' it's all about cheap insurance '
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All you need to get really cheap car insurance or any other type of
cheap insurance for that matter. Many factors make your premium more
expensive particularly car insurance. We tell you what influences car
insurance policy price and how to get great quotes for less.
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Insurance UK Hints and Tips
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Shop around. The best way to get very cheap car insurance (and you have heard it many times before) is shop around. If you get ten quotes the chances are that the most expensive will cost twice what the least expensive quote costs! The extra effort is worth it. Think how long you would need to work to earn that amount, so spending an hour getting a dozen policy quotes can be time well spent.
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Match the offer. If you are with a UK insurer you like and trust and you receive a lower quote from another company, why not contact your current cover provider at renewal time and ask them to match the offer. You will find that quite often they are prepared to do so or even beat other house insurance or motor insurance quotes by a £10-£20.
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Policy Differences. Remember, not all policies are created equal. Check the small print to see what extras might be bundled in the policy that be useful to you for windscreen cover, courtesy vehicle in the event of an accident, full European car breakdown cover, protected no claims bonus etc.
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Misleading Information. Any insurer, no matter how reputable will probably not pay out in the event of you providing misleading information. Those alloy wheels you put on your car must be declared. If you are a student, you cannot claim you are living at your parent's house even if you live there two days out of seven. Or if you claim you have a full no claims bonus but have not, then you could be in trouble if you have a motor accident. If your car stays on the street don't claim that it stays in a garage or on a driveway.
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Leave time. Many companies will contact you with a renewal premium very close to your policy expiry date. This often means people will take the easy route and renew their insurance UK policy with their current provider. With a week's leeway, you should be able to find a much better car or house insurance deal.
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Young Driver Car Insurance. All young drivers know that Endsleigh are good for a really great quote for the younger or learner driver, but make sure you check out the other companies too. Consider using the UK Pass Plus test and also think about the type of car that you have. A vehicle with a lower insurance groups will get you through the first years as a young driver in the UK when your no claims bonus is at its lowest and your premium is sky high.
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Extra cheap insurance tips. UK Comparison sites that come back with lots of quotes are a useful tool, but unlike us they don't give the full picture. Car Insurance Comparison sites often make guesses about your profession, driving record and car, house etc. This means you really have to go through each quote again manually. Car insurance comparison sites usually miss cash back discounts given by several companies, perhaps misleading you on the best quote. Finally a lot of great motor insurance UK companies including many of our best selling policies refuse to allow themselves to be used on comparison sites, so you may not getting the full story.
Updated
09 Mar 2010