It can be a bit of a pain
sorting out a decent car insurance deal for your new dream machine.
Let's face it the search for a cheap deal that gives you complete piece
of mind can be slow and frustrating. As much as we'd all like to settle
for the first policy we stumble across it normally pays dividends to
spend some time shopping around. This isn't going to be an especially
fun experience but follow our quick guide and we can hopefully remove
some of the hassle.
Firstly you'll need to consider what type of cover you want to opt for.
Basic third party insurance will cover the cost of damage to another
driver's vehicle and is the minimum legal requirement. Although this'll
be a cheaper option it won't give you much protection on anything in
the way of damage to your vehicle.
Unless you're on a particularly tight
budget it's probably advisable to look beyond third party and plump for
fully comprehensive car insurance. This offers the extra assurance of
covering any damage to your own car in the event of an accident caused
by yourself. Shop around and you'll find that you can get add-on
benefits like the use of a replacement car whilst yours is being
repaired.
If you plan
on using your vehicle for occasional business related travel make sure
you check whether you're covered for accidents that happen outside your
social, domestic routine unless explicitly mentioned in your agreement
you probably won't be. In this event additional cover is advisable.
If you're a
young driver insurance premiums are almost certainly going to be higher
than for a more established, experienced driver. A good way to reduce
costs is to get some extra qualifications beyond the standard driving
test, like motorway or night driving.
Limit your
cover to named drivers.
It might be
an equally worthwhile money saving tactic to improve the security on
your car. Check with your insurer but often the installation of car
alarms, immobilisers and parking your vehicle in a garage overnight can
help.
It's
worth keeping your eyes peeled for a protected no-claims discount. It
will cost you a little more but protects any accumulated no-claims
discount that may otherwise be reduced in the event of a claim. They
can give you very worthwhile savings (potentially up to 65%).
Save time and money by going
through a broker or a company who uses the services of numerous
insurers, this will make sure your cover is the most suitable and
hopefully cheapest selected from a larger pool of deals.
Do make sure you keep you insurer notified of any changes of
circumstance and indeed anything that may affect you cover, any failure
to disclose relevant information might invalidate a claim.
By: Evan Moss
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