Usually, people require car insurance for a whole year, and have plenty of time to arrange their insurance, but this is not always the case. Sometimes you require instant car insurance- perhaps your car is brand new and you only need temporary cover, or perhaps you’ve forgotten to arrange your insurance, and the due date is upon you. Here are some tips for arranging instant car insurance.

Firstly, if you need instant car insurance for a short time, you should ask an insurer for a cover note, also called a cover letter. This is a short-term, temporary cover, given instantly, until you can arrange permanent insurance. This is the kind of insurance which covers a car getting to the repairer, or from a dealership, or to the motor authority in your area.

A different type of instant car insurance is temporary insurance, or “Day Insurance.” Most providers of instant, temporary insurance are happy to insure a vehicle for between 1 and 28 days. If you do not require a whole year’s insurance, this is the option for you. It is particularly useful for travellers who purchase a car while they are overseas, people who have borrowed a car, or people who require car insurance for longer than a cover note will allow.

Not all insurance is the same, so make sure you aren’t treated just like everyone else. Make you needs known to your insurers, and always read the fine print carefully to make sure that you receive the instant car insurance which best meets your needs.

By: Darren MacDonald

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If you want to find car finance by location, you have the choice of looking with lenders on your high street or you may want to compare loans in your area online with a specialist motoring website. Here are some facts you may want to bear in mind when choosing a car loan.

· Perhaps one of the easiest ways of finding car finance by location could be by using a specialist car loans website. If you find one that also allows you to search for your used or new vehicle and provide you with the option of taking out insurance for your car, you may be able to sort all your car needs including buying the vehicle, on the one website.

· The type of vehicle you choose to purchase of course reflects on how much you have to borrow for finance. Therefore, you may want to consider asking yourself if you really have to have a brand new top of the range vehicle or if a good quality second hand model may be more suitable. While you may want to keep up with the Joneses, a new vehicle may cost you thousands of pounds more than a quality used car.

· When choosing car finance by location you have to decide how long a period you wish to take finance over. Spreading out the cost of the loan over 4 years or so helps to keep the monthly repayments low, however you pay more interest.

· If you have an excellent credit rating, you may be able to get a very low rate of interest, which of course helps to keep down the total amount that you have to repay. Therefore, you may want to look into your own credit rating before you search for vehicle finance.

· With a good credit rating, you may be able to get a 0% interest deal if you are able to repay the loan within the 0% period. However, consider how much the interest reverts to after this time. In some cases, the rate may be high. Also, consider that if you take out a loan for a set period with a 0% deal and pay up early, you may have to pay a one off fixed sum as a penalty.

· When taking out a car loan and paying for your vehicle in cash you drive away the car and it is yours. You may choose to sell it if you wish providing you keep your repayments up to date.

· When you search for car finance by location and take a loan, you have cash in your pocket, which may allow you some leeway when it comes to haggling with sellers. You may be able to get them to drop the price simply because you are paying in cash.

By: Louis Rix

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