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Know the most Important Part about your Car Insurance

What types of cover do you will get in Car Insurance?

Comprehensive Third Party Fire & Theft
Liability for death of or injury to third parties
(including passengers).
Liability for damage to property
(limit £20,000,000 any one accident).
Liability of passengers
to other parties.
Legal costs
incurred with our consent. (limit £5,000,000 any one accident for loss or damage to property)
Loss of or damage to the car
as a result of fire or theft.
Accidental damage to the car
(including its accessories).
Replacement of locks following theft of keys
(limit £750 any one claim)
Personal accident benefit
of £5000 for you and / or your spouse for death or certain medical conditions.
Foreign use - up to 30 days cover in any EU and certain other associated countries during the policy year.
Medical expenses
up to £250 for each person in the car.
Replacement of child car seats following their loss or damage or impact damage to the car
Personal effects
up to £250 for any one occurrence.
Accident Recovery Service
Motor Legal Expenses & Legal Helpline. optional optional
Enhanced Courtesy Car Cover optional optional
UK & European Breakdown Cover. (Subject to certain limitations) optional optional
Extended Foreign Use optional optional

Am I insured to drive someone else's car?

No, Third Party Liability whilst you are driving another vehicle is not generally available except when

the vehicle does not belong to you and is not hired to you under a hire purchase agreement
there is no other insurance policy which insures you
the vehicle is not being driven to secure its release following seizure by, or on behalf of, any government or public authority.

Is young drivers under 25 years of age are Insured?

Yes. However, for comprehensive cover, in addition to the standard excess of £100, a further young drivers excess applies. For further details see the Frequently Asked Questions on excess.


What is the maximum age to get insurance?

Normally offer a quote for a new customer up to the age of 75, depending on the insurance history.

What are my cancellation rights?

When you receive your policy documents you will have 14 days in which to cancel the policy if you no longer require the insurance. If you wish to cancel the policy please contact us on 08457 464646 or write to The Co-operative Insurance, General Insurance Customer Support Centre, 2nd Floor, Miller Street, Manchester M60 0AL and return your Certificate of Motor Insurance.

If you cancel the policy within 14 days of receipt of the cancellation notice the premium you have paid will be returned to you less a pro-rata charge for any time on cover.

To be entitled to a pro-rata refund of the premium paid, you must telephone or write to us on or before the 14th day of receipt of the policy booklet and the cancellation effective date requested must be within this period.

If you cancel your policy after this time any refund of premium will be the premium paid less a pro rata charge for the period the policy has been in force and may be subject to a cancellation fee.

Does my policy cover me to drive abroad?

Yes. In addition to providing the minimum compulsory liability insurance required in any country which is a member of the EU, the policy provides the same cover throughout the EU and certain other associated countries as in the UK, for up to 30 days per insurance term.

Extended Foreign Use is available as an optional extra and extends the cover provided in the UK to all member states of the EU and the associated countries for the entire policy year, subject to a limit of 90 days per trip.

Cover for Electronic Equipment

There is no limit on loss of or damage to electronic equipment (e.g. audio or satellite navigation equipment) permanently fitted to the vehicle as standard by the vehicle manufacturer.

There is a limit of £500 on loss of or damage to electronic equipment permanently fitted to the vehicle post-manufacture.

There is a limit of £250 on loss of or damage to personal effects, which includes electronic equipment not permanently fitted to the vehicle, provided the cover is Comprehensive.

What is Personal Effects Cover?

Personal effects cover is available where cover is Comprehensive.

There is a limit of £250 on loss of or damage to personal effects (e.g. coats, bags and CDs) whilst in or on the vehicle. This includes electronic equipment not permanently fitted to the vehicle.

There is no limit on loss of or damage to child car seats, which we will replace following an accident resulting in impact damage to the vehicle even where there is no apparent damage to the child car seat.

What is Enhanced Courtesy Car Cover?

Enhanced Courtesy Car cover is an optional extra which supplements our standard courtesy car cover by providing access to a similar replacement car to your own (subject to certain limitations) for up to 14 days if your car is stolen and not recovered, immobilised as the result of an accident or written off.

Know Courtesy rules more

UK and European Breakdown Cover

UK and European Breakdown Cover is a comprehensive and reliable breakdown service available as an optional extra, which provides peace of mind that you are fully covered for any repair or recovery costs associated with a breakdown.

UK and European Breakdown Cover will offer the following benefits:

Europe-wide rescue and recovery service
Up to 1 hours labour to repair your car at the scene
Recovery of your car to a suitable repairer or to your home
Transport of the driver and up to six passengers home or an intended destination;
Or one night’s bed and breakfast accommodation; or
Replacement hire vehicle for up to 24 hours
Repatriation of the driver, vehicle and up to six passengers to the UK

What is Extended Foreign Use?

Extended Foreign Use is available as an optional extra and extends the cover provided in the UK to all member states of the EU and the associated countries for the entire policy year, subject to a limit of 90 days per trip.

for Full details on this get here

What is a Carbon Offset?

A carbon offset is a way of reducing carbon dioxide in the atmosphere by funding renewable energy or reforestation projects. The projects offset an equivalent amount of emissions to that produced by driving. This is a way of compensating for the contribution from driving to climate change.

What if I want to make a change on my policy?

What if I want to make a change on my policy?

It’s important that all the details in your policy are accurate and that you are happy with the cover provided, so it makes good sense to check that everything is in order now.


Please contact us on 08457 46 46 46 if:
• Any of the information contained in the Policy Details or Certificate of Motor Insurance is incorrect
• You change your name, your address or your vehicle
• You wish to amend the cover provided by your policy (for example, you may want to increase your level of cover from ‘third party fire and theft’ to ‘comprehensive’, or make changes to the driving restrictions, or increase the amount of voluntary excess you pay)
• You wish to change driver details on your vehicle.


Remember that if you change your vehicle you must obtain a new Certificate of Motor Insurance before you use the replacement vehicle.


If you make any further changes to your policy cover other than at renewal, or if you request duplicate documents, we may charge you an administration fee of £12.50. The administration fee will be in addition to any increase in premium that may occur.

Cancelling the policy may incur a separate cancellation fee.

What is No Claim Discount?

For every year of claim-free driving you will earn a discount towards the cost of renewing your motor insurance, up to a maximum of 9 years. This is subject to you providing documentary evidence from your previous insurer.

The No Claim Discount can only be used on one policy at a time so the other policy has to be lapsed or cancelled before you can use it on this one. You cannot share it across two policies.

Scale of No Claim Discount (available to new customers)

Varies from 25 % to 75 % depends on the Claim FREE years

Opel Ampera the Car with Green and Sculpture

Re-Think Mobility
Opel Ampera : A new category of Mobility .With its revolutionary “ Voltec” Propulsion technology the Opel Ampera delivers 60 Km emission-free battery range and more than 500 Km extended range .

Five doors,four seats.370Nm instant Torgue ,160Km/h: a real car for everyday driving .


Find out more about the Opel Ampera and its production launch in 2011

Benefits

Saving & Winning
Extended Range Electric Vehicles ( E-REV) deliver reduced oil consumption ,support energy diversification, and reduce emissions. That said ,the Opel Ampera is well-suited to the needs of most European drivers,the majority of which commute less than 50 Km from home to work and back.

With its Voltec propulsion system the Opel Ampera can Drive 60 Km on electricity alone ,with zero emissions.And recharging is easy : the Ampera can be plugged into any house 230 v outlet

How far Can you Go ?

Clear Answer : 60 Km an battery and more than 500Km extended range with the 1.4 Liter (82Hp) gasoline –fueled engine –generator provides electricity to power the electric drive unit while simultaneously sustaining the charge of the battery .

Watch the animations to see how far you could drive starting from Geneva ,site of Opel
Ampera’s 2009 world Premiere

What’s the Cost

We estimate that an extended range electric car will save about 1,700 liters of gasoline per year based on 60 Km of daily driving ( 22,000 km per year ) .As a baseline comparison : 0.09 Euro per Km using gasoline priced at 1.16 Euro per liter.

In other words ,the cost of an electrically driven kilometer in the Opel Ampera is about a fifth of the cost of a kilometer driven in a conventional gasoline vehicle,at current fuel price .

What is the Output

The electric drive unit delivers 370 Nm,Zero to 100Km/h acceleration in around 9 seconds ,and a Top speed of 160km/h .Driving electrically is great fun: the instantaneous ,nearly silent torque under your right foot feels like flying .

Fo journeys up to 60 Km the Opel Ampera runs on the electricity stored in the 16-k Wh, lithium-ion battery and emits zero CO2. When internal combustion engine is used to supply the drive unit with electricity ,it runs at a fixed speed ,which makes it more efficient than a normal car engine . In range –extended mode the Ampera consumes only 1.61/100 Km and emits less than 40g/km of CO2.

CITROËN C3 Pluriel attracts attention

INTRODUCTION

CITROËN’s C3 Pluriel really does embody the words fun, fresh and functional. It’s five cars in one - a 3-door saloon, a Panoramic Saloon, a Cabriolet, a Spider and a Spider Pick up. And as well as looking great, the CITROËN C3 Pluriel drives brilliantly and is packed with an unrivalled level of equipment, safety features, technology and storage.

The CITROËN C3 Pluriel combines the practicality of a supermini with the excitement of a convertible. It’s a deceptively spacious 4 seater (in fact, it’s one of the roomiest in its class), and the secret of its versatile appearance is in the roof design, which features an electric full-length retractable roof and removable roof arches. It looks stylish too, and draws attention wherever it goes.

Safety is paramount in the CITROËN C3 Pluriel. All models feature anti-lock braking (ABS) with Electronic Brakeforce Distribution and Emergency Braking Assistance. You can find out more about these in the Technology section. Four airbags, 3-point inertia reel seatbelts, a specially stiffened body shell, reinforced windscreen pillars and roof arches, plus strengthened seat backs and head rests all add to the sense of safety and stability. It’s no surprise it has a four-star EuroNCAP rating.

A car as unique and inspiring as the CITROËN C3 Pluriel also has some unique and inspiring accessories - each designed specifically to enhance or personalise your CITROËN C3 Pluriel, or add to its convenience, storage and safety features. For example, there’s a rain cover to protect the CITROËN C3 Pluriel from sudden downpours when it’s parked. Or the roof arch storage stand. Or the contoured mudflaps that reduce the effects of road spray and prevent paintwork damage, and the Tom Tom sat-nav to get you to your destination.

There’s a choice of three engines - and each blends performance and economy in the city, or the open road. There’s the 1.4i petrol and 1.4HDi diesel engines, plus the 1.6i 16V engine with SensoDrive paddleshift five-speed sequential gearbox - for those who prefer instant fingertip gear changing.

The CITROËN C3 Pluriel - open to anything as long as it’s fun.

EXTERIOR



The CITROËN C3 Pluriel attracts attention wherever it goes. And it’s no surprise with its distinctive styling featuring body colour bumpers and skirts, and when it’s guaranteed to look good, roof arches that contrast with the exterior body colour. But the CITROËN C3 Pluriel really turns heads when it’s in one of its five different body configurations - you just need to check the weather and decide which one you prefer today.

Techno style headlamps and rear lights add to the fun, contemporary look and to make your CITROËN C3 Pluriel even more eye-catching, the ‘Elegance Pack’ on selected models takes the style dial even higher, featuring aluminium bumper inserts, rubbing strips and door handles.

There’s a great choice of attractive paint colours and finishes for your CITROËN C3 Pluriel, including pearlescent or metallic paint options. Plus, your exterior choice of colour is reflected in the interior to create a contemporary look and feel.

INTERIOR

Inside, the CITROËN C3 Pluriel is about comfort, style and modern chic. It has variable power-assisted steering, height and tilt adjustable leather steering wheel for the optimum driving position, aluminium effect front vents, electric windows front and rear, electric door mirrors, and a 6-speaker CD player.

Creating space is no problem either. Simply fold the rear seats down and you have an extensive, completely flat floor from the back of the front seats to a downward opening tailgate that makes loading easy.

Whichever colour exterior you choose, there’s a perfectly co-ordinated and upholstered interior, and all models feature body-colour inserts on the front doors and rear panels to further enhance the CITROËN C3 Pluriel’s individuality.

DRIVE

The CITROËN C3 Pluriel is fun to look at and fun to drive. Its long wheel-base, wide tyres and reinforced body shell ensures it handles responsively whatever the road conditions. The digital display provides all the driver information you need clearly, while unnecessary glare can be minimised when driving at night by selecting the ‘black panel’ instrument lighting. The elevated front seats and windscreen provide excellent visibility of the road ahead. And a programmable, audible ‘over speed’ warning helps you keep your speed in check.

And with its range of active and passive safety features, such as hazard lights that automatically activate when you brake sharply, front and lateral airbags, ABS, Emergency Braking Assistance (EBA) you can feel safe and secure however demanding the roads are.


PERFORMANCE

On the open road or in the inner city, the CITROËN C3 Pluriel’s range of engines balance performance with fuel economy. Choose one of two petrol engines or the popular diesel option. The CITROËN C3 Pluriel 1.4i offers an attractive combination of performance and economy.

Raise the bar with the dynamic 1.6i 16v SensoDrive engine and experience the power of 110hp and the fingertip paddle-shift gear changes from a five-speed sequential gearbox. And if you want to keep running costs as low as possible, the CITROËN C3 Pluriel 1.4HDi diesel offers great driving pleasure and an impressive 60.1 mpg on the combined cycle.

Free Auto Insurance Quotes Online

More and more people are discovering the benefits of shopping online. Here's how to get free auto insurance quotes online and get cheap rates quickly and easily.

Where can I get free auto insurance quotes online?

There are a ton of websites that will give you free auto insurance quotes online. The bigger sites are operated by the larger companies and only give you their quotes. But because rates can vary by $1,000 or more from one company to the next, you need to go to a site that will give you quotes from a number of auto insurance companies.

Not only can you get multiple rate quotes from these sites, the better sites also have an articles section where you can get auto insurance tips, and a chat section where you can talk with an insurance expert online and get answers to your questions (see link below).

What auto insurance discounts can I get?

When you fill out the online questionnaire for an insurance comparison site you'll be asked what discounts you want. Here's a list of the discounts that will save you the most money:

1. Increase your deductible - Depending on how high you raise it this can save you 30% to 50% on your auto insurance premium.

2. Combine your insurance - Placing your auto and homeowners insurance with the same company will save you up to 15% on your premium.

3. Install security devices - Outfitting your car with a burglar alarm or other theft-prevention device can get you a good-sized discount.

4. Eliminate unneeded coverage - You may want to eliminate your comprehensive and collision coverage if your car is more than five years old, or if the cost of your annual premium is the same as the value of your car.

Bottom Line

It only takes a few minutes to get a free auto insurance quote online and you could save $500 to $1,000 every year you own your car. So why not head over to an insurance comparison site right now and find out how much you can save.

See the Best A-Class Mercedes Benz through your Eyes

Here you can Watch the Nice Video about MERCEDES BENZ A-CLASS . This is in Germa Language . I am extremely sorry . Please try to bear only this problem.

Win a new A-Class from Mercedes-Benz

Win a new A-Class - request a quote and it could be yours
For a limited time only

Request a motor insurance quote from Mercedes-Benz Insurance and you could find yourself behind the wheel of a new A 150 Classic SE. For a limited time only, we’ll automatically enter you into our prize draw – and with a car given away each month, you could soon be driving away in style.

Request a quote for a second car, even if it’s not a Mercedes-Benz, and you’re entered to win twice. Refined and assured, the A-Class offers a relaxed driving environment. And it could be yours.

For an instant quote simply click on the link below or call 0845 600 2180. Line open Monday to Friday 8:30am - 6:00pm, Saturday 9:00am - 2:00pm.

Insurance Prize Draw

1) Closing date for receipt of entry is 30th January 2009, 27th February 2009 and 31st March 2009.

2) This prize draw is open to you if you are over 18 years old, excluding employees or agents of Daimler Insurance Services UK Ltd and those of our subsidiaries or other group companies, all participating organisations and members of their families.

3) We will automatically enter you into the prize draw if you obtain an annual motor insurance policy quote from Mercedes-Benz Insurance before one of the three deadline dates stated above.

4) We may decline to quote in certain circumstances – nulling your entry into the draw.

5) One entry per vehicle model quoted (e.g. no more than one C-Class).

6) We will enter the names of all entrants by the methods stated above into a prize draw which will take place on 2nd February 2009, 2nd March 2009 and 1st April 2009.

7) The first name we draw for each prize draw will win: A Mercedes-Benz A150 3-door Classic SE with metallic paint.

8) The draw will be a random draw, the winner will be notified in writing within 14 days of the relevant draw.

9) Delivery of the vehicle is included and will be within six weeks of the first direct contact with the winner.

10) No cash alternative is available in respect of the prize. You cannot transfer the prize to anyone else if you win.

11) The Prize-winner will agree to any publicity organised by Daimler Insurance Services UK Ltd. The prize is promoted by Daimler Insurance Services UK Ltd, Burystead Court, Caldecotte Lake Drive, Caldecotte, Milton Keynes MK7 8ND. 12) Our instructions for completion of any entry and the advertising text form part of the rules of the draw.

13) Daimler Insurance Services UK Ltd's decision is final in all matters relating to the draw and we will not enter into any correspondence with you about it.

14) The winner's name and county can be obtained by sending an SAE to Mercedes-Benz Motor Insurance A-Class Prize Draw, Burystead Court, Caldecotte Lake Drive, Caldecotte, Milton Keynes MK7 8ND.

15) Your entry implies your acceptance of the rules as being final and legally binding. You are responsible for deciding whether to accept any prize and for taking into account any risk involved.

16) This competition is not valid in Northern Ireland.

Top 7 Reasons To Sell Your Car Online FREE

In this article, Mr Sampson Cooper of the used car sales website UKAutoSearch reviews the problems car sellers face when advertising their cars in traditional print media, and highlights the real advantages that sellers experience when advertising their cars free of charge on the Internet.

So, you want to sell your car?

> Maybe you are buying a new car

> Perhaps you are getting a company car

> Has your family outgrown your present car?

Whatever the reason for your wanting to sell your car, car sellers agree that selling a car can be a very stressful experience. The commonest concerns sellers have are:

1. "Will I get a good price for my car?" (i.e. will a buyer haggle hard and pressurise me into letting the car go for a low price?)

and

2. "How long will it take to find a buyer for my car?" (i.e. if I hold out for the price I want, will I be left without a buyer?)

The traditional option is to take out an advert in the weekly Autotrader magazine. For about £35, you get a 2-week advert which allows you to include one small photo of your car, and about 200 characters of free text.

If you submit your advert before the Monday deadline, it will appear in that week's edition which comes out either on Thursday or Friday morning. There are a number of regional editions, and you can choose which regional edition you want your advert to appear in.

Problems with advertising in Autotrader

Advertising in the print media sounds like a reasonable idea until you experience first-hand the crippling limitations of this proposition. Remember, the concept of advertising cars in print media has been around since the 1970's, and is certainly showing it's age:

1. Because you get only a limited number of words, you have to cram as much information about your car into the smallest number of words.

> This has given rise to a whole specialist lingo, with terms like "r/c/l" (remote central locking) coming into existence for no reason other than to save space in an Autotrader advert!

2. You get only one photo, so you have to try to convey an impression about your car in one image.

> Imagine you were going to buy something worth thousands of pounds - would you be impressed and satisfied with just one photo?

3. Because you know that your advert will run for only 2 weeks, you may be indirectly pressurised into accepting a lower price for your car than what you expected.

> Suppose someone turns up to see your car on the last day of the 2 week period and offers you £500 less than your asking price... would you accept it for a quick sell or would you hold out for the price you think your car deserves, and be prepared to re-advertise for another 2 weeks?

Faced with the uncertainties and stress of traditional print-based car advertising, car sellers in the USA, UK and Europe have been turning to the Internet to find a more relaxed and productive way of selling their cars.

Top 7 reasons to advertise your car online

Advertising your car on the Internet has some unique advantages compared with traditional print advertising.

Our customers have consistently identified the following 7 features of online advertising which they say have made the difference between getting the price they want for their cars, and having to compromise for a lower price:

1. It is usually significantly cheaper to advertise your car on a website.

> Disk space and bandwidth are cheaper than paper, ink and magazine distribution, and tremendous savings are made by not having to print and distribute a magazine. These savings can be passed on directly to the seller.

> Car adverts at UKAutoSearch.com are FREE until sold, compared to the £35+ cost of a 2-week Autotrader advert.

> UKAutoSearch.com is entirely supported by corporate advertising, and does not charge sellers for the service.

2. Online adverts can include a lot more information about your car than adverts in magazines.

> Car adverts at UKAutoSearch.com can have 10,000 characters (2000 words) of free text description, compared to approximately 200 characters in an Autotrader advert.

3. Online sellers can include multiple photos of their cars.

> Every FREE UKAutoSearch.com advert can have 10 photos of your car. For just £12.99, our sister site UKCarSeller.com allows 25 photos in each advert. Photos can be upto 1Mb in size.

4. Sellers can update / modify adverts at any time, even when the adverts are "live".

5. Anyone in the world with an Internet connection can view your advert.

> This means that people further afield who may still be interested in your car will be able to view its specifications online, without your having to spend more money on adverts in magazines serving neighbouring regions. The end result is that more buyers compete for your car.

> Car adverts at UKAutoSearch.com are also advertised on Google and othe r search engines, increasing the number of people who can see your car online.

6. Your car advert will be online and active immediately - the turnaround time between submitting your advert and it being active is typically a lot shorter than in print media.

7. Some websites such as UKAutoSearch.com and UKCarSeller.com will actively advertise your car until it is sold. So you do not have to accept the first offer you get.

Sell your car online FREE, today

To advertise your car for sale today, simply register at UKAutoSearch.com . Remember, it costs nothing at all to advertise online, so you have nothing to lose!

About the author:

Sampson Cooper is Customer Service Manager at UKAutoSearch.com, a used car sales website.

Written by: Sampson Cooper

The best car in the World Today JAGUAR XF

It takes a car of great ability to distinguish
itself against the competition. To win an
award of the magnitude of the What
Car? Car of The Year 2008 (and
What Car?’s Executive Car of the
Year too), is considered a landmark
achievement; following up these two awards with
a further ten suggests that the new Jaguar XF is a
car to be reckoned with.
The new Jaguar XF is the first saloon-based
expression of Jaguar´s new ‘sporting luxury’ design
language. This new approach aims to blend
the refinement, features and space of a luxury
saloon with sports car styling and performance.
The results are nothing short of spectacular,
as recognised by Autocar, the UK’s top car
enthusiast’s magazine: the new XF picked up the
Autocar Design Award 2007.
But the car’s liquid, coupé-like lines needn’t
cast doubt on the car’s practicality, because
the XF magically provides comfortable space for
five adults, plus a big boot and generous interior
stowage. Top Gear Magazine dubbed it their ‘Limo
of the Year’ for its comfort, space and interior style.
And what an interior. Car Magazine’s ‘Interior of
the Year’ Award recognised the luxurious, stylish
qualities of the XF’s cabin. The world’s press
has praised features like the rotating air vents,
sophisticated interior lighting, and JaguarDrive
Selector™ control that rises genie-like from a
beautifully-fashioned centre console.
The static XF experience is rich enough, but move
out onto the road and things get even better.
Thanks to the best torsional stiffness in its class –
mated to a range of four brilliant engines – The
Sun’s Ken Gibson picked the XF as his Car of
the Year, while What Car? considers the XF ‘The
Most Exciting Car of 2007’.
Those engines range from an astonishingly refined
2.7-litre V6 turbodiesel – which earned the What
Diesel? ‘Diesel Car of the Year’ Award for the XF
– to a supercharged 4.2-litre V8. What Car? was
equally impressed: ‘Soothing and quiet, agile
and athletic… XF beats the best that Germany
and Japan can offer.’
The final say must go to What Car?’s Group Editor,
Steve Fowler: `The XF goes straight in there with
the very best cars from Jaguar`s past,’ he said.
‘And, given that the car market today is more
competitive than it`s ever been, it`s fair to say
the XF is the best car Jaguar has ever built.’

Top Cat
The Jaguar XF’s Press Awards
in full... so far
• Fleet World ‘Design of the Year’
(Editor’s Award)
• What Diesel? Diesel Car of the Year
• What Car? Car of the Year
• What Car? Best Executive Car of the Year
• The Sun Ken Gibson’s Car of The Year
• Autocar Design Award 2007
• What Car? ‘Most Exciting Car of 2007’
• Car Magazine ‘Interior of the Year’
• Top Gear ‘Limo of the Year’
• Auto Motor und Sport Best Import
Upper Middle Class (Readers’ award)
• Klaxon Magazine Car of the Year
(Category Winner)
• Caesar Magazine Car of the Year