Car Insurance Tips

I recently had to buy car insurance and sat for a few hours scouring the web for the cheapest. After finding the cheapest I then began to get quotes including family members as named drivers. I found that there were a few factors that influenced the price, such as: a) when you want it to start; b) occupation; c)other cars. This is in addition to usual things like no claims discount.

a) Starting the cover at a later date lowered the cost for me. So try getting a quote a few weeks before you need it to see if it works out cheaper.

b) Find your occupation but try different words. My job is in customer service and sales and the words advisor, representative, officer, and administrator, all apply to the job I do, but each one affected the price of the car insurance. So it’s worth checking under your own job description if there are several different words you could use.

c)When adding family members to my insurance the question was asked as to whether they had their own cars and if they were named drivers on other insurance. The two people I wanted to add on both have their own cars and are also named drivers on each others. However, I was not able to tick yes for both options on the application, the answer required was one or the other. So I tried it with both. Using the named drivers option worked out cheaper.

This may not apply to all car insurance providers but it’s worth you spending some extra time trying different things. I managed to save £400 on the original quote. That’s not bad for a couple of hours work.

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Awful Accident

Coming home today there was an horrendous hold up on the roads. Took almost 20 minutes to get 1/2 mile. Turns out there had been a very bad accident by the roundabout. Both sides of the dual carriageway had been blocked off. Loads of police, several ambulances, a fire truck.

I was with my daughter, on our way to the creche to pick up the grandson. As we were crossing the road we heard a young lad say that two kids had been hit by a car. Both under teens. Paramedics were treating one lying on the floor at the side of the road.

As we crossed the road I had to wonder about the throng of people who were standing around watching. They couldn’t help so why were they there? Did they enjoy seeing a child injured? Did they really hope to see a child die? Sick bastards!

We had to walk up another road to the creche. A road where people had parked. Some of the drivers/passengers were standing around watching.

Getting to the creche we collected my 2 year old grandson. As we were there 2 helicoptors – air ambulances – landed outside. The grandson saw the helicoptors but didn’t know why they were there. We weren’t going to let him see either. Other people weren’t that bothered about their kids. Whole families were coming out of their homes and walking down to the accident to have a good gawp. Some had young children with them. What were they thinking? Lets give our kids nightmares. Lets show them kids lying in a mangled mess in the road so it stays with them for the rest of their lives.

The amount of people standing around getting their kicks from some poor kids accident was totally sickening. Almost as horrific as the accident. Do these people not have any compassion? Do they not care about the children in the accident? Do they not have any thought about the driver and what s/he was going through? Do they not care about the families desparately hoping that the injuries aren’t fatal?

These people obviously have loads of free time on their hands. They should be rounded up and given charity work to do or community service. That way their free time would be spent do something worth while. Not sick.

First Working Day of Annual Leave

Decided to go shopping. Only had a few things to do in town. As usual I forgot half of them! Still, had a nice morning. Treated myself to breakfast in BHS. I was thinking about cinema as well, but it’s freezing out there. Maybe later in the week.

The snow is starting to melt now but there’s a lot of running water on the roads and footpaths. If it doesn’t dry up the ice will be treachorous tomorrow.

Got a taxi to my daughters home yesterday. Our council hadn’t gritted any of the roads. The taxi driver said he’d seen two accidents that morning. This was at 10.30am. Imagine how many there could have been by teatime.

Why do people still think they can race when there’s snow and ice on the roads? Do they think they’re going to get to their destination quicker? Maybe they’re right. The automatic skid would certainly speed up the momentum. Question is – would they still be going in the correct direction?

Absence Due to Bad Weather

I’m so glad I’m not at work this week. Apparently this snow is due to stay for a few days. It makes it awkward going shopping and getting things done outside of the home, but at least I can walk into the nearby towns. Work is a bit too far away to walk.

When we had the bad snow a few years ago, I remember the company closing early the one day. They got worried about people being able to get home. Nice of them.

The following day they informed everyone that we either had to make the hours up or take it as annual leave. Most of us refused. After all they should have advised us of this before sending us home. There were some people who worked the hours. Mad bunch.

The company is not going to slip up like that again! They’ve issued guidelines on attending work in bad weather. Basically we have to get there. If, for some reason, there is no way we can make it, then it has to be taken as leave. These are also the guidlines from ACAS. I checked.

So we have no choice. We either have to get there by car, taxi, bus, or walk (no chance).

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