When researching how to get cheap car insurance, using the internet can be a valuable source of cheap motor quotes and useful information. You can become fully versed on the different types of cover there are as well as search for a good deal on your cover. Or, you can find a specialist motor broker who can do this on your behalf.
There are three choices of motor insurance cover, though the benefits may vary depending on who you buy your cover from.
Fully comprehensive is the “all singing all dancing” type of motor insurance cover you can take and this protects your vehicle and the other car involved in an accident for repairs plus many other things. Fully comprehensive car insurance policies can protect against break in and damage to personal belongings, theft, and damage to the car in an accident and also could pay for medical costs if any party was injured in an accident.
A third party, fire and theft policy falls in the middle and provides your car with some basic security against being stolen or catching fire, as well as any third party liability.
Third party only cover is the cheapest of all three of the types of motor insurance, but offers the bare bones of protection, covering basically just any third party liability due to you causing an accident.
Why do you need insurance cover?
You need car insurance unless you want the police handing out penalties to you as it is a legal requirement to have adequate cover if you want to drive on the UK’s roads. You also need it in order to avoid having to pay for repairs or damage to your car should you be involved in an accident or if your vehicle was stolen or got burnt out.
Buying your policy on the internet or via an online broker can often help you find cheap car insurance and is a lot less time consuming that ringing up lots of different car insurance providers for a quote.
There are way too cut down on the cost of your policy too, but doing such things as offering to pay more excess on your policy; increasing the security on your vehicle by investing in steering wheel locks, an immobiliser or a tracking device; using your garage if you have one; protecting your no claims bonus.
Also bear in mind that to make sure you are getting the best deal on your cover each year always look for a new policy rather than sticking with the same provider and automatically renewing it.
When shopping around for cheap car insurance, look for the little things that are often found on the policies you are comparing. For example, some providers will offer you the use of a courtesy car while yours is being repaired, or a months’ free insurance.
As there are so many things you need to take into account when researching your motor cover options for getting cheap car insurance, make full use of the internet. It is a valuable tool which you need to make full use of either by shopping around for the right cover by yourself or enlisting a specialist car insurance broker.
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.
Filed under Finances by on Oct 31st, 2008. Comment. 
While we all moan and groan about finding the right policy and the cost of motor insurance, if you want to drive legally on the roads in the UK then you have to take out car insurance, so you literally have no choice but to buy it! However, the good news is that it can be a quick and easy process and you can save money when comparing quotes online for car insurance.
Forgetting the legal implications, without a motor insurance policy to fall back on, you could stand to lose everything if your car was written-off in an accident. You would also have to pay out for repairs out of your own pocket and other things such as medical costs and legal assistance would not be paid for you. That is why comparing quotes online for car insurance is so important.
There are three main types of motor insurance; fully comprehensive (also known as ‘fully comp’); third party, fir and theft; and, third party only.
Fully comprehensive is the all-singing-all-dancing cover for cars, offering what it says in the tin -comprehensive cover. Because of the maximum amount of coverage offered, it will obviously cost the most. Fire, damage or a replacement car could be claimed for, so could the cost of repairs for your car and any third party’s. Fully comp would provide cover against a range of eventualities which will often include legal and medical costs.
Third party only on the other hand offers the most basic of cover and while it is a cheaper way to insure your motor, it offers you and your vehicle no protection whatsoever, only paying out for any damage you cause to another car or person.
Third party fire and theft (TPFT cover) gives some security for yourself and is in the middle, price wise. It will pay out for any damage you cause to a third party or their property as well as if your vehicle is stolen or is damaged by fire. As with third party cover only, any damage caused by you to your motor car will not be covered.
As with all purchases in life, the price of your car insurance premiums can vary and so do the small print, so always compare both online with the help of a specialist website who can gather you quotes together for comparison.
There are ways that you can pay less for your insurance, too:
• The more you pay for your excess the cheaper the premiums will be. The excess is the amount you pay before the policy company pays out;
• If your car is harder to steal then the cost of the policy can be kept down. You can do this easily by fitting a lock to the steering wheel of the car and selecting to keep it locked up overnight;
• If you just stay with the policy provider year after year you could well be paying over the odds for the premiums. Always compare policy when it becomes renewable.
Finally, when comparing online for car insurance, look to see how many extras are thrown with the cover as some will offer additional benefits for free to entice you buy their cover.
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.
Filed under Finances by on Oct 31st, 2008. Comment.
When considering which car insurance to buy, you have three types of motor insurance cover to choose from and the benefits of each are explained online. However, to sum them up in their very basic form, third party only cover would cost the least for you to drive legally on the UK roads, however it does not provide cover for your car, only for any damage or loss caused to a third party. Third party fire and theft would give some cover for your vehicle against fire and theft, but not any damage caused by accident. Fully comprehensive is the dearest insurance option of the lot but this is because it covers almost every eventuality, including damage caused to your vehicle by yourself.
Imagine what would happen if you had no insurance? Without insurance to fall back on you could stand to lose everything if your car was damaged beyond repair in an accident or was stolen. It doesn’t bear thinking about, especially if the car was bought on finance. You could be left repaying a loan for a car that no longer exists!
If you were involved in an accident depending on the cover you could claim for repairs to the car and if it was written-off you would get the value of the car back. You could also claim medical and legal costs and many other things.
You can get more information online about the different types of car insurance policies available. However, using the internet is just not just about getting information. You can also take advantage of the web when buying the actual cover, either by shopping around yourself or getting a car insurance broker to do so for you. This means that you can find the most suitable cover for your circumstances as well as can often get the best deals online for car insurance.
Buying car insurance on the internet can help you to cut down the cost of your policy. It is also the best way of comparing the policy benefits (and any failings) against each other. However boring it may seem, do always check out the terms and conditions for what you get for your money. Providers will try to tempt you with many small extras so consider this when choosing what you want from your cover.
There are several things you should bear in mind when getting a car insurance quote such as voluntarily paying a higher excess; upping the security on your vehicle making it a less risky proposition to insure; limiting your mileage per year can often attract discounted premiums; and never stopping with the same insurance company year after year without first doing your research. Often you can get lower premiums if you choose to go elsewhere by considering around.
Taking advantage of what the internet has to offer when considering buying your car insurance is a sensible idea. It holds hints, tips and a vast amount of information relating to policies which can often lead you to the biggest savings on the cost of your policy.
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.
Filed under Finances by on Oct 31st, 2008. Comment.
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