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Perhaps you just started learning to drive, are a student, or are a seasoned motorist in your late 70s, you’ll get a wonderful opportunity of searching for the most significant price on your car insurance if you use help2compare.co.uk. You can access quotes from a wide range of car insurance providers in the UK by using the price comparison service.”
This is the reason why experienced drivers who spent decades behind the wheel and those holding a provisional license turn to help2compare.co.uk regularly. We offer access to an unbiased insurance comparison forum, to compare quotes in just a few minutes, without charging a penny.
Guideline for Car Insurance
Various kinds of insurance are optional in the UK, but having car insurance is a legal requirement. A Statutory Off-Road Notice (SORN) is the only exception, which means the law doesn’t permit the car to be driven on public roads; thus, there is no need for insurance.
Nonetheless, if you can’t ignore the amount of insurance on your car, you can commonly take steps to increase the chances of finding the cheapest car insurance. In the first place, understanding the factors insurance companies take into account when measuring your insurance premium can help you decrease their cost.
Excess Amounts
Most policies offer two different excess amounts. One is an integral part of the insurance and is set by the insurer. In the second one, the driver has a chance of setting themselves, and refers to ‘voluntary excess’.
You could agree to a higher voluntary excess in order to decrease your premium. This almost always cuts off the advance cost of your car insurance policy. However, remember one thing that you’ll have to pay additional costs yourself in case you need to make a claim, or if a third-party claims on your insurance when you were at fault.
What information do I need to provide?
The insurance company will ask for the following details about your vehicle:
Make and model
Security features
Insurance Group
Engine size
Mileage
Age
If it has been modified or not
If it’s an imported car
Does age matter?
Road traffic accident data and insurance claims data, both illustrate that young drivers are more prone to greater insurance risk than older drivers. This is because young drivers tend to take dangerous risks when behind the wheel.
Thus, according to this data younger drivers usually get higher premiums, whereas, older drivers often find that they are provided with the cheapest car insurance premiums – specifically, if the old car drivers have built up an NCD (No Claims Discount) for the 20 years or more.
Why do Car insurance companies ask for location?
To know the car crime rate, your location is necessary for the insurance providers. Your area’s crime levels can tell if you should be offered a cheap or much more expensive car insurance premium.
Besides car crime, if you live in a highly-populated area, you are more prone to engage in an accident than those living in the countryside. Thus, people of large urban areas pay more premiums for car insurance.
Lastly, the parking place of your car also influences the cost of insurance. People who park their cars in a garage or on a driveway have lower insurance premiums.
Does occupation count when getting car insurance?
Yes, your occupation impacts your car insurance premiums if you drive the car to your office because this means that you’ll have greater mileage, more driving time, and a higher risk of being involved in an accident.
However, if you don’t use your car to drive to the workplace, your occupation still impacts the cost of your premiums since many insurance companies use it as a proxy for risk appetite of the drivers.
Driving History
Driving history consists of two factors – how long have you been holding your full licence, and whether or not you have any driving conviction or points in that licence.
As mentioned earlier, provisional licence holders will have much expensive car insurance, but you can possibly reduce the costs by opting for temporary learner insurance rather than taking out an annual policy.
You’ll have much more expensive insurance when you first get your licence, but slowly it becomes cost-effective, given that you don’t have any driving convictions or points added to your licence.
Why is medical history taken into account?
There are a number of diseases and conditions that could undermine a person’s ability to drive. If you’re diagnosed with any of them, it’s possible that you’ll have much higher premiums. The chances of increasing medical conditions as you get older; therefore, the medical history of older people can have a significant impact on the costs of their car insurance.
Why choose us?
Help2compare.co.uk is a free online platform that through its partnership with Quotezone offers its customers access to a wide panel of car insurance providers.* With more than 100 providers, you could find the perfect deal for you. All you need is your car information and driving history, and thus, get access to the best yet most affordable policy for you. Compare your quotes now, since you have access to a broad range of insurance providers, and find a deal that best matches your needs and budget.
The information contained within this webpage is for editorial purposes only and not intended as financial advice.
* Help2Compare.co.uk is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA). Quotezone is a trading style of Seopa Ltd. You can check this out on the financial services register at https://register.fca.org.uk/. FRN: 313860. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd.