Car Insurance

Welcome to our web site about car insurance, our objective is to provide you with the most comprehensive collection of car insurance information available anywhere on the Internet.

In the UK, it is illegal to drive without car insurance. Although amazingly in a recent survey by whatcar.com a staggering 20% of respondents admitted to driving without insurance.

Uninsured drivers are a huge burden on all of us, they are estimated to cost an additional £30 per insurance premium, per law abiding driver. This amounts to an industry cost of £500m per year.

As a result, the government has recently announced a crack down on uninsured drivers. The tough measures being considered for law are:

• It will become an offence to own a car without having insurance, police and government agencies will use computers to release fines automatically.
• In the event of repeat offence or non payment of fines, it is proposed that the car is confiscated and crushed.
• New roadside cameras will be able to monitor and identify cars without insurance from their number plates, a trial of this new technology is already being rolled out in South England.

The benefits of these new measures will hopefully be a drop in car insurance costs.

Never say to yourself that because you are such a good driver you do not need to have insurance. You could be the best driver in the world, however that does not mean that all of the other driver’s sharing the road are, an accident can happen at any time. Regardless of whose fault it is, you will be breaking the law if you do not have adequate car insurance cover.

Lowering your car insurance costs

As the old saying goes, it certainly pays to shop around. This is even truer when it comes to buying car insurance or renewing an existing policy. We’ve detailed below our top tips for getting the most value for money when it comes to care insurance:

• Prices will vary depending on insurer, if you have the time (it will pay off in the end) try to get about 5 quotes for your insurance. It’s possible to receive a car insurance quote via the Internet or via their telephone line.
• Never automatically renew your insurance with your existing insurance company, research suggests that by shopping around at renewal time you can save as much as £112 on your car insurance.
• Consider increasing the voluntary excess you would pay should you have an accident, insurance companies often reduce the policy amount in these situations.
• Consider different types of car insurance companies. Some car insurance companies, specialise in the provision of certain type of insurance, for example driver’s under the age of 25 or women drivers.
• If you’re in the market for a new car, always check the insurance costs before completing your purchase.
• Negotiate a deal for including other forms of insurance with the same company, for example home contents or pet insurance.
• Purchase from a car insurance provider that sells direct to the consumer rather than through a broker. This will cut out the middle man and often give you additional savings.

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