Following the purchase of any type of motor vehicle there are several issues that must be dealt with before you can use it on the United Kingdom ’s road network. These include the car having a valid MOT certificate, for it to be taxed and for the car and it’s driver to have an ample amount of insurance to cover the outcome of an accident. As the speed and efficiency of service is paramount in today’s society with many requiring to have access to information concerning the policies available, and indeed to be able to apply and receive their policy quickly. This demand has in turn led to
insurers gaining the ability to deliver instant quotes whether online or on the telephone.
Almost all insurers will give an instant (or nearly instant) quote online. It is always worthwhile checking that these quotes are in some way guaranteed as there may be instances when they are not. Many insurance provider’s websites will also allow the customer to follow up the quote to the point of purchasing
the policy.
Whatever the method of acquiring your motor insurance the policies available do not vary hugely. The most basic cover available (and required by law) is what is known as ‘third-party’, covering any injury or damage to any third party’s person or property. Then comes the fairly self-explanatory ‘third-party, fire and theft’. Probably the most popular car insurance policy is known as ‘comprehensive’, as the name would suggest it covers a wide range of circumstances.
All across the board insurers use pretty much the same criteria to determine the premium that is offered to the customer. Amongst the most important of these are the individual(s) concerned age, driving experience (i.e. length of licence holding, any past convictions etc.), no-claims history as well as the vehicle’s details and garage postcode.
There are also several methods of reducing your premium to a more affordable level. You can build up your no-claims discount up to around 65-70%, restrict the driver insured or increase the voluntary excess on the policy. Apart from these measures it is important that you research the market before you even purchase your vehicle and that you regularly check as it has a tendency to fluctuate.
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