/li>Our advice is whether it is via the internet or face to face. Always use a broker because an actual insurance company can only quote with themselves whereas a broker like ourselves can check 200+ schemes. Nine times out of ten a broker will get the cheaper quote.

FINAL WORDS

The one thing I don't want to do is to sound complacent

If we were to believe the hype given to us by all the national newspapers recently we would all be panicking and submitting motor quote details to every online broker as well as visiting every high street broker so that we can hopefully try to save this massive price increase. My advice is DON'T WASTE YOUR TIME, well not for the moment anyway.

We have been Motor Insurance Brokers for over 30 years and any price rises that are around at present are no more or less than at any other time I can remember. What seems to happen is that maybe one insurance company has a bad claims experience throughout the previous year and to make this up they need to increase their prices substantially. The newspapers latch onto this and being their normal sensationalistic (is that a word) selves they announce at the top of their voices that motor insurance prices are about to increase drastically. We are actually fining to the contrary and in a lot of cases PREMIUMS ARE GOING DOWN. I have just checked 5 motor renewals I have done this morning and 3 have gone down and 2 have gone up (one by ?8 and one by ?4.30).

If you still have worries here is what I advise you to do about a month before your renewal is due:

• Get all your paperwork together regarding your insurance and approach a few of the internet sites.
• Visit a few of your local brokers and get quotes (its personal and you are speaking to a real person but you are limited in numbers).

Our advice is whether it is via the internet or face to face. Always use a broker because an actual insurance company can only quote with themselves whereas a broker like ourselves can check 200+ schemes. Nine times out of ten a broker will get the cheaper quote.

FINAL WORDS

The one thing I don't want to do is to sound complacent

een Motor Insurance Brokers for over 30 years and any price rises that are around at present are no more or less than at any other time I can remember. What seems to happen is that maybe one insurance company has a bad claims experience throughout the previous year and to make this up they need to increase their prices substantially. The newspapers latch onto this and being their normal sensationalistic (is that a word) selves they announce at the top of their voices that motor insurance prices are about to increase drastically. We are actually fining to the contrary and in a lot of cases PREMIUMS ARE GOING DOWN. I have just checked 5 motor renewals I have done this morning and 3 have gone down and 2 have gone up (one by ?8 and one by ?4.30).

If you still have worries here is what I advise you to do about a month before your renewal is due:

• Get all your paperwork together regarding your insurance and approach a few of the internet sites.
• Visit a few of your local brokers and get quotes (its personal and you are speaking to a real person but you are limited in numbers).

Our advice is whether it is via the internet or face to face. Always use a broker because an actual insurance company can only quote with themselves whereas a broker like ourselves can check 200+ schemes. Nine times out of ten a broker will get the cheaper quote.

FINAL WORDS

The one thing I don't want to do is to sound complacent

their normal sensationalistic (is that a word) selves they announce at the top of their voices that motor insurance prices are about to increase drastically. We are actually fining to the contrary and in a lot of cases PREMIUMS ARE GOING DOWN. I have just checked 5 motor renewals I have done this morning and 3 have gone down and 2 have gone up (one by ?8 and one by ?4.30).

If you still have worries here is what I advise you to do about a month before your renewal is due:

• Get all your paperwork together regarding your insurance and approach a few of the internet sites.
• Visit a few of your local brokers and get quotes (its personal and you are speaking to a real person but you are limited in numbers).

Our advice is whether it is via the internet or face to face. Always use a broker because an actual insurance company can only quote with themselves whereas a broker like ourselves can check 200+ schemes. Nine times out of ten a broker will get the cheaper quote.

FINAL WORDS

The one thing I don't want to do is to sound complacent

one by ?4.30).

If you still have worries here is what I advise you to do about a month before your renewal is due:

• Get all your paperwork together regarding your insurance and approach a few of the internet sites.
• Visit a few of your local brokers and get quotes (its personal and you are speaking to a real person but you are limited in numbers).

Our advice is whether it is via the internet or face to face. Always use a broker because an actual insurance company can only quote with themselves whereas a broker like ourselves can check 200+ schemes. Nine times out of ten a broker will get the cheaper quote.

FINAL WORDS

The one thing I don't want to do is to sound complacent

/li>Our advice is whether it is via the internet or face to face. Always use a broker because an actual insurance company can only quote with themselves whereas a broker like ourselves can check 200+ schemes. Nine times out of ten a broker will get the cheaper quote.

FINAL WORDS

The one thing I don't want to do is to sound complacent and suggest that premiums will never rise drastically. Bear in mind that insurance companies like making money, they are not a charity. Whilst they have reserves of money from other sources it is not a never ending pot of gold. I can see at some stage that injury claims (which are constantly increasing) will reach a stage where insurers will be bound to have to raise premiums quite drastically to meet the ever rising awards that judges are making. Sadly we live in a "No WIn No Fee" generation and guess what, there is without question many claims which would never have occurred had it not been for constant pressure from the injury lawyer firms constantly ramming their services down our neck. Believe me we all pay in the long run for unnecessary injury claims. We all know people who one minute cannot walk and after the settlement it suddenly improves so that they can play squash. It will get so bad that insurers will definitely raise prices greatly but that day is well in the future as far as we are concerned.

Graham Hodgson

www.hodgsoninsurance.co.uk