7 Sept
2010
(source: in-house)
Direct Motor Insurance
Many people don't see direct motor insurance as a good choice in terms
of how they choose to buy car insurance in the UK. Most prefer to use a
price comparison site to check lots of prices at once.
There are good reasons, however, explored here, why going for direct
motor insurance can be a good idea.
The main reason to go direct, instead of using a price comparison site,
is to more easily obtain a good quality car insurance policy. When you
go very cheap, you get limited cover and are likely to need to accept a
much higher excess. In fact, the last thing you would want would be to
actually need to claim on such a policy. While you are not duty-bound
to buy the cheapest car insurance on a price comparison system, such
services don't make it easy to compare policy features, especially
where you see the more basic levels of cover as better avoided.
If you choose a direct motor insurance provider - and it's best to go
to the biggest brands to build in quality as well as economy - it's a
quick way to get the kind of cover that will make all the difference in
an accident.
Sites like this one offer plenty of policy information to help you
select from these direct motor insurance providers, while their quote
forms are easier than those of price comparison sites to complete as
they have a smaller data set to obtain.
The die-hard price comparison site user might say here that in order
for the guaranteed best price, it's essential to compare car insurance
quotes. Going for direct motor insurance prevents these quote
comparisons. While this is indeed the case, it must be remembered that
price comparison sites check prices on lots of different policies. Were
they just to check identical cover from the leading direct motor
insurance providers, the scatter or range of prices would be narrow. So
much so, in fact, that paying greatest attention to the cover rather
than the price is justified when you buy car insurance in the UK,
something that's hard to impossible to do if you use a price comparison
site in view of limited policy detail.
For those that consider it improbable that policies could be so close
in price, you need to bear in mind that in such a competitive industry
as motor insurance, unless you keep an eye on competitors' pricing and
match or improve on it, you will not command a satisfactory share of
the market. Leading brands know this and work hard to stay competitive.
|