Car-Insurance-UK-Supermarket.co.uk
compare online quotes the easy way
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UK Car Insurance from the Car Insurance SupermarketAnyone who needs UK car insurance has broadly two options. To go direct to an insurance company or broker, or to get UK car insurance via a price comparison service (an aggregator). The latter is a highly popular choice while the former is less so.Why are price comparison services such a popular choice for people searching for UK car insurance? The reasons, of course, are fairly obvious. Price comparison sites are easy to use and they quickly identify the cheapest quotes. The vast majority of people see price as the most important determinant of their UK car insurance policy choice; so these services give people what they want. The problem is, however, that many people simply select the cheapest UK car insurance identified by these services without paying attention to the nature of the policy they have selected. Obviously, the more an insurance company pairs down the UK car insurance cover offered by a policy, the cheaper they can make it. You can be sure that most of them are doing just that to compete favourably on aggregator sites. While such policies are attractively priced, their attraction often stops there for those that take the time to check out what they are actually getting. Buying UK car insurance online is not complex but it is an oversimplification to see the only task as finding the cheapest quote. And this, in fact, is where aggregators can let the consumer down as they don't provide much policy information. Does this mean that people are wrong to find their UK car insurance cover through an aggregator site? No, but they do need to familiarise themselves with the cover offered by consulting with relevant UK car insurance companies direct where necessary (for example, online). Taking account of the above quality issue, there is, in fact, something to be said for going direct to a reputable UK car insurance company with a well-established record of providing good cover, good customer services and reasonable pricing. Direct Line, the UK's biggest and most popular car insurer, doesn't work with price comparison sites as they have decided that they wish to offer quality cover and do not wish to compete on the basis of price alone. Not a bad philosophy and one motorists would we wise to heed in greater numbers. While Direct Line is a UK favourite, and we list it here, M&S is the most purchased direct UK car insurance policy provider here. From the above, it can be seen that while they give people what they want, aggregators used alone can fall short of providing their users with a basis for making a properly informed choice; so if you use them, be cautious, and don't always choose the cheapest quote. There is a good rationale for going direct to a well-known UK car insurance company when you include quality of cover as a critical determinant of choice. |
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