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Car Insurance

It is illegal to drive a car without car insurance in the UK.

If you are involved in an accident your car insurance covers damage and compensation due to the other person if you are at fault and liable for the consequences of the accident.

Reducing the Cost of Your Car Insurance


Norwich Union Insurance
One way to reduce the cost of your car insurance would be getting a quote through Norwich Union they offer 20% off if you buy online.


The UK car insurance market is now very competitive but there are still ways of saving money. Car insurance premiums are based on certain criteria, for example most insurers assume that the annual average mileage is 12000 miles and if you do less than this you should tell your car insurance provider and the premium should be cheaper. Discounts also apply if you don't use your car to travel to work.

Certain car insurance providers focus on specific groups of people so using the Internet to shop around makes a lot of sense. If your car is garaged overnight rather than parked on a public road the car insurance premium will also be lower. If your spouse or partner is also to be covered under the insurance policy then it will be cheaper to name them rather than setting up the policy on an any driver basis.

Female drivers (believe it or not!) are statistically less likely to have an accident. You should also be aware that if you cancel your existing policy before a renewal date that part of the year would not count as a full year for no claims bonus calculations as only full years are taken into account.

Increasing Your Car Insurance Premium


Premiums even for careful drivers have increased over the years. This is because of a general increase in claims and payouts by car insurance providers. Premiums will also be subject to an increase if the standard car has been modified to increase its performance and if you use your car to commute to work in addition to social use.

UK car insurance providers apply a band of groupings to all cars from 1 the lowest risk to 20 the highest. If you have an expensive or rare car then it will probably fall into the most expensive high-risk bands. If you leave your car on a public road or highway rather than on your own driveway or garage the premium will be higher to reflect the greater risk of vandalism and theft. An immobiliser, steering lock and detachable stereo are deterrents to thieves and car insurance companies will take these into account.

If you live in a city then your premium will be higher than if you live in the country and nearly all UK car insurance providers will take into account the area's postcode.

Your sex, age, driving experience and history will also be assessed. Young males will pay higher premiums than older female drivers. Your occupation can also affect premium rates with sportsmen and entertainers heavily penalised.


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Car Insurance Sites

Car insurance from MORE TH>N
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Manufacturers
Alfa Romeo Car Insurance
Alfa Romeo have been established since 1910. \\ \\ The Alfa Romeo sports...
Aston Martin Car Insurance
Aston Martin have produced some of the finest cars that we know of today, i...
Audi Car Insurance
Audi is a manufacturer of exquisite cars – attractive, sophisticated and te...
Bentley Car Insurance
Bentley is proud of its heritage, drawing inspiration from the past. \\ ...
BMW Car Insurance
The history of BMW is one of ground-breaking innovations and exceptional ve...
Bristol Car Insurance
Bristol Car manufacturer. \\ \\ Celebrating 57 years making Great Britai...
Cadillac Car Insurance
Cadillac believe in Innovation. It's a way of thinking that delivers world-...
Chrysler Car Insurance
The Chrysler Group of DaimlerChrysler has a strong history of building beau...
Citroen Car Insurance
For nearly a century Citroën has been leading the field with innovation and...
Daewoo Car Insurance
The people of Daewoo Motor around the world are dedicated to instilling the...
Daihatsu Car Insurance
Daihatsu have the aim for the motoring industry to become greener. \\ \\...
Ferrari Car Insurance
Ferrari produce some of the most beautiful cars on the road today. \\ \...
Fiat Car Insurance
Fiat is one of the largest and most successful business groups in the world...
Ford Car Insurance
Ford Motor Company entered the business world on June 16, 1903, when Henry ...
Honda Car Insurance
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Isuzu Car Insurance
Isuzu have given us the 4x4 trooper, with its reliable engine and solid bui...
Jaguar Car Insurance
Jaguar are known for their excellence and elegant cars. The new style S typ...
Kia Car Insurance
Kia is a fast growing car brand across the UK and Europe. \\ \\ KIA say ...
Lamborghini Car Insurance
Lamborghini is one of the most beautiful and high performance sports cars i...
Land Rover Car Insurance
For more than fifty years, Land Rover has been designing and building high ...
Lexus Car Insurance
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Lotus Car Insurance
The Lotus that everyone knows makes some of the best and most glamorous spo...
Maserati Car Insurance
In 1998, Maserati in the UK became part of Maranello Concessionaires Ltd to...
Mazda Car Insurance
Mazda pride themselves in creating cars that exceed expectations, that push...
Mercedes Benz Car Insurance
Mercedes produce cars such as the sporty two seater SLK to the high perform...
MG Car Insurance
MG-Rover have introduced a sporty alternative to the Rover range. \\ \\...
Mitsubishi Car Insurance
Mitsubishi Motors is the fastest growing Japanese automaker in North Americ...
Nissan Car Insurance
Nissan are passionate about advancing design and technology to build cars t...
Perodua Car Insurance
Perodua UK Limited holds the import and distribution franchise for Perodua ...
Peugeot Car Insurance
Peugeot have provided us with cars such as the hot hatch 306 to the sporty ...
Porsche Car Insurance
A fantastic prestige sports car brand, offering a range of cars from the in...
Proton Car Insurance
Proton aim to have a new look product range by 2005. \\ \\ The aquasitio...
Reliant Car Insurance
Reliant Motor Company was formed over 50 years ago. \\ \\ The most famou...
Renault Car Insurance
Renault have given us the sporty new look Clio, the more family orientated ...
Rolls Royce Car Insurance
Rolls Royce produce cars with fine technology and classic good looks....
Rover Car Insurance
The Rover Group's aim is to be a successful, profitable and respected busin...
Saab Car Insurance
Saab Great Britain Limited is part of Saab Automobile AB, the Swedish execu...
Seat Car Insurance
Seat cars are known for their design, sportiness and advanced technology. ...
Skoda Car Insurance
Skoda has had a massive image change and is now producing cars with style, ...
Subaru Car Insurance
From the manufacture of Japan’s first mini-car,the 360, Subaru has continue...
Suzuki Car Insurance
Suzuki are a japanese company who as well as offering top class motorcycles...
Toyota Car Insurance
Toyota are a good quality Japanese motor manufacturer offering a range of g...
TVR Car Insurance
Over the last few years, TVR has achieved what was previously thought to be...
Vauxhall Car Insurance
Vauxhall Motors is one of the longest established motor manufacturers in th...
Volkswagen Car Insurance
Volkswagen's relationship with the UK dates back to 1952, when the first tw...
Volvo Car Insurance
Volvo are well known for the production of safe reliable cars. \\ \\ Rec...