Guide To Cancelling Your Privilege Insurance

If you are a Privilege insurance customer and you no longer would like to hold you policy with Privilege you can find out below how to cancel your policy.

If you are cancelling before the renewal date of your policy you may be subject to charges for cancellation of your policy. You will be informed of any charges before you cancel your poloicy and they will need to be paid before Privilege can cancel your policy for you.

Cancel Privilege Insurance Via Phone Call

If you would like to cancel your Privilege insurance by calling the Privilege team you can dial 0345 246 8539 . Once on the phone to the team you need to provide your personal and account information to allow the team member to identify your policy. You will then need to inform the team that you would like to cancel your policy, you will be told of any outstanding charges as well as any cancellation charges that will occur. You will be require to make these payments and then your policy will be cancelled.

Cancel Privilege Insurance Online

If you would prefer to cancel your Privilege insurance policy online, you can do so by going to the Privilege website and selecting the ‘Contact Us’ button. Once on this page, you will be able to use the live chat option to enter cancel. You will be informed you need to speak to an advisor and be given a link for a separate live chat service that will allow you to discuss this with an advisor. You can cancel your insurance by talking to an advisor who will provide with all the information necessary.

Cancel Privilege Insurance Via Post

Another way of cancelling your Privilege insurance policy is to write a letter to the head office. You simply need to write a letter including you personal and policy information, a paragraph informing Privilege of you wish to cancel the services and a description of any reasons that have made you make the decision to cancel your policy. You will need to write your contact information and you will receive a reply regarding your cancellation within 2 weeks of Privilege receiving your letter. You can send your cancellation letter to:

Privilege Insurance, The Wharf, Neville Street, Leeds LS1 4AZ

How To Use Your Breakdown Cover With RAC

breakdown cover rac

If you are an RAC breakdown cover customer but you’re unsure how to use the service when you need it, you can read the helpful guide below to find out all you need to know.

How to use your RAC breakdown cover

There’s nothing worse than your car breaking down when you need it the most. If you have taken out RAC breakdown cover as a private service or as an extra with your insurance, you have something to fall back on if your car fails you. To use your RAC breakdown cover you can call the number found on your breakdown manual which should have arrived once you took out the cover or if you don’t know where your manual is or don’t have it with you, you can simply call the RAC breakdown number on 0330 159 1031 .

Once on the phone with the RAC breakdown team you will need to provide some relevant personal, policy and breakdown information such as your name, policy number if you have it and a brief description of your current situation such as where you are, whether the situation appears to be dangerous (if there is fire involved in the breakdown it is important to call the fire services before you call RAC regarding breakdown cover or insurance) and what the problem appears to be regarding (such as a flat tyre or flat battery).

After you have called the RAC, it is important for you to wait safely for the RAC breakdown service van to arrive with you. This includes exiting your vehicle from the passenger side, informing other people who’re in the vehicle to also exit on the passenger side, stand as far aware from your vehicle as possible and keeping your pets inside the vehicle with the windows rolled down and drinking water inside (if you feel it would be safer for your pet to be kept outside of the vehicle, using a lead bring the pet to stand with the other passengers).

If your vehicle has stopped in the middle of a road or motorway and you cannot move the vehicle or get out of the vehicle safely it is important to keep your seatbelt on, put your hazard lights on and call the police immediately and make them aware of your location. Once off the phone with the police you can then call RAC using the number above.

How To Cancel Your One call Insurance

If you are a One Call insurance customer and you are no longer happy with your policy or you would like to cancel your renewal you can find out below how to cancel your One Call insurance policy.

You may be subject to cancellation charges if you’re cancelling your policy before your policy end date. You will be informed of these extra charges before you cancel your policy and you will not be able to cancel the policy without paying the charges (until the end of your policy).

Cancel One Call Insurance Via Phone Call

The easiest way to get in touch with One Call insurance about cancelling your policy is to call the team on 01302 554015. You can call the One Call insurance team to cancel your insurance, the first thing you need to do is provide your policy and personal information to allow the team to locate your account and policy. You will then need to inform the team that you wish to cancel your policy and you will be informed of any cancellation charges you will need to pay. Once the payments have been made your policy will be cancelled.

Cancel One Call Insurance Online

You can also cancel your policy by going to the One Call insurance website and going to the ‘Contact Us’ section. You will then see a number of drop down options regarding car insurance, select the ‘I Want To Cancel My Car Insurance Policy’ menu. From the drop down you will be able to click the live chat button which is available Monday to Friday: 8am to 8pm and Saturday to Sunday: 8am to 6pm. On the live chat you will be able to discuss and complete your cancellation with a member of the One Call insurance customer services team.

Cancel One Call Insurance Via Post

If you would like to get in touch with the One Call insurance team regarding your policy cancellation via post you can do so. You first need to write a letter including your relevant personal, policy and contact information, a statement informing the team that you would like to cancel and a brief description of why you would like to cancel (optional). You can then send your letter to the One Call head office at:

One Call Insurance, First Point, Balby Carr Bank, Doncaster, South Yorkshire, DN4 5JQ

Your Guide To Buying Car Insurance For Young Drivers

If you are a young driver and you’re struggling to find insurance that you can afford, look no further, below you can find a guide that will help you find insurance that won’t break your bank and will still keep your covered properly in case the worst happens.

Why is car insurance so expensive for young people?

Car insurance is so expensive for young people because insurance companies see insuring young people a higher risk than somebody who has been on the roads and planet for a longer time. The average cost of car insurance for 17-22 year olds is £1,300 a year which can seem extremely unfair when you take into account the financial struggles most people in that age group experience when leaving college and going to university or starting their first job. No need to fret, there are some things you can do to try and cut the costs of your insurance.

Tips for lowering the cost of car insurance for young people

The most important tip is to make sure you shop around, try comparison sites when looking for you car insurance. Make sure you read the fine print about your policy as you don’t want to see your premium cost going up and up every month.

There are 3 different types of insurance: fully comprehensive, third party fire and theft and third party only. Most young drivers immediately gravitate towards the third party only insurance policies as you would think that the policy with the lowest coverage would cost the least. This is not always the case. Sometimes insurances companies view young drivers who are taking out a third party only policy as taking more risks which means they view you as a risky person, therefore, upping your premium costs. Make sure you receive quotes for all coverage types and choose the policy that is best for you both cost and coverage wise.

Try rewording your job title (legitimately, of course). So for example, if you have put your occupation as secretary try changing it to PA or if you put yourself as an artist try changing it to illustrator. You would be surprised at how big the change in premium costs could be due to such a small change in detail.

If you have a close relative who is a safe driver, try adding them onto your policy as an “occasional driver”. This is another one that may be a bit surprising. Most people would think that adding another driver onto your policy would increase your premium, but for a young person to add an older and safer driver to their policy, insurance companies see this as trustworthy as the safe driver also trusts the young driver. You could save hundreds with this trick!

Give a black box a go. Although it may seem a little bit daunting at first to have a machine tracking every move (and mistake) you make, a black box could save you hundreds on your premium if you are a safe driver. You usually don’t need to pay for the black box to be fitted and you can track your driving online to help you improve on some of the things that could be keeping your premium high.

The last tip is to look for insurance companies that are specific for young people. An example is Marmalade insurance, they offer insurance for young drivers, new drivers and even learner drivers! Bell Insurance is another company that specifically offers young driver insurance, their insurance is black box insurance. If you’re a young female driver try Diamond insurance as they offer cheaper insurance for female drivers who are finding it hard to find a fair price for their car insurance.

How To Cancel 1st Central Insurance Policy

1st Central insurance offers car insurance for their customers. If you are a 1st Central insurance customer and you would like to cancel your 1st Central insurance policy you can find out how with the handy guide below.

Cancel 1st Central Insurance Via Phone Call

If you would like to get in touch with the 1st Central insurance team via phone call to cancel your policy you will need to call 0333 043 2066 . Once on the phone with a team member, you will need to inform them that you would like to cancel your insurance policy and include any issues you have experienced that has made you make this decision or any other information you feel is relevant. You will need to provide your personal and policy information to allow the team to identify your policy. You will then be informed of any outstanding payments you will need to pay before cancelling and you will then be able to cancel your policy once this has been paid.

Cancel 1st Central Insurance Via Post

To send 1st Central insurance a letter regarding cancelling your policy you simply need to write a letter including you personal, policy and contact details as well as an explanation that you would like to cancel your policy and any reasons why you wish to cancel your policy. You then need to send the letter to the 1st Central insurance head office at:

First Central Insurance Management Ltd
Central House
25-27 Perrymount Road
Haywards Heath
West Sussex
RH16 3TP

Cancel 1st Central Insurance Online

You can also get in touch with the 1st Central insurance team by going to the website and clicking on the online customer portal. You will need to log in with your details to the online portal. Once you have logged in, you will be able to access contact details of 1st Central insurance as well as some instructions to show you how to cancel your policy online, including any additional charges you may need to pay to cancel your policy.

How To Cancel Your Diamond Car Insurance

Diamond insurance offers car insurance specifically designed for women drivers. If you are a Diamond insurance customer and you would like to cancel your car insurance policy you can follow the guide below to find out the different ways you can.

Cancel Diamond Car Insurance Via Phone Call

You can get in touch with the Diamond car insurance regarding cancelling your car insurance policy by dialling 0333 220 2004 . Once on the phone to the team, you will need to inform the team member that you wish to cancel your policy and include any reasons as to why this might be. You may be offered a lower premium if the price was a factor in cancelling your policy but if you still want to cancel you just need to express this to the team member. You will be asked to confirm your personal and policy information with the team member, once you have done this you will be able to confirm the cancellation of your policy, at this stage you will be informed of any outstanding payments that will need to be completed before your policy is cancelled. Once all outstanding payments are completed you will be able to finish the cancellation process.

Cancel Diamond Car Insurance Via Postal Service

You can also get in touch with the Diamond insurance team to cancel your policy by post. You need to write a letter including your personal and policy information as well as any reasons you have for cancelling your policy, if there was an incident that occurred that made you reconsider holding your car insurance policy with Diamond and whether you have found a better deal elsewhere as they may try and match this deal to keep you a customer. You can then send your letter to the Diamond head office at:

Diamond Insurance
Ty Admiral,
David Street,
Cardiff,
CF10 2AA

Does Your Natwest Account Have Travel Insurance?

Calls cost 7p per minute plus your standard network charge.

Please ensure you have the bill payers permission before contacting a company on our website.

This website provides hard to find phone numbers as a call connection service, and is not associated with the companies listed.

Some Natwest bank accounts offer travel insurance for their customers. If you hold a bank account with Natwest you can find out if your account offers travel insurance as a reward by reading the helpful guide below.

The bank accounts that Natwest offers travel insurance for are:

  • Reward Silver – This bank account offers European travel insurance as well as mobile phone insurance for account holders. The card also offers you £150 when your switch your account to Natwest, 2% in rewards and discounts when eating out with the Tastecard. This account has a £10 monthly fee.
  • Reward Platinum – This account offers worldwide travel insurance as well as mobile phone insurance. This bank account also offers UK car breakdown cover and £150 when you switch to Natwest. There is a £20 monthly fee for this account.

Other Natwest bank accounts do not offer travel insurance as a bonus for their customers.

Contact Natwest

Call Connection, Calls cost 7p per minute plus your standard network charge.

Please ensure you have the bill payers permission before contacting a company on our website.

This website provides hard to find phone numbers as a call connection service, and is not associated with the companies listed.

You can also get in contact with the Natwest team if you have other inquiries regarding your account, you would like to find out about their other services and products, you would like to inquire about your online account, you would like to close your account, you would like to open a new account, you would like to switch to Natwest or you would like to inquire about another issue or topic that you would like to discuss with Natwest.

Guide to Car Insurance for Over 50s

Automobiles were once a newfangled invention, but these days they are a common part of daily life. Increased life expectancy has led the to ageing population continuing to work and travel. People are driving for longer, reaching a point in life where they are no longer new drivers but not yet deteriorating in skills and general health. Drivers in their 50s and above should receive a better deal on car insurance because they will have more experience and be less likely to make a claim. If you are 50 years old to 70 years old, this guide could help you to find the best over 50s car insurance.

What is car insurance for over 50s?

Over-50s car insurance is self-descriptive; it is simply car insurance that is specifically for drivers who are at least 50 years old. The next age milestone after this is car insurance for drivers who are 70 years old and above, when the law changes and their risks increase. The main benefit of car insurance which is tailored for people over 50 years old is that premiums will usually be lower because their risks are lower. These are the driving “golden years” when you are likely to have accumulated a larger No Claims Discount, too. Older drivers not only have more experience but are more cautious as well. They avoid driving at the busiest times, making road accidents less likely.

Is car insurance cheaper for over 50s?

For the above reasons, it is often easier to get lower car insurance premiums if you are over 50. Compare The Market found that in the first half of 2019, 50% of drivers over 50 years old could save around £400 compared to the average annual premium. Insurers calculate premiums based on the vehicle type and your driving history, not just your age and years of experience. You are more likely to get cheaper car insurance if you have no claims history. If you drive an old or expensive car, or do not park it securely, this could cause premiums to go up. Regardless of age, it should be the same for all genders.

Should you look for specialist providers of car insurance for over 50s?

There are some insurance providers who actually specialise in car insurance for over 50s. However, it is best to do a broader search and comparison and not automatically limit yourself to specialist insurers. All insurers consider age when calculating premiums, so you could still get a good deal with any non-specific insurer. If you are over 60 or have certain medical conditions, then even specialist insurers will price more competitively. Remember that you are generally more likely to get a better deal if you switch providers at renewal instead of accepting the renewal price from your current insurer.

What information do you need to provide to get car insurance for over 50s?

You must tell the DVLA about medical conditions which could affect your driving ability, and they will assess whether or not you are fit to drive. The DVLA can issue a £1,000 fine and insurers can refuse to pay out on claims if you withhold information like this. Other than this, you must provide your usual details to get an accurate quote for car insurance. These will include:

  • Your age and employment status
  • Driving licence and driving history
  • Vehicle information – registration number, make, model, modifications
  • Vehicle usage and annual mileage
  • Entitlement to No Claims Bonus/Discount
  • Details of any additional drivers

How can I get cheaper car insurance for over 50s?

The way to ensure that your premiums are lower is to cover all your bases:

  • Lower your mileage
  • Increase your car’s security
  • Pay annually in full instead of monthly
  • Increase your voluntary excess
  • Don’t settle for auto-renewal
  • Build up a No Claims Discount
  • Avoid adding younger drivers
  • Consider fitting a Telematics black box
  • Be selective about optional extras

Optional extras include things such as breakdown cover, courtesy cars, legal cover, driving abroad, or for lost or stolen keys. Consider whether you need these or not and if you could get cheaper cover by paying separately instead.

Which insurance providers offer car insurance for over 50s?

If you are over 50, then starting out by comparing specialist insurers could help you find the cheapest car insurance. The following providers operate the most popular cover policies specifically for drivers aged 50+ years old:

The insurance providers below also offer insurance policies for drivers over 50, so you should compare quotes from these as well to find the best offers.

Do You Need Life Insurance For A Mortgage?

If you’re buying your first home or moving to a new home and you’re unsure whether it is necessary for you to purchase life insurance to qualify for a mortgage you can find out everything you need to know by reading the guide below.

You do not need to purchase insurance to get a mortgage. It is recommended by mortgage providers to ensure that if you suddenly pass away your family are still able to pay your mortgage as well as insure financial stability whilst they’re trying to pay for a funural and other expences.

How Does Life Insurance Work?

Life insurance is insurance that ensures your family or friends stability if you pass away. You pay a premium once a month, twice a year or annually after you pass away your beneficiaries will receive a lump sum once they claim. It is important you inform your beneficiaries that you have a life insurance policy as after you die they will need to make a claim to receive money.

The price of your life insurance premium will be based on your age, whether you smoke, your medical history, your family health history such as cancer, any dangerous hobbies you practise such as sky diving, any planned travel you have any time in the future that is to a risky area of the world and other factors such as your driving record and criminal background. The information you provide to the insurance company will be verified by the company talking to your GP, looking at your medical records, any previous insurance applications, sometimes a medical exam, viewing your previous medications, looking at your credit history, your driving record and your criminal background.

You can choose whole life or term life insurance policies, whole life policies mean you will pay your premium until you pass away and your beneficiaries will be guaranteed a pay-out if they claim and term life policies are only valid for a set period of time and if you do not pass away within that time limit your beneficiaries will not be able to claim and your money will be kept by the insurance policy.

How to Switch Your Health Insurance Provider

Private health insurance is an important cover policy for many people who want the best treatment available as quickly as possible in case they should need it. However, the longer you stay with a health insurance provider, you might find that the service is not what you want. If you are not sure how to switch your health insurance provider, read the following guide to find out.

Can I cancel my health insurance?

Yes, you can cancel your health insurance – or at least, in most cases. The issue is that it is a legal contract which could require you to pay in full even if you are leaving to switch to another insurer. The speed of the cancellation process and your entitlement to a refund of your premiums will depend on your current insurer and the terms of your specific policy. Usually, you will only be able to get a refund if you cancel within 14 days of the policy’s start date. It is also likely that there will be an administration fee for early exits.

Why should I switch my health insurance provider?

The hassle of switching might put you off, but there are attractive benefits to switching your health insurance provider. The most common reason is that premiums tend to increase year on year when you stay with the same provider. This is because of risk increasing with age and general inflation. Whenever you make a claim, your premiums are also likely to increase. As well as this, you may want to find a better provider simply because of the poor standard of customer service you have experienced. It is also a good idea to switch if your circumstances are changing and you need a different level of cover. You could take advantage of introductory offers and benefits.

What do I need to consider when I switch health insurance provider?

It is important to make sure that you get the best possible deal by shopping around and comparing health insurance providers extensively. This might seem like too much work, but putting in the time could save you a lot more money. You must be able to receive the exact level of cover that you need at an affordable price for your budget. There are some other important things to consider, too. One of these is that medical insurers often transfer the list of exclusions from your previous policy. This means that they cover you on the same basis and won’t add new exclusions. Be aware that if you already claimed for a condition on your policy, switching providers could result in this being excluded as a pre-existing condition. It is best to discuss specific personal circumstances with each provider and get a tailored quote so that you can compare the costs and benefits of each health insurance provider.

How do I switch my health insurance provider?

Once you have found the best policy and settled on a new provider, simply contact your current provider to inform them that you will be cancelling your current policy with them. It makes sense to wait until the end of the policy term and decline renewal rather than cancelling mid-term. Bear in mind that you should not cancel your current insurance until you have the new policy scheduled to begin, as you might end up without cover and then need it during that time, however brief. You will need to provide copies of your current health insurance documentation to your new provider as well as any evidence required to support your medical history. They may require a health declaration form. Communicate with both providers as you switch.