Car Insurance FAQs

What's the best way to get a cheap car insurance quote? Below you will find some useful tips and information on getting the best deal when it comes to cheap car insurance.

Q) Can I be sure that my personal information and credit card details will be secure when I buy car insurance online?

A) Most companies usually tell what level of security they use on their site (in the form of encryption technology and Secure Socket Layer - SSL). If this is clearly shown you can be sure that your transaction will be as safe as any credit card transaction over the telephone.

Q) Can I get car insurance for a modified or classic car?

A) This kind of car requires specialist cover to take into account the high price of replacement parts and skilled labour necessary if the car is involved in an accident. There are companies who offer this type of insurance with online application.

Q) Why do insurance premiums vary and how many quotes should I get to be sure of getting the best deal?

A) Insurance premiums vary because of the different methods used to rate certain risk factors such as age, model of car and where you live. Shopping around can mean saving up to £200 on a car insurance quote so it's definitely worth doing.

Q) How do I reduce my premiums?

A) Methods to reduce your premiums include garaging your car overnight rather than leaving it on the drive, fitting insurance approved anti-theft devices and opting for third party insurance rather than comprehensive car insurance - especially for older cars. You can also increase the excess which should help as well if you are a younger car driver.

Q) What is an 'excess'?

A) An excess is an amount you will have to pay if you need to make a claim for loss of or damage to your car. Where any accident or loss is your fault then the excess will have to be paid by you. If someone else causes the accident you may be able to reclaim the excess through the legal cover, which can be taken out with your car insurance policy.

Some car insurance policies allow you to increase the compulsory excess payable in the event of a claim in return for a lower annual premium.

Q) What is legal cover?

A) Legal cover provides the expertise and help required to recover uninsured losses such as medical costs, loss of earnings and excess payments where the fault was not yours. For a small additional sum this cover provides valuable peace of mind and essential legal advice.

Q) Will insurance companies give me credit for years of no claims driving on the company policy?

A) Providing you can supply documentary evidence from your employer that you have made no claims against their policy, most insurance companies will allow you to transfer this no claims discount to a private policy. Make sure you shop around and find an insurer that will allow you to do this.