Car Insurance

You will need to know either the car’s registration number, or make and model. You do not have to currently own the vehicle, so it is possible to generate quotes for a car you are intending to purchase. You will need to provide details about your motoring history, such as how long you have been driving and details of any previous motoring accidents, speeding fines or convictions. To utilise a no-claims bonus you will likely be required to submit proof of this after accepting a quote – your current car insurer should be able to provide this on request. Along with standard personal information, including details about your profession, you will be asked what the car will be used for and the estimated annual mileage. Other relevant questions may also be asked.

When choosing the best car insurance policy for you, it is important to consider what else the insurer can provide rather than just selecting the cheapest price. Some insurers offer extras as standard to differentiate themselves, whereas others will offer them as optional paid upgrades. Breakdown cover is a popular service, meaning that in the event of a breakdown they will get you and your car to the nearest garage or to your home. Some policies also offer courtesy cars, providing a free replacement vehicle whilst yours is being repaired. There are a wide variety of other extras to consider, including lost keys cover, windscreen repair, and legal protection.

It is important to note that all car insurance policies are annual, however you are often given the choice to pay monthly. If you pay monthly and make a claim before the annual period is up, you will be required to make the remaining payments (or these will be deducted from any monetary claim). Your car insurance premium will be cheaper if you pay annually. Monthly car insurance is more expensive because it includes interest, which can be as much as 20% APR (or more!). You will undergo a full credit check if you choose to pay monthly for your car insurance.

You could save up to £504* on your car insurance premiums when using this comparison service. By entering your details just once you’ll be able to see real tailored quotes from over 110 car insurance providers, which can then be purchased either online or by phone. To get the cheapest prices for the best cover you can consider paying annually and increasing your excess limit.