When you begin comparing car insurance policies, you may wonder how to sort through all of the information that you have before you to find the right policy. There will certainly be a lot of information distributed to you when you begin comparing rates, and you will want to look through as much as you can to know which policy is best for you.
Deciding Which Type of Policy You Need
First, when you begin a comparison, you may be able to choose a specific type of policy to perform the comparison on. This is generally the best way to compare quotes because it will allow you to compare similar policies. If you compare a third party policy to a comprehensive policy, you may not be able to understand why there is such a large difference in price. Since the comprehensive cover will provide more in-depth cover on your own vehicle, it is more expensive than simple third-party cover.
When doing a comparison, the most important thing to look at is how much the policy will cover. If you simply compare price, you may not fully understand exactly what will be covered under your policy when you choose to buy it.
Providing the Right Information when Comparing Quotes
Another thing that you will need to do in order to make sense of your car insurance comparison is to provide complete information so that your rates will be calculated accurately. Your car insurance rates are assessed on a number of different personal factors, so leaving out any of this information may cause confusion when you actually go to purchase your policy. For example, you may have a higher premium based on your age, gender, previous driving record, etc. When making a comparison, enter all of this information so that you will know that the quotes you receive are correct.
For every year that you do not file a claim with your insurance company, you will be entitled to a No Claims Discount on the premium that you have paid. The no claims discount that you are offered will vary tremendously, and while this money is not guaranteed, it can significantly reduce your yearly premium if you routinely practice safe driving habits. However, your no claims discount will be revoked if you make a claim or if another person makes a claim on your policy.
Understanding the No Claims Discount
When you are comparing insurance rates, make sure to take note of the no claims discount that you will be offered. You can also contact an insurance company directly to see if you are eligible for additional discounts.
Once you have selected the policy that you want to buy, you can complete the entire process online. You can quickly and easily complete all of the applicable documents and have a temporary card issued to you that you can print out as soon as you have paid for your new policy. If you are in need of an insurance policy quickly, shopping online can help you find all of the information that you need an assortment of policies to meet your needs.
To get a full summary of available policies and to begin comparing quotes, you can navigate to the homepage so that you can begin the process of finding your next insurance policy. Shopping online for an insurance policy has become simpler than ever, and you can now compare several different policies and rates until you find the one that is most suitable for your needs. If you are looking for the most affordable policy, comparing rates online is the simplest and most convenient method to use.
Compulsory Car Insurance
Car insurance became compulsory for all drivers in the UK in June 2011. The new law has made it necessary for anyone who wants to operate a vehicle in the UK to obtain car insurance. The rule applies to all types of motor vehicles including automobiles, vans, motorbikes and motor homes. There are serious consequences involved for anyone who is caught driving without valid insurance. The only way that a vehicle owner can get around the requirement is by making a statutory off-road notification or SORN for it. Learn more about the compulsory car insurance law and how it works below.
Unless a vehicle has been declared SORN, its owner must purchase car insurance for it. Even if you own a vehicle and never use it, you will have to buy coverage for it unless you declare SORN. This law was actually put into effect in order to keep insurance costs under control. Previously, many drivers chose not to buy or use automobile insurance. In turn, those who did carry such coverage often had to bear most of the financial burden in the wake of car accidents. It is hoped that the new law will spread out the financial risk more fairly.
If you decide to operate a vehicle in the UK without car insurance, you can expect to deal with increasingly severe consequences. The first infraction will result in a stern warning letter. If you are caught without insurance again, you will have to pay a fine of £100. With any luck, that will compel you to buy car insurance. If it does not, and you are caught a third time, your car could be seized or even destroyed. Additionally, you could face a fine of up to £1,000. At that point, you will wish that you had purchased the insurance in the first place.
Who is Responsible?
By law, the registered keeper of a vehicle in the UK is responsible for buying insurance for it. If you own a car and allow someone else to use it, it is still your responsibility to make sure that it is covered by car insurance. The DVLA has been issuing warnings to registered car owners to remind them about the compulsory car insurance requirement. Instead of waiting until you receive a warning, you should start shopping for coverage. By considering several options, you are more likely to find a great deal.
Registering a Vehicle as SORN
In order to avoid paying car insurance for a vehicle that you never operate, you are now required to register it as SORN. Luckily, this is easy enough to do. Please note that you must renew this registration every year. However, it is absolutely free. You can submit the appropriate form on the DVLA website, which simplifies matters. You will need to provide a reference number that can be found in your car’s logbook. It is also printed on your tax discs. Keep in mind that it is illegal in the UK to drive a car that has been registered as SORN.
In order to stay legal while you are on the road, it is imperative to buy car insurance. There is no way around this rule, and you can expect to face consequences if you choose to defy it. If you think that finding cheap car insurance is impossible, think again. You can use www.carinsurancecomparison.co.uk to compare and contrast several different options. By submitting a small amount of information, you will be able to access several car insurance quotes. Auto insurance is mandatory, but you definitely do not have to pay too much for it.