Tips on How to Choose Car Insurance [2022]

September 27, 2022

Introduction

When it comes to car insurance, there are many things to consider. What type of cover do you need? What’s the excess? How much can you afford to pay each month? And how do you find the best deal for your needs?

In this article, we’ll provide some tips on how to choose the right car insurance for you.

Why Do You Need Car Insurance?

If you’re looking to buy any car in the UK, it’s important to remember that you will need car insurance.

In the UK, it is a legal requirement to have car insurance if you own and drive a vehicle. This is because, without insurance, you would be liable for any damage or injury caused if you had an accident. Even if the accident wasn’t your fault, you would still be responsible for the cost of repairs or medical bills.

Car insurance protects you from having to pay these costs yourself and means that you won’t be left out of pocket if something happens. It also provides peace of mind in knowing that you are covered should the worst happen.

So, whether you’re a new driver or have been driving for years, make sure you have the right level of cover in place – it could save you a lot of money in the long run.

The Different Types of Car Insurances Available

There are three main types of car insurance available in the UK:

Third-Party Only
Third Party, Fire and Theft
Comprehensive

Third-Party Only

Third Party Only is the most basic level of cover and will only protect you if you cause damage to another person, their vehicle or property. It does not cover you for any damage to your own vehicle.

This is the minimum level of cover required by law, so if you’re on a budget, this could be the option for you. However, it’s important to remember that if you have an accident, you will be responsible for the cost of repairs to your own vehicle.

Third Party, Fire and Theft

Third Party, Fire and Theft is a step up from Third Party Only, it covers other people but doesn’t cover your own vehicle damage. However, it does provide cover if your vehicle is stolen or damaged by fire.

This type of insurance can be a good option if you live in an area where your car is at risk of being stolen or damaged.

Fully-Comprehensive

Comprehensive is the highest level of cover available and will protect you, your passengers and your vehicle in the event of an accident. It also covers you for any damage caused by fire, theft or vandalism.

It also includes medical expenses and legal cover as standard. This is the most expensive option but could save you a lot of money if you have an accident.

If you have a newer car or are worried about the cost of repairs, then this could be the best option for you. However, it’s worth noting that comprehensive coverage can be more expensive than the other options.

Choosing the Right Car Insurance for You

Now you know the different types of car insurance available, it’s time to start thinking about which one is right for you. Here are some things to consider:

The level of cover you need: Remember, the minimum level of cover required by law is Third Party Only.

The excess you’re willing to pay: The excess is the amount you’ll need to pay towards any claims. A higher excess will mean a lower premium, but make sure you can afford to pay the excess if you do have an accident.

The Price: compare prices between different providers to find the best deal for you.

Extras such as breakdown cover: Some policies will include extras such as breakdown cover, so make sure you check what’s included.

By taking the time to think about your needs and compare different policies, you can be sure to find the best car insurance for you.

Best Car Insurance Companies in the UK

There are many different car insurance companies operating in the UK, so it’s important to compare them before you buy. Some of the best-known companies include:

Admiral
Aviva
Churchill
Direct Line
Hastings

When comparing policies, make sure you consider the cover they offer, the excess you’ll need to pay and the price. You can then be sure you’re getting the best deal for your needs.

How to Get the Cheapest Car Insurance?

There are a few things you can do to help get cheap car insurance:

Look for discounts: Many insurers offer discounts for things like having a clean driving record or installing a security system in your car.

Shop around: Compare prices between different insurers to make sure you’re getting the best deal.

Increase your excess: A higher excess will mean a lower premium, but make sure you can afford to pay the excess if you do have an accident.

Consider Third Party Only cover: This is the minimum level of cover required by law, so it can be a cheaper option. However, remember that you will be responsible for the cost of repairs to your own vehicle if you have an accident.

By following these tips, you can be sure to get the best possible deal on your car insurance.