Every driver will have had their own experiences with car insurance, and will have different views on buying car insurance, making a claim and saving money on premiums.
At times, this can make getting car insurance advice difficult as there are so many conflicting opinions.
At times, this can make getting car insurance advice difficult as there are so many conflicting opinions.
Advice on buying car insurance
Although it is important to get an affordable policy, making sure you have the appropriate level of cover for your needs is more important.
You must ensure that all the information you give in relation to your policy is accurate to the best of your knowledge. If the motor insurance information you supply is in any way incorrect or misleading, you may find the insurance provider refusing to pay out in the event of a claim.
If you are going to be the main driver of the car, don't be tempted to have a more experienced driver 'front' the policy for you in a bid to get a cheaper quote. This all-too-common practice is illegal, and could leave you un-insured in the event of a claim.
Consider carefully what level of cover is most suitable for your needs, and choose a voluntary excess amount that you would genuinely be able to afford if you were forced to make a claim.
You must ensure that all the information you give in relation to your policy is accurate to the best of your knowledge. If the motor insurance information you supply is in any way incorrect or misleading, you may find the insurance provider refusing to pay out in the event of a claim.
If you are going to be the main driver of the car, don't be tempted to have a more experienced driver 'front' the policy for you in a bid to get a cheaper quote. This all-too-common practice is illegal, and could leave you un-insured in the event of a claim.
Consider carefully what level of cover is most suitable for your needs, and choose a voluntary excess amount that you would genuinely be able to afford if you were forced to make a claim.
Money-saving car insurance advice
The less experience you have behind the wheel, the more you are likely to have to pay for car insurance. Some good young drivers' car insurance advice is to add an older, more experienced driver to the policy to lower the price.
Installing security equipment that is approved by your insurer, such as an immobiliser, a steering wheel lock or a car alarm can sometimes bring your quotes down, as well as keeping the vehicle parked in a secure location, like a locked garage, overnight.
Increasing the amount of voluntary excess you are willing to pay in the event of a claim can help to lower your quotes to a certain extent, but you should only ever choose a genuinely affordable excess amount.
Carefully consider which optional extras you will actually need. For example, some bank accounts offer free breakdown cover - so there's no need to pay more on your premium for it if your bank already provides it for free.
Keeping modifications to a minimum, agreeing to a mileage limit with the insurer and paying the whole premium in one payment as opposed to monthly instalments are also things which might have a beneficial effect on your premium.
Try our comparison tool to quickly check if our car insurance advice can save you money on your premium.
Installing security equipment that is approved by your insurer, such as an immobiliser, a steering wheel lock or a car alarm can sometimes bring your quotes down, as well as keeping the vehicle parked in a secure location, like a locked garage, overnight.
Increasing the amount of voluntary excess you are willing to pay in the event of a claim can help to lower your quotes to a certain extent, but you should only ever choose a genuinely affordable excess amount.
Carefully consider which optional extras you will actually need. For example, some bank accounts offer free breakdown cover - so there's no need to pay more on your premium for it if your bank already provides it for free.
Keeping modifications to a minimum, agreeing to a mileage limit with the insurer and paying the whole premium in one payment as opposed to monthly instalments are also things which might have a beneficial effect on your premium.
Try our comparison tool to quickly check if our car insurance advice can save you money on your premium.
Advice on making a car insurance claim
Being involved in a car accident can be one of the most stressful situations you can find yourself in. For most of us, the process is completely new and can be confusing.
The first thing to do is to contact your insurance provider as soon as possible. Your policy documents should provide you with a number to call, and be sure to have your policy reference number to hand to help the insurer deal with claim efficiently.
Make as thorough a record of the accident as possible whilst it is still fresh in your mind. The shock of the collision will only make it harder to recall the details later on. Write down what happened from your perspective and if necessary; take some photographs of the scene and the damage caused.
Once you have given the insurance company all the details they need, they will send you some documents relating to the claim. Make sure you keep them in a safe place
The first thing to do is to contact your insurance provider as soon as possible. Your policy documents should provide you with a number to call, and be sure to have your policy reference number to hand to help the insurer deal with claim efficiently.
Make as thorough a record of the accident as possible whilst it is still fresh in your mind. The shock of the collision will only make it harder to recall the details later on. Write down what happened from your perspective and if necessary; take some photographs of the scene and the damage caused.
Once you have given the insurance company all the details they need, they will send you some documents relating to the claim. Make sure you keep them in a safe place
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