First, it should be noted that the solution is not to reduce coverage of car insurance. It is important to guard against possible accidents, especially at a young age, so the way to get cheaper insurance should not go through this alternative.

The first decision that influences the power of the car is insured. With a car less demanding in this respect the risk you run a car with more power is reduced and perhaps is a good way to save costs also in the car and can also take advantage of choosing a model for biofuel, killing two birds with one shot.

Another way to achieve a lower cost is to hire excess insurance, with careful driving, it will be cheaper in the long run.

Moreover, some aspects such as tuning elements not add to the car, keep in the garage and add burglar alarm are other aspects that reduce the price of insurance.

Finally, one should not forget that the way to find the cheapest insurance is looking good among the alternatives offered by the market. Above all, remember that it is more advisable to acquire certain habits or tastes in the car before giving up a good insurance coverage , ultimately, is what guarantees our driving safety.

Today, the Muslim community in the UK can choose Shariah-based insurance for his vehicle. One insurance company in the UK, have automobile insurance product called “Salaam Halal”.

Salaam Halal uses Takaful principles. This principle makes all members share the risks are balanced. Funds collected from the policyholders are stored in the form of Shariah investments. If at any time the policyholder filed a claim, the company pays the claim from the funds collected. Each end of the year, the funds collected are evaluated, if there is excess [surplus] will be distributed to policyholders in the form of a discount the next premium payment.


Actually, Salaam Halal was launched in mid 2008 and then, but just could
serving customers in 2009. Since the product was launched, the British public’s enthusiasm is very large. Proved, in the first seven days Salam Halal launch site Moneysupermarket.com, the management has received more than 37 thousand comments and questions from the public.

Ahmed Hassan, one of his Muslim customers expressed excitement because finally he can follow the car insurance based on Shariah. “Salaam Halal Car Insurance for me to have a competitive price. But most important, is in line with Muslim beliefs, something that had never existed, “he said.

Principle Salaam Halal held that it also attracted non-Muslim citizens. Bradley Brandon-Cross, chief executive of Salaam Halal Insurance said, “What makes that unique is our principle stretcher. Has a very transparent process and an opportunity to profit again, this is very interesting customers, both Muslim and non-Muslims. ”

To ensure that Salaam Halal actually implementing the principles of Shari’a, all activities, whether in the form of investment, operational, or administrative, overseen by a Sharia Supervisory Committee, an international organization consisting of scholars from various countries.

Salaam Halal presence complements the assumption that the UK has become one of the Islamic financial center in the world. Until now, there are four certificates held by the Islamic Bank of England. No other country in Europe that holds the certificate.

Success Car Insurance Claims filed

No need to worry about the compensation procedure or insurance claims that said some people a bit convoluted. Perhaps it also makes you afraid for insurance. Though accidents, damage, and auto theft can happen to anyone, including you. Therefore, it is important to protect it by insuring the vehicle to a trusted insurance companies.

Here are some steps that can be done to launch and success of car insurance claims that you add:

1. Check the condition of the vehicle
If you have an accident, immediately pulled over to a safe place to check the condition of the vehicle. If any party injured, immediately contact authorities to help follow up the case of an accident. After that, make sure to exchange data and information with third parties involved in an accident, such as name, address, contact details and name of insurance company each. Do not forget to record the number of car and police vehicles, as well as contact numbers witnesses (if any).

2. Do not disconnect liable
And whatever you do, do not claim responsibility for the incident before being found guilty by the authorities, and do not offer to pay compensation to third parties prior to approve it because the insurance company can cancel your insurance claim. However, if the third party claimed responsibility for the incident, then it can be a profitable note. Create a letter accompanied by a written agreement with the stamp.

3. Take pictures of objects in the scene
If you have a camera or camera phone, use to take some pictures from the accident scene. Take close-ups from different angles showing the shooting damage to the vehicle. Record the time and the scene of the accident.

4. Report of insurance company
Report the incidence of accidents to the insurance company as soon as you experience it. You may be asked to relate details of the accident and filing a claim form. Each insurance company has its own policy on this matter. Generally, claims filing deadline no later than 3×24 hours after the incident, equipped with a number of supporting documents such as copies of vehicle registration, driver’s license, insurance policies, and other documents.

5. Police
If you experience vehicle vandalism by the hands of ignorant or stolen, or an accident that occurred not because of your negligence (such as driving over the speed limit or under the influence of alcohol), then report the matter to the police to obtain a certificate or official report police.

6. Possible pay
Prior to making an insurance claim, remember that you probably will have to pay some costs, especially if the accident occurred due to your mistake. Therefore, do check in advance about what costs should be paid to re-read the insurance policy document, or directly contacting your insurance company.

However, if the incident occurred through no fault of you, or the claim is resolved by a third-party insurance company, then no charge should you spend.

7. Filing claims
After the claims filed, would have sent officers to check the insurance company the damage. If the vehicle needs repairs, the insurance company will appoint a specific repair shop to fix it. However, it is also possible that you as the insured party suggested another garage. But the claim filing process usually can last longer, especially if the insurance company objected to the estimated cost required to repair the vehicle.

8. Repairs
If an accident occurs due to third-party errors and claimed responsibility, then the insurance company must pay the damages. Procedures that you need to live the same with the above. However, if the third party is not insured then your insurance company to cover the cost of repairs.

9. Find out the failure of the claim
If the underlying claim was rejected by the insurance company, then find out what caused the failure of the claim by requesting a written statement. If you do not agree with the reasons for such rejection or feel unfairly treated, then do further talks with the insurance.

Author : Yulia Permata Sari
source : Translated from www.mediaindonesia.com

Recommend that you always consult a qualified mechanic or technician license and his car to meet this ensures best results. However, there are some things you can do to maintain the smooth operation of your vehicle.

Basis for your safety

* Before beginning the maintenance of your car go to the owner’s manual as it may have vital information specific to your vehicle
* Use the right tools for the job. It can be dangerous for both you and your vehicle if you use incorrect tools
* Learn to handle chemicals. The naphtha and gasoline are hazardous materials and should never touch your skin
* If any part of the engine clean at home, place a container under the vehicle to capture floating debris and follow local ordinances to discard chemical liquids and naphtha
* Do not work with a hot engine!

If you are unsure about some aspects of the repair or maintenance of your car, consult a professional mechanic.

What not to neglect

* Air filters: air filters constantly accumulating dust and dirt, making sure not enter the engine. Eventually your air filter is blocked by reducing rendimeinto. If the filter is only ligeremante dirty (appear slightly faded), you can clean quickly and gently tap haciaabajo turning it against a hard surface.

* Battery: check their unions to ensure they are not corroded, and keep the cover of the battery clean. Cracks or packages indicate that you may have to replace the battery. If you see corrosion on the terminals, you can try to clean it carefully with a mixture of baking soda and water and a stiff brush (with bristles non-metallic).

* Wipers: windshield wipers that work properly is an essential part of safe driving a car. You can clean the blades using a mild detergent and a paper towel. If the blades are worn, replace them is pretty easy. You can change or rubber sheet or the entire arm.

* Fluid: Before you check the fluid level, make sure the car is on a level surface. Check fluid levels in your vehicle can be a great way to ensure the smooth operation of your car. Make sure the lids esténlimpias, free from dirt and debris before opening to check the level-you do not want anything to come in fluidos.El liquid to clean the windshield is easy to replace. Other fluids, such as engine coolant, brake fluid and power steering fluid should be checked and replaced by a professional.

* Oil Change: Oil protects and lubricates the moving parts of your engine. These break down over time due to heat and pressure involved in protecting the engine, and it collects dirt, dust and other particles. Depending on driving conditions, oil filters and oil should Sercambi each 4.800 to 8.000 miles. Driving in a city (with many stops and starts), driving in dusty, muycalientes or very cold climates, or regularly carry heavy loads, wear oil faster than driving on roads and in temperate areas.

* Tires: Make sure your tires are properly inflated. Not only is it good for maintaining the life of your tires, but it is safer. Do not use pneumatic badly worn, it can be very dangerous, change time.

* Brakes: brakes are essential for safety on the road (and the safety of other drivers), so we recommend that you always make a professional change. Please note noises when braking, or feel that the steering wheel wobbles when braking, take your car to check your brakes as soon as possible. Those are just two of the warning signs that indicate there may be need new brakes

Environmental concerns

A well maintained car can not only save you money on repairs, but also can help the environment. A self-care use less gas, less oil and less energy, produce less pollution than a car in poor condition.

Classes
In many places you will find basic classes for the maintenance of your car.

Even if it never occurs to you to maintain your own self, can be very helpful to know more about your car. Remember, before implementing any of these tips, read the manual of your car and if in doubt, consult a professional.

If you are in the search for a for a very cheap premium on car insurance for a teenager, stop wasting your time because cheap insurance for such an age group does not exist. Because an auto accident is the number one killer of young adults, insurance companies feel the need to give them very high premiums to compensate for this risk. Although you can’t get around the fact that car insurance for young adults is expensive, there are ways to lower its cost…

If the teenager or young adult is on the same policy as a parent, the insurance costs will be lower because the teenager is associated with someone who has a stable income and a good driving record.

Increasing your deductible is recommended if you want to save on auto insurance in general. However, because rates for teenage drivers can be really expensive, increasing the deductible can really ease the pain. The deductible is the amount of money that is paid out of pocket before the insurance company comes in and pays the rest. When increasing your deductible, the key is to make sure that you are not exposing yourself too much.

teens may get a discount on their car insurance if they enroll in drivers ed or some other class or program for young drivers.

If you happen to have multiple cars on a policy, you have to make sure that the young driver is assigned to the most inexpensive car (just make sure that they drive it). Some insurers make it a practice of assigning teenagers to the most expensive cars. If the teenager can’t be reassigned it is highly recommended that insurers be switched.

Make sure not to report any minor bumps and bruises to the car insurance company. If you go to a junkyard you’ll likely find a cheap auto part for you to use.

The cheaper the car, the better. Although many parents get expensive cars with a lot of safety features, it’s not like you can’t get a cheap car that is safe.

The young driver can get a good student discount, which can save around 10% on the premium. All that the teenager needs as around a B average.