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In almost every country, you are obligated by law to get a car insurance. A car insurance is required even if the car is not being used on the road. The only escape route from getting a car insurance is if it has been officially declared as ‘off the road’ and this can be achieved through the statutory off road notice (SORN) mechanism.
Since it is an important requirement, it will be a good idea to get cheap car insurance and we are fully dedicated to helping you compare cheap car insurance quotes. We are also going to walk you through the process and in no time you can compare car insurance online.
There are three different types of car insurance cover and they offer various levels of protection. The degree of insurance cover available depends on the cost; the higher the cost, the better the insurance cover for your car. This should, however, not make you fret. If you stick with our car insurance guide, you will get to compare cheap car insurance quotes which offer you comprehensive protection.
Types of Car Insurance Cover.
Third Party Car Insurance is the most basic type of car insurance cover available. It is also the minimum legal requirement for any car insurance. Third party car insurance covers any third party (including your passengers, vehicles and property). However, it does not cover damage to your own vehicle. This means that this car insurance does not cover you if you are at fault. However, you are innocent and the opposing party is at fault, you need to make a claim against the other driver’s car insurance policy.
There are several cheap third party insurance covers available and we will help you get cheap quotes instantly.
Third Party, Fire and Theft Car Insurance is a step up from cheap third-party car insurance. This car insurance cover offers protection for your vehicle in the event of theft, damage, and/or fire outbreak. This will be a very good car insurance to go for, however, like the third party car insurance, it doesn’t cover your costs if the accident was caused by you. Do you want to compare quotes for cheap TPFT insurance? We are here to provide you with cheap car insurance quotes instantly!
Fully Comprehensive Car Insurance is the best choice for 70% of road users. As the name implies, it covers everything a car insurance can cover. This might seem expensive, but when we help you compare insurance cover, you get the best cheap car insurance quotes. A cheap car insurance which protects you, your vehicle, your passengers and property is what we advise, and we ensure you get value for your money. Different car insurance brokers provide different levels of car insurance covers. Some policies offer you legal protection, breakdown and even windscreen cover, or a courtesy car while some don’t. This is why you need our services to give you a detailed cheap car insurance quotes instantly. To get the cheap car insurance quotes online, start the process here.
Factors Affecting Your Car Insurance Premium
It is important to consider many different factors when calculating your car insurance cover. These factors include:
If you have an expensive car or a high-performance vehicle, your car insurance cover will belong to a high insurance group and may have to pay more for your premium. Paying more, however does not translate to expensive. We can help you compare cheap car insurance quotes here
Younger drivers might find that their car insurance cover is higher than normal. This is because statistics show that they are more likely to make a claim. Are you a youth looking for cheap insurance cover online? You have come to the right place.
Your jobs could also increase your car insurance premiums. Chefs and journalists are known to incur more cost.
This is the rate at which you use your car. Car insurance brokers check your mileage and sometimes use this to estimate how much your car insurance costs. Your premium also increases if you frequently travel during busy periods.
Prior convictions can affect the price of your car insurance cover. If you are interested in saving cost, you should compare cheap car insurance quotes here.
If your area is one where the vehicle crime rate is high, your insurance cover might follow suit. In order to access your choices, you should compare cheap insurance quotes online and get the best policy for your house
Almost all car insurance policies have key exclusions and they will be explained in your policy documents. Ensure that you thoroughly read your car insurance policy documents to know what you’re not covered for before you choose your policy.
No Claims Bonus
This is a reward for people who do not make a claim on their car insurance policy. This is not to be mistaken with a ‘no blame’ bonus (if it exists). This means that whether an accident is caused by you or not, you lose your no claim bonus when you make a claim.
An excess is the amount you’re liable to pay towards a claim. It could be compulsory or voluntary.
Compulsory excess is fixed by your car insurance company. It is calculated based on the details you’ve provided your insurer with at the point of choosing a car insurance policy. It is normal to incur higher excesses when you are a young driver or with a high-value car. Cheap car insurance quotes are, however, available for you to compare and choose from.
Voluntary excess is the amount you choose to pay towards the cost of a claim. It can help you reduce the price of your insurance. It is also paid on top of any compulsory excess you have.