Car Insurance

How can I get cheap car insurance coverage?

There is a range of insurers who will be able to provide cover, so always shop around and compare quotes from a range of different providers. Insurers will calculate the cost of your insurance policy based on a few factors, so you will need to have the following information to hand:

• Make and model of the car: Most insurers will ask you for the car number plate, but this is not essential. If you have made any modifications to the car, such as lowered suspension, or engine modifications, you will also need to declare them to your insurer, as these can affect the value of your car.
• Details of your driving licence: You will need to declare whether you have any previous driving convictions or points on your licence. These will affect the cost of your policy, as convicted drivers are seen as having a higher risk of making a claim.
• Driver details: If you want to insure any additional named drivers on your policy, you will need to have their details too.
• Any previous claims: In order to determine the risk of you making a claim, your insurer will need to know the details of any previous claims.

How to save money on car insurance?

There are a few steps you can take to reduce the cost of your car insurance policy:

• Compare quotes from a range of different providers
• Increase your voluntary excess. The excess is the amount you pay before the policy begins to cover costs. A higher excess can reduce overall premium costs.
• Protect your no-claims discount. If you are involved in an accident where only minor repairs are needed, covering the costs yourself could be more cost-effective in the long run than making a claim and losing your no-claims bonus.
• Reduce the risk of theft by keeping your car secure. Fit security locks, alarms or tracking devices.
• Reduce your mileage. The fewer miles you drive, the lower the risk of an accident, which can bring down policy costs.