eCar insurance is a legal requirement for any motorist who wishes to drive in the UK. Driving without valid insurance can result in some serious consequences, such as a fine and possibly a driving ban.
When comparing car insurance quotes its important to not just focus on the “cost” of the policy, but to take into consideration any added extras.
Typical extras include a courtesy car for when yours is off the road and any legal advice that may be required.
If on the other hand you do not require any extras, and simply want a policy that pays out when required then you will be able to save yourself a fair bit by not opting for any extras.
The size of your excess can also have quite a large bearing on the overall cost of the policy, with a higher excess resulting in lower costs but more of a payout on your behalf if you have to make a claim.
Its not just variations on the policy that affect its cost though, your personal circumstances are also taken into consideration.
For instance if you are under 25, you can expect to pay a considerable amount more than those over 25 would.
Another significant, yet often overlooked factor to car insurance policy pricing is the location of the car overnight. Insurers offer lower premiums for cars that are locked in a garage overnight, considering them to be less of a risk than if they where parked on the street.
Lastly, the details of the car that you’re going to be insured to drive will be used to get an accurate quote. Generally speaking, the newer and more expensive the car is, the more your insurance premium will be.
Liam is a UK author, currently focusing on car insurance. Compare cheap car insurance and motor insurance online today.
