NHS Staff Car Insurance Comparison
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Car Insurance Comparison, you are obligated by law to get covered by car or motor insurance. Motor 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 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 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.
Factors affecting the cost of NHS Staff Car Insurance
Vehicle Type – 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
Age – 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.
Occupation – Your jobs could also increase your car insurance premiums. Chefs and journalists are known to incur more cost.
Driving history – 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.
Location – 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.
NHS Staff Car Insurance FAQs
Types of Car Insurance Cover
Third Party Insurance
Is the most basic type of motor insurance cover available. It is also the minimum legal requirement for any motor insurance. Third-party 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 motor 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 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.
I have a question about insurance that I have bought or a quote via mymoneycomparison.com. Who do I contact?
What are the different categories for use of a car?
Commuting covers you for driving to and from a permanent place of work, or to and from a place that you park your car on the way to work.
Business Use allows you to use the car for your job, such as driving to meetings, between different work places, to conferences or training courses.
Commercial Travelling gives you cover if your job involves daily travel to clients and prospects to make sales, look after clients, etc – most usually relevant to sales people.
What are the differences between cover types?
Third Party Fire and Theft covers fire damage and theft of your car and claims by third parties.
Comprehensive insurance covers accidental damage to your car, fire damage and theft, and claims by third parties.
How can I tell if my car is an import?
How can I keep my car insurance cost down?
Downsizing your car to a lower-grouped one, or one with lower engine power.
Fitting an alarm, tracking device or immobiliser.
Parking your car in a secure place overnight – preferably a locked garage.
Only adding additional drivers who regularly use the car. You can always add on occasional drivers at a later date.
Increasing your voluntary excess (the part of the claim that you pay voluntarily). This will be added to any compulsory excess that applies to your policy.
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What do I need to get started?
Car insurance additional information
Almost all car insurance policies have key exclusions and they will be explained in your policy documents. Ensure that you thoroughly read your 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 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 insurance company. It is calculated based on the details you’ve provided your insurer with at the point of choosing an insurance policy. It is normal to incur higher excesses when you are a young driver or with a high-value car. Cheap 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.
How do we get insurance products for you?
*51% of consumers could save £264 on their motor insurance.
The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances.
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