Finding the best car insurance policy is an individual thing, after all what is important and necessary for one person may not be to the liking of another. Therefore, it is important that you ask yourself what you really need from a policy.
Firstly, you need to consider what type of motor insurance you require, do you need fully comprehensive or will third party, fire and theft suffice? You may have always had fully comprehensive but with some cars as they age, their depreciation does not make it financially variable to continue with that level of cover. However, if your car is old enough to be classed as a classic, then there are insurance policies tailored for the specialist car that maybe of interest to you.
Then you need to consider other elements, which go to make up the policy contents. For example, how much excess are you willing to pay in the event of an accident, the higher the excess amount the lower your premium. In addition, the number of optional extras you wish to include in your policy, like the availability of a courtesy car when your own is away being repaired after an accident, or the inclusion of legal expenses which maybe important to you.
Whom you are and what you plan to do with your vehicle are all important considerations when seeking the best car insurance for you. It is important to assess accurately the annual mileage you drive in your car and whether you use your car for just pleasure or for commuting as well. Some insurers consider certain types of drivers to be of a lower insurance risk than others and cater their policies for that section of the market. Drivers over fifty years of age can often enjoy reduced premiums for this reason. However, most providers set a maximum age to which car insurance is available; then seeking a specialist insurer that caters for that niche of the market is required.
If you have any No Claims Discount (NCD) built up during your previous car insurance policies, would you require that protected. Drivers’ NCD can yield a high percentage discount off the total price, which could prove worthwhile having its protection included in your policy. It is noted that some insurers will offer this protection even if you have made a claim or had an accident within the past five years. However, this protection is often built into the end price. Therefore, you really need weigh up its benefits and determine if this is the best car insurance for you.
It maybe shrewd to consider obtaining your car insurance from the insurance provider of another type of policy you have, like house insurance. A significant discount could be achieved by doing this. However, just because you have been with one company for years does not necessarily mean that they will give you a good price to reward your loyalty. That is when using a specialist car insurance broker could help you obtain the best car insurance policy to meet you needs.
About the Author:
David Thomson is Chief Executive of BestDealInsurance (www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.
Sun, 09 Mar 2008 03:48:20 - 100%
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