Car Cover Deals

By David H Thomson

UK motorists are finding that the cost of driving has increased considerably over the last few years. Car fuel is more expensive at the pump, and the overall cost of running your car is now for some people becoming almost prohibitive. The one area in which motorists have a degree of control and influence when it comes to the cost of their motoring is in their car insurance costs.

This is something that you can have a direct impact upon if you drive a car. A number of people and organisations over the last few years have put forward strategies and tips that are supposed to help you find car cover deals. These are outlined below in a little more detail. All of them are effective in making sure that when it comes to the cost of monthly premiums for car insurance, the financial outlay does not have to be as shocking as the dramatic increase in the cost of fuel.

First up, make sure that you are in a position where you can tell your insurer that your vehicle is secure. From immobilisers to full-blown security solutions, if you can prove to the company that underwrites the cost of insuring your car that the vehicle is safer than some of the others around, then you are some way towards getting a significantly lower premium quote. If you can say that your car is parked off road in a garage, for example, your insurer will often look upon you favourably, and cut the cost of insurance accordingly.

It is all about presenting a good case. So when you fill out those initial forms and they ask you to estimate your annual mileage, don't guess, make sure you tell them the truth. This will reduce their need to quote figures that may later be increased, as well as boost their confidence in you, which could make all the difference when you find another way to reduce premiums later.

Drive better. First of all, if you have the opportunity, take the Pass Plus test. This will increase your chances of receiving car cover deals because insurers like drivers who can actually prove they are skilled at driving. Many new motorists will consider taking this test for precisely this reason. They know that having the test under their belts makes them a more skilled and therefore safer driver, and that their insurer will recognise this and offer premiums that are lower than those received by the next driver.

And take the time to drive in a much safer way. This preserves your no-claims bonus, and just basically makes you a safer bet for the insurers.

There are three basic types of insurance cover. Third party basically covers the other driver and his car if there is an accident, but not you. Third party fire and theft covers the other driver, his car, plus your car if it is damaged by fire or stolen from. Fully comprehensive covers you for most everything else.

Take the time to ask your broker for the car cover deals he or she can offer you. Bear in mind the advice above, and get them to give you their best quote.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.