A fresh look at UK car insurance

When you need to renew UK car insurance you can either remain with your existing insurance company, compare car insurance via a price comparison site, or select from alternative car insurers direct.

Of these, while many do choose to remain with the same UK car insurance company, this option has little to recommend it. Insurance companies are always keen to attract new business and therefore the best deals are always for the first year of cover. It therefore pays to switch your UK car insurance provider every year, despite the slight inconvenience of so doing.

Should you get your cover through a price comparison site? Well, many in the UK certainly do. They see these types of services as a fast and efficient means of getting the lowest UK car insurance prices. And, indeed, there is no disputing this point. A price comparison site lets you compare lots of quotes and can help you to save money. Why, then, might you choose to go direct to a top UK car insurance company instead? Actually, there are plenty of good reasons to do this which we will now outline.

If you have in mind specific policy features that are simply not covered by the cheapest policies, then a price comparison site isn't the easiest way to identify these kinds of 'above average' policies.

When you review summarised policy information from the top direct UK car insurance providers via sites such as this, it quickly becomes clear that these companies usually offer these types of 'above average' policies as standard.

Any concern that you may pay too much when you go direct is unfounded due to routine free market forces pushing down prices for all the top companies such that there is little to choose between them in terms of price when similar levels of cover are compared. While price comparison sites do show a range of prices, this is because they are grouping together very different policies which, as a result, differ significantly on price.

Other reasons to go direct to leading companies for car insurance quotes include where you have specific needs that some insurers tailor their products for as with the female driver or where you are under 25 years old. Other examples include the owners of cars that are more than five years old or those that have multiple cars.

Sometimes people are attracted to UK car insurance company promotions as where a useful free gift is included, a substantial direct online discount is available or other incentives are offered such as gift vouchers or club card points.

Even if you are simply looking for reasonable cover rather than a paired back policy, going direct is, in fact, a good choice.

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UK car insurance reviewed

A fresh look at UK car insurance