributed to the higher loss ratio. But wait, how about the common folks, the majority of it, who have simply paid for the premium without any claims? So, if we go back to the definition and concept of insurance earlier, the answer becomes clearer. Most of the time, depending on the type of insurance and how the insurer runs the business, the rates for them will go up as well. The consolation i can offer is they should experience a softer impact of the rates revision.

End of the day, no individual has to bear the risk of loss himself, which is the aim of insurance.

A personal summary of Inside the Mind of an Underwriter

1. The underwriter is the central figure in determining what you will pay for your insurance.

2. There is a direct correlation between the quality of the information given to your underwriter, and the price you pay for insurance.

3. What seems mundane to you is very important to the underwriter.

4. There is nothing worse than sending up a submission without losses, and then finding out three weeks later that your losses are a lot worse than we were led to believe.

5. Underwriters actually look at customers' websites.

6. Loss control is the eyes and ears of the underwriter.

7. Insurance companies look at the relationship as a partnership and like companies that are willing to work with them.

8. Underwriters need time to effectively underwrite an account.

9. Typically, insureds don't know what makes an underwriter tick.

Inside the Mind of an Underwriter - Demystifying the Underwriting Process

A comprehensive article that let you understand the mind of an underwriter. I have bolded italic those i personally can relate to. Enjoy.

Have you ever wondered who that person is behind the curtain? Contrary to what you may think, it's not the Wizard, but the insurance company underwriter. Believe it or not, there is a real, live person on the other end of your insurance contract. The underwriter is the central figure in determining what you will pay for your insurance. Wouldn't it be nice to know what makes an underwriter happy? Conversely, wouldn't it be nice to know what upsets an underwriter?

There is a direct correlation between the quality of the information given to your underwriter, and the price you pay for insurance. Like the old adage, the less you put in, the less you get. The more you put in, the more you get. I know what a lot of you are thinking; "I'm not the one filling out the application, the broker is." This is of course true; but if you give the broker poor information, the underwriter will get that same poor information.

As brokers, we complete applications with an endless supply of "underwriting questions." If you've ever quoted your insurance, you know exactly what I'm talking about. What seems mundane to you is very important to the underwriter. I'm sure you've asked yourself (and your broker), "why do they want to know that?" Trust me; there are valid reasons for the underwriter's questions. Bottom line, the better the information given, the better the quote.

Are there multiple named insureds? Wouldn't it be wise to list all of the named insureds, and give a description of what they do? If you know you are going out to bid, make sure you have at least four years of currently valued loss runs before you ask someone to quote. There is nothing worse than sending up a submission without losses, and then finding out three weeks later that your losses are a lot worse than we were led to believe. You know the agent is going to ask for a complete drivers list; why not have it ready? Are you assigning markets so competing agents don't go to the same companies? You should.

Have you ever taken a good hard look at your website? Is it completely accurate? Are there maybe some things on the website that aren't completely true? Business owners are proud of their company and their capabilities. Sometimes they have a tendency to boast about things they don't (or haven't) done. For example, a manufacturer might say he is capable of producing products for the aerospace industry, when, in fact, they never have. Are they capable? Sure they are, but they never have.

Underwriters actually look at your websites. In fact, good underwriters go over it with a fine toothed comb. What might be prideful boasting to you (above example), is a red flag to the underwriter. Do you think your underwriter is going to be aggressive, or even quote an account that does work in the aerospace industry? Not in a million years! I know it's tempting to overstate your capabilities, but realize your prospects aren't the only one's looking at your website. Only highlight what you actually do, nothing more, and nothing less. Don't give the underwriter reasons to ask even more questions, especially it they are unwarranted. (Boaz : This is interesting, don't create troubles for yourself)

I would be remiss if I didn't mention the relationship between the underwriter and the loss control representative. Loss control is the eyes and ears of the underwriter. Very rarely does an underwriter get to visit with an insured either during the quoting process, or after they've become a customer. They rely on the findings of the loss control department. If you want to impress the underwriter, you must first impress loss control!

You should do everything you can to make sure the loss control visit goes smoothly. The loss control rep's job is to do a physical inspection and report back to the underwriter with his/her findings. Do you have bad housekeeping? Are the proper safeguards in place? What is your attitude towards safety and the minimization of losses? Are you receptive to their suggestions? Are you confrontational? Believe me, all of these things get back to the underwriter and are reflected in the pricing.

One of the worst things an insured can do is quote his insurance every year. I know the temptation is to save money. If your broker is doing his job, and not taking you for granted, he will work with the existing carrier on a competitive insurance program. If you quote your insurance every year, you are doing yourself a disservice. Insurance carriers like to quote business they think they have a legitimate shot at writing. Say in 2004 you quote your insurance with a few carriers. In 2005 you do the same thing again. In 2006 you decide to go out to bid again. Believe me; the carriers who quoted, and didn't get your account in the two previous years, more than likely won't be quoting in that third year. They will do one of two things: either not quote, or they'll just throw out a number without dedicating any time or energy to your account.

I think everyone can relate to how an underwriter thinks when it comes to a company that quotes every year. I'm sure most of you have "suspects" of your own that always want you to give them a price, with no intention of ever giving you the business. They simply want to keep their current supplier "honest." Do you yourself put much time and effort into these accounts? The answer is probably no, so why should an insurance company be any different? By quoting your insurance every year you get a bad reputation, and no reputable broker will be willing to work with you. I know it's tempting, but don't do it! Of course if your relationship with your current broker has soured, then by all means you should look elsewhere. Insurance companies look at the relationship as a partnership and like companies that are willing to work with them. I'm not saying don't look at your insurance, just don't do it every year.

My last point is the underwriter's time. Underwriters need time to effectively underwrite an account. Ideally, they like 2-3 months lead time. Reason being, if you wait until the last minute, and your insurance comes up during a busy time of the year, they might not have the resources available to provide you with a competitive quote.

Most underwriters are good at what they do, and they should be respected. Typically, insureds don't know what makes an underwriter tick, and hopefully this article has enlightened you as to how they operate behind that "curtain."

http://EzineArticles.com/?expert=Chris_Sheppard

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Who can be an Underwriter?

Are you results focused?

Do you have the ability to trade and negotiate within a fast moving, constantly changing market place.

Do you possess an enquiring mind, the ability to probe, analyse and provide a sound rationale for actions taken.

Wait! I'm not implying that with the above, you can be an underwriter - a good one. The list is not exhaustive . . .

It does help that you possess the minimum hardware to handle the technical aspect but it is of utmost importance that you know how to manage the relationship with agents, brokers and business partners. Without software, the hardware is not able to unleash its full potential. Having the hardware is only the basic requirement!

What is an Underwriter?

"What's that?"

It's funny but for people who are probably not related or in financial or insurance industry, they always give me the strange look. Some will reply, "Undertaker?"

The work of an underwriter is actually quite challenging.

In the insurance industry, an underwriter agrees to pay for things like damages to homes and cars, or health insurance, in exchange for regular premiums paid by the person or firm requesting insurance underwriting. The fees for insurance vary, depending on the individual risks that the person being insured represents. Insurance underwriters are trained to assess these risks and to charge accordingly. For example, an insurance underwriter might request an additional premium for fire insurance for a structure in a region which often experiences fires.

Thus, to underwrite means to agree to accept liability, or responsibility for possible losses by clients. You also set the conditions in the contract by reviewing the client's previous losses and other information.

In short, the role of an underwriter is to ensure the profitability of the principal by writing good risk. It is not a pleasant role, especially in competitive market where there will be seasonal price war among the principals.

The job of an underwriter is very challenging.

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First Blog!

The world of internet has grown tremendously in the last decade. Today, internet is no longer something business can ignore, not to mention individual. One can log onto the net to trade products, connect to people all over the world, find the latest news which is yet air on television and many more.

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I will be putting up stuff on insurance, particulary related to motor and property insurance, and some free stuff on making money online.

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