When purchasing virtually any product, although it may not be at the top of the list, cost generally plays an important factor.
There are hundreds of insurance providers out there all vying for your custom and it is worth just reminding everyone to carefully check and compare the provisions and benefits offered by potential insurers.
Do not simply assume that if two insurance brokers quote you premiums with the same insurance company that the two policies on offer will be identical – they probably won’t be.
The chances are that the cheaper insurance premium will not include as many benefits as the more expensive. You could even find that the cheaper policy doesn’t include a free courtesy car or the total loss settlement offer in respect of any claim from the lower premium policy could be calculated differently.
As an example, look for:-
• Policies that offers reduced premiums for those that drive fewer miles
• Guarantees your No Claims Bonus will not be affected if you are the innocent victim in an accident with an uninsured driver
• Policies that permit named drivers to earn their own no claims bonus whilst on your car insurance
• Offers the option to pay monthly at a reasonable interest rate
• Has a first class claims processing reputation
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