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30 April
(source: in-house)

Find Car Insurance

How should you find car insurance nowadays? Is a price comparison site the best way to do it? And what about going direct to a leading UK car insurer?

The usual approach for most people these days is to use a price comparison site to
find car insurance. You cannot argue with the fact that they can save you time and money.

What they don't do, however, is provide any quality control. That falls to you if you choose to
find car insurance from an aggregator service. Indeed, the cheaper you go, generally speaking, the poorer the quality of cover you can expect.

When you
find car insurance with a car insurance comparison system, there is always a risk that the attraction of a low price will effect your policy choice in a way that acts against rather than for you. Clearly, without a claim, you face no adverse consequences. But, if a claim is needed then the higher excess and thinner cover of the cheapest policies will lead to considerable costs that fall to you rather than the insurance company.

Essentially the premise on which price comparison sites are based is an over-simplification. Yes, price matters, but it is not all that you should base your choice on when you
find car insurance through a comparison site or by any other means. You need to know what cover you're getting; while some awareness of the company that is provinig you with that insurance cover and its track record is of value too.

If you do
find car insurance via an aggregator, do be prepared to look at the motor insurer's own website if you need to get better policy information. This is usually needed.

There are various reasons why you would choose to bypass a price comparison system in favour of getting direct motor quotes. These include where an insurance company has a special offer or deal; where they provide a specialist service, for instance, women-only cover; or where you are looking to fast-track to a quality product and don't want to get 'bogged down' by checking through more budget-focused cover that features most prominently on an aggregator system.

Taking everything into account, although most people prefer to use a comparison system, a good case can be made for going direct to find car insurance. In a nutshell, that case relates to enhanced quality-control, the better reliability of well-established brands and the fact that in a competitive market, the market-leading brands will be close on price for similar insurance policies; so rendering the need for a car insurance price comparison somewhat redundant if you are keen to select on the basis of cover, the more prudent way to find car insurance in this country.


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