Specialised Car Insurance Quotations
Posted by Goody on 05/7/08 in Automotive
Of course, everyone wants the best deal possible for their insurance needs, particularly with car insurance in the UK. This industry has been hit with rising costs in recent years due to uninsured drivers losses and fraudulent claims. For many young drivers, the insurance quotes they receive are often more expensive than the cars purchase price! So how can we go about finding best deal on our car insurance whilst still getting good coverage on the policy?
The first step is simply contacting a specialised insurance broker by phone, in person or online. The easiest method by far for most people nowadays is online, so lets concentrate on that for this article. Basically by answering a few simple questions about your individual circumstances and your vehicle details, a broker will be able to search hundreds of companies in a database to come up with the best quote for you. Don’t worry, the questions are all pretty straightforward and there is nothing too personal. Typical questions will include:
Questions your broker may ask about you
Age
Sex
Occupation
Length of time you have held a full driving license
Any medical problems affecting your driving
Driving accidents or convictions in last 5 years
Questions your boker may ask about your vehicle
Make
Model
Age and registration
Any modifications carried out on vehicle
Any after market security devices
Is car kept on a public road overnight or garaged
Estimated car value
When considering which broker to contact its pretty simple really and depends on your circumstances. Basically if you are over 25, with no major convictions and your vehicle is not a high end prestige or sports vehicle. Then almost any online broker will be able to search hundreds of companies and come back to you with a good deal. However if you are under 25, or have serious driving convictions such as dangerous driving or drink driving, or have a criminal record, or are buying a high performance sports vehicle or top of the range premium marque, or buying an imported car, or have medical issues which affect your driving, or all of the above! Then you need to seek out specialised brokers, as the standard high street insurance companies and brokers will only have a limited (if any) number of insurers in their database who can provide a quotation.
In many cases people will contact brokers on recommendation from friends or relatives as they themselves have had a great price quoted, however, unless your circumstances are almost identical, they may not be the best broker for you.
A typical case where a specialised insurance quote would be required is for for car insurance for just one day. Many brokers are not set up to handle this sort of quote and are either unable to provide a quote at all or have such a poor selection of insurers on their panel they will offer a horrendous overpriced quote. Find out how to get a competitive quote for car insurance for 1 day here. For further information on cars and motoring in the Uk please visit brakedisc.net
Tags: 1 day car insurance, auto, brokers, car insurance, cars, UK, vehicles
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