How to Compare Car Insurance in the United Kingdom
In the UK, numerous companies offer car insurance. Getting the best deal requires a comparison of the various insurance policies on offer and the companies themselves. The price you will pay relies on the insurer you choose, the type of insurance cover you require and also how risky a driver the insurance company thinks you are. They will take into account the vehicle you drive, your past record of accidents and things like where you live and the job you do when you apply. Price varies enormously and comparing different offers is essential.
Other People Are Reading
Instructions
-
Compare car insurance policies
-
1
Decide the kind of cover you need. In the UK, car insurance is a legal requirement. But the level of cover you need might vary. The most basic, and cheapest, policies will protect against third-party accident, fire and theft. Fully comprehensive policies are more expensive and will offer greater coverage. When you're comparing policies, it's important you are comparing like with like and getting the level of cover you want.
-
2
Compare prices using a comparison engine. You will find several comparison engines on the internet that make it easy to compare the many different insurers and policies on the market. You will need to enter your details and requirements. The comparison engine will then suggest the best deals. The most popular comparison engines for car insurance are: GoCompare, Moneysupermarket. Comparethemarket and Confused.com.
-
-
3
Check other insurance sites. It's worth noting that two big British car insurers do not permit their policies to appear on any of the comparison engines. If you want the best deal, it's also worth checking out Aviva and Direct Line, two major British car insurers.
-
4
Decide the best deal from the various websites. Consumer experts in the UK also advise that you try to haggle with the insurers. Do this by phoning the insurers on your shortlist and express your interest in a particular policy. Sometimes you'll find that insurance agents have some discretion and can apply further discounts. This is well worth trying if you have an exemplary record and have never had an accident.
-
5
Verify the cover by checking the small print. Does the policy on offer definitely meet your requirements? If you drive a lot or might need to be insured on multiple vehicles, make sure the policy is valid. Certain types of vehicles, including those that you may need to drive for work as well as personal use, will require specific policies. Also, make sure that there are no catches or requirements for renewal. Additionally, make sure that you are taking advantage of all the deals and promotions on offer.
-
1
Tips & Warnings
Comparing different policies will most likely save you money. It's worth taking the time to get the best deal.
References
Resources
- Photo Credit yellow car, a honda japanese sport car model image by alma_sacra from Fotolia.com
