When you buy your car, one of the first things you need to do is to take out some sort of cover for the vehicle. It is a legal obligation which has to be obeyed by every single driver in the UK; no cover means hefty fines, possibly losing your licence or in some circumstances you can face prosecution.
Insurance is expensive when you start driving, premiums sometimes cost more than the actually car itself so the entire UK should be experts when it comes to obtaining the correct cover for the cheapest price.
As with a lot of things people will just pay for the cover that someone recommends and will not think twice about shopping around or comparing prices. The majority of providers reward new customers better than they would existing customers.
The number of drivers currently driving around with the wrong insurance is increasing; many without knowing. If they are involved in an accident, they will not be covered and could end up paying the legal and medical bills along with any damage caused. So you need to ensure you have the right cover before stepping into the driving seat.
There are three main types of cover in the UK and can cater for most situations.
Third party – this is the minimal cover you must have on any vehicle and covers any third parties in the event of an accident, this will not cover yourself or your vehicle. With this in mind it is only recommended for vehicles of little value.
Third party fire and theft – this cover is the same as third party but covers your vehicle if it is stolen or damaged whilst being stolen or is damaged in the event of a fire or explosion. This cost a little more than standard third party insurance.
Fully comprehensive – this is the most common type of insurance and the most expensive cover. It insures your vehicle in pretty much every situation whether it is stolen, accidentally damaged, set alight or damaged in the event of an accident regardless of who is to blame. Fully comprehensive insurance also covers any legal and medical bills which could be charged to yourself if you were to blame. This cover is recommended for most vehicles.
--> You can save money on your insurance by making your vehicle less likely to be stolen or involved in an accident, if the insurance provider recognises this, they will reduce premium costs.Insurance is expensive when you start driving, premiums sometimes cost more than the actually car itself so the entire UK should be experts when it comes to obtaining the correct cover for the cheapest price.
As with a lot of things people will just pay for the cover that someone recommends and will not think twice about shopping around or comparing prices. The majority of providers reward new customers better than they would existing customers.
The number of drivers currently driving around with the wrong insurance is increasing; many without knowing. If they are involved in an accident, they will not be covered and could end up paying the legal and medical bills along with any damage caused. So you need to ensure you have the right cover before stepping into the driving seat.
There are three main types of cover in the UK and can cater for most situations.
Third party – this is the minimal cover you must have on any vehicle and covers any third parties in the event of an accident, this will not cover yourself or your vehicle. With this in mind it is only recommended for vehicles of little value.
Third party fire and theft – this cover is the same as third party but covers your vehicle if it is stolen or damaged whilst being stolen or is damaged in the event of a fire or explosion. This cost a little more than standard third party insurance.
Fully comprehensive – this is the most common type of insurance and the most expensive cover. It insures your vehicle in pretty much every situation whether it is stolen, accidentally damaged, set alight or damaged in the event of an accident regardless of who is to blame. Fully comprehensive insurance also covers any legal and medical bills which could be charged to yourself if you were to blame. This cover is recommended for most vehicles.
By parking your vehicle in a garage or on a drive will reduce the amount you pay, as will installing alarms if your car does not already have so.
Pay annually, you will save money by paying your policy off in one go as opposed to monthly payments.
Renew every year, as mentioned earlier new customers are rewarded more than new customers so it pays to switch insurers every year.
Add an experienced named driver if you have recently passed as it is good to be associated with mature drivers, even if they do not actually drive the car.
Finally, try shopping around for your cover. Use online comparison sites to compare a number of quotes against each other so you can find the perfect car insurance quote for you.
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