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Car Insurance

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Car Insurance

We provide free quotations on all types of car insurance, with lots of options available to help bring your insurance premiums down.

As an independent insurance broker we instantly search from a large panel of the top UK insurance companies to bring you the best and latest deals available.

You won’t find us on any ‘online comparison website’, you deal directly with our Bude based office, where trained staff calculate every individual quote ensuring complete and accurate information has been obtained,  giving you complete peace of mind!!

For your free car insurance quotation just click on the appropriate car product below, complete the quick online quote form (takes about 5 minutes), it will be emailed through to us where a staff member will review it and come back to you with our recommended car insurance quotation as soon as possible.

Alternatively for an instant quote you can call our Bude office  and a trained member of staff will be able to take the full information over the phone and provide an instant quotation and give full advice to you.

Over 15 Insurance Company’s Instantly Searched To Find You The Best Deals.

For That Second Car Purchase Which Doesn’t Have Any ‘No Claims Bonus’ To Attach To It.

Special Rates & Extra Discounts Available For The More Discerning Drivers.

SHORT TERM LEARNER DRIVER CAR INSURANCE

For 17+ year old learner drivers looking for temporary cover whilst they learn to drive a parent, friend or family’s car look no further, we offer a 1, 2,or 3 month policy, which is separate to the main car insurance. You can get an instant quote now via our recommended supplier ‘Provisional Marmalade’. Click the below picture for your instant quote.

Car Insurance Explained
With Tips and Tricks On How To Reduce Your Insurance Costs!

Unfortunately (or fortunately for us) everyone in the UK who owns a private car must have valid car 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 nowadays, via an insurance broker, directly with an insurance company, through online comparison sites, at a supermarket, via social media like Facebook, 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, whatever their one rate is, is the rate you get, they can’t search any other insurer.

Online Comparison or Aggregator Websites 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 policy is very rarely the most appropriate policy for your needs. The cheaper policy’s will usually have more 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, they also 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. Very annoying!!

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, saving you time having to search the market again. A direct company or comparison website will not provide this level of service.

So Our Advice! For Peace Of Mind, Independent Advice & A Fair Deal, Use An Insurance Broker!

The Right Level Of Cover

Basically speaking there are 3 levels of cover you can choose from:

    1. Third Party 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 vehicle or 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.
    2. Third Party Fire & Theft.   This is the same as third party only cover, but with the added benefit of including cover for theft or attempted theft of your car, or if the car is damaged by fire.
    3. 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. All our Comprehensive policys include windscreen and glass damage, (some charge extra for this so check) 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 value 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.

Tips.

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 and 9 times out of 10 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. Just ask!!

My Car Insurance Always Seems High, Why Is This?

These are some of the things an insurance company take in to account when working out the price of your car insurance and why some people are more expensive than others.

  • Drivers Age. Young drivers and learner drivers 17-25 have little experience and it’s a known fact that age group have a much higher chance of being involved in an accident than more experienced drivers. 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.
  • Insurance Car 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.
  • Security. 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 driveway then again additional discounts can be given.
  • Where You 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.
  • Your History. 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.
  • Insurance Claims. Insurance premiums overall are based on the claims cost insurance companies have had to pay out over the previous 12-24 months. At present these continue to rise, especially injury claims costs and modern car claims as they have more fancy and expensive gadgetry in them nowadays.

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.

  • Young and Learner Drivers. Taking a ‘Pass Plus’ course could help 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 competitive companies. It’s good to take for experience, but don’t just take it thinking you’re insurance will automatically be cheaper.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.If you’re purchasing your own car then for young drivers the cheapest car insurance schemes tend to require a ‘black box’ tracker fitted to your car. This will monitor your driving allowing insurers to offer massive discounts off your car insurance.
  • 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.
  • Mileage. If 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.
  • Marriage. 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.
  • Cover. Get 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.
  • General 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 the premium.
  • Excess. 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.
  • No Claims 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.
  • Security. 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%.
  • Payment Of 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 charge.
  • Be Accurate. Make sure all the information you provide 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.

 Good Luck!!!

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