How To Compare Car Insurance Quotes To Get The Cheapest Deal

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Motor insurers in the UK place a limit on the amount that they are liable for in the event of a claim by third parties against a legitimate policy. This can be explained in part by the Great Heck Rail Crash that cost the insurers over £22 million in compensation for the fatalities and damage to property caused by the actions of the insured driver of a motor vehicle that caused the disaster. No limit applies to claims from third parties for death or personal injury, however UK car insurance is now commonly limited to £20m for any claim or series of claims for loss of or damage to third party property caused by or arising out of one incident.

Did you know the average driver faces an annual insurance premium of £561, with drivers younger than 25 paying nearly £1,300 for cover? Here are our top 10 car insurance cost-cutting tips that can save you £100s. Your No Claims Discount proof must be in English, be less than 2 years old and show the no claims discount in years and the expiry date of the policy. It must show the name of the driver who earned the discount and they must be the regular driver on our policy. Third party insurance is not always cheaper than comprehensive and it may cost you more in the long run.

If you’re the generous sort, you can add other drivers to your policy – known as named drivers – and they’ll be covered to drive your car. Even if you’re not the generous sort, adding a second responsible driver can also help lower the cost of your cover. Usually yes – call us on 0800 316 1193 and ask to add a temporary additional vehicle (TAV). We’ll need to know all the details of the model.

The no-claims discount may often be transferred to a new insurance provider if a driver finds a better deal elsewhere. If you are involved in a motoring accident which is not your fault, we will cover up to £100,000 legal costs for a lawyer to pursue appropriate compensation from the driver who is to blame. We will also pay your legal costs should your claim not be successful. If your car’s lost or stolen, we’ll either pay to replace it or pay you cash up to its market value. You can make 2 claims during any 3 year period with no loss of NCD but your protection will be lost.

In order to compare car insurance online, it could be good to look at a number of different factors to get the best prices and the best level of coverage. A person could start by comparing like with like, as well as comparing different kinds of policies. For example, comparing third party policies from various insurers, and also comparing the different policy levels offered by the same insurer. Making the comparison this way may make it easy to see what the best deals are. Sometimes, depending on the car the driver’s personal circumstances, comprehensive cover might be almost as cheap as third party insurance.

Many simply get a quote for 10,000 miles per year; MoneySavers have reported that 5,000 brings the cheapest quote – but we haven’t tested this. If you use your car for business travel, always declare this rather than just including the business miles as personal trips, or the policy may be void. But what can you do about it? Read more details from our report to find out about how you could help to reduce your car insurance premium.

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When you call AA Claimline, your personal claim advisor will explain all the available options, and assist you through every step of the claims process. Then, once the incident report has been completed, you will be passed to either your insurer or ClaimFast (our preferred accident management company) to progress your claim. Choose to upgrade to our Platinum cover for just £85 a year and RAC will also provide you with European cover.

If you don’t have a job, you face a potential fivefold jump in insurance costs by declaring you’re unemployed. The same hikes don’t apply to homemakers (housewives/househusbands). If that’s you, say so to avoid a hike in costs. Legal Protection: will pay up to £100,000 costs of legal action as a result of a road traffic accident in the UK and Europe for only £18 per annum.

Compulsory Third Party Personal Injury (CTP) Insurance is linked to the registration of a vehicle. It is transferred when a vehicle already registered is sold. It covers the vehicle owner and any person who drives the vehicle against claims for liability in respect of the death or injury to people caused by the fault of the owner or driver, but not for damage. It covers the cost of all reasonable medical treatment for injuries received in the accident, loss of wages, cost of care services, and in some cases compensation for pain and suffering.

We’re authorised to help you compare car insurance by the Financial Conduct Authority (FCA) – an independent organisation set up by government to regulate financial services in the UK. The FCA promotes good business practice and fair financial markets – including the car insurance comparison market – to help consumers get a fair deal. It doesn’t matter if the policy holder or any additional drivers make a claim, the named driver will gain their own No Claims Bonus every year they don’t make a claim on your policy. Discount depends on individual circumstances and does not apply to optional extras. Minimum price applies.

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We pride ourselves on offering quality cover that’s great value for money. To explain how your insurance premium is worked out, we’ve put together a short guide. Virgin Money Car Insurance is promoted by Virgin Money Personal Financial Service Ltd and arranged and administered by Ageas Retail Limited. Car Insurance is underwritten by an insurer selected from a panel.

The average quoted premium for an annual comprehensive car insurance policy now stands at £671, an increase of 14% year-on-year. If your car’s damaged in an accident or through vandalism, we’ll arrange to have it fixed and guarantee the work for up to three years. If we can’t fix it, we’ll either pay to replace it or pay you cash up to its market value. Your home may well be your most valuable possession, so make sure you’ve got home insurance which will actually cover the things which are important.

We’ll give you our standard courtesy car to use whenever your car is with our approved repair network. For even more peace of mind, if your car is stolen or written off, you can rely on a courtesy car from us for up to 14 days. Terms, conditions and exclusions apply. Take a look at the RAC Breakdown Cover (PDF) for details of what is and isn’t covered.

Even if you’re only driving your car every now and then it must be insured. The Continuous Insurance Enforcement scheme, which came into force in January 2011, means all cars must be covered – unless they’re not in use and off the road. It aims to crack down on uninsured drivers by matching up the database of cars on the road with insured drivers. Special offers Looking for something extra? Take a look at the current exclusive deals and special offers.

Average prices are predicted to keep on rising throughout 2016 – by the end of March, the AA found prices were already 20pc higher compared to 12 months before – yet some insurers such as Aviva , LV , Nationwide and more give new quotes that are valid for 60 days. They let you get a quote two months before your existing insurer’s renewal is due, and keep that price, beating any possible future premium increases.

If you’ve been caught once for an offence such as speeding, it’s likely you’ll have three penalty points on your driving licence. However, one strike doesn’t change your risk profile. It’s when you reach four points or more that you should change the way you act. Our operators are on standby 24 hours a day, 7 days a week, alerting mobile units within minutes of your call. Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768.

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