2 June
2010
(source: in-house)
Over 50 Car Insurance
It is generally
possible to get some excellent over 50 car insurance deals and we
review the various approaches to getting them here.
People, young and mature, like to use price comparison sites. They
believe that checking hundreds or even thousands of prices is a smart
way to buy. Many looking for over 50 car insurance will try
to find it in this way and many will be pleased by the savings they are
able to make.
However, car insurance comparison sites need to be used with greater
caution than most realise. In particular, if you find a very cheap over
50 car insurance quote, you cannot assume that it will automatically
meet your needs or that it is at all adequate by any objective criteria.
The reality is that for over 50 car insurance, or indeed
cover for any agegroup, companies have to cut their costs more and more
to compete on price comparison sites and the quality of cover suffers
via this process, rendering it ever more important to know exactly what
you're getting - amd what you're not - before singling out any one
policy for purchase.
It follows that the more that people use price comparison sites, the
more that this effect operates and the more careful those seeking over
50 car insurance cover need to be in using this type of service to find
their cover.
It can, for example, be surprisingly difficult to even work out the
excess associated with each over 50 car insurance policy,
let alone the detailed inclusions and exclusions when you find cover
via a car insurance comparison service. As a result - and this is
probably something few people do - it's usually
necessary to look at the individual insurance company websites direct
to see exactly what the policy features include.
It also follows from the above that the more that you want above a
rather basic level of cover, the more a price comparison site becomes a
somewhat cumbersome instrument to find it. If you use such a service
sensibly, you will need to do your own research on a lot of policies
before you find one that represents the best cover for the best value.
As argued above, it's folly to simply select the cheapest over
50 car insurance quote you can find.
Thus, price is important, of course, but so is what you are getting.
The popular view that price comparison sites are the best way to get
cover needs to be challenged. They are the best way to find cheap
cover. But the cheapest over 50 car insurance cover
should never been seen as the best compromise between cost and cover.
Indeed, going direct to a leading car insurance provider (see links
below) is the quickest way to get quality cover at a competitive price
(how else would they be a leading provider if they were not
compeitively-priced?). The idea that price comparisons are essential is
an overstatement of the market realities. We would argue that
considering cover requirements first then looking for a good price
second is the best approach to getting over 50 car
insurance cover.
More News - More Reviews:
|