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Auto Insurance

How to Get Cheap Rental Car Insurance

Are you on the hunt for affordable insurance for your rental car?

While renting a car can be very convenient, it can also be costly, especially once you tack on the price of rental insurance. But, there are affordable rental car insurance options out there. You just need to know where to look.

Check out this guide to learn how to get cheap rental car insurance.

Figure Out if You Need Rental Car Insurance

First things first, you need to figure out if you need rental car insurance. Many auto insurance policies already cover rental car insurance, so make sure to check with your insurance company to see what your policy includes.

Often, using your own insurance is cheaper than purchasing separate rental car insurance. Plus, there’s less paperwork involved if you go this route.

However, if you’re traveling abroad, you likely won’t be able to use your auto insurance, even if it offers additional coverage. Your auto insurance may also not provide you with the coverage you need if you get in an accident, which is why it’s so important to review your policy.

See if You Qualify for Discounts

Many rental car insurance companies offer discounts to drivers that meet specific requirements. For example, if you served in the military, you may qualify for a discount.

The same goes for senior citizens, students, homeowners, and safe drivers. There are also some discounts offered for loyal customers or for those who have taken defensive driving courses.

Before purchasing rental car insurance, ask the provider if you qualify for any special discounts. Oftentimes, these discounts can knock 10 to 15 percent off your total price.

Join the Right Club

Being a member of a specific club can also qualify you for cheaper rental car insurance rates. For example, big-box chain stores like Costco and BJ’s offer their own car rental affiliate programs.

These programs offer discounts on rental cars as well as discounts on rental car insurance. AAA also has an exclusive membership with Hertz that can help you save money. And, AARP offers exclusive memberships with Avis and Budget Rent a Car.

Bundle Up

Bundling up your rental car insurance with your flight, hotel, and rental car can also help you save money. Expedia, Orbitz, and Travelocity are all big travel sites that offer discounts when you opt for a bundled package.

However, to get a good deal, you need to be prepared to book everything at the same time, so make sure you have your trip planned out. You can also look at hotel and airline sites for discounts on rental car insurance.

Check With Your Credit Card Company

Many credit card companies also partner with rental car insurance companies to offer discounted rates.

For example, the Chase Sapphire Preferred card allows you to book car rentals and rental insurance at a discounted rate right from their online credit card dashboard. This card also offers an excellent signup bonus.

Rental Car Insurance: Time to Buy

Now that you know how to find cheap rental car insurance, it’s time to make your purchase. With the above tips, you should be able to find rental car insurance at an affordable price.

Be sure to check back in with our blog for more insurance-related news and tips.

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Auto Insurance

7 Points to Justify Why Car Insurance Is Important

Accidents are unpredictable, and they can occur to anyone. When it happens, the damages are usually costly, painful, and sorrowful, mainly if injuries or death occur as a result. While not all consequences of a car accident can be recovered, financial losses can, through car insurance.

When you buy car insurance, it is as if you are buying yourself a compensation promise to cover you in case things go wrong in the future. It covers you as a driver and your car, pedestrians or passengers, and their properties. If this doesn’t convince you enough why car insurance is essential, the following points will.

It Is a Mandatory Requirement

In most countries, car insurance is compulsory, and therefore, a law that you must fulfil. As a car owner or a driver, you must buy auto insurance to continue driving legally. For those states that do not place it as a compulsory requirement, you must prove your ability to cover damages in case of an accident. The main reason it is made law is to ensure third parties in an accident get compensated for losses and injuries they incur in an accident.

Offers Protection to Everyone One

Paying car insurance premiums is as good as offering protection for yourself and others as well. It shows that you are a responsible driver. In case of an accident, you are assured that you have the right coverage to cover not only your own damages and injuries but also third parties involved in that accident.

Therefore, you need to get a car insurance quote that will help cover everything and everyone adequately. When you are not sure of the right coverage to undertake, check online guidance, or ask a reliable insurance agent about the same.

It Is a Way of Maintaining Financial Stability

If you listen to most financial experts, they will tell that some of the ways to stay financially stable is through budgeting and having an emergency fund. While insurance is not an emergency fund per se, it acts as one, whereby you do not go back to your pockets to cover damages or losses incurred during an accident.

The fact is that you are investing in small amounts every month, and it will save you and your family from paying huge expenses, which you might not even afford by then.

It Gives You Peace of Mind

Like stated earlier, car accidents are unpredictable, and sometimes it may not be your fault, but it can occur from another driver’s mistake. It would be very stressful for you if this specific driver does not have an insurance policy or the cover is inadequate. However, if you have the right car insurance coverage from your side, you will have peace of mind and remain confident on the road about your protection in case of an accident.

It Saves Your Time

The consequences of an accident can be quite depressing and time-consuming. You do not want to waste all your time trying to follow up with a driver who either is not willing to cooperate or is actually underinsured. With your own insurance cover, you will avoid those negotiations that will only be a waste of time — apply your own policy for the losses incurred. After incepting your car insurance claim, your insurance company will make a follow up from there and save you the hassle.

Acts as a Supplement to Health Coverage

With car insurance, you can rest assured that most of your medical bills are also covered. In fact, auto insurance can help in covering some medical expenses that typical health insurance does not recognize. For instance, there are car insurance policies that cover dental treatment as a result of a car accident. It is, therefore, essential to understanding the items covered by all your insurance policies to ensure you are safe from all ends.

You Can Enjoy Some Extras

Most car insurance policies cover a lot more than just an accident. And if your provider can assure you of some extra services, that is an added advantage. One of the additional service you can get include roadside assistance. Imagine being stuck somewhere, and your insurance company comes in handy — it is like hitting two birds with one stone. They may offer you locksmith services, car towing, tire changing, and battery jumps, among others.

However, you need to ensure that your company or the policy you contribute to covers these things before you can start claiming them. Sometimes you might be required to increases your premium package to receive all the services. Well, it is all worth the extra coin.

The Bottom Line;

Buying an auto coverage is something that needs to appear on your monthly expenses budget column. It will save you a lot in the future. After all, based on this context, you have more than enough reason to purchase car insurance — you never know when an accident will occur.

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Auto Insurance

Top 3 Tips for Choosing the Best Car Insurance Policy in the UAE

Are you planning to get a new set of wheels? Before you do so, you should also look into the details of how to get the most reliable car insurance policy. Getting car insurance is not only a necessity; it also increases your enjoyment while cruising around in your new car.

Be Sure to Insure

Knowing that you and your loved ones are safe while on the road adds to the fun of driving. Having your car insured will eliminate that nagging thought of costly repairs and replacements should the unexpected happen. Similarly, getting your vehicle insured will also bring about peace of mind and security while you’re out on the road.

Aside from the fact that it is mandated in the United Arab Emirates (UAE) to get car insurance when buying a car, reliable car insurance will also protect you from unnecessary worry and costs. Depending on the insurance coverage you choose, you can sit back and entrust your vehicle to a dependable provider when it comes to car accident repair or replacement in case of an accident or calamity.

Knowing the advantages of car insurance, there’s really no reason for you to stall in getting one. If you are unsure of how to go about it, then worry no more. Just read on and find out the top tips for choosing a trusty car insurance policy in the UAE:

1. Research and Compare

The first step in choosing the right car insurance is to actually do your homework. Part of being a responsible car owner is to abide by the law of the land. This means that if you are buying a car in the UAE, then you should definitely get car insurance along with it. Knowing the rules and regulations set forth by the government will help you avoid legal repercussions down the road.

At the same time, you should also take the time to compare insurance providers. There are a lot of choices when it comes to car insurance. To avoid being overwhelmed, you can use an insurance comparison site to look for the best one that will cover your needs.

An insurance comparison site will make the job easier for you. It will help you save time because you can get instant, side-by-side comparisons on insurance policies and identify where you can save the most. It’s also hassle-free because you can do it in the comforts of your own home.

In addition, it will give you unbiased results. Car insurance quotes are ranked by price so you don’t need to scamper around looking for the best-priced deals.

Lastly, you are under no obligation to purchase. If you are not yet ready, you can simply scour the options and take your time in choosing the best car insurance policy suited to your needs.

2. Seek Assistance

It would also be best if you can have someone you trust help you in choosing car insurance. Ideally, it should be someone who has purchased car insurance before or is knowledgeable about it. This will aid in bringing in insight based on experience.

No need to worry though if you do not have a family member or friend to help walk you through the intricacies of car insurance. Car insurance comparison sites also offer personalized advice. You can chat with their service advisors online and get informed answers based on your requirements.

3. Check the Coverage

Before you sign on the dotted lines, make sure you review your insurance coverage. There are basically two types: Third-Party Liability (TPL) Cover and Comprehensive Cover.

TPL coverage is the most basic form of car insurance. At the minimum, this is the required coverage required by the UAE motor vehicle law. With this, bodily injury or death of a third party is covered as well as any damage to their vehicles. However, this does not protect you from theft, personal medical expenses, or repair costs.

On the other hand, Comprehensive Coverage includes TPL coverage as well as compensation and protection for you and your vehicle even if the accident was deemed your fault. This is the highest form of car insurance coverage that you can get.

You can also opt to get additional coverage such as Personal Accident Cover, Geographical Extension Cover, Off-road cover, and other more detailed coverage policies.

Choose the Best

Depending on your needs and budget, you can get the most fitting car insurance for your vehicle. Using a car insurance comparison site will be most helpful because you don’t need to physically go around looking for insurers. At the same time, a reputable comparison site will also only feature well-regarded insurers so you can be assured that you avoid fly-by-night offers.

The best thing to remember is to go for the insurance policy that will address your particular situation. Whether it is the type of car, how often you use your vehicle, or what your financial capacity is, car insurance is a necessity that will help you enjoy many miles of safe and comfortable driving.

AUTHOR BIO

Erin Daniyel is the VP for Revenue Operations at Rubicon Project and spokesperson for CompareDubai, an online comparison portal that provides customers with a one-stop platform to compare insurance quotes offered within the UAE. CompareDubai delivers quotations from a number of insurance providers covering a range of products, from Car Insurance to Motorbike, Yacht and Boat, Medical, Life, Business and Home Insurance.

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Auto Insurance

A Vehicle Accident can affect your Auto Insurance

No one plans for a vehicle crash to happen. But it can happen any time without warning and alter your life. Thankfully, auto insurance takes care of immediate issues such as healthcare expenses, damages, and all future ramifications of all individuals involved in the car crash. But how do auto insurance companies assign fault and how does the entire process affect you?

From mere fender-benders to life-threating accidents, every insurer follows a specific system and formulas to assess fault. Therefore, retaining the services of an experienced car accident lawyer in Kent, WA, can help you negotiate a better settlement offer. Here is how an auto accident can impact your auto insurance.

Sure, a crash will impact your vehicle insurance rates

There’re many good reasons to drive carefully. The reality is that low auto insurance rates majorly depend on your ability to drive safely. According to a study done in 2017 by Quadrant Information Services, the average rate increase for a claim worth $2000 was 44%. Therefore, auto accidents affect both your driving record and bank account.

Rates don’t always increase following a crash

Vehicular accidents have a direct impact on one’s vehicle insurance premiums. A driving record is among the top factors that an insurer will consider when setting your insurance rates. Your past accidents, particularly if they were your fault, are considered a fair indicator that the insurer may have to pay out insurance claims on your policy in the future.

However, this doesn’t mean the rates will increase every time you file a claim. Most insurance companies are reasonable when it comes to what would or wouldn’t merit an increase in premiums. For instance, if you have maintained a clean driving record for many years, you are less likely to get penalized by your insurer in case you get involved in a minor collision. Here are some of the issues that could lead to an increase in your insurance rates.

  • You are found to be responsible for the collision.
  • You have filed a claim twice or more times with your insurance service provider.
  • The cost associated with damages is very high (thousands of dollars).
  • You reside in a state with no-fault vehicle insurance regulations. That means your insurance service provider must pay for your damages no regardless of who was responsible for the crash.
  • You have other claims with other insurance companies with the past three years.

Note that your premium rates may not increase in case the other driver is found to be fully responsible for the crash or it is your first time to be involved in a crash, and your policy includes crash forgiveness. Besides, if you have a long history of safe driving, you got involved in a minor accident, and you have been with your insurance service provider for many years without filing a claim, your premium rates might not increase.

Keep in mind that you should always inform your insurer about every car accident you get involved in. Even if you don’t plan to file a claim, the other driver might choose to sue for damages. Besides, damages could be worse than you think. Therefore, it is in your best interest to notify your insurer about car accidents, no matter how minor.

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Auto Insurance

Important factors to consider when investing money in Insurance for RV trucks

Once you have made your best purchase of RV, it is obvious that it is the right time for you to look around for best insurance coverage policy. RV trucks can be expensive option and so right insurance plan is must for its protection.

Your RV could also be considered as your second home and so try and look around for coverage that will help you cover all expenses and cost in case of damage or accident.

Most simple insurance coverage will help you cover most of the cost including repairs and maintenance. At the same time you also have to consider selecting a plan as per your affordability.

Few important points that you may have to consider before purchasing a suitable insurance plan are mentioned here below.

Look around for genuine plan

It is important to try and look around for best Austin autos trucks RVs insurance plan. This means that you may not have to consider investing money in simple plans. You have to look around for plans that are available for covering trucks and trailers at the same time.

This will help offer coverage to both, even if you don’t hook your RV to your truck most of the times.

Coverage for medium truck plans

The purchase of plan also has to be done on the basis of type of truck and RV you are having. In most cases people own medium sized RV and truck. So it is never advisable to opt for medium truck coverage plan. This will ensure that you are paying right premium for coverage.

Accidental or theft plan

The moment you are planning to invest money in insurance plan then it is best to select one that can help cover against accident or theft. There are a number of plans that actually offer coverage against theft and accidents. Such types will also offer you with higher returns against lower premium amounts.

Emergency coverage

There are chances that you may need to access cash at time of emergency. So when searching for insurance plans you have to look around for one that will also offer with coverage against emergency conditions. This proves helpful if you need to maintain RV just few hours before traveling.

Traveling insurance

Most RVs need insurance coverage even when camping along the road side. So when purchasing a plan you have to focus on this aspect as well.

Apart from these, you also need to focus on your budget when planning for purchasing Austin autos trucks RVs insurance plans.

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Auto Insurance

Get The Proper Car Insurance When You Know How!

Just how much do you know about auto insurance? A good deal of people can always use more understanding of auto insurance as it is a topic that affects us all. With all the knowledge and other important stuff, it’s possible to get greater insight into automobile insurance. What is essential about automobile insurance is always to getaways to get more knowledge about the topic, that way you can make well-informed decisions. So use this advice, and you should be making the proper decisions on the kind of auto insurance coverage you require.

# Whom to add from the policy?

When going for auto insurance for a young driver, make sure you think about your options as far as you want it or don’t want them on your coverage or to get them their own policy. Based upon your current rates and background, it may or might not be beneficial for them to be included in your strategy.

# Get the insurance based on the type of car

To save money on your auto insurance before you start the searching for a new automobile. Apart from your driving record and place, the largest factor in your cost is the vehicle they are insuring. Various companies will set various rates which are also based on their experiences paying claims for that sort of car.

# Risk affects the money

Nearly every auto insurance company such as So Switch Car Insurance is charging you according to the risk you pose, so a terrific way to save money is to come across as a low-risk motorist to the insurer. These anti-theft apparatus save the insurance companies thousands if your vehicle is stolen, and the savings are passed on to you.

# Move with cheaper car

If you plan on purchasing a new car but would like to keep your insurance premiums low, buy a less expensive car. The more expensive a vehicle is to fix, the more money your insurance company will need from you. You will save money both in purchasing a lower priced car and in ensuring it, keeping it securely in your pocket.

# The Significance of coverage

When purchasing auto insurance, consider what coverage you truly need against what policy is being advocated by the agent. If your car is worth less than about five thousand dollars, collision coverage is most likely costing you more than that which would cover in a crash. However, property liability policy is critical, as it protects you against having to cover for damage to another party’s automobile or other property.

# Never dismiss the extras

Take a good look at your auto coverage and take off any “extras” that you won’t use. By way of example, you may have emergency roadside assistance within your plan. If you don’t believe that you will use this, then drop it so as to decrease the amount you’re spending on your insurance. Your broker can help you determine what else could apply.

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Auto Insurance

Things You Should Remember About Servicing And Repairs

If you are a vehicle owner, then you will know that taking time out of your busy schedule to take your car to a garage for a service can often be difficult, while many people think that a regular service is expensive, or unnecessary. However, by regularly servicing your vehicle, especially changing the oil, you can help to create an optimal level of performance while also extending the life expectancy of the vehicle. Therefore, if you are looking to enjoy a number of benefits, then you should think about contacting a company offering seat servicing & repairs in Guildford for more information about pricing and service levels. This is especially important if you want to boost the safety of your vehicle while also creating a higher resale value as well as lower the running costs of the vehicle.

One of the most important elements of taking your car for a regular service is that you can create an optimum level of safety. This is especially important as a service will check the brakes, air pressure and tyres to make sure no unexpected issues could occur when you are driving the vehicle. Furthermore, by carrying out a regular service of the vehicle, you can maintain its resale value if you are looking to trade it in or sell it in the future. Lastly, by carrying out a regular service on your vehicle, you can lower the running costs from week to week, especially by creating better fuel economy in the engine which could save you money at the petrol pump when you fill up. Therefore, if you are looking for more information then you should think about carrying out a simple online search for a Seat repair service centre in your local area.

  • Create greater safety.
  • Maintain the resale value.
  • Lower the running cost.
  • Give yourself peace of mind.

A vehicle is a big investment while regular services should be carried out in order to maintain the resale value as well as create greater efficiency and safety, which could save you money in the long term.

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Auto Insurance

Car Insurance Premium Calculator- A right tool for comparing the car insurance premium

Car Insurance Premium Calculator is the finest way by which a person can compare different insurances related to the car. It is suggested that before purchasing car insurance, one should calculate the premium so as to get the best insurance in less duration of time. Moreover, there are various companies that provide insurance coverage with various terms and conditions. Nowadays, there are various companies that provide better comparison of car insurance online. A person can visit Coverfox.com to compare car insurance policies provided by different car insurance companies at different cost.

It is vital to understand that a premium depends upon the car and its model. That is why it is suggested to use the Car Insurance Premium Calculator online, so as to get the best insurance at less cost. Now all the things can easily be done online- from booking flights to purchasing various insurances. So, using the calculator online helps in making the right decision in less duration of time.

Advantages of using the Car Insurance Premium Calculator!

  1. It is one of the finest ways by which a person can choose the right car insurance for themselves.
  2. One can easily compare various policies without taking much time.
  3. It helps the person in finding the difference in the premium rates of various companies in less duration of time.

Once the person visits the Car Insurance Premium Calculator page, it is suggested to provide details to the website, so that the online site can compare the insurance properly.

  1. Model of the car.
  2. The total value of the vehicle.
  3. The registration date of the car.
  4. The city in which the car is registered.
  5. Cubic capacity.
  6. The type of product.
  7. Manufacturer.

After adding the above-mentioned details, one must click on the terms and conditions of the Car Insurance Premium Calculator so as to proceed forward. Most of the times a new car owner wishes to look for the best car insurance premium online. So, it is suggested to opt for the Car Insurance Premium Calculator.

Car Insurance Premium Calculator is the best online tool that helps in comparing various premium rates of different companies without stepping out from home. Moreover, the people who own used cars can add the details in the Car Insurance Premium Calculator so as to find the best insurance at the lowest premium rate. They have to especially mention the date of the first sale, the last date of registration, model name, etc. By filling such details a person can easily get the information regarding premium rate.

If the person has already taken car insurance, then it is suggested to renew the policy so as to enjoy the benefits. It is suggested to renew the policy once the expiry date is near.

How to make use of the Car Insurance Premium Calculator?

It is the finest way by which a person can collect a lot of information regarding various premium rates according to their requirements. Forgetting the best car policy on just a few factors, it is suggested to calculate the policies of different companies. With the help of comparison, a person can easily find the best insurance policy.

There are certain factors that influence the car insurance premium –

  1. The premium depends on the type of vehicle you drive. That means if the person is having the car that is well equipped with all the safety features, then there are very few risks of theft and road accidents. Moreover, the high speed sports car is open to more risk of theft. That means if the car is simple, then the person gets a low rate of the premium as compared to that of a luxury car.
  2. There are some people that like to go for a manual transmission, but after some time they convert their car into an automatic transmission. But it is essential to keep in mind that the modification of the car truly affects the premium rate.
  3. A person can either opt for the comprehensive car insurance or the third-party car insurance. It is vital to keep in mind that the premium rate of both the coverage depends accordingly. Car Insurance Premium Calculator is the finest way by which a person can compare the premium rate and can decide which one is best for them.

One can get various car insurance policies online, but it is suggested to opt for the best policy that gives maximum coverage.

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Auto Insurance

GUIDE FOR CAR FINANCING

Before you embark on shopping for a vehicle, you need to do some research. Determine what you want to buy and plan for how you finance it. This paves the way for an enjoyable shopping experience. Start by creating a budget for your vehicle purchase and check on your credit score. It is also important to make a decision regarding whether to buy a used or new car.

Planning

Work out the amount that you can afford and find a car that is suitable for your needs. The internet has made it much easier for buyers to access a wide range of auto dealers and brokers. You can research on different types of cars online and check on the costs among other factors.

With a budget and the car that you want in mind, you can proceed to bargain for the best deals. Being aware of what financing processes entail will help you shop around effectively for a car loan. Before you sign any agreement, ensure that you fully understand the conditions and terms. It is always a good idea to be well prepared before carrying out any financial transaction.

Budgets and Loans

Online calculators are available for you to work out what you can spend on a vehicle. This will enable you to know what your budget can accommodate. Remain within your spending limits and consider the time frame of the loan.

Shorter loans generally require higher payments while the payments are lower for longer loans. Finance your vehicle for an appropriate amount time according to what your down payment will be and what you can comfortably afford.

Shop around before settling on a particular financing option. Look around for different loans at the same time. Higher down payments will result in lower payments. Let your budget guide you and put down enough to cover costs such as tax.

Down Payment

Work out a percentage of the total value of the car as the first payment. This cuts out a significant amount of the total loan and makes your loan payments much more manageable. For people who have good credit, it is easier to get lower interest rates and they can make smaller down payments. The more you are able to spend on your car initially, the better it will be for you in the long run.

Cash

If you have been fortunate enough to stash a significant amount of cash over the years, buying your car outright is an option worth considering. If you have saved enough money and can make your car purchase without emptying your bank accounts, buy your car in cash. Paying for your car in cash means you will not have to deal with interest and can save money on the total cost.

There are various lenders that you can choose from to fund your new car. Buyers with good credit can get low interest rates and this is why it is important for individuals to strive for a good credit ratings Even if you get a good initial offer, it is advisable to shop around before picking a loan that is ideal for you.

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Auto Insurance

AUTO ENROLMENT TO THE WORKPLACE PENSIONS IN UK

Pension as everybody knows is a regular payment that one receives from the state on the official retirement, widows and disabled people. It is a fixed amount to be paid on regular basis to a person, typically when he is retiring from the service age or to some. The many different types of pensions include defined contribution plans, defined benefit plans, as well as several others as customised by the companies or the government.

A new law has been innovated by the government that every employer must add their employees in a workplace pension scheme which is termed as Workplace Pensions Auto Enrolment. All the workers who will be covered under this law should be:

  1. Aged within 22 years and the state pension age
  2. Working in UK
  3. Earning more than £10,000 per year

It is a way of saving for your superannuation which is arranged by your employer. The workplace pensions are also called, ‘works’, ‘company’, ‘occupational’ or ‘work-based’ pensions.

A certain percentage of the employee’s salary is contributed into the pension scheme automatically every week on the day of payment of pay.

Mostly the employer too adds money into the pension scheme for the employee, and the employee gets tax benefits from the government. Usually what the employee will get and how much he can take depends on the type of scheme your employer offers for the employee. One can usually take 25% of the amount which is free of tax.

If the employee pays the Income Tax, the government will add money to the employee’s workplace pension’s auto enrolment scheme in the form of tax benefits. On the other hand, if the employee doesn’t pay the Income Tax, he will still get tax benefit if the pension scheme if the employer uses the feature relief at source to add tax relief to your pension amount.

The employer may also add money. The new law pertaining to the Workplace Pension Auto Enrolment means that employers will have to pay some amount to entitled workers’ pension schemes.

This law states that a minimum percentage of the employee’s ‘qualifying earnings’ must be added into your workplace pension scheme. Which may be the amount the employee earns before tax and is between £5,824 and £42,385 per year or the employee’s entire pay or salary before the tax This may be chosen by the employer as to how to work on the employees qualifying earnings.

The employer will be issuing a letter to the employee in order to inform him that he has been automatically enrolled in the workplace pension’s auto enrolment scheme. However in case the employee wishes to opt out of the scheme, he can leave the scheme within a month of receiving the information. By opting out later than that might create some hindrances in getting the paid in money back. The employer does not have any right to force the employee to opt out of the workplace pension auto enrolment scheme. Once opted out, the employee can again opt back in by writing to his employer.