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What is Car Insurance?


Car insurance is a type of insurance that covers the cost of damage to or loss of a vehicle. It may also cover legal bills and medical expenses for injuries sustained in an accident, or for damage to other property. The specific terms vary by policy type.

Car insurance is mandatory. In the UK it is compulsory to have at least third-party liability coverage although most consumers opt for Fully Comprehensive Insurance which is the highest level of protection covering repair bills, medical expenses and damages to property.

Some insurers have specific coverage included, whilst others provide “add-ons” so it is always important to read up prior to purchasing a policy.


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What Levels Of Cover Are There?


There are 3 main types of Car Insurance to choose from:

Third-Party – Third Party car insurance is the lowest level of cover available within the market and the minimum legal level of cover required to drive in the UK. It covers you if you were to damage someone else’s property or injure someone while driving, it also covers your passengers.

Third-Party Fire and Theft– Third Party Fire and Theft insurance covers you against damage you might cause to someone else, including their property, their car and your passengers. It does not include cover for damage to your own car but does cover repair. Third-Party Fire & Theft will cover a replacement of your vehicle if it’s stolen or damaged by fire.

Fully Comprehensive Car Insurance– This gives you the maximum protection of all options, covering you and your car as well as other people, any medical expenses and damage to property. Even though Fully Comprehensive offers the most protection, can actually sometimes be the cheapest option.



How are Car Insurance quotes worked out?


There’s are many elements that determine how much you pay for your car insurance. Insurance companies use multiple factor to work out a picture of the likelihood of you making a claim, which is reflected in your price.

The main factors are:

1. Your age | 2. Where you live | 3. Your Driving History (claims or no-claims) | 4. The car you drive

      5. Your job title | 6. Your annual mileage | 7. Your voluntary excess | 8. The security of your vehicle

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Your age – Driving experience is a significant factor to insurers. Normally, the younger you are, the less driving experience you will have. From the perspective of an insurer this means you are more likely to have an accident and therefore make a claim.

Where you live – If you live in a built-up city with more vehicle related crime you are more likely to pay more than someone living in a rural countryside area where the risks are lower.

Your driving history – This includes no claims, previous claims or accidents which give insurers an idea of how you drive. If you have made a claim in the past 5 years, it could affect the cost of your insurance. Some insurers will only take previous claims within 3 years so its worth shopping around if you have claimed. Driving convictions such as points will also contribute to the amount you pay.

The car you drive – The car you drive could have a large impact on your insurance costs. Expensive, high performance models, as well as cars with custom modifications, will cost insurers more to repair if you were to be involved an accident. Valuable cars could also be a target for car thieves.

Your job title – Another area taken into account is your job title. It gives insurers a level of understand as to how much time you spend on the road commuting. The assumption is more time spent driving or travelling to sites could increase the likelihood of you making a claim.

Your annual mileage – Gives insurers an indication of the amount of time you spend on the road, in essence the more miles you do, the greater your risk of an accident.

Your voluntary excess – The rule of thumb is the higher your excess, the lower the price of your insurance. Insurers see a higher voluntary excess from the driver as a risk mitigation.

The security of your vehicle – Cars fitted with an alarm, immobiliser and or tracker are much harder to steal and if there is a tracker, easier to recover. Cars with higher security could help keep your  insurance prices down.



FAQS

Most insurers automatically renew your policy and given the cost of insurance fluctuates up or down, you should never just accept the first price you are offered. Instead, shop around to see if you can find cheaper car insurance prices and compare quotes to ensure you are getting the best policy for the price you are paying.

Here are some ways you could reduce the cost of your car insurance:

Adding a named driver – By adding a named driver you can often lower your car insurance prices. Do note that you should always list the person who drives the car most as the main driver, and any drivers deemed as “occasional” as additional. Not following these guidelines is known as fronting, which is illegal.

Pay for your policy annually –If you can afford to, pay for your car insurance upfront. Most insurers will charge interest on monthly payments or add an admin fee if you decide to pay monthly. This could end up costing you an extra 10%+.

Increasing your voluntary excess – By increasing your voluntary excess your prices will naturally be lower as it shows the insurer you are willing to a pay more towards any potential claim.

Building up your no-claims bonus (NCB) – No claims bonus makes a big impact to your quoted price. It proves to the insurer you are less of a risk.

Policy add-ons – Policy add-ons such as breakdown cover or legal assistance will increase the cost of your premium. Some banks and credit cards offer free or discount breakdown and legal assistance, so it is always worth checking if this is provided. When choosing your car insurance add-ons only choose the add-ons you need.

Choosing the right job title –  Believe it or not your job title can make a difference to your premium. Make sure you ensure your job title is correct and updated in order to keep your quoted prices accurate. Insurers will use your occupation as a rating factor when they calculate the price of your car insurance.

Buying your policy early can get you the cheapest price – Data shows the later you leave it your quote, the more you will pay for your car insurance. The “sweet spot” for buying your car insurance is around 3 weeks before renewal.

Check your annual mileage – Carefully review your estimated annual mileage to ensure you are only paying for miles you’re driving. With COVID and many working from home, the annual mileage will naturally have reduced. One way to check your average yearly miles is by checking the mileage on your MOTs to check how many miles you drive between the periods.

You are more likely to get a cheaper quote for car insurance if you pay for your policy up front (annually) versus opting to pay in monthly installments. Paying monthly incurs interest charges which will be added to the total cost of your policy.

Voluntary excess refers to the amount you have to pay in the event of making a claim. This will be in addition to any compulsory excesses set by the insurer you select. The excess element is the amount deducted from any car insurance payout you may get. By opting to pay higher excesses it shows insurers you are happy to help mitigate risks associated with driving, in turn you will often find cheaper car insurance quotes.

Normally the more miles you opt for the higher the cost of your car insurance, the assumption being the more miles you do, the higher the risk you could be involved in an incident.  You should ensure you are as accurate as possible when selecting your mileage, underestimating your mileage could invalidate a potential future claim.

No Claims Bonus or NCB for short put simply is the number of years that you have not claimed on your car insurance policy. As the name suggests insurers will offer discounts for each year you haven’t claimed. Essentially the more no claims years you have, the larger the discount you will receive with the insurers assumption being you’re less likely to claim in the future.

Some motorists opt to pay a small fee to protect their no claims bonus in the event of a crash.

Car insurance is mandatory. In the UK it is compulsory to have at least third-party liability coverage although most consumers opt for Fully Comprehensive Insurance which is the highest level of protection covering repair bills, medical expenses and damages to property.

If you need to make a claim on your car insurance you should first contact your insurer. If you are involved in a crash you should look to obtain as much evidence as possible as you will need to provide details for your insurer, the more detail you can provide the smoother your claims process should be.

Yes, you can transfer a policy, you would need to call your car insurance provider and tell them you’ve changed your car. They should be able to transfer your new car and remove your old vehicle. Depending on when you do this and who you are insured with, there may be an admin fee. Note that your insurance costs could also change, depending on the car you have bought.

One option if you are concerned about a price increase on your insurance when buying a new car is to speak to your insurance provider in advance and ask for a quote.

When applying for a car insurance policy the provider will carry out a “soft search” credit check if you opt to pay for your car insurance monthly. Providers will also look at your credit score (a ‘soft search’) when you compare insurance quotes, but this is just to check your details and won’t affect your score.

If you were to cancel your policy within the 14-day cooling-off period, you should receive a full refund minus the days your policy was active for. If you cancel after the 14 days cooling-off period, you may have to pay cancellation fees as well as administration fees. A refund depends on the circumstances and also whether you pay for your policy annually or monthly.




SavingSuperStore are an Introducer Appointed Representative of Seopa Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA) under FRN: 313860. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322.

*51% of consumers could save £319.03 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from March 2022 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.