Admiral, founded in 1993, is a company that specializes in providing low cost car insurance to people living in cities, younger drivers, and those who own high performance cars, as well as a combination of all these. For such drivers, Admiral also offers an online quote that allows you to save about 10% on car insurance.

Admiral Products:

MultiCar Insurance – This product offers a new method of getting cheaper car insurance, by insuring two or more private cars which lets you qualify for discounted car insurance. The main features of the MultiCar Insurance includes –

• Up to 23% discount • You don’t have to wait for your second car to be covered before you get a discount • Each policyholder earns and keeps their own No Claims Bonus • Helps unite renewal dates on your cars, which may allow you to earn your No Claims Bonus • Monthly installments available

Information you need before you apply for the MultiCar Insurance:

• Details of the other cars in you family, including make and model, registration number • Details of the drivers that use the other cars, with information regarding claims and convictions • Renewal months’ for the cars in your house

Breakdown Cover Insurance – This package is exclusive to policy holders, and includes

• Caravan or trailer cover • Alternative transport • Emergency overnight accommodation • Roadside assistance and recovery • Lost or damaged key cover • Message assistance • Home assistance

After you’ve applied for the Breakdown Cover to your policy, you’ll receive the details along with a card that bears Admiral’s freephone breakdown assistance number. All you need to do when you receive the card is to your policy number and registration number on the back of the card, to be used when you call for assistance. You also have to note down the scheme code printed on the card, as well as the make, model and type of your car.

Van Insurance – Admiral has also teamed up with Gladiator to provide insurance for a commercial vehicle. The website links to an online quote engine for Goods vehicles, and in order to get an online quote, you need to enter

• Your personal details and any other drivers, along with driving date of birth, licence and job details • Details of any claims made in the last five years by all drivers • Details of any motoring convictions against all drivers • Details of the vehicle to be insured – make and model, manufacture year, security devices etc.

Once you clicked the Submit button, you be guided to a unique web reference, through which you can recollect details you have entered.

Besides car insurance, admiral also offers other products such as Travel insurance, Motorbike insurance, and Pet insurance.

As summer draws to a close, around 10,000 UK bikers start to think about laying up their motor bikes for the winter months. >From the end of October through until Easter, the thought of motor biking is not so appealing and there is little point in taxing and insuring the bike. Bikes are winterised and stored away at the back of the garage awaiting the better weather. Sadly, thieves are aware of this and so some 600 bikes are stolen every month.

Obviously if you have totally cancelled your policy you will be unable to claim for this theft. You can, however, reduce the cover to a minimum for fire and theft and this is worth considering.

If you�re more used to insuring cars than motor bikes, you�ll find some of the features of bike insurance very odd. For instance, it�s not possible to accumulate bonuses over time, as with a car. Occasionally you may find an insurer who will give you some discount if you don�t claim for a certain period with the same insurer, but this is not the norm.

There are various policies. Specified Bike Policy, Specified Rider Policy, Comprehensive and Third Party Insurance. With a specified bike policy you are covering the bike and not the rider. This means you could insure a number of riders on the same bike.

A specified rider policy covers the rider, but not the bike. This means the rider is covered on any motor bike up to the size specified on the policy.

Comprehensive and third party insurance are more familiar terms. Comprehensive is the most expensive. Apart from paying for repairs to the bike in the case of accidental damage, it may offer some extras such as breakdown cover. In the event of a claim, you will only pay the excess as stated on the policy. With third party you simply buy the minimum legal insurance. This means you are covered for any property you may damage or people you might injure. You would not be reimbursed for your bike or anything else and an excess would still be payable. Third party is the cheapest form of insurance.

Younger riders will be charged higher premiums for their policies due to their inexperience and the increased risk of motor cycling. There is a frighteningly high accident rate and statistics tell us they are much more likely to be involved in an accident than more mature riders. Damage caused to themselves is often costly and lifelong.

The more hours spent on the road, the higher the risk and riders using their bikes to travel from one location to another as far as their work is involved will be likely to be charged higher premiums. Claims made in recent years for driving-related accidents will have an adverse effect on your premium too.

Other factors that will influence the premium will be the power and make of the bike. There are some very expensive bikes around and obviously this will mean a higher premium will be charged. If you have any penalties for speeding or dangerous driving your premium will rise and if you were to be disqualified for a length of time, insurance would be extremely expensive when your licence was re-instated.

To try and get the cost of premiums down, consider security devices such as immobilisers, alarms and steering locks. It may also be possible to get discounts for any training courses you have completed.

Be completely honest with your insurance company. Failure to disclose something which the company later discovers can invalidate your insurance. Not only would you not receive payment for any claim, but you could be prosecuted for driving without insurance.

An internet broker will be able to offer you plenty of advice when it comes to choosing an insurer. They�ll find a choice of policies to suit your circumstances and their experience will be invaluable. There are internet-only deals and discounts which they�ll be able to offer too.

Keep insured and safe.

Statistics say that 10,000 bikers in the UK cancel their insurance policies over the winter months every year.

Many bike owners will lock away their two wheels but unfortunately, even when locked in a garage, their bikes remain at risk.

Thieves are quite aware that many motorbikes are stored in garages over the winter months and over 600 bikes are stolen every month.

If you have cancelled your policy and your bike is stolen you cannot make a valid claim. However, it should be possible to reduce the cover, save money and still maintain the essential minimum cover against fire and theft over the winter.

An annoying feature of existing motorbike insurance policies is that discount bonuses are not able to be accumulated over time. You may be able to get some form of discount should you remain claim free for a certain period with the same insurer, but this is a rare occurrence.

There are a few types of motorcycle insurance policy, Specified Rider Policy, Specified Bike Policy, Third Party Insurance and Comprehensive Insurance. A specified rider policy will specifically cover the rider and not the bike. The benefit of this policy is that it will allow you to ride any motorcycle up to a specified size.

A specified bike policy is directly the opposite and will only cover the motorbike and not the rider. This would be a suitable policy if you wish to insure a number of riders on the same bike.

Unfortunately for motorbike riders, particularly younger riders, they will have to pay higher premiums for their insurance policies due to the increased risk of their chosen method of transport.

Third Party is the legal minimum type of insurance and the cheapest. The ‘third party’ is any person you might injure or property you might damage. You will not be paid for anything else and you will still have to pay the excess.

Comprehensive Insurance is the most expensive and the one that pays for repairs to your motorcycle if it is damaged in an accident. It also means that if the accident was not your fault you do not need to wait for the other party’s insurance to come through as your insurance will pay anyway. However, you will have to pay the excess but you will get it back when the others party’s insurance reimburse your insurance company. These policies often include extras such as breakdown cover included.

Some of the key factors affecting premiums are age. Young motorcyclists have an alarmingly high accident rate and, according to statistics, are far more likely to be involved in an accident than more mature riders. The damage they can cause to themselves is very often costly and long lasting.

Occupation is also a deciding factor of premiums. Workers who spend many hours on the road travelling from one location to another will be subject to much higher premiums the more hours that are spent on the road the more likely accidents occur.

If you have made any claims in recent years for driving related accidents you should expect this to be reflected by a higher than average premium. Security devices such as immobilisers, alarms, steering locks and other security devices are only useful if they are activated. However their presence will result in a significantly lower premium, particularly in inner city areas.

As with any motor insurance, the more powerful the bike, the higher the premium is likely to be. The make of the bike may influence the premium also. Expensive bikes are also likely to attract higher premiums.

As with cars, most motorbikes will depreciate quite rapidly. In the event of a material damage claim, insurance companies will only pay the current market value of your bike. In these circumstances it may not be worth paying the additional premium for comprehensive cover over third party, fire and theft only.

If you get points on your license for speeding, dangerous driving etc your premium will go up, if you are disqualified for a period you will find insurance is very expensive when you get your license back.

You can sometimes get discounts because of the training you have done, passing an advanced test will usually get you a discount.

All of the above affect your premium, but it will also vary when the insurance companies are trying to balance their risks and you will usually find big differences in prices. Do your research though and don’t just go for the cheapest as sometimes, insurance company’s try to reduce premiums by reducing the cover.

Remember it is illegal to ride without insurance and always remain honest with insurance companies. If they were to discover that you have not told them something that they should have known, you may find that your insurance is invalid. Aside from the fact that they would not pay a claim, this could also leave you to prosecution for driving without insurance.