How to save
shop around on the Internet you can get some pretty decent discounts on
insurance, but you have to be careful because the majority of websites that
offer so-called cheap insurance are not being completely honest because, let's
face it, in the end you only get what you pay for. There are however a number of
ways in which you can cut your insurance costs considerably.
First lesson is to shop around! Get as many courts as you can from reputable
insurers, making sure that the policies cover everything that you want to have
covered. Take a look at the excess that you prepared to pay. By paying a larger
access you can often reduce a quotation considerably. Make a habit of never
claiming for small amounts, because insurers just don't like this! You run the
risk of being marked down as a high risk client and your premiums will shoot up
Consider taking out both your car and home insurance policies with the same
company, many insurers will give you a decent discounts for this.
Don't be tempted to pay monthly! Lots of companies will offer a monthly pay
facility but they will always charge you extra for this and than it would often
be cheaper to pay for a year's insurance on your credit card and spread your
payments, rather than accept a diabolical interest rate from your insurer!
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insurance . Need to insure a car for a short time? You need
Check exactly what is covered and what is not in every policy. Many contain
benefits that you may not need; for instance a free courtesy car in the event of
an accident would not be much use to you if you already have a second car in the
Check up on how much mileage you actually cover in the year. You may be able to
get a price reduction if you're expected mileage is lower than average.
Finally, consider accepting a much larger excess; this is the amount of money
that you pay yourself towards the costs in the event of a claim. A substantial
voluntary excess could knock your premium down very considerably.
Once you've done all this please, please do not accept a quotation from a
company that you have never heard of, and certainly not from one that is based
abroad! No matter how careful driver you are accidents do happen and if you are
lucky enough to be involved in one the last thing on earth you want is to find
that your insurer can't, or won't, pay up! UK based companies are subject to
much heavier regulation than those in many other countries and if you find
yourself in dispute with your insurer it can prove very difficult indeed if the
company is not subject to UK legislation.