Mar 22 2012 Advertisement Feature
Be it for drivers who have just passed their test looking to buy car insurance for the first time or more experienced drivers looking to renew their car insurance, buying car insurance can be a confusing and complicated process. The most obvious dilemma for drivers is where to find car insurance quotes, and which insurance companies to trust. Weve all heard the nightmare stories of people who have bought car insurance from a company claiming to be reputable, only to find out when they make a claim that they had been ripped-off by a dodgy insurance company. A lot of car owners therefore want a cheap and comprehensive insurance cover, with the safety and peace of mind to know that this has been provided by a reputable company who will pay out if a genuine claim is made.
Traditionally most people used independent insurance brokers as the way to buy their car insurance UK, but this option is no longer a popular choice. UK car insurance brokers are declining in number because of the cost of rent they pay on on the high street, but also because people are sceptical about dealing with agents who may not be as trustworthy as desired. Nobody wants to get ripped off by a cowboy insurance broker who will disappear when you try to make a claim. Fortunately for you, UK car insurance price comparison websites, postal services, and hotlines have been created to give car owners the chance to compare many different car insurance UK quotes by giving just a few small pieces of information. These services tend to require details of the car being insured, as well as information about the driver who is insuring/driving the car. You can give this information to one price comparison service, and then theyll compare up to 100 different UK car insurance quotes to give you the deal that best fits your needs. The best thing is that these services are offered from the comfort of your arm chair, so that instead of hunting out the best deals on the high street, you can just click a few buttons, and all the UK car insurance quotes you need are available at your fingertips.
The car insurance comparison services will ask you a set of simple questions starting with the registration number of the vehicle in question, and the previous ownership information of the car. This is so insurers know roughly the state of the car. They can then guarantee that it hasnt been dramatically altered since it was built. The comparators will then need details about the driver of the car, and their prior driving history. In particular most companies will need to know about any previous car insurance UK claims that have been made by the driver, and also about any past driving offences. You will also be offered a choice of excess required in order to claim. A minimum excess which is the minimum amount the claimant will have to pay in order to claim will be offered, along with the option of making this excess higher than the minimum. The costlier the excess, the less risk to the insurer. Higher excess payments will lower the cost of the insurance to the driver. Buying UK car insurance has never been easier or faster so dont hesitate; get a car insurance quote today!