Compare car insurance from our panel of leading insurers. By completing one simple form, we will present you with car insurance quotations, from a wide range of insurers, best suited to your needs.
- We take your details and present you with quotes suited to your requirements in a quick and easy process.
- Benefit from a range of policies including comprehensive, third party fire & theft or third party cover.
- Have access to a range of optional extras including Home start recovery (inc EU) and discounted legal expenses cover.
More About Car Insurance
A car is one of the most valuable assets you own and it is vital that you have sufficient insurance cover to protect it should there be an accident. Car insurance comes in three different cover types: Comprehensive, Third Party Fire & Theft or Third Party Only. It is a legal requirement that all drivers hold a minimum of Third Party cover to protect against claims for third party property damage or claims as a result of injury caused to a third party. Whilst finding an affordable policy is important, having the correct and appropriate level of cover for your individual circumstances is far more essential.
What’s Covered?
The panel of insurers that we use will provide you with access to a range of car insurance policies which can be tailored to meet your individual requirements whilst also providing some additional cover benefits. Dependent on the level of cover you select, your policy will provide you with protection across a range of risks including accidents, injury and third party damage, fire and theft. The option that has in recent years become more popular and which is your minimum legal requirement is Third Party cover which protects the policy owner from claims arising as a result of injury or damage to the other person and their property. Third Party Fire and Theft policies will cover the equivalent plus certain damage or loss to your car as a result of a fire or theft scenario. Comprehensive cover will provide you with insurance to protect against theft, fire and vandalism, third party property damage or injury and damage to your own vehicle. Dependent on your policy, some insurers will also provide you with a courtesy car if you have an accident which requires your vehicle to be repaired. Your policy may also include windscreen and glass cover which repairs or replaces cracked/ broken windscreens and windows.
Ways to save on your premium
There are many things to consider when trying to save money on your car insurance premium. Firstly, every insurer will approach risk differently which means they all charge different rates. Using a panel insurance approach such as ours, will help ensure that you get the best price related to your specific requirements. Fitting a car alarm and immobilizer and storing your car in a locked garage overnight may also help lower your premium as the risk of your vehicle being stolen is greatly reduced. Many insurers request that the security alarm you fit is a Thatcham category 1 alarm and in return they will apply a discounted premium.
You may also receive a discount by increasing the policy excess that is applicable in the event of needing to make a claim. Many insurers will apply a standard excess, however, you can request for this to be increased. Think twice before modifying your car, changes such as tinted windows, alloy wheels, etc will make your car more appealing to thieves and therefore might cost you more to insure. Finally, make sure that you correctly state the amount of mileage that you plan to do annually, don’t over estimate as some insurers may increase the cost of your insurance premium.
As it is a legal requirement to renew your insurance policy annually, it might seem an easier option to simply renew with the same provider, although doing so could result in losing out on substantial savings. Make sure you shop around for competitive quotes, especially if you have been with the same insurer for two or more years.
It is therefore a good idea to take time and obtain the correct level of cover at the best possible price. Make sure that you read the fine print especially with insurance providers who offer a range of additional extras which may or may not be necessary for your individual needs. Take the hard work out of what could otherwise be a time consuming process, it could result in big savings.
Reducing premiums for young drivers
We all know that car insurance prices are increasing every day and if you are a newly qualified young driver, you are in the worst affected group for highly priced car insurance. One third of accidents on UK roads are caused by drivers between the ages of 17 – 25, therefore, insurers believe you are more likely to make a claim.
The price of your cover can depend on various details such as the type of car, modifications, excess, added extras etc. For young drivers who wish to avoid the increasing car insurance prices, some insurers will recognise an additional driving qualification that is obtained through a driving course known as Pass Plus, which involves further driving lessons. In most circumstances this will reduce the cost of your premium per year. There are also options such as short-term car insurance and pay as you go, which are effectively based on your total mileage. Finding your first car insurance policy can be overwhelming with the amount of information and new terms that need to be absorbed. Therefore it is important that you allow some time to find and compare quotes from the wide choice of providers available.
We will always aim to provide you with an insurance policy which suits your circumstances and the level of cover provided will reflect your needs as an individual car owner. We also make sure that we communicate with you in plain English, there’s nothing hidden in the small print – it’s all laid out to ensure that you don’t get caught out.
Whilst we will present you with the best insurance suitable to you, we ensure that the quality of cover we provide is substantial to your needs. We will make clear what you’re covered for, so you don’t risk being caught out by the small print