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Motor Insurance Policy at the Car Insurance
UK Supermarket
A motor insurance
policy worth having is not necessarily the cheapest quote you can find.
Indeed, it usually isn't. But this does not deter numerous UK drivers
that see saving as much money as they can on their renewal quote as
their optimal choice.
If we take it as read that automatically buying the cheapest quote is
not the best way to proceed, how do you strike that optimal balance
between the cost of a motor insurance policy and its
features?
Well, obviously, this depends on your own views about appropriate
cover, your willingness or otherwise to compromise on that cover, your
personal profile, your car and your needs. We'll address each of these
individually in terms of how they might impact on your motor
insurance policy choices.
Your own views
Regardless of any of the other factors that will influence your motor
insurance policy choice, people vary in their attitude to how
comprehensive they wish their cover to be. Some are more influenced by
price and pay scanty regard to the level of cover. Others, at the other
extreme, see an all-inclusive motor insurance policy
as important and they are willing to pay more to get it. Somewhere in
the middle of these two extremes - whereby quality of cover is
important but not at any price - is, in most cases, the optimal
standpoint.
This standpoint gives you the greatest range of potential routes to
your optimal motor insurance policy. You can either use a
price comparison system, albeit checking several policies, in all
probability, before finding one that is acceptable. This suitable motor
insurance policy may well be a few entries down the list in terms of
the price rankings displayed. The more quality-oriented driver will
find going direct works best.
Your willingness to
compromise
Linked to the above criterion, this is particularly relevant where you
are expecting your motor insurance policy to be expensive.
For example, we suggest to young drivers that they may wish to accept
'thinner' cover to reduce costs, particularly while they are building
up their no claims discount. The more willing you are to compromise,
the more a price comparison site becomes the most efficient way to find
your cover. The less your willingness, the more going direct is most
effective.
Your personal profile
There are certain categories where going direct works well. For
example, the young driver or woman driver can find a motor
insurance policy tailored to their needs by going direct.
Your car
If you have a car that you would expect to be expensive to insure (that
is a high car insurance group vehicle), then it can help to check lots
of quotes to find a low cost motor insurance policy. Then
again, if you are looking for better than average cover, going direct
to, for example, Direct Line is a good choice.
Your needs
Obviously your transport needs vary if your car is off the road and
this will influence your motor insurance policy choice. A
courtesy car, for example, for some may be essential but for others,
unimportant.
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