How to Compare Car Insurance in the UK
Car insurance is a mandatory requirement for all motorists in the United Kingdom. There are various types of car insurance policies to cover different types of drivers in the United Kingdom. When it comes to buying or renewing a policy, it is worth comparing offers from different insurance companies.
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Type of Coverage
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When comparing car insurance, it is important to have in mind the type of coverage that is most suited to your needs. There are two types of insurance policies intended for U.K. motorists: comprehensive insurance, which completely covers your car as well as third-party vehicles, and the aptly named Third Party Fire and Theft, which only includes third-party injury liability.
Level of Coverage
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With numerous things to protect, deciding on the level of coverage needed can sometimes be a puzzle. Courtesy cars, windscreen cover, driving in continental Europe and legal expenses in the event of a claim are all additional options that attract higher premiums but can prove invaluable when the unexpected happens. Decide whether any of these additional features are needed and how much they increase your premiums by.
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No Claims Discount
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No Claims Bonus (NCB) is a gratuity given to experienced U.K. drivers for every year that they were insured and did not make a claim on their policy. The higher the number, the lower the insurance premium, so it is worth choosing the company that gives you the biggest NCB. A 5-year NCB could drop your premiums to as low as 25 percent of the original quote.
Insurance Comparison Services
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Looking in different places can help to find the best deal for U.K. car insurance, but this is time-consuming, as you would need to fill out a form for each company. U.K. comparison car insurance websites allow you to complete one form and will search numerous car insurance providers for the best offer.
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References
- Photo Credit Luxury Car sportscar from my luxury car series image by alma_sacra from Fotolia.com
