Car Insurance

If you’re looking to buy a new car then it is more than likely that you will also need motor insurance for this vehicle. Finding the right insurance company can be a challenging and time consuming process. We know how long it can take to hunt though lots of different insurance companies to find the best price.

This is why we have partnered with one of the leading comparison websites. By using Confused.com you will be able to compare all of the leading insurance companies in one easy to read comparison list.

*Based on Online independent research by Consumer Intelligence Research, February 2012. 98% could save on their car insurance. 10% could save up to £814.79. 55% could save up to £200.

Car Insurance Frequently Asked Questions (FAQ’s)

Need some help understanding the basics of car insurance? We have listed some of the most frequently asked questions that you will need to know the answers to before taking out an insurance policy:

Q. Do I need car insurance?

A. Absolutely! This is a legal requirement and is enforced by the police. If you are caught without insurance you are highly likely to face a fine and may even have your license suspended. Worst still, in the future your insurance premiums will be higher and in the long run you will pay far more for your car insurance.

Q. What affects my insurance premium?

A. Almost everything to do with your motoring history and your car will affect your motoring premium. Some things to consider are:

Your car choice:
The make and model, engine size, performance, desirability and after market add-ons will all affect the amount your pay for your insurance.

Your motoring history:
Your age, speeding fines, history of accidents, no claims bonus and the area you live in will all affect the amount your pay for your insurance.

Q. What is the easiest way to find insurance providers?

A. There are many businesses that offer car insurance. Some of them only offer it directly to consumers. Others will use partners and comparison sites to help compare prices. Sites such as Confused.com and Gocompare.com will display multiple insurance offers all in one easy to read comparison list. Sometimes you can beat these prices, but it will take a lot of effort and you the amount you actually save is likely to be very small. An example of a company that doesn't advertise on comparison sites is Directline.

Q. I am a young driver. Will I be able to find cheap insurance?

A. Unfortunately young drivers will find it much harder to find cheap insurance and will often have to pay far more than their elders. This is generally because they are seen as a higher risk to insurance companies as they have less experience at driving. There are various schemes that can be completed to help reduce the price of insurance such as Pass Plus. Not all insurance companies will take this into consideration though so make sure that company you are looking at does.

Q. What is the difference between 3rd party and fully comprehensive insurance?

A. Although all insurance policies will differ there are two main types of insurance policies:

3rd party fire and theft is the lower of the two policies and will only cover the driver if they are involved in an accident that isn’t their fault, the car is damaged due to an accidental fire, or the vehicle is stolen.

Fully comprehensive insurance covers you for all of the above, but it also covers you for accidents that are your fault.

Q. Will I be insured to drive other cars?

A. This will completely depend on your insurance policy. Some companies do insure you to drive other cars, but they will often only provide 3rd party insurance and only if you have a fully comprehensive policy. Other insurance companies will not insure you on any other car other than the one stated on your policy.

Q. What is the difference between excess and voluntary excess?

A. All insurance policies will have a set level of excess. Sometimes there will also be an option to add voluntary excess onto your policy as well. This means that if you have to make a claim on your insurance, then you will need to pay the excess and the voluntary excess before your claim will be paid.

The benefit of adding voluntary excess is that the cost of the premium will reduce as you are sharing more of the risk with the insurance company and showing them that you consider yourself to be a safe driver.