Insurance Center Publish

Posts Tagged ‘advert’

Recently the Advertising Standard Agency has received a number of complaints over one of the largest UK insurance companies latest TV advert featuring Iggy Pop.

The main cause for concern was not only why is a bare chested Iggy Pop being used to promote insurance? But more ironically why is he doing it for a company which is reported to not provide car insurance for musicians as they are seen as too much of a risk? No doubt the answer is tied up with money, however there may be other underlying causes which at the moment few are unaware of!

The votes may be out on this one for the time being however, musicians are not the only profession to be refused car insurance. Bouncers, the big guys who stand on guard outside night clubs to ensure the safety of the customers, are also reputed to being classed as a high risk when it comes to getting their vehicles insured.

Other professions which are considered to be in the high risk area by many insurance companies include all types of public entertainers, surely this doesn’t include clowns? Professional footballers and sportsmen/women, the Armed Forces, those in the market trade and licensed trade, along with journalists.

The reasons which are usually given by insurance companies for classing these professions as ‘high risk’ include such factors as they are more likely to drive at night, that they many be driving under time pressure and/or an increased likelihood of driving after having consumed alcohol.

It is not only these professions which may find it difficult to get car insurance. Many insurers impose both lower are upper age limits for their policies, as such they are asking the government for exclusion from the age discrimination laws which came into place in the UK a few years ago.

The public are becoming very aware of the rights and therefore are challenging insurers who impose age restrictions on the motor policies. Again, this is a contentious issues as statistically older drivers are more likely to have an accident, due to slower reflex actions and the ability to make realistic judgements as to the speed of other approaching vehicles. Young drivers, who have historically always had to pay high premiums until the reach either their 21st or 25th birthdays, this depends on which insurance company you obtain quotes from are also being stereotyped in what may appear unfair.

Those with driving convictions may also find it difficult to find insurance without having to pay extremely high premiums. However, as this type of situation is deemed as self inflicted by many, the amount of sympathy by the public wanes dramatically for these drivers, more especially if the driving convictions are either speed or alcohol related.

We all have our own views and opinions for both the driving habits of the young and the old, however those who are subjected to paying higher prices may fare better if they shop around and make use of the online car insurance companies to find the best deals at the most competitive prices.Swinton offer competitive Online Car insurance deals

It is a well known fact that there are now hundreds upon hundreds of insurance companies on the market. You only have to watch the television for about half an hour and you will undoubtedly see an insurance advert at some point! While they might be somewhat of an annoyance, the massive influx of insurance companies is actually a great thing for us as a customer.

This is due to the ongoing price war between all of these countless insurance companies. Each one of them is trying to outdo their competitors in price and as more and more enter the market they are forced to offer cheaper and cheaper prices to stay in business. This means massive savings for us!

The only real issue now is that there just so many insurance companies around that it is a mammoth task trying to get quotes from each and every one, let alone try and compare their quotes with each other when they all offer very slightly different policies. However as with anything this widespread and complicated, someone else is prepared to do all of this legwork for you.

It comes as no real surprise that if thousands of people want to compare all of these prices that someone is going to come along and offer a service which makes these comparisons quickly and with little hassle, all in return for an affiliate commission if you insure through them.

This means that you can check potentially hundreds of insurers just by filling in a single form, rather than having to re-enter the same information again and again for each company.

This allows you to quickly and efficiently find the perfect insurance deal for your specific circumstances, saving you a large amount of time and effort that you would rather spend doing something more interesting than trying to wade through home insurance websites!

But is this a good idea for us to use these comparison companies, or is it just increasing out costs due to having to pay these ‘middle men’?

Somewhat surprisingly, it is often not. In fact it is often cheaper! While this sounds odd, it is because the comparison companies get paid from some of the money you are paying for your insurance, not any additional money on top.

This means that if you imagine your insurance is 100 pounds a year, and you find the deal via a comparison website. Rather than paying 100 pounds straight to the insurance company like normal, a small amount of money goes to the comparison website for example 15 pounds.

You aren’t paying any more than you would if you found the price on your own, but the comparison website is still making money. The insurance company can afford to only receive 85 pounds because of the amount of extra customers the comparison website provides them.

All in all using one of these home insurance comparison websites is a great way to compare house insurance from a vast quantity of insurers in a very short amount of time. All while finding the cheapest cover available, which you might not have found if you gave up after getting bored comparing 10 companies yourself!When carrying out Home Insurance Comparison visit Swinton who are offering extremely competitive home insurance deals