The credit crunch strikes hem lines and car insurance

(Author: Sarah Maple | Article Views: 9 | Word Count: 490 | Published: Sep 18th 2008)

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After smashing another hideous dent in my car I am seriously considering getting it cleaned up using my car insurance policy.

I wasn’t so bothered after my first dent. It was only a small one right near the bumper and you could hardly see it but this most recent one is absolutely huge. I went smack bang into a concrete pillar whilst I was trying to turn round on a country lane. The unfortunately placed obstacle was one of a pair of plinths supporting some majestic looking wrought iron gates that looked like they led to a country estate. If only the gates had of been open at the time I would have been able to reverse up their blooming drive instead of into the entrance of it.

I just couldn’t see it out of the back window of my old Nissan Versa. Of course the fact that I couldn’t see the pillar in my side mirror or out of my back window should have told me that this was because the back of my car was covering it up. I did not assume this, instead somewhere in my head was telling me that the gnarly bit of concrete had magically disappeared and that I was safe to reverse. Wrong

Now I have upped my accident at under 2mphr list to 12. I am an accident prone snail. The new dent is decorated with a few scrapes and chipped bits of paint that lend a certain beatnik careless can’t afford a new car feel to it. I feel like a student again.

At least by not claiming on my car insurance I have managed to knock up 3 years of no claims. I might just buy a new car with good visibility and wait until an occasion when I really need to put my policy to the test (touchwood it won’t come to that). Until then I will just drive around in my beloved banger and not worry about the occasional scratch or nick that I incur on my travels.

I always search for the best deals on my insurance every year. With so many comparison websites it’s easy to find a good deal and compare rates without the hassle of doing all your own research and getting confused. It’s so easy to just stick with the insurance company that you have had since you were 18 years old through either laziness or loyalty but it is always worth checking out the competition. After all if you can save a couple of hundred pounds just by clicking around online in your lunch break then why the hell not? If this credit crunch malarkey is going to last a while it can’t hurt to do the sensible thing and prepare to buckle up, you would only otherwise be spending your lunch break reading about celebrities or buying clothes. Or maybe that’s just me?

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