Choosing Your Car Insurance Provider
When it comes to being happy with your car insurance provider, it is important that you are confident that you know what they are offering you when it comes to cover. The basic levels of cover available are third party, third party fire and theft, and fully comprehensive.
Third party pays out to another driver if you cause damage to their vehicle or injury to them. This is a low premium product, for obvious reasons and offers the most basic protection. Should you damage your vehicle or it gets stolen, for example, it will not be covered by the insurance.
Third party fire and theft covers the other driver for damage and injury but also covers you if your car is damaged by fire or if your car is stolen.
Fully comprehensive cover pretty much does what it says on the tin. It covers you comprehensively. This means that most eventualities are covered, and other aspects, such as windscreen damage and you being able to drive someone else’s car can also be taken care of. There are a large number of products out there that fall under this umbrella, with many companies offering variations on this particular cover. Investigate this carefully, and make sure you understand fully what the corer entails.
When it comes to your car insurance provider, it is worthwhile you becoming familiar with the little strategies that some motorists are using nowadays to help make their premiums less expensive. These include ensuring that your vehicle is kept to off the road at night, and preferably in a garage. Doing this will often cause your car insurance provider to reduce the premiums due to the car having a better level of security.
Basically, if you can make you and your car an attractive proposition when it comes to insurance, your provider should act accordingly and reduce your premium. So the above, plus other measures like not modifying your car, driving safely, taking the Pass Plus test to show that you are a more skilled driver than others, all of these will cause your car insurance provider to sit up and take notice, and hopefully offer you a set of premiums that won’t break the bank.
You can choose to pay more on your excess, too, and this should attract a lower premium.
If you are happy with your current car insurance provider, this does not mean that you should ignore the others at renewal time. Many people find that by shopping around, they can get a better deal on their motor insurance, even if their current insurer offers them a discount. So never be complacent – there are lots of good insurers out there and you being loyal to one is more often than not unrewarded.
Finally, when choosing your car insurance provider, look for one that has a telephone helpline and a step by step claims process all laid out on their website. This means that should you ever need to make a claim, it should be an easier process than, say dealing with a provider who can only be contacted via email.
David Thomson
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