Car Insurance Tips for Best Motor Insurance Quotes
Here is a list of tips which you can use to help get the best value motor insurance quotes from UK insurance companies:
1) Please ensure that you do not increase the best value of your motor vehicle in the hope that in the event of a claim your insurer will pay out more than the motor vehicle is worth. This will not happen! Your insurer will only pay the market best value of the vehicle.
2) You may stand to receive significant discounts should just you or you and your wife are named on the policy. The more drivers there are, the more expensive the premium.
3) In the event of a claim, you will have to pay an excess. You can volunteer to pay a higher excess and thus reduce your motor insurance premium substantially.
4) If your vehicle is not fitted with an immobiliser, then run a quote through as though one has been fitted, to see what saving can be made to your motor vehicle insurance quote. It may be financially viable to have one fitted. Please note that most vehicle insurance companies require proof that the immobiliser has been fitted.
5) Often, if your vehicle is worth over £3,000.00, it can be cheaper to insure your vehicle comprehensive, than to insure it Third Party Fire & Theft or Third Party Only.
6) Motor car value - Please ensure that you do not inflate the best value of your motor car in the hope of getting more in the event of a claim. Insurers will pay out the market value of your car at the time of an accident. To check the best value of your car please log onto: http://www.parkers.co.uk or http://www.glass.co.uk
7) No claims discount - Always ensure the car in the name of the main driver, if a young driver is going to be the main driver then he/she should be the policyholder rather than the mother or father. Failure to do this could invalidate a claim. We are able to offer introductory no claims discounts for drivers with experience or those with pass plus certificates. Please consult http://www.dvla.gov.uk
8) Excess - If you wish to reduce your motor insurance premium, it may be worth your while considering an excess. This means that you pay the first part of any claim.
9) Medical - Please let us know of any medical restrictions that apply to your policy. For the latest DVLA restrictions on this please look at the DVLA website on http://www.dvla.gov.uk
10) Security - If your vehicle does not have an immobiliser, it may be worth you fitting one. This could reduce your premium substantially. Please access one of the following sites for more details http://www.tgplc.com or http://www.gap-security.co.uk
11) Endorsements - If you are not sure on the length of time your convictions are still on your licence for please consult http://www.dvla.gov.uk. It is vital that you disclose all convictions that are relevant. Failure to do this is non-disclosure and is a breach of policy conditions.
12) Cover - If your motor vehicle is worth £4000 or less, it may be worth you insuring it third party fire and theft rather than comprehensive. Phone us for advice on this.
13) Make and model - If you are not sure on the specific make and model of your vehicle, please phone one of our staff who will help you with the choices. Phone us on 08 707 707 011.
14) Accidents - If you have a claim that has not yet been settled, please enter this as a fault claim on the web site. Otherwise you may be asked to pay an additional premium at a later date.
