Monday, February 9, 2009

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.

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