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Featured Articles |
| Car
Insurance in a Nutshell |
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In the UK, and in most other
developed countries, it is illegal to drive an uninsured vehicle. The
cheapest type of insurance that you can get is called third party cover,
which only covers you for the cost of any damage done to other people or
their property if you are involved in an accident. The next cheapest
option is known as third party, fire and theft, which includes the
aforementioned third party cover alongside insurance against the loss of
your vehicle through theft or fire. Fully comprehensive is the most
expensive type of cover, as it will reimburse you for damages to your
vehicle and your person even if it is you who has caused the accident.
Several factors can influence the price of your car insurance premium.
Younger and more inexperienced drivers are classed as a higher risk by
the insurance companies, and are charged extra accordingly. The type of
car you are insuring can make a big difference to the size of your
insurance premium. As a general rule, small, non-powerful,
non-prestigious cars tend to be cheaper to insure than large, powerful,
and prestigious models.
Your home life can have a bearing on the cost of your car insurance, as
people who are married and/or have children are seen as being more
responsible, and are charged a lower premium as a result. Also, the area
in which you live is also a factor, as people who live in areas with
higher crime rates tend to have to pay higher premiums. Your gender can
make a difference too, as female drivers are seen as being safer and
less accident prone than men, and enjoy lower premiums as a direct
result. Non smokers can also look forward to a discount, as people have
been known to have accidents when lighting cigarettes at the wheel.
If you have driven for a number of years without having to claim on your
insurance, you will entitled to a substantial no claims discount, which
can often add up to more than the cost of making most small repairs
yourself. Insurance premiums can vary widely between different
companies, so by shopping around online, and switching providers on a
regular basis, you can make substantial savings on your car insurance
premium. Furthermore, some firms offer a hefty discount for buying
online. For example, Kwik Fit Insurance currently offer their customers
up to a 20% discount for buying online. Visit their site to find more
information on how buying online can bag you a
cheap car
insurance deal. |
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