Tips

We have compiled a list of handy tips to help you in your dealings with car insurance, just check through and see how you could be saving money or making your life easier.

  • Don’t just accept the first quote you come across, it is worth your while taking the time to get the best deal that is available to you. Remember that the only way to be sure that you are getting the best deal on the market is to have a look around. The UK Car Insurance Directory is a great resource, providing quality car insurance listings.
  • You can often save money buying anything, including car insurance, on the internet. Online companies often have lower overheads and this is translated to lower charges for their customers.
  • Remember that it is only full years of a claim-free record that are counted, so if you are planning on cancelling your policy be sure to do so at the end of the year.
  • If you have a very cheap or old car then consider whether or not it is worth covering it with a high level of insurance. If the maximum payout (i.e. the replacement cost of your vehicle) is less than the yearly premiums then it might be in your interest to take out the minimum level of insurance required instead. Many drivers with particularly cheap or old cars favour third party car insurance.
  • Insuring more than one car with the same UK car insurance company can often earn you valuable discounts, as can holding other policies such as life or home insurance.
  • Having a higher voluntary level of excess can save you money on your car insurance premiums.
  • If you are thinking about buying a new car you should take your potential insurance costs into consideration. A low profile vehicle with low maintenance costs will put you in the best position to gain cheaper car insurance.
  • Be careful about losing your no claims bonus as it is one of the key ways of reducing your car insurance premiums. If you make a claim, regardless of whether the incident was your fault or not, your no claims bonus will be erased irrevocably.
  • If you have a garage, use it. If you have a drive consider putting gates at the end of it. Parking your car in a safe and secure place can help to reduce your premiums considerably.
  • Female drivers, over 50s and drivers with low annual mileages can qualify for discounts on their premiums. Speak to your insurer if you think your premiums should be modified.
  • Only include named drivers on your insurance policy if you really need to as they can bump up your car insurance costs unnecessarily.
  • If you are planning on driving your car abroad be sure to speak to your insurer as soon as possible so that you can make the appropriate arrangements. Read more about driving abroad here.