What Levels of Cover are There?

There are three main choices of car insurance to choose from. We can help you make the right decision with our helpful guides.

Third Party, Fire & Theft

This covers your vehicle against fire damage and theft. It also ensures that other people, their vehicles, and property are covered.

You can read more about third party, fire, and theft insurance here.

Read the Guide

Fully Comprehensive

This level of insurance provides the most cover possible. It includes cover against, damage to your car, fire damage, theft, and any repair costs. Along with this your insurance will also cover any damage to someone else’s car or property.

You can read more about fully comprehensive insurance here.

Read the Guide

Third Party

This is the most basic level of cover; it is the legal minimum amount of cover that can be offered. It only covers other people, their property, or their vehicles.

You can read more about Third Party Insurance here.

Read the Guide

How it works

In just a few moments you can compare dozens of quotes to pick the right cover for you and your vehicle. Simply tell us a little bit about who you are, what car you are looking to insure and the type of cover you need and we'll do the rest.

1. Tell us about yourself

We need a little bit of information about you to start your quote. This will include your name and address and information about your driving history including any recent convictions or incidents.

2. Tell us about your car

Tell us about the car you want to insure, whether you own it already or it's a car you're looking to buy or lease.

3. Tell us what you need

The level of cover you require, ie 3rd party fire and theft, 3rd party or fully comprehensive and any other insurance requirements such as no claims bonus protection, car key protection, windscreen protection etc.

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How can I get cheaper car insurance?

There are some simple steps you can take to reduce the cost of your insurance. Take as many of the following steps as possible to reduce the cost of your quote.

1.

Never Auto-Renew

When your insurance policy reaches its end it will likely be automatically renewed by your existing provider when your polcicy ends. You should always check that your renewal quote offers the best value for money, in most inctances you can make siginificant savings compared to your renewal quote by comparing quotes with VU Compare.

2.

Pay Annually

In most instances paying your insurance in a lump sum can avoid interest charges that are applied by paying monthly. All though it can feel like a siginificant outlay up front, it is almost always cheaper in the long run.

3.

Telematics

A policy with telematics comes with a "black box" or app to monitor your driving habits. This can be an excellent opportunity to demonstrate sensible driving habits and can be an opportunity for younger drivers to earn lower insurance premiums.

4.

No Modifications

As modification work is done outside the factory the quality of the modification an/or work to install it can not be guarnateed. Therefore having performance enhancing, or body work modifications will typically push up the price of your insurance policy. Secondly any changes to audio and techinal equipment can add signiicant cost to any replacements or repairs.

5.

You and your car

Spend a bit of time to make sure you correctly estimate your annual milage. Being accurate with the milage you enter ensures that you're not paying for miles you aren't driving.

6.

Extra Security

It is possible to reduce the value of your car insurance premium by adding additional security. Adding a Thatcham-approved alarm or immobiliser can attract a discount with some insurance providers.

HOW IS MY INSURANCE QUOTE CALCLUATED?

There are a whole host of factors that go into deciding how much an individual’s car insurance should cost and no two quotes are the same.

In general, the cost of car insurance tends to fall as you get older. Younger drivers typically pay significantly higher premiums than people aged 30 or more. Those over 50 tend to pay even less still. This is because younger and less experienced drivers have a higher propensity to claim than older drivers.

Unfortunately, some areas of the country suffer from higher rates of theft and vandalism than others, particularly in larger cities. This increases the risk of something happening to your can and as a result your premiums could be higher.

The more you drive, the more likely you are to make a claim against your insurance. As a result, your annual milage has a direct affect on your insurance premium cost.

Where you keep your vehicle has a large influence on your insurance premium. Vehicles that are securely stored overnight and are not easily accessed are siginificantly less likely to suffer incidents and therefore less likely to be involved in an insurance claim.

There are two primary facets to how your personal history can affect the price of your insurance renewal quote. Firstly, any driving related convictions you currently have will increase the cost of your renewal quote. Secondly your recent claims history has a siginificant impact on your insurance premium cost, if your recent past has numerous claims in it any potential insurer will assume that pattern of behaviour will continue.

Adding addditonal drivers to your policy increases the your insurance premium, but this is increased significantly where the additonal driver is under 25 years of age. Insurance companies work on the premise that with additional drivers on a policy, the vehicle is more likely to be in use more often which increases the likelihood of a claim. This is again, further maginified if the driver is under 25.

The amount your are willing to pay in the event of a claim tells and insurance company that you are going to be serious in the claims you submit. Lower voluntary excesses tends to signal that a person is more likely to submit a claim for smaller or more frivilous amounts.