uk car insurance types

There are three types of car insurance in the UK, namely Third Party Only, Third Party Fire and Theft and Fully Comprehensive.

• Third Party Only

third-party insurance is the most basic car insurance, and the coverage is limited to when you have an accident, the insurance company is responsible for giving the other party's car or the injured person a claim, but if your car is also damaged, the insurance company does not care about any situation. if you're driving a car for years, and you've been driving for a few years, consider buying this third-party insurance.

• Third Party Fire and Theft

this type of car insurance includes third-party insurance, and if your car is stolen or damaged, you can seek compensation from the insurance company; if your car is not expensive, this insurance may be a little cheaper than the comprehensive insurance described below.

• Fully Comprehensive

Comprehensive insurance is the most extensive coverage of car insurance, including the two kinds of car insurance mentioned earlier, and there are some special coverage, such as vehicle breakdown scrapping, legal disputes, etc., but these additional categories of each car insurance is different, we also have to look carefully at Policy Terms, according to their own needs to buy.

factors affecting the price of car insurance

Age

car insurance prices in the uk will vary greatly depending on age, 25 years old is a cut-off point, under 25 years old is very expensive, many old insurance companies do not even accept customers under 25 years old. over 25 years old will be much cheaper.

insurers in the uk may perceive themselves as young, imprudent, impulsive, with higher accident rates, and even some big-name insurers do not accept clients under the age of 25. therefore, for the student family, if you want to buy a car, you must be mentally prepared to pay for expensive insurance.

Driving age

driving age is mainly for new drivers, generally the first year of the newbie's premium is quite high, the second year will be reduced according to your driving situation, generally the third year will return to normal levels.

Safe driving records

There is a technical term called No Claim Discount, also called No Claim Bonus, Chinese which means that no claim discount has not been claimed. In the UK, if you drive for several years without making a claim against the insurance company, then your insurance company will give you how many years of NCD, this is also applicable to your new insurance company, more than 20% of the year, increasing year by year, to 5 years, is the FULL NCD, can be discounted to 60%. In the end, the normal insurance cost is about four or five hundred pounds a year.

Condition

ordinary cars or sports cars, the general sports cars will be much more expensive than ordinary cars. there is also the value of the car, the novice is more expensive than the old car, the luxury car is more expensive than the cheap car, the car accident rate is higher for the too old car, and the car that is too new and too luxurious is expensive to claim, which are all factors that affect the price.

if your car is £10,000, you may want to reduce the value of the car a little, such as £9,000, because after a year of buying, the car will also depreciate, which will sometimes reduce the premium a little.

Mileage

when purchasing insurance, you need to estimate the number of miles per year, and the higher the mileage, the higher the cost of insurance. therefore, when buying insurance, try to keep the mileage down, if you don't have to drive to and from work every day, you can press the mileage to about 5,000 miles a year if you don't usually go out much. if you report up to 20,000 miles, the premium will be much higher.

Tracker

This is popular with insurance companies in the UK, especially for newbies, and tracking Box can record your driving situation very well. This allows the insurance company to have a clearer picture of your driving behavior and adjust your premiums accordingly. This tracker is installed for you free of charge by the insurance company, and will generally be sent to your home, and you can install it on the car yourself, which does not affect driving.

Gender

this is not to say that sexism is not the same, in the uk, women's premiums are lower than men's. they believe that women are more cautious in driving and have a smaller probability of accidents. there may be a little difference from the country, domestic women driving will basically be called "road killer" by many people.

of course, there are other small factors that determine the price of your insurance, and xiaobian mainly cites several more important factors.

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Recommended by uk insurers

Direct Line

Direct Line, a British car insurance company founded in 1985 and the country's first direct car insurance company, has expanded its products to a range of general insurance services in addition to the car insurance business, including home insurance, pet insurance, travel insurance, life insurance, small business insurance, auto finance, etc. At Direct Line. Customers buy insurance directly by phone, the premium is cheaper than other companies, and the claim procedure is simple and fast, so it is very popular with customers.

website address: https://www.directline.com/

 Aviva

Founded in 1696 and headquartered in London, Aviva ranked 28th among the world's 500 companies published by Fortune magazine in 2006, making it the largest insurance group in the UK and the fifth largest in the world. Aviva Group is one of Europe's leading providers of life and pension insurance products, with its main businesses including long-term savings, fund management and other general insurance.

website address: https://www.aviva.co.uk/

Admiral

Adimral is the UK's largest car insurance company, providing clients with services such as car, van, home and travel insurance. Congratulations on being a regular and reliable insurance company.

website address: https://www.admiral.com/

how to buy cheap car insurance in the uk

one: shop around

when you buy or renew your car insurance for the first time, shopping around may save you hundreds of pounds on your insurance premiums. however, it should be noted that when comparing prices, policyholders must first confirm the scope of insurance claims. some plans may cost less, but the coverage of claims is extremely narrow, and the insured can only cry when making a claim.

xiaobian recommends several price comparison websites for everyone, at present, most car insurance companies have joined the price comparison network of major car insurance, and in order to attract customers, they will often give preferential treatment on the price comparison network. just enter your personal information and vehicle condition information, and the system will automatically settle the price you need to pay.

Money Super Market: Automatically saves the process and results of each price comparison you make. That is to say, if you want to modify one of the options you compared last time, you can directly manipulate it and then record the price comparison results twice at a glance.

Confused.com: If you ask people who drive cars in the UK, especially people in the car park, they will tell you about this website, the more established price comparison website, which only does car insurance and car-related services.

GoCompare: A lot of online forums have mentioned this company, and they have a lot of car insurance, as well as short-term car insurance. It quotes more than 90% accuracy, but does not specify the price of additional insurance.

In addition, QuoteZone, Compare The Market are also very good price comparison sites.

two: go to the official website of the insurance company to check the final price

when you roughly determine a few insurance companies, go directly to the websites of those insurance companies to check the price again, and sometimes, the insurance company does sales discounts on the internet, but it will not be calculated on the search website.

three: bargaining

when you've finally decided which insurance companies are there, call to bargain. when you call, remember to quote the price given by other companies, but it is lower than the actual price.

how to buy cheap car insurance for beginners

There is a Traning Course in the UK called Pass Plus, designed for new drivers who have just received their UK driver's license. According to the statistics of the British Department of Transport, the accident rate of novices will be higher in general, and one in five drivers has had a traffic accident in the first year, resulting in a high price of novice insurance. This Pass Plus is part of Advanced Driving Lessons and consists of six sections to improve drivers' driving experience and road judgment, thereby reducing accident rates. A portion of the insurance company admits, and can be used as a year's no-accident record, thereby reducing the price of the insurance.

website address: https://www.gov.uk/pass-plus 

other considerations

1. don't stay with the same car insurance company for a second year!. because the insurance company, which is always cheaper in the first year, wants to pull you on the boat, and the second year it wants to make a good buck on you.

2. avoid "kidnapping" everyone into insurance claims. the insurance regulations only need to write the name of the everyday driver. if someone else needs to drive the car, you can temporarily add their name for a while.