| Can I insure a modified or classic car; who will | | | | reclaim the excess through the legal cover, which |
| offer insurance cover? | | | | can be taken out with your car insurance policy. |
| Yes, you can insure a modified car but because | | | | Otherwise you lose the excess. Voluntary excess |
| your car is a specialist car, not all auto insurance | | | | is the amount you agree to pay to the company. |
| companies might be willing to provide coverage | | | | It offers premium discounts. Compulsory excess |
| for it since it requires high price replacement parts | | | | is generally imposed to young drivers. Because |
| and also skilled labor if the car is involved in an | | | | their risk factors are high and the companies don't |
| accident. Thus, you have to take a special car | | | | want to insure them. So, in order to insure, they |
| insurance that is designed especially for modified | | | | have to surrender with this payment. |
| and classic cars. | | | | What is legal cover? |
| How can I cut down my car insurance premium? | | | | It provides expertise and assistance required to |
| If you wish to cut down on your car insurance | | | | recover uninsured losses such as medical costs, |
| premium you must take care of a few things. | | | | loss of earnings and excess payments where the |
| Park your car overnight in the garage rather than | | | | fault was not yours. It is available as an optional |
| leaving it on the drive. Fit insurance approved | | | | with most car insurance policies. |
| anti-theft devices; consider Third Party Fire and | | | | Can an insurance company cancel my auto policy? |
| Theft for older cars. Find out discounts offered | | | | Yes, you auto insurance policy may stand |
| by the insurance provider when requesting quotes. | | | | canceled if you fail to pay the premium or if your |
| Young drivers (under 25), who are often charged | | | | consumer's license has been suspended or |
| extremely high premiums, should have an extra | | | | revoked during the term of an auto policy. Also, if |
| driving course certificate. | | | | there is a fraud or serious misrepresentation |
| What is 'excess'? | | | | when completing the insurance application, if the |
| It is the amount you have to pay when you | | | | you are convicted to a crime, or if changes are |
| make a claim for the loss or damage to your car. | | | | made to the property that increase the risk of |
| It can be voluntary or compulsory. If someone | | | | loss then the company may cancel your insurance |
| else causes the accident you may be able to | | | | policy. |