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Welcome to The UK Car Insurance website.
We are part of the Bestquote group of companies and our aim is to find
you the cheapest car Insurance related products and services. We provide
you with a panel of insurers from which to get quotes, so that you can
find the most competitive car insurance company to provide you with the
best value for money cover.
All you have to do is follow the link to our panel and choose which car
insurance company to get a quote from first. Insurers tend to change
their rates frequently so we recommend that you get several quotes. The
internet has enabled assurance companies to provide cover online, saving
a great deal of time; this time saving equates to lower overheads which
means lower premiums.
Every year thousands of motorists pay more for their car insurance than
they need. The insurance market is now changing incredibly fast and this
means that this year's competitive quote may not be anywhere near last
year's premium.
The latest British
Insurance Premium Index from the AA showed that drivers can easily save
an average of £150 by shopping around for their car insurance. So how do
you find the right insurer?
What
Factors Affect Insurance
There is a strong
incentive for insurers to discover better ways of analysing the risk of
a particular proposal. If they discover a pocket in the market which is
being over-priced by the competition, they can profit by attracting
business at a lower premium.
It's in your interest to
understand how insurers evaluate risk and what information you can give
which will help convince them that you are as low a risk as possible.
What are the major factors?
The car you buy - Use the Cheapest Motor Insurance to look at how
modifying some of your requirements for your car purchase changes your
insurance grouping.
- Your No Claims Bonus. Interesting
facts that can save you money
- Where you live - Post-Code data
mining is now becoming a science. If you are moving house, this is
the fastest way of comparing two areas for crime rates.
- Your Occupation - Many occupations
carry discounts or premiums, but if yours carries a premium, what
can you do about it
- How secure is your car? - One
claim for car theft need not mean the end of your no claims bonus,
but here are the main ways of avoiding being a victim.
- Your gender - Not much you can do
about this except accept the statistics
- Your age - Again just look at the
figures
What other factors are there?
- Have you received a quote from
another insurer? - All forms ask for this and hardly anyone
completes it . Filling it in can really help. Why?.
- Do you smoke? - Yet another reason
to give up smoking.
- Are you paying for bits of your
policy you don't need - The classic example is a Green Card
One factor missing from
this list is the mobile phone premium. No insurers charge premiums yet
for one of these, but in light of recent events watch this space!
Lastly, consider what most
insurance policies don't cover - Personal Injury. Your passengers may be
covered, but are you? Beyond the minimum cover, probably not!!
Quotes
from Car Insurance Providers
The following statements
should enable you to determine whether you are eligible for an online
quotation from an Insurance Provider/Broker.
- Your postcode is in England,
Scotland or Wales (Northern or Southern Irish cover is not
available)
- Your vehicle has not been modified
in any way
- You are the owner and the
registered keeper of the vehicle
- You and all the proposed drivers
have never been refused insurance or had terms imposed on previous
insurance policies
- You have been continually resident
in the UK for the last three year
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