Could you be wasting money on a car insurance cover you don't need?
Third party fire and theft and third party only policies were introduced for a very good reason. Not everyone needs comprehensive cover.
When completing your online car insurance quotes, consider the value of each level of cover available. If you have a low value car, then comprehensive may not be the right level of cover for you. If a vehicle is deemed uneconomical to repair (cost of repair would be over 60% of market value) then your vehicle will likely be written off.
If repair is available, by the time you pay your excess, you may be left wondering if there's any point considering your cars' value.
See what options are available, and consider all aspects carefully before making your decision.
Remember that to keep any online discount that you are given, you will most likely have to purchase the policy online, rather than over the phone.
Our full list of car insurance providers who provide online quotations can be found here.
- Buy online - the easiest and most obvious one! Most insurers offer some kind of incentive for you to buy online. Click here for over 30 online car insurers.
- Shop around - it's a free and very competitive market, so don't be afraid to shop around and see who can offer you the best service at the best price for you.
- Voluntary excess - by simply increasing your voluntary excess (the amount you agree to pay towards a claim) your insurer will likely reward you with a lower premium.
- Vehicle security - some insures will apply discounts for approved alarms, immobilisers or tracking devices on your vehicle. Check out the options while you are completing your car insurance quotes.
- Keep all your eggs in one basket - insurers like customer loyalty and will likely reward you for having multiple polices with them.
- No claims discount - you've earned it so try and keep it. NCD has a huge impact on your premium. Only claim if you really have to. A scratch is easily fixed by yourself or a friend and really shouldn't warrant a claim.
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