Motor Insurance Guide

It is a legal requirement in the UK to have a Motor Insurance policy when driving a vehicle on public roads. The Road Traffic Act states that all motorists must be insured against their liability for injuring other people (including passengers) and for damage to other people’s property resulting from the use of a vehicle on a British road. Below are a list of useful tips and information to getting a successful motor insurance suitable to you.

Alarm
Fit an approved alarm and immobiliser, such as a Thatcham 1 or Thatcham 2

Excess
Change the excess you are prepared to pay on any claim to reduce the premium.

Mileage
Check your mileage to make sure you are not paying extra for miles you are not covering in your car

Optional Extras
Only select to have a courtesy car or legal expenses if you really need them, as they may increase your premium

Parking Location
Keep your car parked in a locked garage overnight if you can - this can help reduce the premium

How to use the motor insurance price comparison

The system aims to shorten the time to search for a motor insurance quote by asking you a series short questions.

• Your vehicle registration and value
• Your name and date of birth
• The insurers require a VALID postcode and house name or number to get an indicative quote for you.
• It is essential that you enter a valid registration in order to get a valid quote.
• You are also asked questions on type of required cover, excess and what your current renewal price is - in order to calculate the amount of saving you could make.
• Finally you’re presented with a details page containing information such as excess, additional extras and optional extras along with their costs.

You also have the option to buy online as different insurers offer you percentage discounts when you purchase online.