Car Insurance
Car insurance premiums have risen by a record amount, according to the latest 'AA British Insurance Premium Index'. The report found that during the fourth quarter of 2009 the average quoted premium for an annual comprehensive car insurance policy increased by 7.2% on the previous quarter. On an annual basis, the same premium rose by 18.7% - the largest ever increase since the index began in 1994. We reckon that this is a sign of things to come. We're here to help drive your premiums down, but what can you do to make sure you're getting the best premium possible?
HINTS & TIPS
- USE ALL THE LINKS - We have painstakingly searched through the UK motor insurance market to get you links to as many insurers as possible - more than all of the comparison sites put together! The majority of the insurers listed below do not appear on comparison sites - but just to make sure, at the foot of the page we've given you links to them too. OK, so it might take you some time going through them all, but you're here to save money aren't you? Don't forget the navigation links above for more specialist policies, like Lady Drivers, Under 25's, and Over 50's. (Check the links on these pages as well as the ones below, not instead of).
- COVER TYPE - The majority of insurer's minimum cover is 'third party fire & theft'. Therefore, do not assume that 'third party only' policies are cheaper, as there are far less quotes to choose from and you're restricting your market choice. Likewise, some insurers only offer comprehensive car insurance, and some have a large 'age of car' discount built in to their rates for older cars (particularly for drivers over 25). So, your cheapest option may be comprehensive, even though third party only cover is adequate for your requirements. On the other hand, if your car is not worth a huge amount of money, consider third party fire & theft instead of comprehensive.
- DRIVERS - Some insurers give a larger discount for 'insured and spouse' than for 'insured only' to drive. Even if your spouse is unlikely to drive your car, get a quote with him/her named as a driver as this could reduce your premium! If you are a young driver, try adding a more experienced person as a named driver (parent?) as this could also save you money. Remember, if they're named on the policy they don't have to drive the car!
- EXCESS - The vast majority of companies have a 'compulsory excess' built in to their policy, normally £100.00. This is the amount YOU contribute towards a claim. You can reduce your premium by opting for a 'voluntary excess' which is added to the compulsory excess. You can buy a completely seperate 'Excess Protection' policy for almost definitely less than the difference between quotes with and without a voluntary excess. In other words, you can save money on your premium, but end up paying ZERO EXCESS if you do have a claim!
- LEGAL COVER - All insurers will try to tempt you into taking their 'Legal Cover', or 'Motor Legal Protection' and some are charging over £35.00 for this add-on. It can prove to be invaluable if you do have a non-fault accident, but there is absolutely no need to purchase it with your motor insurance. We offer this cover completely free to all site visitors, whether you end up buying a policy via a link from this site or not! Click here for more information.
- DON'T CHEAT! - You might save some money by not declaring your accidents, convictions, modifications or other material facts, but if you do this the chances are if you do need to make a claim the insurer will either back out completely, or ask for an additional premium. Tell the truth!
- COME BACK & VISIT! - Don't assume that because you've found the cheapest deal this year that this will be cheapest next time around. Bookmark this site and return again next year to check the market again at renewal, as insurers do fluctuate their premiums from year to year, and we'll almost certainly have new/different links for you.
The above 'hints and tips' are generalisations, and should not be taken as advice from Help Insure Me Ltd. Any decisions you make in buying insurance, or in connection with buying insurance are completely at your discretion and Help Insure Me Ltd cannot be held responsible for any decisions made by you whatsoever.
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AA
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Admiral
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Asda
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Autonet
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Aviva
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Be Wiser
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Budget
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Churchill
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Co-operative Insurance
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Debenhams
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Direct Line
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eCar
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Endsleigh
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Green Insurance
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Greenbee
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Hastings Direct
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Insure
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Kwik Fit
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Liverpool Victoria
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Marks & Spencer
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More Than
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Nationwide
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NatWest
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Protect Your Bubble
** NEW **
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Quoteline Direct
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RAC
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Santander
** NEW **
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Swinton
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Tesco
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Virgin Money
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Yes
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Comparison Sites
So...you've got all your quotes direct from the companies above - now just to double-check you've got yourself the best deal possible, check out these insurance comparison sites. Then go back to your best quote and insure your car online!
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Thank you for viewing our car insurance page, we hope it was useful and saved you money!