You have probably seen any number of adverts for insurance companies and companies that compare insurance companies. There is a wide array of options and it can be very complicated. The simplest way to get the insurance cover that’s right for you is by asking one simple question: What do I need?
How to work out the cover that’s right for you
You need to consider what you want on a basic level. Legally, if you own a vehicle you need to get vehicle cover. However you do not necessarily have to get uninsured driver cover if you don’t want to. Conversely, it is still worth considering because if you are hit by an uninsured driver your premiums can go up.
Given that insurers calculate their premiums on risk it is worth doing the same for yourself. If you live in an area that is prone to flooding then you ought to prepare for that. This does not necessarily mean you prepare for every possible eventuality but it pays to be prepared for likely risks.
A common complaint is the cost of insurance, especially for younger drivers, and especially younger male drivers, although EU regulations may change that soon. What you may not know is that there are ways of reducing the cost. Safety features such as alarms and immobilisers will reduce premiums as they reduce the risk of someone breaking in and stealing your vehicle – the same principle by which adding a burglar alarm reduces your home insurance premium.
Another way is by paying an excess. This is where you agree to pay the cost of certain repairs. Remember you should only agree to an excess that you are prepared to pay or you run the risk of having to pay for repairs you can’t afford!Open Claim Calculator
Finally, remember to compare and always be on the look-out for a deal. Do not be afraid of contacting companies directly and seeing if you can negotiate a better one!
Accident Advice Helpline compensation advice
When people are involved in an accident they often call up their insurance company, unless they need urgent medical treatment which, of course, is the first priority.
The problem with this is that an insurance company is more likely to want to settle quickly and in some cases may even try to avoid paying out for agreed costs.
This is why it is worth contacting Accident Advice Helpline. As well as being able to help our clients get compensation, our helpful and friendly staff can guide you when it comes to making a claim.
With more than 13 years of experience we will do our utmost to ensure you get the compensation you deserve. Contact us today to find out more!