We offer free insurance
quotes on all
types of cars, with various driving options, and with a number of discounts
available to help bring down your price.
As an independent insurance
broker we search from a large panel of the UK insurance company's to bring
you the best and latest deals available. Some of the well known brands you
would have heard of that we use include, AXA, Aviva, Ageas Insurance, KGM,
LV, Sabre, Zurich Insurance amongst many others.
For your free car insurance
quotation just click on the appropriate button below, complete the quick online quote form
(takes about 5 minutes) and we will come back to you with our recommended car insurance
quotation as soon as possible.
Alternatively you can call
our Bude office on 01288 353999 where a fully trained member of staff will
be able to take the information over the phone and provide an instant
quotation and give full advice to you.
For learner drivers
looking for temporary cover whilst they learn to drive a friend or family's
car look no further, 1,2,or 3 months cover available at a time.
Click below for an instant quote.
With Tips and Tricks On How To Reduce Your Costs!!
fortunately for us) everyone in the UK who owns a private car
must have insurance, and to someone who is fairly inexperienced
to motor insurance the task of finding the most appropriate
policy can be daunting.
How To Obtain Insurance Cover.
There are more and more ways of obtaining motor insurance,
through an insurance broker, directly with an insurance company,
through online comparison sites, even through a supermarket,
but which is the best way to obtain insurance?
By going direct to
an insurance company like Direct Line
for example, they say they can reduce costs by cutting out the
the middleman, this may be so, but they can only ever quote
themselves and in most instances they are not going to be the
cheapest option anyway.
or aggregator sites work in a similar way to insurance
brokers in the fact that they compare quotes through a panel of
insurance companies. That's about where the similarities end.
With comparison sites YOU are responsible that the information
you input is correct. The sites check for the cheapest policies,
but the cheapest policies are often inadequate or have various
restrictions or clauses like higher excesses, young
driver additional excess's, maybe no courtesy car or legal
expenses cover, limited
mileage restrictions, or no European cover, these sites should
clearly show you all these clauses, but they are often in the
small print which is basically down to you to
check and ensure the policy is adequate, most times you wont know about
these restrictions until you come to make a claim and suddenly
you find you're not paid out for it or are out of pocket. You will also find they
have large mid-term alteration administration charges and will
bombard you with their own junk mail or sell your information to
other company's who will email or contact you trying to sell other stuff.
Insurance brokers will search a large panel of selected
insurance companies and although they will look to find the
cheapest policy for you, more importantly they will explain any restrictions a
policy may have like full policy excesses etc or clauses to
ensure you are aware of them and that the policy quoted is right
for your needs as a motorist. If you have any problems or
need to make a claim you can speak to someone in the UK and a
broker will be able to provide you with advice on mid-term
changes or claims, with often a lot lower admin charges. At the renewal time
a decent insurance broker will automatically search the market again for you to ensure your
current insurers are still the most suitable option for you. A direct company or aggregator site will not provide this level
So our advice, use an insurance
broker, for peace of mind, a fair deal, and great service!!!
The Right Level Of Cover
Basically speaking there are 3 levels of cover you can choose
Only. This is the basic minimum level of
cover you can have for car insurance. In the event of an
accident this policy will pay for any damage to someone
else's property, or injuries to others, including
passengers. You will have no cover for damage caused to your
own car, although if you are in the right in the accident
this damage can normally be recovered from the third parties
insurers. Very few company's offer this cover nowadays.
Fire & Theft. This is the same as third
party only cover, but includes cover for theft or attempted
theft of your car,
or if the car is damaged by fire.
Comprehensive. Also know as 'fully comprehensive'
or 'fully comp' this cover will provide the same cover as
per third party fire & theft and will also pay for any
damage caused to your own car irrespective of whom was to
blame. This cover will also include cover for windscreen or
window damage and also damage to personal effects in the car
(to a set limit). A courtesy car will normally be included
and given to
you as well whilst your vehicle is being repaired.
A current rule of
thumb at present is to not bother looking for Third Party Only
insurance quotes, vehicles up to a value of £1,500 probably just
Third Party Fire & Theft cover will be adequate, and over £1,500 Comprehensive
cover. You could possibly still look at Third Party Fire & Theft
for higher value vehicles but you will probably find that
Comprehensive cover is cheaper.
We would say if you would struggle to replace a car of similar
condition if you went out, hit a hedge and wrote the car off,
then insure it Comprehensive.
You're better off getting a quotations on both Third Party Fire
& Theft and Comprehensive covers as quite
often third party fire & theft cover is cheaper than third party
only as there are more insurance companies doing this cover more
often than not comprehensive can work out cheaper than third party
fire & theft as certain discounts like age of vehicle, age of
driver etc, can reduce the premium.
Why Does Car Insurance Cost So Much
These are some of the things which an insurance company will
take in to account when working out the price of your insurance
and why some people are more expensive than others.
drivers and learner drivers are less experienced and are
therefore considered more likely to be involved in an
accident. A young driver who has just passed their driving
test is even worse, as they can now take out their mates and
show off and this is when the most accidents occur. Discounts will be given the older you get, but
once you get to around 75+ your discounts will start to
decrease. As you get older your reactions often start
to slow and stats show an increase in accidents arises in
this age group.
Group. Cars are given an insurance group between
1-50 (it used to be just 1-20). This will normally be
based on the performance of the car and likely repair costs
if that vehicle is involved in an accident. Prestige
and performance related cars will normally be higher rated
because of this.
If the vehicle has a standard alarm or immobiliser,
insurance companies will not normally give a discount for
this as it's normally included within the group of the car. If it has an aftermarket Thatcham
Approved system then
additional discounts can often be given. If the
vehicle is kept in a locked garage or even off road in a
again additional discounts can be given.
Live. Being based in Cornwall we have one of the
lowest rated areas in the country because of the low traffic
density and lower theft risk. Larger cities are more
expensive because the likeliness of having an accident is
greater and normally have a higher crime rate. Move out to
the country to reduce your premium.
If you have been involved in an accident or made a
previous claim, fault or non fault, your insurers must know,
stats show persons who have an accident are more likely to
be involved in another one within 3 years. Motoring
convictions will also increase your premium, even just one
speeding conviction, so drive steadily.
How To Cut The Cost Of Your Car
Insurance, Hints and Tips
Below we give you a few ideas on how you can reduce
your premium without cutting your cover.
and Learner Drivers. Taking a 'Pass Plus'
course can help to bring your insurance premium down by as
much as 35%. Check with your insurers first as
currently only a few companies give a discount and often
their starting prices are much higher than the more
Look at adding a parent to your policy as a named driver as
most companies do give a discount if your mum or dad is
named on the policy as well.
If you are learning and looking to soon pass your test,
check to see if the insurance company you are going to use
increase the premium once you have passed your test, some
do, some don't.
Parking. If you
have a garage and can fit your car in it, do so as you could
save yourself up to 10%. Stipulations can be put
in to force though with some companies, so if it's left in
the open even once, they may not pay a claim if it's stolen
from outside your home.
you only drive say 4,000 miles a year, make sure your
insurers know, as again, big discounts can be given.
Obviously if you are on the road less, there is less chance
of you having an accident. If you don't drive to work,
tell your company, insurers give discounts if you don't
commute to and from work.
If you want an excuse to get married, tell the other half
you can make savings on your car insurance. Married
drivers statistically have lower claims than single people
so attract lower premiums.
Use Of Car.
If you don't drive to work, tell your company, insurers give
discounts if you don't commute to and from work. On
the other hand if you drive to more than one place of work,
make sure you have business use on the policy as standard
Social, Domestic & Pleasure cover will NOT cover you.
quotes on all 3 types of cover as usually third party
fire & theft cover can be cheaper than third party only and
also comprehensive cover can be cheaper than third party
fire & theft cover. Make sure you ask.
Drivers. Normally the fewer drivers you
have the cheaper the premium. Don't have 'Any Driver'
cover if there are only a couple of drivers who will ever
drive it. If you are married though don't just insure
yourself, add your partner on as this will normally reduce
If you have to make a claim, this is the amount you will
have to pay towards the damage to your own vehicle. Nearly
all car insurance policies will have a 'compulsory' excess,
usually starting from £100. In addition to this
you can have a 'voluntary' excess on top, the higher you go,
the more your premium will reduce. Be wary though,
quite often increasing the excess by £200-£300 may only
reduce the premium by a few pounds, so if you have an accident
you will be a lot worse off. On top of this again you
will find increased excesses for drivers under 25 and
inexperienced drivers, so make sure you find out the 'total'
excess before taking out a policy and check the small print.
Bonus & Protection. All insurers will give a
discount for having a claim free driving experience, most
insurers will give a 30% discount off for one year, followed
by about 10% extra each year until you have about 60-70%
discount. Some insurers give you discounts up to 9 years without
claim. Once you get to 4 years it is worth paying a
bit extra (normally about 10%) to protect the No Claims
Bonus, so if you have to make a future claim you wont lose
any of this bonus which you have built up. Most insurers
will allow you up to 2 claims in a 3 or 5 year period before
it starts to knock the bonus off.
If you want to add an alarm or immobiliser to your vehicle
make sure it is a Thatcham approved system. This is the only
type of system insurers will give a discount for. Discounts can also be given for Tracker systems up to 10%.
Insurance. If you can, you are better off paying
for your insurance in a one-off payment. Nearly all
insurers will charge up to 15% extra for paying your
insurance monthly by direct debit. We can spread
payment over the 1st month of a policy without any
Make sure all the information you give is accurate, if
your correct name is Robert, don't just say Rob or Bobby,
insurers now do instant background and credit checks. If
their searches find that your information doesn't match up
they will load the premium of your insurance. Also exact
dates of accidents and claims, address's can all make a
difference to the premium if inaccurate. If your details all
match up to company's background checks you could well be in
for further large discounts.
Providing you answer the questions on a quote form fully
or when speaking to an advisor over the phone and don't try
to hide anything just to get your premium a few quid cheaper
then you should have no problems when a claim arises. Often people conveniently forget to tell insurers about that
speeding conviction they had a couple of years ago, or the
change of alloy wheels they made a few months ago, and then
wonder why their insurers refuse to pay out when they have
an accident. Make sure you read the questions fully and
slowly and that you answer them accurately. Be honest and your insurers will be
To arrange a FREE
car insurance quotation, click below.
For 2nd Cars
We can give instant
quotes over the phone from a panel of over 50 insurance schemes, give our
office a call on 01288 353999.
For learner drivers
looking for temporary cover whilst they learn to drive a friend or family's
car look no further, Click below for an instant quote.
Cheap Car Insurance Cover