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Motorists wishing to use their vehicles on UK roads should always be aware of insurance requirements so that they are driving legally. Additionally, it also helps to have a firm understanding of the way motor insurance works. This is particularly useful when the time comes to actually make a claim.

Perhaps the most important consideration is to actually purchase the level of coverage you actually need. While many drivers tend to be blinded by the promise of cheaper policies, the more studious motorist will always be aware of the implications of being underinsured. It is much better to pay a little more on a premium than to find yourself hundreds of pounds out of pocket if your policy doesn’t cover you for certain situations.

The vehicle that a motorist drives will usually have the biggest effect on the price of a motor insurance policy. Older cars with high mileage will attract lower prices than the latest performance model or a vehicle with cosmetic modifications. To keep insurance costs low, it can sometimes be worthwhile to sacrifice driving a top-end vehicle until a safe and accident-free driving history has been established.

The driver also has a noticeable effect on premiums and anybody with convictions, penalty points or other motoring offences can expect to see a significant hike in prices. Insurance companies work on a basis of risk and if the driver of a vehicle has a history of endorsements, the chances of securing a low-price policy is greatly reduced. The same is also true of young drivers, who will rarely be able to find competitively priced insurance when they first start driving.

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