Insurance companies base their quotes on your individual circumstances. Under the Equality Act 2010, car insurance companies cannot increase the cost of a policy if a disability or medical condition does not affect the risk of making a claim. They can ask questions, or ask for written information about your medical condition to support your application. They might ask to see a copy of your driving licence or a letter from the DVLA confirming that you are allowed to drive under DVLA regulations.
Increase your voluntary excess. Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered.Beware being tempted to allow it to rise too high, however, especially if you have a lower value car. So why pay extra for a lower excess? A few insurers will substantially reduce premiums for a Â£1,000 excess, so try this when getting quotes. The downside of this is if you have a bigger claim you’ll have to shell out more, so take this into account.
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. Rated 4 out of 5 by Rowena from Good Insurance Good sevice and friendly efficient and helpful staff.
Comparison sites zip your details to a number of insurers’ and brokers’ websites to find the cheapest quotes. They don’t all compare the same sites, so it’s best to combine them. We’ve analysed the comparison sites to find the ones that produce the cheapest quotes. You only need to use Bell Plug & Drive for the first 3 months of your policy. We believe in taking the hassle out of black-box carÂ insurance. From 1968, those making deposits require the consent of the Minister for Transport to do so, with the sum specified by the Minister.
Police forces have the power to seize vehicles that do not have the necessary insurance in place, until the owner of the vehicle pays the fine and sign a new insurance policy. Driving without the necessary insurance for that vehicle is an offence that will be prosecuted by the police and will receive penalty ranging from 841 to 3,287 euro. Same provision is applied when the vehicle is standing on public road.
Up to 30% off for Nectar shoppers. 26% of Sainsbury’s car insurance customers with a Nectar card saved 30% between 1st August 2015 – 31st January 2016. Introductory discount, minimum premiums apply. Offer for new customers only. Insurers often try to sell you additional products such as windscreen or breakdown cover. Avoid buying these if you don’t need them and, if you do, always check out the cost of the cover individually first. Courtesy car – whilst your car is at one of our approved repairers (subject to availability and eligibility).
Whether you’re looking for comprehensive insurance, third party fire and theft, or third party only, and whether it’s for one car or multiple vehicles, our service makes it easy to find the product that you want, with the latest information from independent financial research and software company Defaqto available to ensure you know exactly what you’re getting from your purchase.
We offer four types of breakdown cover. All cover options will fix your car at the roadside if you are over a quarter of a mile away from home, or take you to a nearby garage. There are also no call-out or mileage charges. Nationwide Building Society acts as an Intermediary to Liverpool Victoria Insurance Company Limited for car Insurance. Go through the quote process and it’ll ask who owns the car. The quote you get will be based on this. This by no means translates to LV being the cheapest choice – but it’s very useful to get an idea of what you should be paying.
Being upfront about past claims and convictions is essential. Leaving something out by mistake will invalidate your policy. Check what’s on offer via comparison sites as insurers often have exclusive offers set up with them which you can’t get by going direct. There will normally be a cancellation fee of around Â£50 so your savings from switching should outweigh that to make it worth it – the longer you’ve got to go on your policy the more likely you’ll be better off switching to save. Telephone calls may be recorded for security purposes and monitored under our quality control procedures.
Another quick win is tweaking your job description (legitimately of course). An illustrator is often cheaper than an artist, an editor than a journalist, a PA than a secretary. We answer the frequently asked questions about car insurance, from getting a quote, reducing premiums and claims. So if you’ve ever stated your car is kept in a garage when it’s actually parked in the street, or if you’ve ever modified your motor and not told your insurer, you could find your cover being cancelled. Fast recovery : Following an accident we’ll be with you on average in less than 52 minutes to recover you and your car. We all want cheap car insurance, try us today and see how much money you could save on your insurance.
This is just a taste of the wide-ranging cover available. See the Details of Cover page for further information on our motor insurance products. A change in circumstances includes moving jobs, as insurers believe this can affect your risk. You may also save on insurance if you’re in a stable relationship – for instance, living with a partner rather than listed as single. Get your mileage right too. This is really important because if you overestimate, you’ll be paying for miles you don’t use.