Monday, February 9, 2009

Compare Quotes For Motor Cover

There are different levels of protection when looking into buying motor cover so this means there is a policy suitable for all your needs. You can go online and compare quotes for motor cover quickly and easily – or get a specialist motor insurance broker to do so on your behalf if you prefer.

Three types of cover

You need a motor insurance policy unless you want the police handing out penalties to you as it is illegal to drive without motor insurance on UK roads. You also need it to avoid having to pay for repairs or damage to your car in the event of an accident caused by you or should it get stolen or damaged.

If you were involved in an accident, depending on the level of cover you have, you could claim for repairs to the car. If it was written-off you would get up to a set amount of the value of the car back. You could also claim medical and legal costs and many other things.

If you only want the very basic form of car insurance cover which comes with the lowest premiums then third party only will meet your needs. It affords protection for any damage caused by you to a third party or their vehicle. However, any damage to your car would not be covered.

If you want to protect your car against fire and theft as well as third party cover, then consider taking third party, fire and theft insurance. This is also known as TPFT cover.

If you want full cover for your vehicle then you may wish to take out a fully comprehensive policy. This covers almost every eventuality and you can often have additional options as such as courtesy car in the event of an accident or legal helplines in the event of an accident.

Comparing what each motor cover policy contains along with the cost is essential if you are to get a quality product that fulfils your needs.

There are few simple tips you can employ when buying your motor cover:

• Do not automatically renew your motor cover without first shopping around. Not automatically renewing it with the same provider can often save you a great deal on the cost of your policy;

• Up your excess. All policy providers will ask you to pay so much as an excess in the event of a claim. However if you offer to pay more than the standard amount, then you are able to cut down the cost of the premiums;

• The safer your car is then the cheaper your policy can be. Install additional security features such as an immobiliser, steering wheel locks or a tracking device. If you park in a garage, your car is harder to steal meaning, in effect, cheaper premiums as you are less at risk of having your car stolen or damaged.

Do be sure that you fully understand the policy terms and conditions. Providers may try to tempt you with many a selection of small extras so consider this when making a comparison.

When looking for your motor cover, make the most of the internet for information available as it offers many tips on ways to make savings on your motor cover along with what to look for and how to choose the right policy for your needs.

For the Best Deals Look Online For Your Car Insurance

It’s that time again. Your car insurance is coming up for renewal. Do you just automatically accept your current insurer’s quote, or do you shop around? The former may seem the quickest and easiest option, but the latter need not be a time consuming exercise as you can go online and compare the different premiums, and policy features and benefits, hassle free.

Automatically renewing your motor insurance without first looking to see what other options are available is common, and often, costly mistake that motorists make. Many assume that they will be rewarded for their loyalty by staying with their provider for another year, but this isn’t simply the case. By taking out a few minutes to shop around for your insurance, you could save yourself quite a bit of money.

So, what are the benefits of shopping around? Certainly, comparing what each car insurance policy contains along with the cost is essential if you are to get a quality product and one that meets your needs. But by shopping around online for your car insurance, you can also access internet only deals or discounted deals.

You can also get a broader view of what is available in the motor insurance marketplace, without having to ring up several brokers or insurers, or wear out your shoe leather visiting the banks in your High Street for a quote.

If you just stay with the insurance provider year after year you could well be paying over the odds for the premiums. So always compare the insurance when it becomes renewable.

One thing to look out for - apart from the price – is to see how many ‘freebies’ are thrown into the cover. This is because, often, what the cover entails will vary greatly between insurance companies.

Compare the motor insurance policies on a like for like basis so you get a true reflection of the costs. Eg. Don’t try and compare one quote for fully comprehensive insurance against one for third party, fire and theft cover.

Some may offer free legal assistance cover, others may not. Check to see if you will be financially penalised for paying your premiums monthly by direct debit rather than in one lump sum.

Check that each is quoting you the price based on the same excess - the excess is what you pay towards the cost of a claim before the insurance company will step in. It is worth noting that if you elect to pay more than the standard excess, you may get your insurance premiums cheaper.

Looking for your car insurance online not only allows you to seek out great savings on motor cover but also provides all the information needed for you to get the right policy for your needs. However, you can always use the services of an online specialist car insurance broker to do the comparisons on your behalf. This will mean that you have to spend even less time worrying about buying your car insurance and more time enjoying the savings you have made!

Getting Cheap Car Insurance

When researching how to get cheap car insurance, using the internet can be a valuable source of cheap motor quotes and useful information. You can become fully versed on the different types of cover there are as well as search for a good deal on your cover. Or, you can find a specialist motor broker who can do this on your behalf.

There are three choices of motor insurance cover, though the benefits may vary depending on who you buy your cover from.

Fully comprehensive is the “all singing all dancing” type of motor insurance cover you can take and this protects your vehicle and the other car involved in an accident for repairs plus many other things. Fully comprehensive car insurance policies can protect against break in and damage to personal belongings, theft, and damage to the car in an accident and also could pay for medical costs if any party was injured in an accident.

A third party, fire and theft policy falls in the middle and provides your car with some basic security against being stolen or catching fire, as well as any third party liability.

Third party only cover is the cheapest of all three of the types of motor insurance, but offers the bare bones of protection, covering basically just any third party liability due to you causing an accident.

Why do you need insurance cover?

You need car insurance unless you want the police handing out penalties to you as it is a legal requirement to have adequate cover if you want to drive on the UK’s roads. You also need it in order to avoid having to pay for repairs or damage to your car should you be involved in an accident or if your vehicle was stolen or got burnt out.

Buying your policy on the internet or via an online broker can often help you find cheap car insurance and is a lot less time consuming that ringing up lots of different car insurance providers for a quote.

There are way too cut down on the cost of your policy too, but doing such things as offering to pay more excess on your policy; increasing the security on your vehicle by investing in steering wheel locks, an immobiliser or a tracking device; using your garage if you have one; protecting your no claims bonus.

Also bear in mind that to make sure you are getting the best deal on your cover each year always look for a new policy rather than sticking with the same provider and automatically renewing it.

When shopping around for cheap car insurance, look for the little things that are often found on the policies you are comparing. For example, some providers will offer you the use of a courtesy car while yours is being repaired, or a months’ free insurance.

As there are so many things you need to take into account when researching your motor cover options for getting cheap car insurance, make full use of the internet. It is a valuable tool which you need to make full use of either by shopping around for the right cover by yourself or enlisting a specialist car insurance broker.

Get Cheap Premiums Online For Motor Cover

If you are looking for car insurance, then a quick and easy way to find a policy that meets your budget is by going online for motor cover. It must be remembered that, legal requirements aside, if you had no cover and you were involved in an accident you would have to stand to any losses yourself. The other driver would not be able to claim on your insurance cover if you had none. You would also lose out if your car was destroyed say by fire or if it was stolen.

That is why motor insurance is a legal requirement for anyone driving on the roads in the UK, as well as a way of protecting you and, depending on the motor cover bought, your asset too. When you take out insurance cover you are not only driving legally on the road but can also claim for theft of the car, repairs if in an accident, legal and medical costs along with loss of personal belongings depending on the level of the policy.

There are a number of considerations involved when choosing your insurance as motor cover premiums are influenced by a number of factors such as age, gender, the type of car you drive and which level of cover you want.

Certainly, if you only want the very basic form of insurance cover which comes with the lowest premiums then third party only could be the answer. This affords the most very basic of protection, covering any costs associated with damage / injury to a third party or their vehicle. Any damage caused to your vehicle will not be covered under the insurance.

If you want the most basic of cover plus fire and theft for your car then consider taking third party, fire and theft insurance. Also known as TPFT insurance for short, this will give pay out if your car is stolen or damaged by fire as well as any third party costs.

If you want full motor cover for your vehicle then fully comprehensive insurance covers just about everything including damage to your vehicle whether or not caused by you.

To get the best deal on motor cover you have to shop around and the easiest way to do this is online with a specialist. They can gather your quotes and then all you have to do is to go through the terms and conditions and check the cost.

In order to get a good deal on your insurance, there are a number of things you need to think about. The excess is what you pay towards the cost of a claim before the insurance cover company will step in, so think about voluntarily paying more as if you pay more then you can get your premiums cheaper.

For cheaper premiums on your insurance cover make sure you keep your car safe. This means parking under lock and key in a garage wherever possible and making sure you fit car alarms and steering locks.

Finally, to save money on your policy always compare prices each year, by renewing when the policy runs out you could be paying far more than you need to.

When looking at different policies, compare the extras that many insurance cover companies will give you. For example, some providers will add a courtesy car while your vehicle is off the road at no extra cost to you.

Go online not only for your motor cover quotes but also to find all the information you can about the diverse car insurance cover types, premiums and to get tips for saving on your policy.

Why It Pays To Take The Time To Go With A Specialist Broker For Car Insurance Cover

Some may think that by going with a specialist broker and allowing them to shop around for the best deals and cheapest premiums for your car insurance cover it will work more expensive. However this is far from true, in fact by going with a specialist broker you can actually save money by getting cover that is suitable for your needs and at the same time making savings on your previous years insurance.

Not changing insurance companies and failing to shop around is the single biggest factor as to why many are paying over the odds for their cover. Not going with a specialist broker is the biggest reason why people do not get adequate cover for their needs while making savings. Those people who do actually shop around online for themselves and who have little experience in car insurance often see what seem to be cheap premiums and jump on them without fully understanding what they are buying. This leaves many without adequate cover and they find themselves having to buy additional insurance which of course boosts up the premiums.

It is essential to get good sound advice on the insurance most suitable for your circumstances; there is not just one package that is suitable for all at the same premium rate. The amount that you are asked to pay for your insurance will be based on many factors and a specialist broker will take all this into account before looking for the best deals for your circumstances. Factors that have an affect on your car insurance cover include how old you are at the time of taking out cover, the type and size of engine of the car you drive and whether you have no claims bonus. Of course there are many other factors which could have an affect on the premiums and this is where a specialist broker will be of enormous help.

Not only can they search the whole of the market place for the cheapest deals for your insurance they will also make available on their website a whole host of valuable information on ways that you can make savings. While shopping yourself would be very time consuming and confusing it does not have to be this way if you go with a specialist broker. A broker will be able to tailor their search among the insurance companies to your specific needs which means that if you are a young driver, a woman driver or need insurance based on other criteria you can be sure you will get the best options.

Not only will you be able to get the best premiums possible but the quotes should be provided with the key facts of the policy. You have to read and compare these along with the cost of the insurance as this will tell you how much you will pay for the cover and what is and is not included along with any hidden costs and the amount of excess which you will have to pay before the policy kicks in.