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Car Insurance Deals

In the UK, there is only one form of insurance that is compulsory, and that is car insurance. Let us answer any questions you might have, and help you to get the best deal! Of all the factors that affect the cost of your premium, your postcode is the one most likely to send it spiralling. Another important factor is your age.

Lowering Your Premiums

As a parent, adding teenage drivers to an insurance policy can significantly increase your premium. Only do so if it is absolutely necessary. The other sure-fire way of holding down your car premiums is to build up a full five-years no-claims bonus.

The other thing that lowers your premium is 'excess'. This term refers to the amount of money you’re willing to stump up to pay for any repairs. The more money you’re willing to pay out as excess, the lower your premium.

Types of Cover

As it’s illegal to drive in the UK without car insurance, the minimum type of cover you can take out is 'third party'. This covers liability for injuries to other people, including passengers, liability for damage to other people's property, liability of passengers for accidents caused by them, and liability arising from the use of caravan or trailer while attached to the car. The next step up is 'third party fire and theft'.

This provides the above cover plus fire or theft of the vehicle. 'Comprehensive' insurance provides cover for the above, plus accidental damage to your car, a personal accident benefit, medical expenses, and loss of or damage to personal effects in the car.