Tag: car insurance

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Car Insurance

What information do I need to give when buying car insurance?

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If you’ve just passed your driving test or bought a new car and need to insure it before you get out on the road, it can be a bit of a minefield. As well as sussing out the different types of car insurance, you will also need to get organised and know what information you need to provide to potential insurers. Having your documents at your side when you’re shopping for car insurance will make the process easier and faster to compare insurance quotes.

So without further ado here’s a checklist of the information you need when buying car insurance.

Driver’s licence

This one’s a bit of a no-brainer, but you will need your driver’s licence to hand in case you need to input any information from it. On a side note, you should always keep copies of your licence in case it goes missing.

Vehicle registration

You need to bring with or have to hand any vehicle registration forms as proof of ownership.

Current declaration page

If you already have existing insurance for the vehicle you want to insure, it’s time to unearth your existing insurance declaration page plus any other documents related to your policy. You never know when you might need to access those T&Cs!

Voided check

When you purchase a new car insurance policy you’ll be asked questions about whether you’ve ever had a past policy terminated, declined or voided in the past.

Something to keep in mind

After you’ve bought your shiny, new car policy your insurer can cancel your policy if you fail to disclose certain information. If you give false information on purpose it counts as fraud and could mean your insurance is voided.

Never lie or give false information, not only could you risk losing that great deal you’ve just found, but you will also find it much more difficult to get a new policy in the future.

Find a great deal on your car insurance by using Compare Insurance today.

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Car Insurance

Four ways to drive your car insurance cost down as an experienced driver

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Average car insurance cost can be yet another of those annoying costs that come out month after month, stopping you from diving into your next favourite hobby or taking that holiday you’ve wanted for ages. Here are a few ways to reduce your car insurance bill and free up some money to be better spent on you.

Pay Annually

Paying for your car insurance monthly is effectively taking out a loan. You’re spreading out what would be an annual cost into twelve, but when you pay monthly you also cover an interest payment sprinkled on top. Although you’ll only save a few per cent this way, if you’re saving the pennies then the pounds can look after themselves.

Only pay for what you need

Some people, when looking at car insurance, will consider going for a selection of fun features that they just don’t need. For example, if you were to go for “Enhanced Breakdown Cover” with a brand new car, it might not be required and could be a significant added cost to your car insurance quote. If you only get what you need for you could save a significant amount of money year on year.

Don’t modify your car

Whilst modifications like a louder exhaust, changed bodywork or a tuned engine might seem like a fun idea at the time, they can often come with high insurance costs. This is because modifications can often be done by dealers that are not certified or are seen to be unreliable. Whilst you might enjoy having a modified car, you might have to consider if the insurance cost is worth it.

Shop around

A lot of the time, you won’t find the best deal in the first place you look. It’s always best to shop around to try and find the ideal plan for you at an affordable price. If you’re interested in the best place to compare and contrast car insurance quotes, just visit Compare Insurance. We have a wide range of car insurance companies and quotes available, so we can help you to find the perfect deal.

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Car Insurance

3 car insurance myths debunked

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Car insurance can be extremely difficult to wrap your head around, so to make sure that you end up with the best deal, we’ve debunked three of the most common myths about cheap full coverage insurance.

No claims bonus protection will prevent my premium rising

Many car owners make the mistake of assuming that if they pay more to protect their no-claims bonus then this will stop their premium from growing if they decide to make a claim. However, it isn’t that straightforward. If you have chosen to make a claim and have already paid to protect it, you won’t lose your no-claims bonus, but your premium still has the potential to increase because your insurer might label you as ‘high-risk’. Your no-claims bonus also serves as a discount that is taken away from your premium, so you may still pay more at renewal.

Comprehensive insurance is always more expensive than third-party cover

While it makes logical sense that low-level cover would be cheaper, this is not always the case. Drivers that choose low-level cover have a tendency to make more claims, which has increased the cost of these low-cover policies. For many car owners, comprehensive cover can either cost less or the same as third-party cover or third-party, fire and theft cover, with the added benefit that your own vehicle will receive coverage for any damage.

If I don’t claim, my car insurance premium won’t increase

Every year that you don’t make a claim, you might be building up your no-claims bonus, but this does not mean that your car insurance premium won’t increase. The cost of your insurance will depend on a wide variety of factors. The majority of insurers will consider your age, so after you reach a certain age, your premiums might rise because you are regarded as higher risk. If you make specific adjustments to your insurance policy, such as your address or job, your premium could also change.

If you need help finding the best car insurance policy for you, get in touch with our team at Compare Insurance today.

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Car Insurance

What are the different levels of car insurance cover?

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We find that many people become confused when trying to compare cheap car insurance near me. Before you attempt to sift through the large number of insurance companies trying to offer you the best deal, it’s important to know the difference between each level of cover. Here, we tell you everything you need to know:

The three variations of car insurance are:

• Fully comprehensive insurance
• Third party fire and theft insurance
• Third party insurance

Third party insurance

This is the minimum level of insurance that is legally required to drive in the UAE. However, you should be aware that if you are only choosing to invest in third party insurance, your cover will be the most basic. This type of insurance only covers damage that you may cause to someone’s property, or compensation for any injuries. Therefore, everyone is covered other than you. If your vehicle has sustained damage from an accident, you won’t be covered. This also applies to issues that aren’t self-caused, such as your vehicle being stolen or damaged by a fire.

As you’d expect, third party insurance used to cost less than other options. However, they are now often the most expensive. While we may recommend this to those owning an older, less valuable car, it is often more cost-effective to look for other insurance, and this will also reduce your level of risk.

Third party fire and theft insurance

This offers an extra layer of protection than third party only, as you’ll also be protected if your car is stolen or damaged by fire. Again, this tends to be more expensive than fully comprehensive insurance, and is more suited to older cars. If you have a new, top of the range vehicle, you don’t want to risk not being covered for accidental damage, which is much more common than theft or fire.

Fully comprehensive

This is the greatest level of insurance cover. With fully comprehensive insurance, you’ll be covered for any damage to other vehicles, and your own. You’ll also be covered for thefts, fires and accidents. Historically, this was the most expensive, but nowadays, full comprehensive insurance tends to offer the cheapest quotes. However, you should be aware that your insurance quote will vary depending on a number of other factors, and it’s always a good idea to explore your options before deciding to commit to one.

You can do this with us at Compare Insurance. For more information, don’t hesitate to get in touch.

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Car Insurance

The number one tip for getting an affordable car insurance quote as a young driver

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If you’re a young driver you’ll know that finding affordable car insurance cover is easier said than done. Young drivers are considered a high risk when driving, and as such young driver insurance premiums can be expensive. If you’re looking for the best car insurance price, however, what is your best option for finding the most affordable deal?

Where can you turn for affordable cover?

The secret to getting the most affordable car insurance possible as a young driver is to shop around. You need to find a broad range of insurance companies to get quotes from, to see which of them is willing to give you the cover you need for the least amount. It can be a time-consuming business, however, to get a quote from each of them individually.

This is where a comparison tool comes in fantastically useful. All you need to do is make one simple application, then wait a few moments while the comparison tool does all the work. Quotes will be generated from a wide selection of insurance companies, to allow you to see which of them can offer you the best possible deal on your insurance.

Picking and choosing the best cover for you

It’s easy to get locked into thinking the best cover for you is the cheapest – this isn’t always the case, however. As a young driver, you want to make sure your insurance cover is as comprehensive as possible, as well as being affordable. Fortunately, when you use a comparison tool you can see the details of the cover, as well as the cost.

This allows you to compare more than just the monthly premiums, you will be able to see what each quote actually offers in terms of insurance coverage. With that, you can find yourself the best deal, not just the cheapest deal. Car insurance is essential, and so worth investing in if it means you get slightly better coverage as a result.

If you’ve recently passed your driving test, find the best and most affordable insurance cover available for you by using a specialist comparison tool like Compare Insurance today.

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Car Insurance

Get the right motor trade insurance cover for your business today

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Finding good motor trade insurance coverage is essential if you want to protect yourself, your customers, your employees, and your business – but finding the right deal can be time-consuming. If you want the easy way to compare motor trade insurance deals, make use of a comparison tool today to find a broad range of quotes tailored to you.

Who needs motor trade insurance?

Motor trade insurance is essential for anyone whose business involves driving vehicles. Whether it’s your own business vehicles you drive, customers’ vehicles, or even car sales, motor trade insurance coverage is necessary. It covers you for driving a vehicle in a professional capacity, so can involve all manner of cars, vans, and small trucks.

How do you find the right deal for you?

Naturally, you don’t want to spend too much of your hard-earned cash, but commercial vehicle insurance is a necessity if you want to properly protect your business. If you have an accident in a business vehicle or in a customer’s vehicle and you’re not covered, the costs could ultimately cripple your business – so it’s a worthwhile investment to make.

In the midst of running your business, however, you don’t want to invest more time than necessary getting the coverage you need. That’s why you should take advantage of the benefits that technology can offer and use a comparison tool. A comparison tool will take one application from you and turn it into multiple quotes from a broad range of insurers.

All you need to do is apply stating the kind of coverage you need – information such as the number of drivers you’re looking to cover, what kind of vehicles you will be driving in a commercial capacity, and how much mileage you expect to do. With that, you can get a wide selection of quotes and easily compare them to find the right one for your budget.

Get your business covered today

Motor trade insurance is a non-negotiable investment for any business that owns or operates vehicles in a commercial capacity – but that doesn’t mean you have to spend the earth. Find a fantastic deal by using Compare Insurance today.

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Car Insurance

5 key criteria used to determine your car insurance quote

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We all want the best car insurance price possible, but finding very cheap insurance companies isn’t always easy. What sort of factors do insurers take into account when they provide you with your quote?

1. The car’s value

Of course, a prime consideration is the vehicle’s value. An older, less valuable car will likely not cost so much money to repair, and the threshold for writing it off altogether will be lower. Many people fall into the trap of overvaluing their cars when searching for an insurance quote – be sure to get an independent valuation before you apply.

2. The vehicle’s engine size

Car insurance quotes are calculated based on your risk of having or being involved in an accident, or the likelihood of your vehicle being stolen. If you have a powerful, desirable car it’s going to be more of a target for car thieves, and you’re simply far more likely to lose control of it when driving – as such, they’re usually expensive to insure.

3. Where you keep the vehicle

Another key element of the quote is where the vehicle is stored overnight. If your vehicle is outside on the street, it’s far more likely to be broken into or damaged than a vehicle that is kept in a secured garage. Finding somewhere safe to put your car at night not only keeps it in better condition but will potentially make it cheaper to insure.

4. How many miles do you drive a year?

When you get your car insurance quote, you’ll be asked what your annual mileage is. Again this is to calculate the statistical odds of you being involved in an accident – if you’re on the road more, you’re more likely to be involved in an incident. So someone who does 2000 miles a year is much less likely to claim someone who does 10,000 miles.

5. Have you made a claim on your insurance before?

The so-called ‘no clams bonus’ can be a great way to save money on a quote, as it shows you have a proven record of safely driving as you haven’t needed to claim. The longer you don’t claim, the higher the bonus will be.

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Car Insurance

The easy way of avoiding being caught driving without insurance

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We all know how important it is to have proper car insurance before driving – driving without insurance is not only dangerous and illegal, but it could cost you considerably in fines, compensation, and court charges if you have an accident. It’s so easy and affordable to get yourself a car insurance policy, there’s really no excuse not to.

Find yourself the perfect deal with a comparison tool today.

How much time does it take to find car insurance online?

If you have a busy lifestyle, the last thing you want is to spend your time trudging from insurance company to company getting quotes – but with the internet, you don’t have to! Comparison tools exist to provide you a broad selection of insurance quotes at the touch of a button. You can get quotes from a range of insurance companies simply by making one application – and you can get those quotes virtually instantly. It simply couldn’t be easier to get the cover you need.

All you do is make your application, putting down your personal details, your vehicle’s details, the nature of your driving habits, and what level of cover you’re looking for. With that information the comparison tool will generate applicable quotes from many different insurance providers, so you can see who’ll save you the most money.

Find a car insurance quote that has been tailored for you

With your quotes generated, you’re free to browse at your leisure to determine which is the best quote for you. You might, for example, want to choose the cheapest insurance provider possible. Or you may prefer to go with a provider who offers you the most comprehensive level of coverage for the money – there’s no wrong answer.

The key is that you avoid the pitfalls of driving your vehicle without proper insurance. It’s illegal, it’s dangerous, and it’s so easily avoided by harnessing the power of modern technology. Finding a great car insurance quote can take as little as a few minutes, and all you have to do is use a specialist comparison tool.

If you need car insurance cover, get a range of affordable quotes from Compare Insurance today.

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Car Insurance Health Insurance

How can you find cheap insurance companies to provide you a quote?

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When it comes to finding the right insurance deal, whether it’s car insurance or the best medical insurance, you want to make sure you’re getting the best possible value. Finding cheap insurance companies to provide you with a quote that’s actually suitable for you can be easier said than done, however, which is why you need to think about looking online.

Using a comparison tool, you can find the perfect affordable insurance deal.

How does finding insurance online actually work?

The internet is a big place, so how do you actually go about finding the quotes you need? The answer is by using a dedicated comparison tool in order to narrow down the potential offers and leave you with those that are suitable for you. It’s a simple process, all you do is make an application online for the type of insurance coverage that you want.

With that, the application is presented to numerous insurance companies who will come back to you with their quotes. These quotes can be provided almost instantly, meaning you don’t have to put your life on hold while you wait. The quotes will be listed conveniently for you to decide which is the best – with that done, you can apply in moments!

Why do online insurance companies offer cheaper quotes?

So how do those online insurance companies save you money? It’s simple – it’s much cheaper to operate an online-only business than have to incur the costs associated with running a building too. That means they’re able to save money that they can pass on to you as a customer. Online insurance companies are also acutely aware of the competition that they’re in with each other to offer the best deals, so they are constantly monitoring their offers and adjusting them in order to remain competitive.

If you need an insurance quote that doesn’t skimp on coverage, but won’t break the bank, you’ll find it by going online and using a comparison tool. You can get quotes from a range of insurance companies, all of which are tailored to your needs and your budget – make your application with Compare Insurance today to see for yourself.

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Car Insurance

3 reasons you should get your insurance quotes online

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Finding the right insurance quotes for you can be difficult, but whether you’re looking for car insurance quotes, health insurance quotes, or indeed a quote for any other kind of insurance, there’s one way to find the best deal – doing it online. Finding car insurance quotes online can offer many benefits over the traditional ways, here are just three.

1. It’s cheaper

You can find cheaper insurance quotes online because online insurers don’t have to cover the costs that brick and mortar premises incur, and so they can pass those savings onto their clients. As such, you’ll find that broadly speaking online insurance quotes are much more affordable than you’ll find anywhere else, without needing to skimp on the coverage.

2. It’s faster

There are no delays when you apply online, all you need to do is make one simple application and let a comparison tool do all the hard work for you. Within minutes, often even less, you can get a host of quotes back from a broad range of insurance companies, allowing you to compare and contrast the right deals for you. No need to take time out of your busy day.

3. It’s easier

Every aspect of the process is easier and more convenient when you make your application online. You can fill in your application at a time to suit you, rather than just during business hours, and you can better track your quotes and your application. You’ll also have an online account, which will give you easy access to all your necessary details whenever you need them.

Find the right quote today

So, applying for any kind of insurance is better when you do it online – no matter how you look at it. But how do you find the right deal? It’s simple; by using a comparison tool. Using a comparison tool will allow you to find the cheapest and most comprehensive insurance coverage possible, making it easy for you to find the cover that best suits your lifestyle.

Whatever the insurance coverage you need, find your quotes easily and immediately today by using Compare Insurance.

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