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Car Insurance That’s Right For You

Everyone shops around for a cheap car insurance quote, but cheapest isn’t always best. Focus on finding the right car insurance for your circumstances. Ask yourself:

• what level of car insurance cover do you need?
• do you want any extras included in your car insurance?
• how much excess can you afford to pay?
• could you lower your car insurance premiums?

Car insurance: the different levels of cover

• Third party car insurance is the most basic level of cover. You’re covered by your car insurance if you damage another car or injure someone in an accident. But you’re not covered for any damage to your own vehicle.
• Third party, fire and theft car insurance also pays out if your car is lost, stolen or damaged by fire.
• Comprehensive car insurance is the highest level of cover. If your car is damaged or written off in an accident, comprehensive car insurance will pay out.

Car insurance extras

Some extras may be free, but some are worth paying a little more for. Your car insurance could include cover for:

• driving abroad while on holiday
• vandalism
• storm damage
• windscreen repair or replacement
• car accessories and personal belongings
• personal accident and medical expenses
• breakdown and emergency call-out
• legal costs
• a courtesy car

The excess on your car insurance

When you claim on your car insurance, you usually have to pay a set amount of the claim yourself – known as the excess. This can range from nothing to a few hundred pounds.

Always check the excess before you buy car insurance.

Keep your car insurance premiums low: top tips

You can’t change your age or where you live, but you may lower your premium if you:

• fit an alarm or immobiliser to your vehicle
• keep your car in a garage overnight
• keep your annual mileage low
• pay your premium in one go rather than in instalments.

Look today to find the best deals on car insurance online.

Click here to find out the best deals on car insurance provided by The Post Office™.