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**According to Online independent study by Consumer Intelligence through February 2019 50% percent of consumers can save around £219.20 in their auto insurance policy premium.
Why do you need car insurance?
Motor insurance can give you cover if you should be involved in a car collision. It’s also a legal requirement for those who have or drive a vehicle, if you don’t announce the automobile offroad (SORN) and make sure it remains on property.
If you should be caught without insurance, then you might be fined no less than 300 and given six penalty points. If you wind up in court, then you may be awarded an infinite fine and benefit from driving.
What does car insurance cover?
If your car is involved in an accident, car insurance could provide cover for:
- injuries to you or other people
- damage to your car
- damage to another vehicle
- property damage
- Car insurance could also cover you if your car is damaged by fire, attempted theft, or if it’s stolen.
Not all policies offer the same cover, so always read the small print and make sure you’re happy with any exclusions or limitations.
What details do you need to get a car insurance quote?
To get a car insurance quote there are a few things you’ll need to tell us about.
- Your car – either your registration number or the car’s make, model and age. You’ll definitely need the registration number to buy a policy.
- How you use your car – for pleasure and commuting, or for business purposes too.
- No claims discount (NCD) – how many years you have (you’ll need proof from your current insurance provider if you’re switching to a different one).
- Your driving history – any accidents, insurance claims and driving convictions from the past five years. Be honest, or you could invalidate your car insurance policy.
- Additional drivers – details of any additional drivers you want to add to the policy.
You’ll also need to provide a few personal details: your name, how old you are, where you live and the type of job you do.
It stands to reason that in the event that you limit the period of time you are traveling, your insurer carrier might believe you a much reduce risk and therefore lower your premium. Your insurance carrier will ask the number of miles you drive average — it’s among the principal factors used to calculate your insurance premium.
Establish your mileage as little as you are able to , but you should be realistic. In the event you claim and your own insurance carrier finds your quote was not true, they can opt to not cover.