Finding the right car insurance in
the United Kingdom doesn't have to be a hair pulling task. There is a
way find car insurance, which is mandatory, by going online and
searching price comparison car insurance websites. Price comparison
websites offer you the option of reviewing and choosing a car policy
that fits your needs, and many will give you hints and tips on how to go
about finding the right car insurance at a price that is affordable. Of
course, car insurance can be quite complex because there are factors
that are considered in the mix of determining your premium. They include
the car type you own, the model and size of the engine, your age,
experience, occupation, accident record, where you keep your car, annual
mileage, parking and security, etc. However, the fact is, a good price
comparison site will often provide better quotations that an insurance
specialist site.
As you shop for car insurance, it helps to know how it works in order to
get a better idea of what you should be looking for in terms of prices
and other benefits you may need from the insurer you choose.
Questions To Explore Regarding Car Insurance
Policies
If you are a seasoned driver or a
brand new driver there are ways to save on car insurance premiums.
Usually, the more you ask for in the way of add ons, the more you will
pay. For example, a courtesy car is a nice option if you need to get
around while your car is in repair but would you really need one? Check to see if the courtesy car is
standard. Is it available if your vehicle is stolen, and do you pay
extra insurance for the courtesy car? Is it guaranteed or "subject to
availability"?
Legal protection can be important, particularly if you have an accident that
is some other driver's fault. Can you claim back any uninsured losses
from the person who is at fault? Legal help is usually granted only if it
appears apparent that you would win in court - insurance companies will
not throw money away on hopeless cases.
Is roadside service for breakdowns offered or is it an option you must
pay for? And are you covered to travel anywhere in Europe? What about
overseas cover? Car insurance policies for the most part offer this as
standard these days, but there are still some insurers that will make
you pay.
What is the policy excess, and are there excesses that are mandatory for
malicious or accidental damage? The more you pay in excess, the lower
your premium will be, and companies will usually offer either a
compulsory excess or a voluntary excess.
Does the car insurance cover include personal injury, replacement locks
and personal belongings? Will repairs be immediately authorised by the
insurance company, and can you get medical and legal advice or
counselling by telephone?
If you have received a no-claim bonus, will your status change if an
accident occurs that was not your fault? Does the no claims bonus apply
if you are on someone's policy other than your own, and can you transfer
a no-claims bonus to another or second car? How does the policy offer
protection of your no claims bonus? There may be a limit on the number
of claims allowed scheme wise before a bonus is affected.
Ways To Cut Your Car Insurance Premiums
The above questions are important,
because when answered they will help you determine what policy offers
the most for the money you are spending to insure your car. Other ways
to cut your car insurance premiums include the number of miles you
drive, because many insurers base a portion of the premium on the miles
you travel in a year's time. If the miles you travel changes for any
reason and become shorter, inform your insurance company, and you could
save money.
Take driver's lessons whether you are a new driver or experienced. Proof
of competency taking a course like Pass Plus or an advanced driver
course will usually reduce your premium -- sometimes as much as 30 to
35%.
Learner drivers - Insurers always
like to have additional proof that you are a competent driver. Extra
lessons with the Pass Plus scheme can cut motor insurance premiums by as
much as 35%.
If you are a married male, let it be known, because married males often
receive lower premiums than a single man.
Make sure your auto has a car alarm, tracker or immobiliser to make it
as theft-proof as possible. Ask various companies what they recommend
for security and how much you can save by installing one.
Drive safely by obeying the rules of the road and avoiding traffic
offences. If you receive speeding tickets often, this will certainly
increase the premium you will pay for car insurance.
Adding spoilers, changing wheels, colour, seats, etc., are additions or
changes that could drive your premium up significantly, so keep
modifications down.
Pay your premium off and try to avoid monthly payments, which can carry
an additional fee of 12 to as much as 29%. If you can't pay the premium
all at once, consider taking on a charge card that offers an interest
free, introductory rate. This will give you a few months to pay off the
credit card.
Three Levels of Car Insurance Cover
There are three main levels of car
insurance cover that include Third Party, Third Party Fire and Theft and
Full Comprehensive.
Third party is a minimum cover that covers liability for injuries caused
to other people, other people damage to property, passengers causing an
accident, or an accident caused because of the use of a trailer or
caravan, which is attached to your car. This type of cover does not
cover you for damages to your car. It only covers other people.
Third party theft and fire is a bit better in that it will add fire or
theft of your car; however, if you are found to be at fault, it will not
pay for repairs to your vehicle.
Fully comprehensive car insurance protects against all listed above, as
well as damage to your car that is accidental, medical expenses, damage
or loss of personal items in the car and personal accident benefit. This
is when a comparison car insurance site comes in handy, because some
insurers cover basics, others add variants like courtesy cars and
protected no claim bonuses. You may also find that some insurers will
also include legal aid and driving in Europe as standard, while others
will charge extra for these options.
Applying For Car Insurance
As you do your research on price
comparison insurance sites, you'll need to have facts available to you
when you are ready to apply. They include the car make and model,
registration number, post code, where you keep your car,
annual mileage, type of cover you are looking, any claims or convictions
you've had in the last three years, how you use your auto and any
details if there are other drivers like their licence type, occupation,
date of birth, name, etc.
Copyright insureone.co.uk 2010
Disclaimer
Privacy Contact
Us
