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If you own or have use of a car you’ll know just how useful they can be, indeed some people would be completely isolated without one. You may also know that having a valid insurance policy for that car is a mandatory legal requirement. So knowing exactly what car insurance is and why you need, it may help when factoring in the cost of the premium.
We know that there can be a lot of terminology to get through when researching insurance, that’s why we’ve laid out some of the more common questions customers have before buying car insurance. Once you’re ready, simply complete your details on the online form below to obtain and compare the quotations from multiple car insurance providers through the comparison tool powered by Quotezone.co.uk.
QuoteZone.co.uk is an online comparison service. startrescue.co.uk have selected QuoteZone.co.uk but do not offer any recommendations and/or advice, nor sell car insurance or any products available via the Quotezone.co.uk comparison tool. If by using the QuoteZone.co.uk comparison tool you find a suitable product which meets your demands and needs and you decide to proceed with an application, you will be dealing directly with the product provider. Any contract will be between you and the chosen provider and not startrescue.co.uk.
A car insurance policy can protect you if your car is stolen, vandalised, catches on fire or if you are involved in a car accident. A car insurance policy can also cover you against any damage you cause to the public, their property or other road users.
Valid car insurance is a legal requirement if you own and use a car that is not declared SORN. If you own a car and drive without insurance you could be liable to a fine of up to £1,000 or have your vehicle seized and destroyed.
There are three main levels of car insurance:
Third-party cover is the minimum level of cover that is required by law. The cover provided with third-party insurance is very basic as it only covers damaged caused to other people’s property and compensation or costs related to injuries sustained in an accident proven to be the fault of the covered driver.
This level of cover provides the policy holder with all the benefits of Third-Party only cover, but also protects against loss or damage if your car is stolen or damaged by fire.
This is the most complete level of car insurance policy available. Whereas third-party only and third-party fire and theft policies only cover damage to others as the result of an accident deemed your fault – comprehensive car insurance covers damage to your car too.
Fully comprehensive insurance also protects your car when fault cannot be proven. So if you experience a hit-and-run while away from your vehicle, you will be able to make a claim.
One of the best ways to get yourself a cheap car insurance quote is to compare the prices of many different providers, ensuring you also compare each company’s policy wording.
startrescue.co.uk’s comparison tool is powered by Quotezone who compare insurance quotes from over 90 top UK insurance providers!
Details of the car including any modifications.
Driving licence and convictions – the type of licence, how long you’ve had it, if you have accumulated any points or disqualifications over the last 5 years.
Previous claims or accidents – for any claims in the last 5 years we will need the date, claim cost and accident type.
No-claims bonus – if you do not know the details of your no-claims bonus you can contact your current insurance provider.
Details of any other drivers – other drivers’ names and licence details.
A no-claims bonus (NCB) or no-claims discount is a way for insurance companies to reward customers for not making a claim. It is essentially a count of the number of consecutive years you have not claimed and a discount is applied to the premium depending on that number.
If you make a claim on your policy and your insurer pays out you will lose some, if not all, of your NCB. However, if you are in an accident with another car and you are not at fault your no-claims bonus may not be affected.
If you need to get proof of your NCB you can contact your existing or previous insurance provider and they will supply the proof for you.
Reducing the cost of motoring is something that most car owners are keen to look at, with car insurance being no exception. Each year, when it is time to renew your policy, it almost always pays to try these simple tips to make your money stretch a little further.
If you can afford it, pay for your policy annually as this will reduce the administration costs needed for monthly payments.
A higher voluntary excess will invariably lower the premium price. But remember that you will need to pay this excess if you need to make a claim.
Devices such as alarms, immobilisers and wheel-locking nuts could have a positive effect on premiums as insurers consider a safer vehicle less risk.
The more mileage you do the higher the risk of an accident which will increase policy premiums. It could benefit you if you could reduce those miles.
No-claims discounts help shave off pounds from your premium. So it makes sense to build up the years and then protect the bonus that has accrued.
Fully comprehensive may be the highest level of cover, but it might be prudent to see if other cover levels bring the premium down. It is also worth considering which cover level will best suit your needs.
Drivers with experience may reduce the cost of your insurance. But adding multiple drivers and drivers under the age of 25 will likely increase the premium.
Some vehicles are insurance traps, in terms of demanding relatively high insurance costs. If you are looking to buy a new car, or simply change the car that you have, it is worth checking to see what affect the make and model has on insurance costs.
Modified cars tend to be more attractive to thieves and sometimes harder to fix which drives insurance costs up.
Don’t let your car insurance auto-renew and be trapped in an expensive policy that you were unaware of. Use a comparison website to compare costs of numerous suppliers, but remember to always look at like for like policies as insurance providers will differ with what they offer.
Comprehensive car insurance or fully comprehensive cover protects you from having to pay the full amount of claim, as well as protecting any third party in the event of an accident not deemed to be your fault.
Although comprehensive cover is the highest level of cover available, not all comprehensive cover is created equally. The below is a list of what might not be included in every fully comprehensive policy and may be offered as optional add-ons.
Child seat cover
Transport home after an accident
Breakdown cover – this may be an optional add-on, or you could take a look at an independent vehicle breakdown provider such as startrescue.co.uk
It used to be the case that if you had comprehensive car insurance you could drive any other insured car and be covered for third-party insurance. This, however, is no longer true and you should always check the terms of your car insurance before driving another car. If you are caught driving another person’s car without the adequate insurance in place, you could be stuck with a £300 fine and 6 penalty points.
If, after checking with your insurer, you’re not covered for driving another car there are a couple of things that you can do. You can arrange temporary car insurance if you know when you’ll be using the car. Or, if you need to drive another person’s car on a more regular basis you can be added as a named driver to their insurance policy.
Since the law of Continuous Insurance Enforcement (CIE) came to force in 2011 it has been illegal to own a car not declared SORN without it being insured. So even if you are not using it and it is sitting on your driveway or by the side of the road you will still need to have some level of insurance attached to it. If it doesn’t then you will be liable to pay a fine of up to £1,000 and possibly have the vehicle seized and destroyed!
If the vehicle is declared as SORN (Statutory Off Road Notification) you will not need to have valid insurance in place. You will need to register the vehicle as off road by completing a SORN application with the DVLA online, by post or over the phone.
Excess is a fixed amount that you will need to pay if you make a claim. There are two types of excess on a car insurance policy that you will be required to pay – compulsory and voluntary.
Compulsory excess is the amount that you will need to pay that has been applied to your policy and is set by your provider. Compulsory excess can differ depending on your circumstances and the type of car you drive.
Voluntary excess is the amount that you’re willing to pay and is set by you. If you increase your voluntary excess you are likely to bring down the cost of your premium. However, remember that you’ll have to pay this in the event of a claim.
If you set your voluntary excess to £150 and your compulsory excess is £200, you will need to pay a total of £350 excess. So if your claim is £2,500 you would be required to pay £350 with the insurer paying out the remaining £2,150.