In the dark about car insurance? You're not the only one!
Car insurance is a requirement for all British drivers, but many still feel they are in the dark when it comes to understanding exactly what their insurance covers - and how it can prove invaluable in the events of accidents or theft. Whether you're applying for your first car insurance quote or looking to get a better deal for your next renewal, understanding how car insurance is calculated is very important if you're looking to get the best cover.
If you've been surprised by the cost of car insurance, you need to consider the various factors that contribute to your quote. If you're a young driver, you will likely be paying higher premiums than older drivers due to your relative lack of experience, which increases your risk in the eyes of insurers. The type of vehicle you're insuring can also make a big difference, with some cars generally being cheaper to insure than others.
Some other factors are more directly under your control, such as your accidents and claims history. If you've been involved in road accidents that were not your fault, you can usually claim these on the insurance of the responsible party, which won't affect your no claims bonus, but you should also check whether your insurer takes into account repairs such as windscreen replacement when evaluating your no claims discount.
You also need to find out when your car insurance is due for renewal - typically 12 months after you first took out the insurance, depending on the arrangement you have with your insurer. One of the most commonly asked car insurance questions is whether drivers can transfer their insurance in the event of changing cars - in many cases they can, as simply contacting their insurer may be sufficient to transfer their insurance to the new vehicle. However, you may want to be prepared for your quote to increase if the new vehicle is very different to the one previously covered by your policy.
This can be especially the case when it comes to insuring specific types of cars, such as classic cars, which may need tailor-made policies and might not be covered by a standard insurance policy. If you're planning on using your car for racing events such as track days, you also won't be covered under standard car insurance.
Questions and Answers
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