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How To Get Very Cheap Car Insurance In The UK

VERY CHEAP CAR INSURANCE – You could save BIG by comparing over 100 car insurance providers FAST to get instant quotes from some really cheap motor insurers! With no TV advertisement’s we get to pass on the BIG savings to the YOU. Save TIME and MONEY with the FAST and SIMPLE car insurance comparison service!

Very cheap car insurance is not only real, it’s very much attainable.  However, what would bring the price down for one driver might not work for another.  If you want to discover the best strategies for reducing your premium, then read on because we are about to share with you some of the best methods that could help you get that more affordable car insurance you have been searching for.

 Very Cheap Car Insurance – What you can’t control

• Previous claims –  If you don’t make any claims, then car insurers reward you with a no claims discount, which accumulates over time.  This would typically bring down your premiums.
• Your current age – According to the RAC Foundation.  If your a young driver, unfortunately, the sad fact is that you’re statically more likely to have an accident due to inexperience. This pushes up premiums resulting in not so low priced car insurance.
• Your past driving record – If you have had any driving convictions or points added to your licence, you will be considered a higher risk for future insurance. This will have a negative impact on your premiums.

Very Cheap Motor Insurance – What you can control

• The level of cover – You would normally get really affordable car insurance cover with third party only insurance. Your next cheapest would be third party, fire and theft; followed by fully comprehensive being the most expensive.  However before you opt for this lower level of coverage in an effort to reduce your premium, it is worthwhile also to try to get a quote for comprehensive. Surprisingly, we have actually managed to get lower or the same premiums for fully comprehensive when compared to third party fire and theft during some of our tests.
• Your car insurance access – Paying a higher access will push down your insurance in most circumstances and you usually have a compulsory access with most quotations.  However you can opt to pay a voluntary access, which will drive your upfront costs down.  The downside is that you will have more out of pocket money to pay if you should have to make a claim.
• Car security systems – Most modern cars come with some form of factory-fitted alarm or immobilizer. However most of the very low priced car insurance companies will give you additional discounts for higher tech systems, such as Thatcham approved alarms or immobilizers.

Very Cheap Motor Insurance – Other factors that affect your premium

• Postcode – If you live in an area with a typically higher level of crime, above the national average, chances are that due to this factor, your car insurance will also be higher than average.
• Parking –  If you do have the ability to park in a driveway or garage, as opposed to roadside parking, this will have a positive effect which will usually result in very cheap car insurance premiums.
• Mileage – Try not to wildly overestimate your mileage as this will have a detrimental effect and your insurance premiums will end up higher as a result.

When going after very low priced car insurance, you need to find possible policies as if looking at it from an insurer’s perspective.  When an insurer looks at the details you have passed on to them, they weigh up the potential risk to themselves of having to pay out on a claim.

What About Special Offers?

From time to time many of the budget priced car insurance companies will slash the price of their policies for short duration’s.  When these promotions will be presented to you is anyone’s guess and the chances of it coming around at the right time are slim at best. To benefit from the maximum amount of discount you really need to start looking for your next car insurance policy no later than about two weeks before your intended policy start date.  This is best done using a good comparison site such as the one you’re on right now.  Because you are shopping for your very reasonable car insurance well in advance, insurers know that many things can happen between the time you have your quote and the time of your policy start date, so they are going to try harder to keep you on side by giving you the cheapest car insurance quote possible.

Very Cheap Motor Insurance – Are You Picking The Right Insurer?

Beware of some car insurers out there that are offering really inexpensive car insurance, as some of these very cheap car insurance companies are registered overseas in countries such as Gibraltar. What you have to take in to consideration is that if you ever have to make a claim; you might have some trouble getting a settlement on that claim if these overseas insurance companies prove to be difficult.  When you deal with UK insurers you will be dealing with insurers that are registered in the UK and are therefore regulated by the Financial Conduct Authority (formerly the Financial Services Authority), which means that you may get some redress should one of the insurers go bump. The UK insurance Ombudsman Scheme is an additional protection which can be used should you have trouble with UK insurers.

Cheap Car Insurance UK – Check Your Renewal Quotation Every Year

Every year a few weeks before your car insurance is due to expire you will receive a renewal quotation, usually with a letter that tells you that you don’t need to do anything as your policy will be automatically renewed and your payment will be taken by direct debit, if you have set this up previously. They may ask you to call them to renew your policy so that you can make a payment if you don’t have direct debit set up.  Whatever you do, don’t think that because they offered you a great deal one year, that they will do it continuously year after year. This is absolutely not the case.  Some very cheap car insurance companies will creep up their premiums year after year, relying on the insured being either to busy, or to lazy to check out what other insurers have to offer them.  Always come back to a comparison site to see what the latest deals are. Almost every time you will get yourself a better deal. My advice would be to don’t give that company a second chance by allowing them to match your new best quote. Keep them on their toes by just taking out your new policy.  If more people were to do this then perhaps in the future more very cheap motor insurance companies will try a little harder to keep loyal customers , by truly giving them their best very cheap car insurance prices they can at that time.

Really Cheap Motor Insurance – Be Sure You Read The Small Print!

Really cheap car insurance companies will find any excuse they can to make more money out of you. Whether that is because you have gone above your estimated mileage, moved to a different area or changed your vocation, your insurer will try to find a way to charge you more.  Sometimes this can be just a small fee for the administration costs of altering their records. Some very cheap car insurance providers will give you a better overall customer service and not charge you at all.  You typically never know until that time comes that you have to tell them about a change of circumstances.  If you don’t inform them for whatever reason, either you thought you would try your luck, or just plain forgot all about it, you may run into problems should you have to make a claim and it’s later proven that a critical factor was kept from the insurer.  Make sure you read your very cheap car insurance policy terms and conditions to be clear on your obligations.

Don’t Try To Cheat The System!

Some drivers can bend the true facts a little to try to drive their quotes down. What you need to know is that insurers will share information between one another, so be very aware of this when entering your details. You could get insurance declined if you have been blatantly deceptive on the facts you have given. Some insurers will check up on you and may cancel your policy if new facts arise.  Although bad, it’s certainly not as bad as companies that do these checks only at the time of a claim and then later tell you that they won’t be covering you for your claim due to inaccurate details on your policy. Be meticulous when it comes to your really cheap car insurance and you shouldn’t end up with any nasty surprises later on down the line. More information on very cheap car insurance policies and laws can be found on the Wikipedia website.  Follow the above guidelines, consider a few of the really cheap car insurance quotes presented and you will have a very good chance of finding very cheap car insurance in the UK.