Before you drive any car in the UK you need to have the relevant cover whether it is third party of fully comprehensive it is a legal requirement. If you do not have the appropriate you could face a fine, points on your licence or you could even be prosecuted. So with
car insurance being compulsory for any driver in the UK, it should be common knowledge how to save money and optimise your cover, but why is it that drivers in the UK are wasting millions of pounds each year by paying too much for or even driving around with void cover.
Here is a basic guide on how to stay legal on the road and also how to save a few pounds along on the way.
Fill in your details carefully – ensure you fill out the appropriate paperwork correctly as any mistakes could result in a claim being rejected.
Do not front – fronting your car insurance means if you are down as a named driver when in fact you are the main driver of the car. This is most common with students when they first pass their test. Insurance will be expensive for new drivers so they will have the car insurance in their parents name and pay a fraction of the cost. This is illegal and will result in a void claim.
Do not lie – if you have modifications made to your car then you should always tell your insurer as if you have an accident and the insurance company discover that you have lied then your claim will be rejected.
Secure your car – by securing your car more you can reduce the amount you pay in premiums. Park the car on a drive or in a garage to reduce the risk of it being stolen, you can even install alarms to reduce your insurance costs.
Buy a smaller car – you are statistically more likely to be involved in an accident if you buy a bigger faster car. If you do not need a big fast car then you should stick to something practical, it will be easier on the environment and your wallet.
Pay annually – by paying your car insurance off in one go will save a small fortune as opposed to paying off the policy monthly. You can also look forward to a reduction if you buy online.
Compare – this is the most popular and most efficient method for saving money on your car insurance. You can now compare hundreds of entire quotes against each other instantly so you find the most relevant car insurance out there for the cheapest price.
