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Getting the Best Deal on Car Insurance

Learn how to find affordable car insurance without compromising on coverage.

Types of Car Insurance

Third Party Only

The minimum legal requirement. Covers damage to other vehicles and property, but not your own car.

Coverage Includes

  • Damage to other vehicles
  • Property damage
  • Injury to others

Limitations

  • No cover for your car
  • No theft protection
  • No fire damage cover

Best for: Older cars with low value

Third Party, Fire & Theft

Includes third party coverage plus protection against fire damage and theft of your vehicle.

Coverage Includes

  • All Third Party coverage
  • Fire damage
  • Theft of vehicle
  • Attempted theft damage

Limitations

  • No accidental damage cover
  • No personal injury cover
  • Limited additional benefits

Best for: Budget-conscious drivers with moderate value cars

Comprehensive

The highest level of protection, covering your car, other vehicles, and additional benefits.

Coverage Includes

  • All TPFT coverage
  • Accidental damage
  • Personal injury
  • Windscreen cover
  • Personal belongings

Limitations

  • Higher premiums
  • Excess payments
  • Some exclusions apply

Best for: New or valuable cars and risk-averse drivers

Factors Affecting Premiums

Vehicle Type

Car make, model, value, and performance affect premiums. More expensive or powerful cars typically cost more to insure.

Choose a car in a lower insurance group
Consider engine size and value
Research insurance costs before buying

Driver Profile

Age, experience, and claims history significantly impact premiums. Young or inexperienced drivers face higher costs.

Build no-claims bonus
Consider advanced driving courses
Maintain a clean driving record

Usage Patterns

Annual mileage, parking location, and vehicle use (personal/business) affect insurance costs.

Be accurate with mileage estimates
Use secure overnight parking
Consider usage-based insurance

Security Features

Vehicle security measures can reduce premiums by lowering theft risk.

Install approved alarms/immobilizers
Use tracking devices
Park in secure locations

Money-Saving Tips

Compare Multiple Quotes

Don't accept your first quote or auto-renew. Compare prices from multiple insurers and brokers.

Adjust Your Excess

Increasing your voluntary excess can lower premiums, but ensure you can afford to pay it if needed.

Pay Annually

Monthly payments often include interest charges. Pay annually if possible to save money.

Add a Named Driver

Adding an experienced driver can reduce premiums for young drivers, but be honest about main driver status.

Review Coverage Annually

As your car ages, you might not need comprehensive coverage. Review and adjust as needed.

Need Advice?

Our team can help you understand insurance requirements and find the best coverage.

Contact Us

Value Your Car

Get an accurate valuation to help determine appropriate insurance coverage.

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View our selection of cars with insurance group ratings.

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