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Get Best Car Insurance GuideIf you have any concerns about what to do in order to get the best car insurance policy and how to keep your premiums low, this is a great place to start. Here in the featured pages of getbestcarinsurance.co.uk we'll help you to drive down the cost of your motor insurance by discussing many of the most common questions and concerns you may have. Your ultimate choice of policy may not always be straightforward and taking the cheapest policy is definitely not always the best route to take to the best car insurance for you... There are a few other things you need to consider... |
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Third party insurance cover
Third party insurance provides the cheapest and lowest level of accident cover. Although it won’t pay for any accident damage to your car or cover your personal injury, it does insure against accidental car damage and personal injuries caused by you to another person or their property.
Third party, fire and theft insurance cover
This is similar to third party cover with a bit of extra cover in that it still doesn’t cover you for any damage to your car or personal injury in an accident, but it will pay to repair or replace your vehicle if it is damaged by fire or stolen.
Comprehensive insurance cover
Comprehensive insurance cover extends beyond third party and third party, fire and theft to cover damage to your own vehicle and personal injury in the event of an accident.
Getting the cheapest is not always the best car insurance. Third party and third party, fire and theft will always be the cheapest forms of cover but comprehensive cover isn’t always much more expensive and it’s often worth getting competitive quotes when you consider the extra cover it gives you – especially if you can take your no claim discount into account. Remember, too, the best car insurance may not always be the same thing as the lowest priced deal. For example fully comprehensive cover might not be the best option, if your car is worth less than your annual premium.
The Best Car Insurance for Your Car
The type of insurance you opt for will often depend on the value of your car. If your car is worth less than £1000 then the best car insurance for you would usually be third party, fire and theft cover. This way, if you make a claim, other parties involved will still be compensated. Also, in the event of a fire or theft you will be covered. If your car is only worth £800 then it is not worthwhile paying for fully comprehensive cover every year - the yearly premium for that could be more than your car is worth.
Obviously, the decision is up to you, and you may want the extras that come with comprehensive cover.
The Best Car Insurance if You Qualify for a No-claims Discount
The no-claims discount (NCD) is an important feature of your policy to consider when considering your best car insurance. If you have 1-year’s motoring without an accident and, therefore, without making a claim, you will be given a discount on the following year’s premium of between 27% and 57% depending on the insurance company. With 4 or 5-year’s accident-free motoring you can expect as much as 70% discount. If you are an older driver you may qualify for the higher discount sooner. You will lose a portion of the NCD if you make a claim.
The same applies to all three types of insurance cover so that choice doesn't matter when you are considering no-claims bonus. The theory behind this is that the fewer claims you have made in the past, the fewer you will make in the future - and this is exactly what insurers are looking for.
Bottom Line...
There's no such thing as 'best car insurance.' There's not one car insurance policy that is 'one-size fits all.' Everybody's needs and circumstances are different and a lot of factors go into regulating the type and rates of a car insurance policy.
One can't say the cheapest quotation for a policy will get the best car insurance for you. A cheap policy might end up being the most expensive when the time comes to make a claim, especially if you're looking for a quotation for your sports car insurance. Then again, a quotation for a fully comprehensive policy might also not be your best option, especially if the market value of your car is less than your annual premium.
Finding the Best Car Insurance for You
(Discover how you can keep the cost to a minimum)
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Car Insurance is always going to be expensive. However, don't be dazzled by apparently cheap car insurance offers. Compare car insurance with a reputable car insurance comparison service to find the right policy that's appropriate for you. They ask all the right questions to make sure you get a list of quotes to help you find the very best insurance for you. The key is to find those that are offering discounts and special deals for your specific model of car and one that covers your needs and specifications.
Keep Up to Date with Your Car Insurance
Even after you have secured insurance for your car, it is wise to periodically check the rates other car insurance providers are offering young drivers. Car insurance and your circumstances perpetually change and you may find the provider who offers you the best car insurance rate varies periodically. Many car insurance providers offer a host of discounts to those who qualify. These discounts can relate to your driving record, safety features of your car, your age or other factors.
Many drivers object to having to pay their monthly car insurance bill because they feel the insurance isn’t necessary. Although car insurance is a seemingly superfluous financial burden, it does pay off if you are ever in a serious car accident - usually with significant financial ramifications. Therefore, you should never consider allowing your car insurance to lapse and it is recommended you search diligently to find the best available rate on your car insurance for you.
Getting the best car insurance policy for you is one that is tailored specifically for your needs and circumstances and offers you best value for money. There are a few other things you need to consider... (continue reading about the best Car Insurance for Young Drivers)
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