Choose the right policy cover
Do you really need Fully Comprehensive insurance? If your car is worth several thousand pound then the answer is probably yes. If you have a cheap runabout, it may not be necessary and basic Third Party cover may well be enough.
Voluntary excess
If you agree to accept a higher voluntary excess (the amount you agree to pay in the event of an accident), the lower your premium is likely to be. Just make sure you can afford to pay the amount should the worst happen.
Avoid modifying your car
Try not to modify your car as will directly affect the rates you will be quoted. For example by adding alloy wheels to a car, that were not standard at manufacture, you could alter the insurance group rating applied to your particular vehicle. The insurers work with the manufacturers so that a particular model of car can be insured to a standard. If you modify your car and don't tell your insurer then you risk not getting paid out if you need to claim.
Make your car more secure
Get a professionally fitted alarm serves two purposes - Thieves will probably not attempt to steal your car in the first place and insurers sometimes offer additional discounts. Always remove any valuables from your car, or hide them away if you have to leave them in the vehicle.
Be truthful
Make sure your application is true to the best of your knowledge. You enter into a contract with an insurer in good faith. If you lie, then need to make a claim, an insurer can refuse to pay out on the policy. Once you have insured your car you must then inform any changes in your circumstances, that may affect your policy, to your covering insurance company. This would include -
Do you really need Fully Comprehensive insurance? If your car is worth several thousand pound then the answer is probably yes. If you have a cheap runabout, it may not be necessary and basic Third Party cover may well be enough.
Voluntary excess
If you agree to accept a higher voluntary excess (the amount you agree to pay in the event of an accident), the lower your premium is likely to be. Just make sure you can afford to pay the amount should the worst happen.
Avoid modifying your car
Try not to modify your car as will directly affect the rates you will be quoted. For example by adding alloy wheels to a car, that were not standard at manufacture, you could alter the insurance group rating applied to your particular vehicle. The insurers work with the manufacturers so that a particular model of car can be insured to a standard. If you modify your car and don't tell your insurer then you risk not getting paid out if you need to claim.
Make your car more secure
Get a professionally fitted alarm serves two purposes - Thieves will probably not attempt to steal your car in the first place and insurers sometimes offer additional discounts. Always remove any valuables from your car, or hide them away if you have to leave them in the vehicle.
Be truthful
Make sure your application is true to the best of your knowledge. You enter into a contract with an insurer in good faith. If you lie, then need to make a claim, an insurer can refuse to pay out on the policy. Once you have insured your car you must then inform any changes in your circumstances, that may affect your policy, to your covering insurance company. This would include -
- car modifications
- moving house
- points on your driving license
- other people using your car
Avoid sports cars
If you are student then chances are you're well under 25. After 25 your premiums will start to come down significantly. Until then, you don't want to take your premiums even higher buy owning a sports car. Most small super minis fall into the lower insurance groups - 1 to 4, and most family cars in the 5 - 11 group. Get a car with a small engine that is cheap to run and your car insurance will be more manageable.
Be a careful driver
Being a considerate and careful driver, with a good attitude to other motorists, is the best way to avoiding accidents. You will build up a good history of no claims bonuses and gradually lower your premiums each year.
If you are student then chances are you're well under 25. After 25 your premiums will start to come down significantly. Until then, you don't want to take your premiums even higher buy owning a sports car. Most small super minis fall into the lower insurance groups - 1 to 4, and most family cars in the 5 - 11 group. Get a car with a small engine that is cheap to run and your car insurance will be more manageable.
Be a careful driver
Being a considerate and careful driver, with a good attitude to other motorists, is the best way to avoiding accidents. You will build up a good history of no claims bonuses and gradually lower your premiums each year.
No comments:
Post a Comment