Finding Best Car | Van | Bike and Breakdown Insurance Providers

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Welcome and thank you for visiting our Motor Insurance Section. Here we have provided you with listings and direct links to the major national Insurance Companies and Brokers in the UK. Our objective is to show you the best deals available. At present, we have provided links to the institutions that we are affiliated with. As we grow and get more affiliations and/or partnerships, we will be adding more links of many nationally known organizations.
In the meantime, it is hoped that you will find what you are looking for. On left you will be able to navigate for your need be it car insurance or home insurance or mortgages etc. Please take your time to explore.

To drive any vehicle (car, van, truck, bike etc) on UK roads, you need to have insurance. According to the Road Traffic Act, all drivers/motorists are required to be insured against their liabilities for injuries or damages to third parties including passengers.

You would be breaking the law if you drive on a road or public place without a valid motor insurance. Furthermore, it is an offence even if you let others use your uninsured vehicle.

In the unlikely event of an accident resulting into damage to third party vehicle(s) which may result in personal injuries and any other damage to properties, protection against such liabilities is essential. It also safeguards against damages to your own vehicle, including thefts. Driving without insurance, not only you are breaking law but you are also carrying the risk of paying the compensation to all the parties involved. It does not matter which party was at fault.

Car insurance is what safeguards you against loss due to traffic accidents, thefts or other reasons. Taking out car insurance is very important as insurance is what secures you from economic loss or damages. In case you do not have car insurance and you are involved in an accident, in spite of who is at fault, you will be paying the compensation concerned with damages. Car insurance is designed to protect yourself and others against these risks.

Many different types of covers are available, ranging from third party cover which protects individuals against liability should they injure a third party or cause damage to a third party's property, but does not provide any cover for the individual's own vehicle or property, through to comprehensive cover, which can offer protection for accidental damage, theft, fire damage as well as liability towards third parties. The minimum legal requirement for car insurance to drive in the UK is Third Party Only.

It is a belief of most people "I don't get into accidents, I am a careful driver" and therefore, just get Third Party Only cover as a need to get their registration and Road tax. They are amongst those to call for cheapest insurance or "Give me what is required" type. When a need for claim arises for these people, it is then they become aware of what type of cover they should have.

You can check, study and obtain information about different Insurance companies.You are able to compare rates, obtain quotes, and shop around without leaving your house. Buying car insurance online is extremely easy and very convenient. The process is fast and only requires filling out a simple form. It is the opinion of many experienced internet users that most consumers overpay on their insurance policies due to a lack of shopping around. Imagine the amount you would save should you have multiple car insurance policies! Many Insurance company offers discounts if you buy online. This varies from 5 - 15%. They are able to offer such discounts because their overheads for selling online are reduced and therefore the savings is passed on to customers as well as be able to be outfront amongst their respective competetators. There are also websites out there like Motor Quote Direct who represent many reputable Insurance companies and will help you find best motor insurance for you. Click here to find out more..

Low cost insurance has never been easier

Choosing Car Insurance

Few of us think to shop around for a better deal on our car insurance renewal quote. However, there are some easy ways to make savings. Spend 10 minutes finding out how to get the best deal. In a competitive market, providers are always looking to offer new and better deals, and increasingly there are specialist policies available for low-risk groups such as over 50 or older drivers, female drivers, 4 years or more claim-free driving etc.

Renewing Your Car Insurance
If you're about to renew your car insurance, take 10 minutes to check out your options. Before you begin:

Dig out your documents
If you've received a reminder to renew your car insurance, have it handy. It's worth having your motor insurance certificate and your insurance policy notes document ready, too.
You'll also need other information handy, such as when you passed your test; any driving convictions you may have had in the last five years, details of any registered disabilities, and details of any modifications you've recently made to your car.

Familiarise yourself with your current car insurance
To compare like with like, you need to know what type of insurance you currently buy from your insurer. Is it Third party only? Third party, fire and theft? Comprehensive? Also look in your policy notes to find out any special features for your policy, such as:

Courtesy car (when you car is being repaired)
Protected no-claims bonus - Roadside assistance
Free legal advice
The amount of excess on the policy Make a note of the amount your insurer is quoting to renew your policy too .

Decide what type of cover you want
Don't automatically choose the same policy you had before, or go straight for Comprehensive cover. You can save up to a third on quotes if you choose third-party, fire and theft or third-party-only policies. If your car is not worth a great deal, you may want to consider these cheaper options.

Decide on your must-have car insurance features
All car insurance policies cover the same basic ground. They pay out when another driver claims against you for damage you cause to them or their car. Where many policies (even very similarly-priced ones) can differ is in the additional features they offer. To help you shortlist quotes, you need to decide which of these features, if any, are must-haves. For instance, if you can't do without a car for even a few days because you need it for work, you might only consider policies offering a courtesy car for when yours is being repaired. Or, if you car is old and sometimes breaks down, you may favour policies offering free roadside assistance.

Compare car insurance quotes
To start filtering the quotes you receive, start by discarding quotes that:

Are much more expensive than your renewal quote say, by more than 10% - Do not come with your must-have features
Have a high premium for paying by instalments (if you want to pay over a year or six months) Now you have a shortlist of quotes and companies to compare.
Factor in your own experience of companies and policies, and ask family, friends and colleagues for their thoughts. A personal recommendation can go a long way.

Just remember to shop around as you look for cheaper car insurance. The first company isn't always the best.

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Halifax Car Insurance
Always giving you extra. Customers could save an average of £111 on their car insurance. Click here to get an extra fast quote from Halifax Car Insurance and new customers get 10% off when you buy online! FREE courtesy car while yours is being repaired by one of our recommended repairers, if you choose comprehensive cover.

Churchill Car Ins

Benefits:

• A courtesy car at no extra cost when using an approved repairer
• Repairs guaranteed for 5 years when using an approved repairer
• 24 hour accident recovery
• New for old cover on cars under 12 months old
• Discounted breakdown cover
• Unlimited cover for audio equipment, fixed car phones and electronic navigation systems fitted as standard
• Personal accident cover for policyholder, spouse or partner

Winner of Your Money 2006 Best Motor Insurance Provider, Best Online Motor Insurance Provider and Best Online Travel Insurance Provider.
Independent research shows that 1 in 10 people save up to £140 by switching to Churchill.
Click here for more...

Top Picks
Devitt
Devitt offers additional motorcycle insurance discounts - low mileages, advanced training, approved security devices, female riders

Tesco Car Insurance offers savings of up to 30% on car insurance compared with other providers and you also receive a 15% discount online.

Car Insurance from PRUDENTIAL * Introductory discount of up to 10% for the first year * Up to 65% No Claims Discount (or up to 70% if you're 50 or over) * Guaranteed courtesy car with comprehensive cover and 5 year guarantee on repairs if using one of our approved repairers * 90 days of European cover 24-hour accident recovery helpline with comprehensive cover Get a quote now

Is your current van insurer having a laugh? You could save 10% on your VAN Insurance with BUDGET! Click to apply online.

Privilege: Privilege offer great value car insurance, with its customer friendly approach, offers Up to 65% No Claim Discount with 4 or more years no claims discount, alongside numerous other benefits including 25% off your first year's breakdown cover, provided in partnership with Green Flag Motoring Assistance.

Click for more

RAC Motor Insurance

Take out comprehensive car insurance with RAC and save up to 10% online and get RAC Roadside Breakdown Cover† included as standard!

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