Below we have outlined the most common questions asked about car insurance. Please click on a question to get the relevant answer.
Do I have to get car insurance? What happens if I don’t have car insurance? What types of car insurance are there? Where can I get car insurance from? Why do the costs of policies vary so much? How do I keep my costs as low as possible? How does a ‘no claims bonus’ work? How do I make a claim?
There are a few steps you can take to drastically lower you the cost of your car insurance. Storing your car in a garage or using a drive way is viewed by the insurance companies as lowering the risk of accident or vandalism. The security of your car will also effect the price of insurance. Tracking devices and electronic wheel locking can drive down the costs of insurance by reducing the risk of theft. Using your car less can also drive down the cost as many insurers will consider mileage when setting the premium.
Paying a higher level of voluntary excess is one of the most effective way to lower your insurance premium. Agreeing to pay the first £200 rather than £100 of any claim should have a significant effect.
Only Insurance Ltd is authorised and regulated by the Financial Services Authority, FSA registration number: 313649. Our registered offices are 1 Kings Avenue, Winchmore Hill, London N21 3NA, company number: 05223009. Telephone 0207 377 1805.