'Best' does not exist
There is no such thing as the 'best' car insurance. No single car insurance policy can suit everybody, as everybody's circumstances differ and many factors influence the type and price of a policy.
It's not possible to say the cheapest quote is the best quote, as a cheap policy might end up costly when it comes to a claim. On the other hand, a fully comprehensive cover might also not be the best option, if your car is worth less than your annual premium.
The best car insurance is a policy that is tailored to your specific needs and circumstances, offering you best value for money. Read on for a few things to consider.
The best insurance for your car
The type of insurance you opt for will often depend on the value of your car. If your car is worth less than £1000 then the best car insurance for you would usually be third party, fire and theft cover. This way, if you make a claim, other parties involved will still be compensated. Also, in the event of a fire or theft you will be covered. If your car is only worth £800 then it is not worthwhile paying for fully comprehensive cover every year -the yearly premium for that could be more than your car is worth.
Obviously the decision is up to you, and you may want the extras that come with comprehensive cover.
Drivers and the best car insurance
The more drivers you add to your policy, then the more expensive it will become. But sometimes it's unavoidable and if your additional drivers are experienced, and the car you are sharing is of a high value (i.e. over £5000) then you may wish to take out comprehensive insurance.
If you can avoid adding drivers who will only be using your car infrequently then you will make large savings. Often, it is more economical to take out temporary insurance every once in a while for other drivers, rather than have them included on your policy.
Best insurance for your age
If you are a young driver car insurance companies will penalise you heavily for your inexperience. But, there are ways to keep these costs down. The easiest way is to simply apply for third party cover. If you make a claim because of an accident you will at least know other people involved will be compensated.
It is also likely that your first car will be inexpensive, and so covering the car itself will be less of an issue.
If you are an older driver with an expensive car then you may be best searching for quotes for comprehensive cover. In the event of an accident, damage to your car will be repaired, as well as damage to the other cars involved. Comprehensive cover also includes cover for things you may not have even thought of, such as windscreen damage and personal injury.
Also, if you are experienced and have a clear driving record, with no claims bonus, your premium should be relatively low. This may mean you are able to afford a higher level of cover, such as fully comprehensive. It is worth remembering that individual insurers offer different options on their comprehensive cover. If there is something specific you would like covered, then you should enquire with the insurer you choose after using our comparison service.
Best insurance if you have a no claims bonus (NCB)
The more no claims bonus you and your additional drivers have, the greater the discount you will get on your car insurance premium. For example, if you have five years no claims bonus then you will get up to a 65% discount off your insurance. The theory behind this is that the fewer claims you have made in the past, the fewer you will make in the future - and this is exactly what insurers are looking for.
The same applies to all three types of insurance cover so that choice doesn't matter when you are considering no claims bonus. However, your additional drivers must be aware that their no claims bonus' won't usually continue to build up whilst they are on someone else's policy.
There are some insurers that specialise in increasing additional drivers' NCB, and while our comparison service won't highlight them, you will be able to ask them individually if you choose their premium.
The best car insurance for you
Don't be dazzled by apparently cheap car insurance offers. Compare car insurance with uSwitch to find the right policy for you. We ask all the right questions to make sure you get a list of quotes to help you find the best insurance for you.
Saturday, 19 December 2009
Compare Car Insurance Introduction
Car Insurance is the biggest and most competitive insurance product in the marketplace. Any number of insurance companies assure customers old and new that they can offer cheap car insurance to any and every driver, either by providing low cost car insurance or by offering to compare car insurance quotes from any number of companies.
Many car manufacturers also offer car insurance deals to drivers of new cars, often including extras such as free breakdown cover and low-cost windscreen cover.
The needs of car drivers and the type of insurance needed varies. Some know which car insurance groups their car falls into and will search for car insurance quotes this way. Others might look for short term car insurance policies (temporary car insurance) for a holiday or short trip. And it stands to reason that we're all searching for the cheapest car insurance we can in these harsh times when money can be tight.
If you're currently trying to compare car insurance quote, our consumer reviews may show you what to expect from your car insurers. And, if you've renewed your car insurance, why not send us a review of your insurance broker?
Many car manufacturers also offer car insurance deals to drivers of new cars, often including extras such as free breakdown cover and low-cost windscreen cover.
The needs of car drivers and the type of insurance needed varies. Some know which car insurance groups their car falls into and will search for car insurance quotes this way. Others might look for short term car insurance policies (temporary car insurance) for a holiday or short trip. And it stands to reason that we're all searching for the cheapest car insurance we can in these harsh times when money can be tight.
If you're currently trying to compare car insurance quote, our consumer reviews may show you what to expect from your car insurers. And, if you've renewed your car insurance, why not send us a review of your insurance broker?
The Best Car Insurance
Finding the best car insurance company for you needn't be difficult. Using the relatively unknown website QuoteZone, you can find the best car insurance quickly and easily.
Quote Zone Car Insurance
Find the Best Car Insurance Company with Quote Zone
Only takes a few minutes to get a quote
They search over 80 different insurers to find the cheapest quote
Website is easy to use and extremley secure
Totally independent and unbiased
Totally free to use
Over half a million people use the service
QuoteZone is a completely independent comparison website so unlike with other larger comparison websites you can be sure you are geuinely getting the cheapest and best car insurance.
The best car insurance on offer is a combination of both cost effective products and efficient services. Unfortunately this can be rather hard to find. While many companies will offer one or the other, the number of car insurance companies to provide both is much smaller. On the plus side this means FreeIndex.co.uk is able to provide information on a selection of companies that provide both.
In order to find the best car insurance for you, there are several points that will help you narrow down your search. It is worth taking these into consideration since they are the main factors that your premium price will be based on. For example - if you have access to off-road parking, such as in a garage, your car is less likely to be vandalised or stolen. Things like this mean you are potentially a low-risk customer and car insurance providers are likely to lower your premium price accordingly.
If you are over the age of 25 and drive a middle-of-the-range family car or a similar vehicle, we found that Quote Zone Car Insurance offer considerable savings to good drivers who are looking the best car insurance.
Quote Zone Car Insurance
Find the Best Car Insurance Company with Quote Zone
Only takes a few minutes to get a quote
They search over 80 different insurers to find the cheapest quote
Website is easy to use and extremley secure
Totally independent and unbiased
Totally free to use
Over half a million people use the service
QuoteZone is a completely independent comparison website so unlike with other larger comparison websites you can be sure you are geuinely getting the cheapest and best car insurance.
The best car insurance on offer is a combination of both cost effective products and efficient services. Unfortunately this can be rather hard to find. While many companies will offer one or the other, the number of car insurance companies to provide both is much smaller. On the plus side this means FreeIndex.co.uk is able to provide information on a selection of companies that provide both.
In order to find the best car insurance for you, there are several points that will help you narrow down your search. It is worth taking these into consideration since they are the main factors that your premium price will be based on. For example - if you have access to off-road parking, such as in a garage, your car is less likely to be vandalised or stolen. Things like this mean you are potentially a low-risk customer and car insurance providers are likely to lower your premium price accordingly.
If you are over the age of 25 and drive a middle-of-the-range family car or a similar vehicle, we found that Quote Zone Car Insurance offer considerable savings to good drivers who are looking the best car insurance.
Friday, 18 December 2009
Cheap Car Insurance Comparison Sites
UK car insurance sites
The sites below are some of the best in offering car insurance for drivers in the UK. The car insurance sites are listed in alphabetical order, so there is no order of preference by us and we have only included descriptions by the car insurance companies or brokers themselves. The descriptions are not meant as a review of the prices or services offered by the car insurance companies. You should check out, for yourself, the prices and conditions for car insurance between the different insurance companies.
AA Motor Insurance
4 out of 5 people save on insurance with the AA! One month's FREE insurance is offered (correct at time of updating this page).
BUDGET Car Insurance
One of the UK's largest insurance intermediaries, with 1 million customers and counting! As BUDGET is an independent intermediary, rather than a direct insurance company, we search our panel of leading insurers, to find the best quote for our customers.
Churchill Insurance
Churchill Insurance is one of the UK's leading insurance companies. Churchill is currently offering customers a 10% online discount on all car insurance policies. Churchill Insurance offer a wide range of insurance products, such as car and home. We are constantly reviewing our prices and cover to offer our customers great value for money and the best service in the insurance industry. Car Insurance underwritten by Churchill Insurance company Limited, Churchill Court, Westmoreland Road, Bromley, Kent BR1 1DP, a member of the General Insurance Standards Council. Subject to underwriting criteria.
Eagle Star
Eagle Star is one of the best known direct insurers in the UK specialising in car and home insurance. We were the first insurance company to offer an online, transactional website where our customers could buy their insurance on line.
esure
esure offer an easy to use website where customers can buy car and home insurance online. At esure, we only insure good drivers with at least 4 years' no claim discount, which means we can reward our customers with savings of up to 30% on their current premium, because they're not subsidising drivers with a poor claims history. On top of significant savings, our policies offer a comprehensive package of benefits for complete peace of mind. We provide a free courtesy car while our customer's is being repaired by one of our approved repairers. Valid claims are approved in minutes over the telephone. Plus there are 24 hour emergency helplines available, so we're here when you need us most. And these are just a few of our benefits.
Halifax Car Insurance
The Halifax Car Insurance website enables customers to buy quality comprehensive and third party cover easily online. Halifax Car Insurance offers comprehensive, third party only and third party fire and theft cover online. When choosing a comprehensive policy as most people do, our customers can relax and enjoy the extra benefits they receive. These include:
FREE courtesy car while the customer's car is being repaired by one of our recommended repairers.
5-year guarantee on repairs if a customer uses one of our recommended repairers. This does not affect your statutory rights.
Valid claims approved in minutes with the minimum of fuss - there are no forms to fill in.
Optional Breakdown Assistance cover with Green Flag at very competitive prices.
its4me
its4me is an established online insurance intermediary. Formed in 2000, we have come a long way in the last few years and are widely recognised as one of the most successful UK car insurance brokers online. Since our launch, we have won 3 prestigious awards - including The Daily Telegraph/Energis Customer Service Award in 2001. Our wealth of experience has allowed us to expand our panel of insurers and track down the most competitive prices in the market. Our system is very easy to use. A driver with a clean record can get a quote in around 3 minutes. Payment can be completed online by debit/credit card or monthly instalments.
Lloyds TSB Insurance
Lloyds TSB Insurance is one of the UK's leading insurance companies and they use a panel of leading UK insurers to find the best possible deal for their customers. They then give an additional discount of up to 15% for buying online. As a broker, Lloyds TSB Insurance uses a panel of top insurers, which include Churchill, Norwich Union, Royal & Sun Alliance, Allianz Cornhill, AXA, Provident, Zenith, NIG, Chaucer, Groupama, Fortis, MMA and Lloyds TSB Insurance.
Motor Quote Direct
Motor Quote Direct are an intermediary that provides excellent cover at an affordable price. Why go through the hassle of shopping around when we can search the market for you? After entering your details we will show you the top three most competitive policies from our extensive panel of insurers. You can benefit from instant quotations and instant cover.
Screentrade
Screentrade is the UK's longest established online broker (est. 1997) and recent independent research ranked them as the second most competitive UK insurer for car insurance. Screentrade use a panel of top UK insurers to search for the cheapest deals, so their customers don't have to. As a broker, screentrade uses a panel of top insurers, which include Churchill, Provident, Zenith, NIG, Chaucer, Groupama and Fortis. They search for the best possible deal on their customer's behalf, and then discount it by a further 10%!
In showing just how competitive screentrade.co.uk is, independent research was conducted by IRDS in May 2004, comparing car insurance quotes from a number of household names associated with cheap and affordable insurance. The likes of Direct Line, esure, Elephant, More Than and Virgin all took part. The results ranked screentrade as the second most competitive, behind only esure. However, unlike esure, screentrade do not insist on a minimum of 4 years no claim discount in order to quote.
Yes! Insurance
Yes! Insurance offers competitively priced car insurance for drivers who own cars over 5 years old (60% of the cars in the U.K), low mileage drivers and second car owners. Because older vehicles are less expensive to repair or replace compared to brand new models this means we can be cost competitive without compromising the quality of the cover and service provided enabling us to pass savings on to the policyholder in the form of lower premiums. You're just a click away from saying yes to cheaper car insurance!
The sites below are some of the best in offering car insurance for drivers in the UK. The car insurance sites are listed in alphabetical order, so there is no order of preference by us and we have only included descriptions by the car insurance companies or brokers themselves. The descriptions are not meant as a review of the prices or services offered by the car insurance companies. You should check out, for yourself, the prices and conditions for car insurance between the different insurance companies.
AA Motor Insurance
4 out of 5 people save on insurance with the AA! One month's FREE insurance is offered (correct at time of updating this page).
BUDGET Car Insurance
One of the UK's largest insurance intermediaries, with 1 million customers and counting! As BUDGET is an independent intermediary, rather than a direct insurance company, we search our panel of leading insurers, to find the best quote for our customers.
Churchill Insurance
Churchill Insurance is one of the UK's leading insurance companies. Churchill is currently offering customers a 10% online discount on all car insurance policies. Churchill Insurance offer a wide range of insurance products, such as car and home. We are constantly reviewing our prices and cover to offer our customers great value for money and the best service in the insurance industry. Car Insurance underwritten by Churchill Insurance company Limited, Churchill Court, Westmoreland Road, Bromley, Kent BR1 1DP, a member of the General Insurance Standards Council. Subject to underwriting criteria.
Eagle Star
Eagle Star is one of the best known direct insurers in the UK specialising in car and home insurance. We were the first insurance company to offer an online, transactional website where our customers could buy their insurance on line.
esure
esure offer an easy to use website where customers can buy car and home insurance online. At esure, we only insure good drivers with at least 4 years' no claim discount, which means we can reward our customers with savings of up to 30% on their current premium, because they're not subsidising drivers with a poor claims history. On top of significant savings, our policies offer a comprehensive package of benefits for complete peace of mind. We provide a free courtesy car while our customer's is being repaired by one of our approved repairers. Valid claims are approved in minutes over the telephone. Plus there are 24 hour emergency helplines available, so we're here when you need us most. And these are just a few of our benefits.
Halifax Car Insurance
The Halifax Car Insurance website enables customers to buy quality comprehensive and third party cover easily online. Halifax Car Insurance offers comprehensive, third party only and third party fire and theft cover online. When choosing a comprehensive policy as most people do, our customers can relax and enjoy the extra benefits they receive. These include:
FREE courtesy car while the customer's car is being repaired by one of our recommended repairers.
5-year guarantee on repairs if a customer uses one of our recommended repairers. This does not affect your statutory rights.
Valid claims approved in minutes with the minimum of fuss - there are no forms to fill in.
Optional Breakdown Assistance cover with Green Flag at very competitive prices.
its4me
its4me is an established online insurance intermediary. Formed in 2000, we have come a long way in the last few years and are widely recognised as one of the most successful UK car insurance brokers online. Since our launch, we have won 3 prestigious awards - including The Daily Telegraph/Energis Customer Service Award in 2001. Our wealth of experience has allowed us to expand our panel of insurers and track down the most competitive prices in the market. Our system is very easy to use. A driver with a clean record can get a quote in around 3 minutes. Payment can be completed online by debit/credit card or monthly instalments.
Lloyds TSB Insurance
Lloyds TSB Insurance is one of the UK's leading insurance companies and they use a panel of leading UK insurers to find the best possible deal for their customers. They then give an additional discount of up to 15% for buying online. As a broker, Lloyds TSB Insurance uses a panel of top insurers, which include Churchill, Norwich Union, Royal & Sun Alliance, Allianz Cornhill, AXA, Provident, Zenith, NIG, Chaucer, Groupama, Fortis, MMA and Lloyds TSB Insurance.
Motor Quote Direct
Motor Quote Direct are an intermediary that provides excellent cover at an affordable price. Why go through the hassle of shopping around when we can search the market for you? After entering your details we will show you the top three most competitive policies from our extensive panel of insurers. You can benefit from instant quotations and instant cover.
Screentrade
Screentrade is the UK's longest established online broker (est. 1997) and recent independent research ranked them as the second most competitive UK insurer for car insurance. Screentrade use a panel of top UK insurers to search for the cheapest deals, so their customers don't have to. As a broker, screentrade uses a panel of top insurers, which include Churchill, Provident, Zenith, NIG, Chaucer, Groupama and Fortis. They search for the best possible deal on their customer's behalf, and then discount it by a further 10%!
In showing just how competitive screentrade.co.uk is, independent research was conducted by IRDS in May 2004, comparing car insurance quotes from a number of household names associated with cheap and affordable insurance. The likes of Direct Line, esure, Elephant, More Than and Virgin all took part. The results ranked screentrade as the second most competitive, behind only esure. However, unlike esure, screentrade do not insist on a minimum of 4 years no claim discount in order to quote.
Yes! Insurance
Yes! Insurance offers competitively priced car insurance for drivers who own cars over 5 years old (60% of the cars in the U.K), low mileage drivers and second car owners. Because older vehicles are less expensive to repair or replace compared to brand new models this means we can be cost competitive without compromising the quality of the cover and service provided enabling us to pass savings on to the policyholder in the form of lower premiums. You're just a click away from saying yes to cheaper car insurance!
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