Choosing Your Car Insurance
There are many many car insurers around
these days with new ones springing up every week so it is worth
knowing a few things about car insurance before you choose. There
are three main types of car insurance; third party only, third
party fire and theft and fully comprehensive. Third party only
insurance is the least expensive type of cover, however this does
not cover your car for fire or theft. This will only cover the
repairs made to a driver's car and medical costs to the occupants in
the event of you running into them. It will not cover repairs or
medical costs for yourself. Third party fire and theft
insurance covers you for third party and also if your car is set on
fire or stolen. This type of insurance can be significantly cheaper
than fully comprehensive cover especially for young drivers with
cars under the value of £1000. However it does not cover your car if
the accident was your fault. Fully Comprehensive insurance
cover covers all the above and also will pay for your car repairs
even if the accident was your fault. It is the best suited to owners
of more expensive cars as in the event of an accident, it can mean
saving on hefty repair costs. There are many factors upon which the
cost of your car insurance will depend and your quote can vary quite
dramatically from insurer to insurer. This is because each insurance
company usually has its speciality. For instance some car insurers
are able to offer more experienced drivers better premiums. It is
well worth getting a quote from at least ten insurance companies
when choosing car insurance because as mentioned before, they vary
greatly. The internet has made it easier to shop around for your car
insurance but it can still be frustrating filling in the forms time
and time again. A brilliant web tool to use for insurance quotes is
confused.com, where you enter your details just once and it brings
back the results for the most popular insurers, as well as
independent ones which can be just as good. Most people look for the
cheapest insurance but do listen out for the opinions of your
friends and family on their experiences of service from insurers as
this is important, there is not point in having the cheapest
Once you have chosen your insurer and used
them for a year, it is still advisable to have a look round at
renewal time for better quotes if only just to keep your insurer on
it's toes!
Contact us on 01795 841007 or drop us an email to
info@tomsettkent.com
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