INSURE - CAR INSURANCE
There are hundreds of web sites to help you find great deals on car insurance. One insurer may be cheaper for someone, yet more expensive for another. Factors which influence your premiums will be whether you have a no claims discount, where your car is parked, your post-code, and voluntary excess.
No claims discount
For each year that you insure your car and don't make a claim on your policy you will build up what's known as a 'No Claims Discount'. Because you haven't made a claim, you'll be considered a lower risk, and insurance companies obviously like to reduce the chances of their having to pay out.
Parking
If you have a locked garage in which to park your car overnight, insurers take this into account and often give further discounts. Next best is a private driveway or off-road parking.
Post-code Area
Certain areas may be known to be high-risk areas, where car theft or vandalism is prevalent. Expect to pay higher premiums if you're not in a 'low crime' district.
Voluntary Excess
When taking out your policy you can tell the insurers that you will pay something towards the claim. For example you may set your voluntary excess at £50, which is then the sum you pay, while the insurance company pays the balance of the claim if it's successful. The higher your voluntary excess, the lower your premium.
It's most important that you are honest when you give the information to the insurer. If they find out that there are any discrepancies you may find that you're no longer covered by your policy. Remember too that in the event of a claim the insurer can legally refuse to pay you any money whatsoever. So be as accurate as possible about the information you give. They rely on the information you give being accurate and complete. Your policy may not be valid if you give inaccurate or incomplete information. It is also important to remember to tell your insurer of any change in the information you supplied or any amendment you require. Once again you may not have the protection of your Policy if you fail to do so.
Some allow you to enter your details and they search for the best quote, but we recommend, if time permits, that to find the best deals you enter these uniquely on each site. Many offer discounts for buying your car insurance online.
When it comes to choosing car insurance, there are three types to consider - third party, third party fire and theft and fully comprehensive. You are legally obliged to have at least basic car insurance if you're going to drive on public roads.
Third Party Car Insurance
Basic car insurance which covers you for any damage you cause to another vehicle, and also for any passengers in your car. Third party insurance will not cover you for repairs to your own car if you have an accident which is your fault. You're also not covered if someone steals your car or if it's set on fire.
Third Party Fire and Theft Car Insurance
Third party fire and theft insurance covers you as above but gives you added cover if your car is stolen or set on fire.
Fully Comprehensive Car Insurance
While this is the most expensive option, by changing your insurer you may find it even cheaper than the above. There are big savings to be made if you shop around and get as many quotes as possible.
Fully Comp as it's more often referred to covers you for repairs to your own car in the event of an accident. Also covered is accidental damage, vandalism and you'll be insured to drive other cars with the owner's permission.
It may also help to read reviews from others when deciding which insurer to choose or see our Saving Suggestions
Churchills Buy online for up to 10% discount
Direct Line the first major insurance company in the UK to offer Named Driver No Claims Discounts plus other great benefits.
NatWest gives you immediate cover and up to 65% no claims discount (up to 70% if you’re over 50)

We want to hear about your experiences when looking for car insurance. Email us

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