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 under the Road Traffic Act of 1998 all motor insurance policies must provide the minimum amount 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…
* All new CoverGirl policies will be calculated on a comprehensive cover basis
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 great deal 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 a standard policy?
Many standard policies allow you to drive abroad, but it is always worthwhile checking with your insurer. CoverGirl provides automatic cover for your car when it is being driven within the European Economic Area for up to 90 days for any one trip. This can be extended to trips outside the EU. Please call our motor team on 0333 123 1308 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.
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