Car insurance buying tips

Car insurance companies – what to look for when buying motor insurance

Car insurance companies may seem to offer very similar motor insurance products, and whilst motor insurance policies must under the Road Traffic Act of 1998 provide the minimum about of cover, this does vary between car insurance companies.

When deciding on the level of motor insurance that’s right for you, you basically have three options:

Third party motor insurance
Third party fire and theft motor insurance
Fully comprehensive motor insurance

See What level of cover should I choose? for more information…

The precise level of cover provided by these policies does vary between car insurance companies – so always read your motor insurance policy document to be sure you get all the cover you need. Here are a few questions you may want to ask when choosing a car insurance provider:

What level of ‘no claim discount’ will I receive?
Some car insurance companies don’t acknowledge the value of drivers who haven’t made a claim in the past.

CoverGirl can offer you a discount of up to 30% on your motor insurance if you’ve got a no claims record.

How will security features on my car affect the car insurance premium?
Car insurance companies rate additional security features differently when settling motor insurance premiums.

CoverGirl Car Insurance Services realise that additional security can discourage thieves and reduce the risk of your car being stolen or broken into. If you have a recognised car immobiliser or tracker this will reduce your premium by a significant amount. If you are planning to fit security devices to your car, please call our motor team for advice on which devices will cut the cost of your motor insurance premium the most.

Can I drive abroad with my standard policy?
Most CoverGirl policies cover you to drive your car in Europe . This can be extended to trips outside the EU. Please call our motor team on 0800 954 97 56 for more information about motor insurance cover whilst driving abroad.

If I have an accident will I have to fill in lots of paperwork?
CoverGirl have developed our claims process to be as quick and hassle-free for our customers as possible. The majority of motor insurance claims we deal with require no paperwork and the claims can be dealt with over the phone. For more complex cases, for example where liability may be in dispute, you may be asked to provide a written statement or diagram detailing the circumstances of the accident as you see them.

Is legal expenses insurance included?
Many car insurance companies include legal protection policies with your motor insurance, which offer varying amounts of cover should you require legal support following a car accident. You may also be charged up to £50 for such a policy. Ensure you check the policy wording carefully before buying your motor insurance.

All CoverGirl motor insurance policies include a reduced price legal expenses insurance policy, providing up to £50,000 worth of legal cover at no additional cost - unlike other car insurance companies which may charge up to £50. Click here for more details about legal expenses insurance …

Get a cheap motor insurance quote now in under 3 minutes.

*A replacement car can normally be arranged under one of the following conditions: (1) Comprehensive policyholders – a replacement car may be available under the terms of your insurance policy. Please check your policy details for more information. (2) Non fault accident – where we have the name, car registration number and insurance details of the person who caused the accident, we can supply a replacement car. This is done on a credit hire basis which means the costs for this service will be passed onto the insurance company of the person who caused the accident. We may not be able to arrange a replacement car where we are unable to get an admission of liability from their insurance company, or where the driver is untraceable or uninsured. (3) Repair garage – if your car is booked in for repairs following an accident, the repair garage may be able to provide a replacement car (subject to availability).