How is safe driving measured for Pay As You Drive Car Insurance?

Mar 27

We have discussed the nature of Pay As You Drive car insurance and how it can allow vehicle owners to find fair and affordable insurance. But how do we measure this “As You Drive” element in times when there is so much insurance fraud?

The narrow or limited definition of Pay As You Drive is easy to understand and as easy to measure! This focuses merely on HOW MUCH or HOW FAR you drive the vehicle. Measurement through odometer audits involves the collection of odometer data by a certified business. These odometer audits would usually be performed when a vehicle’s insurance is renewed, in most cases once a year.

Can we measure how the person drives instead of merely how far he drives?

This question can best be answered by the experts in the field of fleet management technology. Fleet

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What is car insurance “fronting”?

Mar 27

Some car insurance clients neglect to make full disclosure to their insurance providers, whilst others take this even further through “fronting”. Not everyone understands what fronting is – A UK survey has revealed that many vehicle owners are confused about fronting, with 57 per cent unaware that it is illegal – 26 per cent think that it is, while 31 per cent say they do not know one way or the other.

We would like to discuss “fronting” in a bit more detail, explain what it is and why it is such a dangerous and illegal practise.

What is “fronting”?

Vehicle owners regard fronting as a method to get a better deal on their car insurance. Parents with ch

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Driving experience crucial to finding cheaper car insurance

Mar 27

We have discusses in quite some detail the nature of Pay as You Drive Car Insurance – and how “Driving” can be measured and monitored. We would also like to focus on the “You” part of this description. Who are YOU and which of YOUR personal characteristics would be most important?

We have made reference to AGE of the driver – but would like to argue that this requires closer investigation and a more detailed description.

Age less important than driving experience!

We need to recognize that age has always been regarded as one of the important factors used in the formula to calculate car insurance problems. This is done so across the globe. We have made reference to the fact that Young drivers are perceived to be a higher accident risk and are faced with much higher car insurance premiums. We have als

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Recognise the need for specialised sports car insurance

Mar 27

Your car insurance premium is calculated with reference to a wide variety of variables. One of these is the object to be insured – the car that you drive! In this section we would like to reflect on car insurance for those who are fortunate to drive vehicles betters described as sports cars. We would like to focus on these vehicles, why they are regarded as expensive to ensure and why it is needed to consider a specialized, tailor made car insurance product!

Which cars are regarded as sports cars?

There is no specific definition of which car would be regarded as a sports car. Sometimes rare or collectable cars are also perceived as sports cars. There is no minimum speed that the vehicle must be able to achieve or engine size for the vehicle. T

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Pay As You Drive Car Insurance could protect the environment

Mar 27

Across the globe many environmental protection agencies and NGO’s have recognized the threat of global warming and the need to protect the environment. Nature conservationists and scientist are often fighting side –by side in developing strategies to protect our environment.

Few of those protecting our environment would be aware of another rather unlikely source of environmental protection – car insurance, and more specifically Pay As You Drive Car Insurance!!

We have discussed on the Car Insurance Blog the nature of Pay As You Drive Car Insurance and also how to measure Pay As You Drive Car Insurance. But w

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How to find affordable sports car insurance

Mar 27

We have discussed in some detail the nature of sports car insurance and why this is a niche market. It is also important to assist our sports car insurance in their quest for affordable car insurance. We have specifically chosen the wording “affordable” as sports car insurance should never be regarded as cheap – but rather less expensive or more affordable than the norm to be expected!

The premiums for car insurance are in the simplest of terms to be calculated with reference to the costs of replacing or repairing vehicle loss or damage! As sports cars are always expensive – we would expect expensive premiums. All sho

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Avoid car insurance claims from road works crashes

Mar 27

Many visitors to this Blog have raised questions pertaining to vehicle damage incurred at construction areas and road works. This risk to vehicle damage is not confined to South Africa and extensive research has also been done in Europe to identify and address these concerns.

We would like to share some information added to the Arrive Alive website on the topic of Road Works and Road Safety:

Who are involved in road works crashes?

  • In by far the most road works crashes only road users are involved. Crashes involving road workers form only a small part of all road works crashes (Hagenzieker, 1998).
  • Although the number of casualties among road workers is limited, there are more work hazards for road workers than for industrial workers (Swuste & Heijer, 1999).

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Car Insurance checklist for the Easter weekend

Mar 27

By the end of this week thousands of South Africans will be on the roads. The Easter weekend is traditionally a time to take a breather and to spend some quality time with family and friends! Today also sees the launch of the Easter 2010 Arrive Alive Campaign and an increased focus on Traffic Enforcement on our roads!

Roads will, for the next few days, become heavily congested as millions of road users will share these roads. This will be a time to be extra vigilant and alert and prepare ourselves and our vehicles for the challenges presented by other road users and road conditions!

We would like to share a few car insurance suggestions with our readers.

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