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We do appreciate that questions about comparing car insurance prices are a little too boring to be asked, but they can be thought.
So we’ve compiled the following simple answers to questions frequently thought, about finding cheap quotes when comparing car insurance.
This should not be constructed as advice and is guidance only.
What is car insurance?
Car insurance can provide you with cover if you’re involved in a car accident. It’s also a legal requirement, so if you own and drive a car, you’ll need it – no ifs, buts or maybes about it. If you’re caught without it, then you could be fined £300 and given six penalty points. If you end up in court, then you could face an unlimited fine and even be disqualified from driving. So, the golden rule of motoring: if you own a car – insure it.
What does car insurance cover?
It’s there to cover the cost of injury and damage to property, people or animals if your car is involved in an accident. Whether you’ll receive compensation for damages to you and your vehicle depends on the type of car insurance policy you have. Not all policies will be the same, so make sure you read the small print and are happy with any exclusions – because it’s a bit late to find out about them after the event.
What types of car insurance are there?
There are three types of car insurance policies to choose from:
- Third party only – this is the minimum legal requirement. It only covers the cost of compensating other people for injury or damage done by you. It doesn’t provide you with any financial help for injury or repairs to your vehicle.
- Third party, fire and theft – this covers the cost of damage or injury to third parties but it will also give you compensation if your car is damaged due to fire or theft or if it is stolen.
- Comprehensive – as the name suggests, this will cover you for third party, fire and theft as well as damage caused to your vehicle. It could also include compensation for a number of things such as: medical treatment, legal expenses and accidental damage.
It’s also worth knowing that the typical car insurance policy lasts for 12 months and will need to be renewed each year. Your insurance might automatically renew when it’s about to expire, so remember to come back to cuuver.com to get the deal that’s right for you.
What car insurance is the best?
The best car insurance for you will depend on you and your circumstances; for example, a telematics policy might be ideal if you’re a young driver, but the financial benefits decrease for older drivers. However, it’s not just important to think about how, where and what you drive, consider your budget realistically and choose your policy type carefully.
You might think a third party only policy is the cheapest option, but weigh up all the pros and cons – you might be surprised at which offers better value. Of course, the only way to really know what’s best, is to compare – which you can do right here (lucky you) so, rely on cuuver.com for all your car insurance needs.
How can I minimise premium costs?
Insurance companies will always base their premium costs on factors such as gender, age, and the persons driving record. Along with these variables, your home address is taken into consideration. For instance, if a driver lives in an area with a high crime rate then this could affect your insurance premiums because there is more risk that the car may be stolen or damaged.
Here is a list of ways to reduce premium insurance costs:
- Any type of car modification can have an effect on your premium cost, make sure you tell your insurers about the modifications made to your car. If they aren’t declared this could invalidate your policy.
- Paying your insurance premiums annually, rather than on a monthly basis could reduce costs significantly.
- Building up your no-claims discount will help increase your discount bonus and intern help lower costs and
- Most modern policies have two separate excess amounts, one is voluntary and the other is set by the insurer which is a key part of the policy. You may wish to set a higher voluntary excess this can lower your premiums but it comes at a risk of having to pay more out of your own pocket, if you do make a claim.
What details do I need to get a car insurance quote?
When you search for car insurance quotes, you’ll be asked all sorts of questions about you and your car; things like the car’s make, model and age, as well as details of your age, where you live, and the type of job you do. You’ll also be asked about how you use the car – whether or not you commute to work in it, use it for business purposes or just for pleasure. You should also know how many years of no claims discount you have (you’ll also need proof of this if you’re switching insurance provider). Be prepared to answer questions about your driving history, too, and be honest about any driving convictions you have – if you don’t tell up front then you could end up invalidating your policy.