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Cheap Car Insurance in the United Kingdom
Car insurance is a mandatory requirement for all drivers in the United Kingdom. However, car insurance premiums can vary significantly, and finding cheap car insurance can save drivers a substantial amount of money. In this article, we will discuss how drivers can obtain cheap car insurance in the United Kingdom.
One of the most effective ways to find cheap car insurance in the United Kingdom is through comparison shopping. Many insurance providers offer online platforms that allow drivers to compare different insurance policies and premiums. By using these platforms, drivers can easily find the most affordable options that suit their individual needs.
Factors Affecting Premiums
To understand how to secure cheap car insurance, it is important to consider the factors that influence insurance premiums in the United Kingdom. These factors typically include the driver's age, driving experience, location, car type, and annual mileage. Younger and inexperienced drivers, for example, often face higher premiums due to their perceived higher risk.
One effective way to reduce car insurance costs in the United Kingdom is by building up a no-claims discount. This discount rewards drivers who have not made any insurance claims during a specified period. The longer the no-claims period, the higher the discount. By maintaining a good driving record, drivers can enjoy significant savings on their car insurance premiums.
Telematics insurance, also known as black box insurance, is a growing trend in the United Kingdom and can be an excellent option for those seeking cheap car insurance. This type of insurance policy involves installing a small device in the car that monitors driving habits and provides data to the insurance provider. Good driving behavior, such as adhering to speed limits and driving responsibly, can result in lower premiums.
The excess level is the amount a driver agrees to pay towards any potential insurance claim. By opting for a higher excess level, drivers can typically secure cheaper insurance premiums. However, it is important to consider whether you can afford to pay the excess amount in the event of a claim before opting for a higher excess level.
Many insurance providers offer multi-policy discounts to customers who have multiple insurance products with them. For example, combining car insurance with home insurance or life insurance can often lead to significant savings. Drivers should research insurance providers that offer these discounts to maximize their chances of obtaining cheap car insurance.
While car insurance is a necessary cost for all drivers in the United Kingdom, there are several ways to obtain cheap car insurance. Comparison shopping, considering factors that affect premiums, building a no-claims discount, opting for telematics insurance, adjusting excess levels, and taking advantage of multi-policy discounts can all contribute to securing affordable car insurance. By being proactive and exploring these options, drivers can save money while still adhering to legal requirements and ensuring financial security through appropriate car insurance coverage.
FAQ: All Your Car Insurance Questions Answered:
Does gender affect car insurance?
Women drivers are less likely to be involved in an accident than men, less likely to receive driving convictions and less likely to have penalty points added to their licence. In fact, Road Safety GB, a British road safety organisation, has published data revealing that men receive 72% of all penalty points and 69% of all drink-driving convictions.
That fact used to translate into cheaper car insurance for women, with a number of specialist insurance brands specifically created to provide female drivers with very cheap car insurance (Sheila’s Wheels, Diva Insurance and Diamond Insurance, for example). However, that all changed in 2012 when the EU’s new gender directive made it illegal for insurance companies to use gender as a factor when calculating premiums. While some of those female-centric insurance brands still exist today, they now serve both male and female drivers and the gender of a policyholder doesn’t play any role at all when they’re looking for the best car insurance quotes.
Does my car insurance policy give me the right to drive someone else’s car?
If you take out third party or third party, fire and theft insurance you will usually only be covered to drive your own vehicle. Some fully comprehensive car insurance policies, on the other hand, also provide the main driver on that policy with third party cover to driver someone else’s car. This type of ‘any car’ inclusion used to be very common on fully-comp policies, but some insurance providers no longer include it as standard so it’s essential that you check the wording in your own policy documents before getting behind the wheel of a friend’s or family member’s car. If an ‘any car’ inclusion isn’t included on a fully-comp policy as standard it may be possible to add it for an additional fee.
What is an insurance excess?
The ‘excess’ on an insurance policy is the initial portion of the costs that the policyholder would have to pay themselves in the event of an insurance claim.
Here’s an example:
If a motorist had a car insurance policy that carried a total excess of £500 and they filed a claim for damage to their vehicle amounting to £2,000 they would have to cover the first £500 themselves, with the insurer covering the remaining £1,500.
Will opting for a high voluntary excess ensure I get offered the best car insurance quotes?
Most policies have two separate excess amounts: a ‘compulsory excess’, which is determined by the insurance provider and can’t be modified or removed; and a ‘voluntary excess’, which is set by the policyholder and can often be adjusted upwards in order to reduce the annual premium. However, agreeing to a very high voluntary excess doesn’t necessarily guarantee you’ll be offered the best car insurance quotes, and it’s still important to shop around by comparing quotes from a wide range of different providers. It’s also important to ensure the excess you opt for won’t be beyond your budget in the event of an accident.
What is dash cam insurance?
Some insurance providers may be willing to offer motorists a discount on their car insurance if they have a dashcam installed in their vehicle, because dashcams can offer providers valuable evidence about exactly what happened in the event of an accident. This video footage could potentially help to prove that the provider’s own policyholder wasn’t at fault, and can also help to reduce the risk of ‘crash for cash’ insurance claims.
How can I get very cheap car insurance?
When you’re starting to search for a new car insurance policy there are a number of things you can do that will increase your likelihood of finding a cheaper quote. First and foremost, you should use an unbiased price comparison platform like Quotezone before you accept a renewal quote from your existing provider. That way you’ll be able to compare quotes from a wide range of providers in a matter of minutes.
Why is comprehensive insurance cheaper?
Fully comprehensive car insurance offers drivers more protection than lower levels of coverage, which means there are more types of incidents where your insurer might have to pay out. In some cases this is reflected in higher premiums for comprehensive insurance policies. However, some insurers do take into account the fact that riskier drivers often search for less comprehensive cover because they assume it will be cheaper, which could mean there is an increased risk of an insurance claim on some third party or TPFT policies even though the insurer is covering fewer types of incidents on those policies. In practice that means fully-comp can potentially be more expensive, less expensive or the same price as lower levels of cover, which is why it’s a good idea to compare quotes for fully-comp even if you’re thinking of taking out less coverage.
How can I get free car insurance?
While it’s true that there’s “no such thing as a free lunch”, some companies do offer motorists free car insurance as an incentive when they make a larger purchase. The most common scenario is a car dealership offering drivers free car insurance for 12 months when they buy a brand new car. While this type of incentive is sure to be attractive to many motorists, it isn’t always a good idea to search down these offers or use them as the deciding factor when you’re buying a car. It’s important to make sure you’re not paying over the odds for the vehicle (or buying a vehicle you don’t really want) in order to secure the free car insurance offer. After all, the cost of that insurance policy will almost certainly have been built into the cost of the car in some way, so you might be getting very cheap car insurance but it isn’t entirely free even though the real cost might not be obvious.
How can Quotezone help to find cheap car insurance?
Quotezone will help you to find cheaper car insurance through our panel of specialist UK based insurance providers. Simply fill in our short details form and start comparing multiple quotes in minutes with our non-biased and independent insurance comparison site. More than 3 million users so far have compared insurance with us for cheaper deals, so give it a try yourself and find a great policy today!