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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.     


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14 June car insurance on line 25 June multiple car insurance
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