Making The Application
Points to remember when making your insurance application:
- Get as many quotes as possible. When you've found the cheapest, go to some others
and ask if they can better it.
- Be honest about yourself and the car. Tell the company all about your driving record
and any modifications to the car. If you don't, your insurance may be invalid -
which is as bad as not having any insurance at all. Worse still, you might finish
up in Court for lying.
- Remember to ask about compulsory and voluntary excesses.
- Think about taking a protected no claims bonus. It will cost you a little extra,
but could save a lot in the long run if you have to make a claim.
- Insurance companies regard women as safer. So, ladies, shop around for the best
deal. In particular, there are companies who will only insure women - so they must
be worth a look.
- Remember to inform your insurance company if you are going abroad. You might already
be covered for holidays, but you need to check because it's not always the case.
- Check what extras you are getting on your policy - particularly breakdown cover
and personal injury cover. You may or may not want these and they will add to the
cost. Haggle over them if necessary.
- Tell the company if you keep the car garaged overnight and if it has an alarm or
tracking device fitted. These should reduce your premium.
Car insurance