MOTOR VEHICLE INSURANCE FINDER

 

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UK VEHICLE INSURANCE ONLINE A - Z

 

No matter what car, van or bike you drive, we're all looking for great value and quality in our UK motor insurance?  But who is the best - who is the cheapest and who offers the great service in the event of a claim?

 

See the insurance companies below who claim to offer competitive cover at sensible prices, our guide to the jargon and tips for cutting your quote - Good Luck:-

 

 

1ST QUOTE

4YOUNG DRIVERS.CO.UK

17 TO 40

A QUOTE INSURANCE

AA CAR INSURANCE

ACCEPT DIRECT

ADMIRAL CAR INSURANCE

ADRIAN FLUX - SPECIALIST INSURANCE

ASDA CAR INSURANCE

AUTOTRADER

AXA

BARCLAYS

BELL

BUDGET

CENTRAL DIRECT VEHICLE INSURANCE

CHURCHILL

COMPARE THE MARKET

CONFUSED.COM

CORNHILL DIRECT

DIAL DIRECT

DIAMOND

DIRECT LINE

EAGLE STAR

EASY MONEY INSURANCE

ECARINSURANCE.CO.UK

ELEPHANT.CO.UK

ENDSLEIGH

EQUITY RED STAR MOTOR POLICIES

ESURE

FOOL.CO.UK

FORD CAR INSURANCE

FORTIS

GROUPAMA

HALIFAX ONLINE CAR INSURANCE

HASTINGS DIRECT

HSBC car insurance

INSURANCE NOW.CO.UK

INSURE.CO.UK

ITS4ME

JOHN F WHIPPY

 

 

KWIK FIT

LADYBIRD FOR WOMEN

LEGAL & GENERAL

LIVERPOOL VICTORIA

LLOYDS TSB CAR INSURANCE

LOCAL BROKER.CO.UK

MASTER QUOTE

MARKS & SPENCER

MONEY SUPERMARKET.COM

MORE THAN - Sun Alliance

MOTOR QUOTE DIRECT

MOTOWORLD

N.I.G CAR INSURANCE

NORWICH UNION

PEOPLES CHOICE

PERFORMANCE DIRECT

POST OFFICE

PRIVILEGE

PROVIDENT FINANCIAL

PRUDENTIAL

QUOTE DIRECT

RAC

ROYAL & SUN ALLIANCE

SABRE INSURANCE

SAGA

SAINSBURYS BANK

SCREENTRADE CAR INSURANCE

SHEILAS WHEELS

SMARTER MONEY.COM

SONAR DIRECT.CO.UK

SWIFTCOVER

QUICK CAR QUOTE

QUINN DIRECT CAR INSURANCE

QUOTE ZONE CAR INSURANCE

TESCO 

THE INSURANCE CENTRE

TINY QUOTES.CO.UK

VIRGIN

YES INSURANCE.CO.UK

YOUR FINANCE.BIZ

ZURICH

 

 

 

US AUTO INSURANCE A - Z

 

Car Insurance.com

 

 

US  AUTO  INSURANCE  A - Z

 ALABAMA

ALASKA

ARIZONA

ARKANSAS

CALIFORNIA

COLORADO

CONNECTICUT

DELAWARE

FLORIDA

GEORGIA

HAWAII

IDAHO

ILLINOIS

INDIANA

IOWA

KANSAS

KENTUCKY

LOUISIANA

MAINE

MARYLAND

MASSACHUSETTS

MICHIGAN

MINNESOTA

MISSISSIPPI

MISSOURI

MONTANA

NEBRASKA

NEVADA

NEW HAMPSHIRE

NEW JERSEY

NEW MEXICO

NEW YORK

N & S CAROLINA

N & S DAKOTA

OHIO

OKLAHOMA

OREGON

PENNYSYLVANIA

RHODE ISLAND

SOUTH CAROLINA

SOUTH DAKOTA TENNESSEE TEXAS UTAH VERMONT

VIRGINIA

WASHINGTON

WEST VIRGINIA

WISCONSON

WYOMING

 

 

 

Shopping for car insurance (often referred to as ‘motor insurance’) has traditionally been a painstaking but necessary task. From fully comp to third party, finding the right deal from numerous UK car insurance companies can prove to be an overwhelming challenge using a telephone. However, there’s more to a search than just finding cheap car insurance. You need to ensure you get the cover to suit your needs as a motorist and to understand some of the terms used. Here are some factors you should consider:

 

 

 

THE RIGHT POLICY

 

What type of car insurance is right for you? It is illegal to drive in the UK without insurance and therefore the minimum standard of cover you can take out is ‘third party’. This covers:


· Liability for injuries to others, including passengers.
· Liability for damage to someone’s property.
· Liability of passengers for accidents caused by them.
· Liability arising from the use of a caravan or trailer while attached to the car.

Next comes ‘third party fire and theft’ which will also pay out if your vehicle is stolen or set on fire.

 

A comprehensive (normally known as ‘fully comprehensive’) car insurance policy will pay-out for all of the areas covered by third party fire and theft with the addition of paying for any damage to your own vehicle regardless of who caused the accident. It also covers loss of, or damage to, personal effects in the car.

 

Business car insurance (also known as ‘commercial car insurance’) meets the needs of small businesses with company vehicles.

 

Though polices vary between individual car insurance companies, benefits typically include a courtesy car, free cover for driving in Europe and, in some cases, legal aid when the accident is not your fault. These benefits may incur an extra cost.

 

We all know car insurance is an expensive business – but where does our money go? One factor rarely considered when making a claim is how your car insurance premium is used – yet this information may help you choose your cover wisely and make a more informed choice on the cover you opt for.

 

 

WHERE THE MONEY GOES

 

The money you pay on your car insurance is not merely set aside in case you need it – instead it is put into one big pot. Here’s a breakdown of where the money from your premium goes:

· 50% for claims.
· 25% for legal and administrative costs.
· 25% for costs of running the company.

These numbers vary between insurers. Some are better than others at saving and on cutting their overheads.


Most of the money paid out on car insurance claims is paid on property damage. Collision damage makes up about 50% of an insurance company’s total expenditure. However, this is a relatively small amount when taken in context with medical expenses and personal injury claims because the most an insurance company will ever pay out is the ‘fair market value’ for your vehicle. That is why collision and comprehensive cover costs companies a lot of money.

 

Insurance companies also spend a lot of money processing and settling claims. There is little that can be done to avoid these expenses but in part six we examine excess charges and their benefits in cutting these costs.

 

Additionally, advertising, staff and commission payments further increase the costs of running an insurance company – the best way to avoid these costs is to buy online.

 

Now you know about where your money goes, move on to part three for details on legal requirements and making a claim.

 

 

LEGAL REQUIREMENTS

 

The law requires that any vehicles of three years old and over have a valid MOT certificate. You are unable to tax a vehicle without an MOT and certificate of insurance and driving a car without these is an offence.

 

The Road Traffic Act states that all motorists must be insured against their liability for injuring other people (including passengers) and for damage to other people’s property. It is also vital to keep your insurance company up-to-date including vehicle modifications and fixed penalties as it is an offence not to – and it may affect any claim you make.

 

Most insurers will issue the following documents:


Certificate of insurance – You will need this to buy your road tax.


A cover note - It acts as a temporary policy and certificate until your new insurance policy has been set up.


Policy document – This tells you everything you are covered for.

 

MAKING A CLAIM

 

Most car insurance companies will have a claims help-line with certain office hours. Some will offer an accident emergency recovery hotline for outside those hours if you have the addition of roadside recovery as part of your claim.

 

It is worth discovering beforehand if your insurer will immediately authorise repairs from recommended agents and in the event of a theft does your insurance include cover for personal belongings or replacement locks? It’s also worth checking whether a courtesy car is included in the price quoted, and if so, for how long –your own car may be off the road for a number of weeks after an accident and hire cars can be expensive.



JARGON BUSTER

 

Car insurance can be a minefield of difficult terminology and confusing jargon. Moneysupermarket.com wants to help you find the right car insurance deal for you and so we’ve compiled a guide to help bust through the jargon.

ABI Group – Your car will be given a specific ranking based on the level of risk involved with each car type and model.

Approved Repairer – Repairers recommended by your insurers.

DOC Cover – Otherwise known as Driving Other Cars.

Fault/Non-Fault Claim – A non-fault claim is when the insurer can recover the costs from someone else. A fault claim is if they cannot recover the costs regardless of whether the accident was your fault.

Indemnity - Insurance policyholders are put in the same financial position after a loss as they were immediately before it.

IPT – A Government tax charged as a percentage of premiums.

Loss adjuster – Investigates the legitimacy of claims.

Material fact – Failure to disclose material could invalidate a policy, such as driving convictions.

S D & P - Social Domestic & Pleasure. A description of how you plan to use your car.

Settlement – When an insurer pays a claim.

TPO – Third Party Only.

Under-insurance – For example insuring your car for £8,000 when the car is worth £10,000. Insurance companies will almost always scale down claims as a result.

ULR cover – Uninsured loss recovery – better known as legal expenses cover, which you can add on to your policy.

Uninsured losses – Elements not covered by your policy such as hire charges.

Underwriter – Person who decides whether to accept a risk and calculates the premium.

SEE OUR GLASSORY OF TERMS

 

WHY DOES INSURANCE COST SO MUCH

 

When deciding which type of benefits are right for you it can often help to understand the perspective of the car insurance company. These include:


Age/sex – Younger drivers and learner drivers are less experienced and therefore considered more likely to be involved in an accident. Some companies now also offer lower premiums for women, who statistics have proven are involved in fewer accidents than men.


Insurance Group
– Most cars are given an insurance group ranking based on the level of risk involved with each car type and group (often based on likely repair costs). Generally, high-powered performance cars will be in the highest group (up to ‘20’), whereas a small car will be generally lower ranked and therefore should receive cheaper car insurance.


Cost of vehicle
– If you drive a classic or performance car you can expect to pay a higher premium as these cars generally cost more to repair than others.


Engine size – The more powerful the car the more likely it is to be involved in a high-speed accident.


Your occupation – If you are driving as part of your job you are more likely to be involved in an accident than someone who, for example, only drives at weekends.


Where you live – Higher density of traffic and higher crime rates can make your car more susceptible to an accident or theft respectively.

Your history – The more accidents you have, the more expensive your cover is likely to be.

 

 

BENEFITS and EXTRAS

 

The benefits available vary between car insurance companies. Of course the more benefits you add, the more expensive your premium. The most common example is the addition of a free courtesy car in the event that your vehicle is off the road due to an accident. Legal protection too can be considered, and some companies will offer legal help following a ‘not at fault’ incident. Roadside breakdown service is also on offer from some car insurance companies but not all – it often proves cheaper to shop around. Also, it is worth deciding whether it’s worth paying extra for overseas driving cover.

 

There are also ways to reduce your premium and get a more competitive quote:


No claims bonus – Each year you insure your car and do not make a claim you build up a ‘no claims bonus’ (sometimes known as ‘no claims discount’). In some cases a five-year no claims bonus can save you 65% on your premiums.

Protected no claims bonus – This allows you to pay a premium so that in the event of an accident you don’t lose your no claims bonus. Although it costs extra to protect your no claims bonus, you’ll save pounds in the event of any claims you do have to make.


Excess charge – Many companies issue policies that have a ‘compulsory excess’ (and sometimes a ‘voluntary excess’). This refers to the amount of money you are willing to pay in the event of an accident. So if your excess was £100 and the total cost of repairs was £300 then you would pay £100 and the insurance company would also pay £200. However, if the cost of repairs was £100 or lower you would pay the total cost. The more money you’re willing to pay in excess, the lower your premium.

 

 

OTHER FACTORS TO CUT YOUR COSTS

 

In addition to no claims bonus and excess charges seen above there are many other factors to help lower the cost of your car insurance premium:

Parking location – for maximum benefit keep your car parked in a locked garage overnight. If you don’t have access to a garage, then parking on a driveway is viewed as less of a risk than parking on the street.

Mileage – Update your estimated annual mileage each year. If you change jobs and have a shorter commute you could save cash.

Learner drivers – Extra lessons with the Pass Plus scheme can cut premiums by as much as 35%. Motorists who pass an ‘advanced driver’ course can also see their premiums reduced.

Marriage – Married men attract lower premiums than single men.

Car security – A car alarm, immobiliser or tracker makes it less likely that your car will be stolen and therefore should reduce your premium.

Don’t speed – The higher the number of speeding offences, the more expensive your car insurance is likely to be.

Satellite Navigation – Some insurers could cut costs for drivers with the satellite navigation facility.

Parents – Adding teenagers to your policy can significantly increase the cost of your policy. If it is unavoidable then try and keep them on your insurance for the minimum amount of time – for example during the holidays.

Young drivers – The reverse is true for younger drivers because adding a parent to your insurance, or an older, more experienced driver, can cut costs.

Optional extras – Only select to have a courtesy car or cover for legal expenses if you really need them.

Modifications – New wheels, seats, colour changes and adding a spoiler are all changes that could add to your premium.

Avoid monthly premiums - Most insurers charge a fee for this service. The fee ranges from and Annual Percentage fee of 13% up to 29% APR. You can avoid this by taking out a credit card with an introductory interest free offer.

 

 

SHOP AROUND

 

The internet has made shopping around easier without the need to wait on call centres. In addition, some insurers will offer as much as a 20% discount to people who buy their car insurance online.

Broadly there are four options available when researching and buying car insurance. These are:

Insurance Brokers – Aim to deliver the customer choice by utilising their computer systems. However, a broker can only ever present the insurers he has deals with.

Direct Insurers – They cut out the middleman because commissions paid to brokers can be saved if the insurer gives the benefits to you. These include: Direct Line, e-Sure, Admiral, Hastings, 1st Alternative, Churchill, Privilege, Norwich Union Direct and Cornhill Direct, Moreth>n, Elephant and Budget.

Branded Providers – Established names who have added insurance to their extensive list of products. These include: Virgin Money, Tesco, Sainsbury’s, MBNA, Marks and Spencer, the Post Office, the major car dealerships and Kwik Fit.


Full Search Provider – With a full search provider you are able to enter your data and then a full search of the market is performed to return a list of potential car insurance providers that will include insurers, direct insurers, brokers and UK brands.

If you’re concerned the cheapest quotes are from insurers you’re unfamiliar with, why not find out more about the company’s financial reliability? This can be done through the Standards and Poors website. Their ratings work as follows:

AAA Extremely strong
AA Very strong
A Strong
BBB Good
BB Marginal
B Weak


We hope the above information coupled to our comprehensive A to Z directory of vehicle insurers, will make the task of finding the best policy for you an easier job.

Now you’ve got enough to get you started, so good luck finding your perfect policy from the Speedace team.

 


 

 

 

A - Z DIRECTORY of MOTOR MANUFACTURERS

 

Abarth

AC

Alfa Romeo

Allard

Alvis

Amphicar

Aprilia

Armstrong Siddeley

Aston Martin

Audi

Austin

Austin Healey

Auto Union

Bedford

Benelli

Bentley

Bertone

Bizzarrini

BMW

Bristol Cars

BSA

Bugatti

Buick

Cadillac

Cagiva

Caterham

Chevrolet

Chrysler

Citroen

Daewoo

Daihatsu

Daimler

Datsun

Davrian

Delahaye

DKW

Dodge

Ducati

Du Pont

Dutton

Facel Vega

Farina

Ferrari

Fiat

Ford

General Motors

Gentry

Gilbern

Gilera

Ginetta

Gordon Keeble

Gregoire

Hanomag

Harley Davidson

Heinkel

Hillman

Honda

Hummer

Husqvarna

Hyundai

Indian

Iso

Isuzu

Jaguar

Jeep

Jensen

Jösse

Kawasaki

KIA

KTM

Lada

Lagonda

Lamborghini

Lancia

Land Rover

Laverda

Lexus

Leyland

Lincoln

Lotus

Marcos

Maserati

Mazda

Mercedes Benz

MG

MGB

Mini

Mitsubishi

Morgan

Morris

Moto Guzzi

MV Augusta

Nissan

Nelson

Norton

Oldsmobile

Opel

Packard

Panhard

Panther

Peerless

Pegaso

Peugeot

Pininfarina

Pontiac

Porsche

Reliant

Renault

Riley

Rolls Royce

Rover

Royal Enfield

Saab

Sachs

Seat

Skoda

Smart

Standard

Steyr-Puch

Studebaker

Suburu

Sunbeam

Suzuki

Swallow

Toyota

Tata

Tatra

Treser

Triumph

TVR

Unipower

Vanden Plas

Vauxhall

Vespa

Volkswagen

Volvo

Wolseley

Yamaha

Yugo

 

 

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