Cheapest car insurance UK

When looking for the cheapest car insurance UK policy, it’s bewildering to discover how many insurers promise you the best deal. There are quotes from companies that only serve a pre-determined age group, in addition to car insurance comparison engines that target drivers with a strong no-claims discount. So – where do you start?

Firstly, you need to be sure that comparison engines that claim to offer the cheapest car insurance UK are impartial, as some may have been paid in order to promote and advertise car insurance at the top of their search results, even if you won’t receive the best deal from them.

A good car insurance comparison UK website will feature recommendations that are based on your individual circumstances only. For example, you should be able to search by age range, car type and by specifying any benefits you would like to receive from your policy. When all of your matches return, it will also be possible to manipulate possible policy matches in order of lowest price, highest price, and recommendations from other visitors to the comparison website you are using. Also, do look out for bullet-pointed lists of the pros and cons of choosing a certain insurer. For example, even though you may be able to pay monthly without incurring an admin charge, the unusually high excess on your policy may offset any savings that you could have made anyway.

The dilemma of getting the cheapest car insurance UK

With trivial household items, getting the cheapest can be best, as opting for a more expensive purchase actually offers you no advantages. However, with car insurance, receiving a generous discount won’t always benefit you financially; indeed, it could cost you more than you may have initially hoped.

Here’s why: the cheaper the policy you may get, the less you will be covered for in the event of an accident. You could find that even though your insurance provider will offer you financial assistance in the event of an incident to pay off the damages made to the other party’s vehicle, you would have to stump up for your own vehicle’s repairs. Alternatively, if your insurer does cover all of the eventualities that may occur on the road, there may be a situation where you have to pay hundreds of pounds in excess before your insurer will contribute the rest. Although this is ideal if you want to drive down the cost of your premiums, it will be a nightmare if your income won’t allow you to afford such a high excess unexpectedly. In many scenarios, you could be left with your car out of action until you have saved enough money to get moving again.

The moral of the story is this: the cheapest car insurance UK providers’ policies may have wonderful advantages for your wallet in the short term, but can be disastrous in the long term. Moreover, if you aren’t using a car insurance comparison engine like ours, you may not be given all of the best deals that the market currently offers.