Lowering your Insurance Premium in the UK

Increasing motor insurance costs are having a dramatic effect on the outgoings of many families in the United Kingdom. However, there are a number of ways that insurance costs can be reduced. While a safe driving history will inevitably secure a higher no-claims discount when the time comes for renewal, there are a number of steps that can be taken to reduce insurance costs with immediate effect. Increasing the excess on a motor insurance policy will immediately lower the premium on any new policy. However, it must be remember that the higher the excess figure is set at, the more…

How to Compare Car Insurance Quotes

When you are looking at car insurance quotes, you need to consider more than just the premium levels. The amount of coverage and the policy terms you are getting for your money varies from company to company. Take some time to consider in detail exactly what you are getting for the money you are paying out. Some people find it easier to make notes or put information on a spreadsheet when they are considering different car insurance quotes. A good way to assemble the information is to list the policy limits and the type of coverage the company is offering….

What Does Comprehensive Insurance Involve?

Although motorists in the UK only legally obliged to carry the minimum level of third party motor insurance, the purchase of a comprehensive policy isn’t actually as expensive as many drivers would first imagine. As well as offering additional protection for a vehicle, comprehensive car insurance also offers the driver complete peace of mind. A comprehensive policy offers the driver full coverage if they are found to be at fault in a road traffic accident and any subsequent claims will pay for repair costs on their own vehicles and those belonging to third parties involved in the same incident. Comprehensive…

UK Motor Insurance – What you need to Know

What are the most important aspects of motor insurance in the UK? Perhaps the most vital factor that should be established is that all motorists stay on the right side of law. To do this, any motorist using a vehicle in the UK is required to carry a minimum level of third party motor insurance. This provides cover for injuries sustained to other drivers and their vehicles but the policy won’t cover the policyholder. What if I want coverage for myself and my own vehicle? As long as it is cost-effective to do so, it is always advisable to purchase…

Third Party Motor Insurance

Third party motor insurance is the minimum level of coverage needed to drive a vehicle on roads within the United Kingdom. Unless a motorist is operating a vehicle on private land only, it is a criminal offence to drive without insurance and those caught doing so can face penalty points on their driving license, fixed penalty fines or imprisonment. Third party motor insurance has been in place since 1930 and effectively covers liability costs for bodily injury and property damage in the event of a road traffic accident. It will not cover any injuries sustained by the policyholder or any…

How to Get an Insurance Quotation Online

I want to use the internet to purchase my car insurance. What should I do? Although most insurers have their own websites, many consumers prefer the convenience of price comparison websites. Although these resources deal with many different products, car insurance is something of a specialized area for most of them. What do I need to do? Once you have found a price comparison site, you will be asked to create an account. This will usually involve supplying your e-mail address and creating a password. This can be done in confidence as most price comparison websites don’t hand out your…

Creating a Discount Motor Insurance Policy (UK)

The day-to-day running costs of motoring can quickly escalate and many motorists are left frustrated at the inflated prices of fuel, oil and other ancillary products associated with owning a vehicle. However, one of the best ways of reducing the cost of driving is to package your own insurance plan. Doing this will not only provide you with the correct level of vehicle coverage, but prices can be significantly lowered by leaving out unnecessary additions to a policy. Initially, motorists should consider where they are going to purchase their insurance from. Although many motorists immediately opt for the simplicity of…

Finding Cheap Motor Insurance in the UK

There has to be a certain level of acceptance that the cheapest motor insurance policy isn’t necessarily going to be the best. Indeed, most budget insurance deals often omit essential levels of coverage that many motorists are unaware of until such a time as an accident occurs. It is only then that shortfalls in coverage become apparent so caution should always be applied at the time a policy is taken out. Most motorists looking for cheap motor insurance will immediately opt for third party cover. Although this is perfectly acceptable on older vehicles or those with high levels of mileage,…