How to find good automobile
insurance
cover in the UK
Good is not synonomous with
cheap, of course, although the way that many people buy their
automobile insurance might suggest that it is. In reality, cheap is
only cheerful as long as you don't need to make a claim on your cover.
If you do need to claim, you soon discover that the cheapest policies
tend to have a high excess, cap various costs, and omit as much as they
can from the cover. Don't expect a protected no claims discount, for
instance, or to have any kind of alternative transport provisions on
the cheapest of quotes.
That so many buy automobile insurance without considering the cover is
concerning. It's a big mistake to base your choice simply on the price.
Regretably, price comparison sites encourage this faulty approach. By
making it easy to find low cost car insurance - perhaps saving well
over a hundred pounds on your renewal - they may be popular, but they
don't offer enough help with making an informed choice in relation to
the cover you're getting.
Indeed, we always recommend that people check out the policy details
via each insurance company's own website rather than to rely solely on
scanty or no information on price comparison systems.
Of course, if very cheap policies are better avoided, and paying
attention to the cover is imperative, then, in fact, price comparison
sites, despite their undoubted popularity, are not actually as useful
as is popularly believed.
For this reason, we encourage people to revisit the old way of buying
cover - to go direct. If you go direct to a large car insurance
provider, you tend to get excellent cover with their standard policy.
To build in quality control like this is very hard on a price
comparison site but it's easy if you go direct to large insurers.
So, while a strong argument for going direct can be made on the basis
of quality of cover, what about the question of pricing? Most people
see this as a problem. However, it's much less of an issue than most
realise. The major insurers all offer price guarantees. If you find the
same cover with someone else, they'll refund the difference. In point
of fact, they watch their competitors' pricing closely anyway with the
effect that there's little to choose between the top car insurers for
like cover in terms of price.
That being the case, it frees the consumer to make a sensible choice
based on getting the right cover, instead of getting caught up in
trying to achieve major price savings while buying a poor policy in the
process. If you wish to compare
car
insurance from these top companies, here's where to start.
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