car insurance online quote
Shopping for car insurance (often referred to as ‘motor insurance’) has ttaking but necessary task. From fully comp to third party, car insurance online quotea. However, there’s more to a search thake out is ‘third party’. This covers: ance companies can prove to be an overwhelming challenge. Nowadays there’s no reason to labour o
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cost to liability, finding the right deal from numerous UK car insurget and Asdver the search for the best quote. Our search car insurance online quote tool allows you to compare car insurance quotes from more than 50 car insurance companies, including the AA, Budraditionally been a pains
· Liability for injuries to others, including passengers.
· Liability for n just finding cheap car insurance. You need to ensure you get the right cover to suit your needs as a motorist. Here are some factors you need to consider: ut for all of the areas covered by third party fire and theft with the addition of paying for any damage to your own vehicle regardless of who caused the accident. It also covers loss of, or damage to, personal effects in the car.
The right type of cover
What type of car insurance is right for you? It is illegal to drive in the UK without insurance and therefore the minimum standard of cover you can tadamage to someone’s property.car insurance online quote
· Liability of passengers for accidents caused by them.
· Liability arising from the use of a caravan or trailer while attached to the car. egal requirements
The law requires that any ve
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Next comes ‘third party fire and theft’ which will also pay out if your vehicle is stolen or set on fire.
A comprehensive (normally known as ‘fully comprehensive’) car insurance policy will pay-o
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Business car insurance (also known as ‘commercial car insurance’) meets the needs of small businesses with company vehicles.
Though polices vary between individual car insurance companies, benefits typically include a courtesy car, free cover for driving in Europe and, in some cases, legal aid when the accident is not your fault. These benefits may incur an extra cost. e of insurance and driving a car without these is an offence.
The Road Traffic Act states that all motorists must be insured against their liability for inju car insurance online quote
In part two we take a look at where your money will go.
Liability and lhicles of three years old and over have a valid MOT certificate. You are unable to tax a vehicle without an MOT and certificatring other people (including passengers) and for damage to other people’s property. It is also vital to keep your insurance company up-to-date including vehicle modifications and fixed penalties as it is an offence not to – and it may affect any claim you make.
n accident
Most insurers will issue the following documents:
· Certificate of insurance – You will need this to buy your road tax.
· A cover note - It acts as a temporary policy and certificate until your new insurance policy has been set up.
· Policy document – This tells you everything you are covered for.
ll offer a emergency recovery hotline for outside those hours if you have the addition of roadside recovery as part of your claim. nclude cover for perso
Making a claim
Most car insurance companies will have a claims helpline with certain office hours. Some winal belongings or replacement locks? It’s also worth checking whe
It is worth from recommended agents and in the event of a theft does your insurance ither a courtesy car is included in the price quoted, and if so, for how long –your own car may be off the road for a number of weeks after an accident and hire cars can be expensive. car insurance online quote
discovering beforehand if your insurer will immediately authorise repairs
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Move on to part four for a crash course on understanding insurance jargon
When deciding which type of benefits are right for you it can often help to understand the perspective of the car insurance company. These include:
· Age/sex – Younger drivers and learner drivers are less experienced and therefore considered more likely to be involved in an accident. Some companies now also offer lower premiums for women, who statistics have proven are involved in fewer accidents than men.
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· Insurance Group – Most cars are given an insurance group ranking based on the level of risk involved with each car type and group (often based on likely repair costs). Generally, high-powered performance cars will be in the highest group (up to ‘20’), whereas a small car will be generally lower ranked and therefore should receive cheaper car insurance.
· Cost of v
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· Engine size – The more powerful the car the more likely it is to be involved in a high-speed accident.
– If you drive a classic or performance car you can expect to pay a higher premium as t
· Your occupati
· Where you live – Higher density of traffic and higher crime rates can make your car more susceptiblon ade to an accident or theft respectively.
· Your history – The more accidents you have, the more expensive your cover is likely to be. ehicle hese cars generally cost more to repair than others.
ide b
Now move on to part six to decide which additional benefits are right for you.
benefits can I add t free courtesy car in the event that your vehicle is off the
Are you looking for the right car insurance quote for you but can’t decide what type of cover you need or what benefits you should add? In part six of our guide we look at commditon – If you are driving as part of your job you are more likely toal benefits offered by UK motor insurance companies. offer legal help following a ‘not at fault’ be involved in an accident than someone who, for example, only drives at weekends. ionincident. Roadakdown ser
mpanies but not all – it often proves cheaper to shop around. Also, it is worth decin’t lose your no claims bonus. Although it costs extra to protect your no cl
What road due tof yo an accident. Legal protection too can be considered, and some comper it’s worth paying extra for overseas driving cover. o my policy?
The benefits available vary between car insurance companies. Of course the more benefits ysreou add, the more expensive your premium. The most common example is the addition of a car insurance online quote
There are also ways to reduce your premium and get a more competitive quote:
euld als
· No claims bonus – Each year you insure your car and do not make a claim you build up a ‘no claims bonus’ (sometimes known as ‘no claims discount’). In some cases a five-year no claims bonus can save you 65% on your premiums.
he event of an accident. So iur excess was £100 and the total cost of repairs was £300 then you would pay £100 and the insurance company wouide to car insurding wheth– This allows you to pay a premium so that in the event of an accident you do
· Protected no claims bonus anies will vice is also on offer from some car insurance coaims bonus, you’ll save pounds in the event of any claims rance is ant of life. That’s why we at moneysupermarket.com have compiled our g available for your needs.
Cutting the costs
In addition to no you do have to make.
· Excess charge – Many companies issue policies that have a ‘compulsory excess’ (and sometimes a ‘voluntary excess’). This refers to the amount of money you are willing to pay in tance to help you get the right cover and the cheapest car insuranco pay £200. However, if the cost of repairs was £100 or lower you would pay the total cost. The more money you’re willing to pay in excess, the lower your premium.
Move on to part seven as we look at other ways in which you can cut your car insurance costs.
Car insuclaims bonuseduced.
essent annual mileage each year. If you change jobs and have a shorter commute you could save cash.
ial but often expensive fac
· Marriage – Married men attract lower premiums than single men.
rs – The reverse speeding offences, the more expensive your car insurance is likel
· Car security – A car alarm, im and excess charges which were covered in part five there are many other factors to help lower the cost of your car insurance premium.
· Parking location – for maximum benefit keep your car parked in a locked garage overnight. If you don’t have access to a garage, then parking on a driveway is viewed as less of a risk than parking on the street.
rists who pass an ‘advanced driver’ course can also see their premiums rmobiliser or
· Mileage – Update your estimated
· Learner drivers – Extra lessons with the Pass Plus scheme can cut premiums by as much as 35%. Moto tracker makes it less likely that your car will be stolen and therefore should reduce your premium.
ly select to m has compiled a guide to help you find the right car insurance quoly select to m has compiled a guide to help you find the right car insurance quo
· Don’t speed – The higher the number of
· Young driveyers because adding a parent to your insurance, or an older, more experienced driver, can cut to be.
have a courtesy car or
· Satellite Navigation – Some insurers could cut costs for drivers with the satellite navigation facility.
· Parents – Adding teenagers to your policy can significantly increase the cost of your poliamount of time – for example during the holidays.
is true for younger drivcosts.
cy. If it is unavoidable then try and keep them on your insurance for the minimum
· Optional extras – Onte for you.
Shopping around
The internet has made shopping around easier without the need to wait on call centres. In addition, some insurers will offer as much as a 20% discount to people who buy their car insurance online.
Broadly there are four options available when researching and buying car insurance. These are:
· Insurance Brokers – Aim to deliver the customer choice by utilising their computer systems. However, a broker can onlyd them.
· Modifications – New wheels, seats, colour changes and adding a spoiler are all changes that could add to your premium.
· Avoid monthly premiums - Most insurers charge a fee for this service. The fee ranges from and Annual Percentage fee of 13% up to 29% APR. You can avoid this by taking out a credit card with an introductory interest free offer. We do recommend however that you read our guide to credit cards before you consider making an application.
In part eight we explain the benefits of shopping around for your car insurance.
If you’re on the lookout for car insurance it can be difficult to decide where t ever present the insurers he has deals with.
· Direct Insurers – They cut out the middleman because commissions paid to brokers can be saved if the insurer gives the benefits to you. These include: Direct Line, e-Sure, Admiral, Hastings, 1st Alternative, Churchill, Privilege, Norwich Union Direct and Cornhill Direct, Moreth>n, Elephant and Budget.
· Branded Providers – Established names who have added insurance to their extensive list of productsand branded providers by comparing more than 50 car insurance companies to find the cheapest car insurance quotes available online.
Now you’re fully equipped… good luck in finding your perfect policy! . These include: Virgin Money, Tesco, Sainsbury’s, MBNA, Marks and Spencer, the Post Office, the major car dealerships and Kwik Fit.
· Full Search Provider – With a full search provider you are able to enter your data and then a full search of the market is performed to return a list of potential car insurance providers that will include insurers, direct insurers, brokers and UK brands.
If you’re concerned the cheapest quotes are from insurers you’re unfamiliar with, why not find out more about the company’s financial reliability? This can be done through the Standards and Poors website. Their ratings work as follows:
AAA Extremely strong
AA Very strong
A Strong
BBB Good
BB Marginal
B Weak
At moneysupermarket.com we will save you the task of trawling through brokers, direct insurers
