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Motor Variable

Getting The Best Car Insurance

Car insurance protects you and your family financially if you ever have a motor accident, be it your fault or not. In the UK, car insurance is a compulsory as well as a necessary expense. You need a good car insurance policy for the financial protection it will afford you in the event of an automobile accident.

Repairs to your own car after an accident, legal fees and liability for property will often not be covered by a bog-standard car insurance policy. Bolt-on niche insurance products such as inconvenience cover, gap insurance and even legal protection insurance can prove to be invaluable additions to your comprehensive car insurance to ensure an accident does not end up costing you more than you can afford should the worst happen.

Choosing the right car insurance product will protect you, your vehicle, and other parties in the long run. If you plan to drive, you must be able to prove that you have purchased car insurance. Your insurance company will cover you at a level determined by the type of policy you choose.

WHY YOU SHOULD SHOP AROUND FOR NEW CAR INSURANCE

Shopping around for car insurance is very important for several reasons: • You may find better quotes • Depreciation will affect the value of your car • You may have a change in circumstances • Car financing could put you and the car in a higher risk category • You may be able to cover the loss of personal goods • Some insurers may include breakdown cover • You may find an insurer offering inclusive legal cover • You could find a policy which includes cover for a second car • You may be offered an introductory discount

Just because you have used the same insurance company or insurance broker for several years, does not mean you are getting the best deal. It doesn't always follow that the same company or broker can offer you the best deal for your insurance.

A good insurance broker is most likely to get you the best coverage if they manage your full insurance portfolio as they then know your history and needs. This is also the case with car insurance as they can often consolidate your insurance needs into an all inclusive package which most insurance companies only make available to brokers.

Your car will depreciate in value according to both age and usage. Car depreciation starts as soon as you drive it away from the car dealership. For every year that you own a car it will decrease in value. You should therefore insure accordingly by adjusting your car's declared value at renewal time. This is an obvious statement but can be surprisingly often forgotten. Check the value of your car against its blue book value rather than the price you paid - your broker can do this for you. This is because even fully comprehensive policies will only cover a vehicle to its blue book value rather than it's purchase price. So ensure you are as accurate as possible when declaring the car's value. The more expensive a car is the more it can cost to insure. The exceptions to this rule may be when an insurance company offers to replace your car in the case of the accident for the exact same car or new car of same specification, but this is rare and the chances are that this will not be the case. There is however an insurance product called Vehicle Replacement Insurance which does just that! To find out more about how Vehicle Replacement Insurance works click on the link.

Your car insurance could be affected if your circumstances have changed since your last renewal. Perhaps you do not drive as far or often as you did, or perhaps your children have grown and want the keys to the car. Get insured accordingly. If you drive fewer miles your insurance company will recognise the decreased risk and your premium will be reduced accordingly.Adding additional drivers is not as expensive as you would think; a great tip here is to wait until renewal time if possible. Adding additional drivers mid-year often incurs administration fees which could be avoided if done at inception or renewal time.

WHICH LEVEL OF CAR INSURANCE IS THE BEST CHOICE?

There are three types of vehicle insurance in the UK.

1. In many countries including the UK, Third Party Insurance is mandatory. It provides coverage to any third party involved in an accident with the insured vehicle including passengers. This type of insurance covers your liabilities in the event of damage to another vehicle or person in an accident. Third party insurance will not cover any damage inflicted on your own car or to your person. This type of insurance will not cover repairs to your vehicle.

2. Third Party, Fire and Theft Insurance will cover the benefits of third party insurance and includes any financial loss to the insured vehicle caused by fire or theft. The average driver may find this the best type of cover, especially for a vehicle which doesn't have a very high market value. A leased or financed vehicle will require a fully comprehensive insurance cover.

3. The widest coverage is provided by a Fully Comprehensive insurance policy - or "fully comp". It provides the basic insurance of third party, fire and theft and covers damage to the insured vehicle and any bodily injury suffered by the policyholder in an auto accident. If your car is worth more than you could afford to replace it, then you should opt for a fully comprehensive insurance policy. Search online for products like Vehicle Replacement Gap insurance or Finance Gap - these will close the gap between what your payout would be and the cost of buying a new car in the event of an insurance write-off.

There are lots of factors affecting car insurance and most insurers offer secondary products which can meet any specialised needs of the policyholder.

FACTORS AFFECTING CAR INSURANCE

1. The Policyholder• Age of the policyholder • Men are considered higher risk than ladies • Your marital status • Your postcode is a factor • How big the car is • How much your car will cost to replace • Any modifications that have been made to the vehicle by its owner

A younger less experienced driver will pay a higher insurance premium than someone with several years driving experience.

A married person is considered more responsible for their actions than a person is with no commitments. It stands to reason that married men with kids have more responsibilities than single men and the insurance companies therefore consider married men a lower risk category.

The location or area of residence can have a massive effect on insurance premiums. Motorists living in rural locations and in areas with a low crime rate are more likely to get a lower insurance premium than those living in cities.

A powerful car is more likely to lose control at the hands of younger drivers: expensive cars cost a lot to replace if scrapped and should they simply require repairs the sum of the replacement parts often costs more than the used car’s value, making more powerful cars very expensive to ensure.

Modifications are more likely to alter the vehicles safety; performance is improved, and handling may be compromised making the vehicle more unpredictable. These factors translate to increased risk for insurance purposes, and premiums will increase as a result.

2. Driver History • Years of driving experience • Claims made in previous years • If you have points on your licence • Annual mileage

The number of years a person has been driving suggests their understanding of the rules of the road, shows the driver has built up experience of driving under varied driving conditions and has attained a certain level of confidence while behind the wheel. The number of insurance claims made in the previous five years will either confirm or deny these assumptions. Most driving convictions negatively affect motor insurance premiums for drivers. Most parking violations are not taken in to account.

Annual mileage is a factor too. The risk of having an accident increases the longer a vehicle is on the road.

3. Vehicle History • Current vehicle value • Owned, leased or financed • Vehicle make and model • Engine size and performance • Modifications to the vehicle

If the vehicle has a low book value, it may not seem to be cost effective to pay for comprehensive insurance; however this is not necessarily the case. If the named driver has several years no claims then fully comprehensive insurance could actually cost the same as third party fire and theft cover, but with additional perks such as windscreen cover and legal assistance etc. Many online insurance buyers find that for just a small premium increase, many additional benefits can be included. It is mandatory for a leased or financed vehicles to have fully comprehensive insurance. The leasing or finance company will require reimbursement from the policyholder for damage to the car. Comprehensive insurance will cover this.

There may be other benefits included in your car insurance policy, which are not always necessary but sometimes advisable:

• Breakdown insurance • Courtesy car included • Roadside assistance • Help with legal fees and advice • Cover for your windscreen • NCD protection • Compulsory or voluntary deductible amount

Choosing the correct insurance and getting the best quote can be daunting as there are so many variables to consider. Good websites make it easy to get quotes with little aggravation. It is a good idea to consider using an insurance aggregator website to get started. Online insurance aggregator websites are generally very easy to use. You'll only need to fill out one questionnaire so that the market can be searched on your behalf. After the site has collected the quotes, you can then compare different policies, as well as being able to save your quote, amend your requirements if necessary and if you are happy you can then buy online. Before you buy online, call your broker to see if you can get a better deal based on your findings. Remember that you need to compare quotes on a like-for-like basis. It is not always a quick and easy task. Good luck on finding the best policy for your needs.