Join the Drive for Quality Car Insurance

Article: Your car is probably one of your most expensive, or at the very least, beloved assets so it pays to insure it with a quality insurance company; one that appreciates your business and treats you with respect and as a valued customer, rather than just another sale.

Of course, as well as asset protection, it is also a legal obligation to be adequately insured before driving on UK roads. But, legislation is there to protect other road users not the driver of the vehicle. The type of insurance that adheres to the minimum legal requirement is third party only, but most people opt for third party with fire and theft cover, or buy fully comprehensive cover which also covers the owner’s vehicle.

Although there are three main types of car insurance there is still room for a massive variation in the cost of premiums depending upon the car owner’s individual circumstances. Age affects the amount of premium paid, as does driving experience and previous claims history, so different people will pay a different price for the same policy. In addition, the age and condition of the vehicle and where it is left overnight will also be taken into consideration when it comes to calculating the premium.

To be safe in the knowledge that the car insurance policy that you are considering buying is offered by a quality company check the number of awards it has received from independent evaluators. For example, Defaqto is an independent financial research company that evaluates insurance products based on a number of factors including how the product compares to its others in its category. A five-star award means that a car insurance policy offers the best you can get, offering more than similar products.

Often this is because - not only are premiums competitive - but a raft of extra benefits are also offered such as courtesy cars provided in the case of written-off vehicles, or cover for audio equipment and child seats contained within the vehicle. In addition to what’s available in the case of a claim, it is also important that you have access to your insurance company 24/7 as accidents don’t always happen during office hours Monday to Friday.

Finally, if you are looking to save money consider buying your car insurance policy online from a quality company that offers discounts for purchases over the web. Reductions of up to 10% are not uncommon and mean that you get over a month’s motoring for free!