Motor insurance quote services in the UK
When you need to renew your
cover and are looking for a competitive motor
insurance quote in the UK, where should you go for it and how
should you go about getting it?
If we start by looking at the UK's current favourite choices for a
motor insurance quote then we find that most will use a price
comparison site to compare car
insurance for them. Others - and it remains a sizeable group -
choose to go direct to a motor insurance quote provider and of these
direct car insurers, none is more popular than Direct Line.
If you look at how people use this and our other UK insurance websites,
then the majority use our car
insurance comparison form to obtain a motor insurance quote, as
you'd expect given the national popularity of these types of service.
The most popular direct motor isnurance quote provider on our websites
is M&S car insurance. The uptake of Direct Line car insurance here
is less. The superior M&S performance is partly an effect of the
name of this site. Many coming here are interested in supermarket
insurance and M&S is an attractive brand with attractive standard
insurance cover.
So these are the national trends, but, how good are consumers at
picking the right motor insurance quote? Well, for the purposes of the
following discussion, we will define this 'right motor insurance quote'
as follows:
The right motor insurance quote for you:
Offers all the protection you might
realistically need in an accident, given your profile and
circumstances, but which errs on the side of excluding that which is
not strictly necessary and, like-for-like, is close or equal in price
to the lowest priced policy of that type on the market.
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The thinking behind the above definition is that you
cannot ignore the
reality that everyone wants to pay as little as possible for their
motor insurance quote, but, at the same time, it is essential to match
your cover to your needs - albeit on as pragmatic a basis as possible,
given the relatively high cost of car
insurance cover.
So what's the impact of this definition in terms of how best to get
cover? Well, the most obvious point here is that to get the cheapest
quote you can find without checking over the cover associated with that
motor insurance quote is unlikely to deliver the right choice. Equally,
going direct to a top car insurance company may deliver the right quote
in terms of those must-have policy features, but how do you know you're
paying a competitive price without comparing quotes?
We would suggest that the best way through this is to use a car insurance
comparison site where your needs are limited and price is
all-important, but, where you have several quality features to include
in your policy then going direct is better. Market leaders, like for
like, are generally very close on price.
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