What should I be aware of when comparing a car insurance quote?
When you are deciding on a car insurance policy it is important to get a car insurance quote from different insurance providers so you can get the possible deal for yourself. There are various websites that can help with this process by giving you a direct comparison of insurance policy quotes from different insurance companies. You should note that the majority of these websites will not compare all insurance companies and may only compare a subset that have some sort of deal or agreement to appear on their website.
Once you have a set of insurance quotes in front of you, you should determine what features are most important to you in an insurance policy. Make sure that you are aware of the possible tradeoffs from choosing the policy with the lowest premiums for example. In the UK and in Ireland, there are a set of minimum requirements for motor vehicle insurance that need to be met and one of these requirements is that the policy will have third-party coverage. This is where a person who is not at-fault for an accident that you have been in can claim from your insurance provider.
What type of car insurance quote do I need?
Depending on your circumstances you may ned a higher level of insurance cover for your motor vehicle. A highly comprehensive insurance policy will be needed if you have received a new business car that was bought using a finance package as opposed to an older car that is rarely driven.
If you need insurance for a work vehicle then choosing between policies can become complicated as you will need something different than the standard vehicle insurance policy. Also, there are many factors that will change the type of cover that is needed such as the contents of the vehicle, drivers and passengers of the vehicle, activities that the vehicle is used for and the type of vehicle. All of these factors will help the insurance provider decide whether your work vehicle is classed as a business or commercial vehicle and this will affect the type of cover that you need.
If you receive a car insurance quote for compensation that you are not happy with then contact Accident Advice Helpline to receive legal advice.
You can contact them by calling 0800 689 0500 / 0333 500 0993
Date Published: 14th June 2014
Author: David Brown