Cheap Car Insurance Online For UK Drivers - Why Pay More?

The high number of UK motorists who have bought their car insurance online has helped to make car insurance one of the most popular online financial purchases in Britain. Motorists are fast moving away from the telephone towards the Internet for their financial advice, quotes and purchases. You can even buy your car tax online now from the DVLA. It is estimated that well over 4 million UK motorists have bought car insurance online within the last few years and that figure is increasing rapidly. Shopping for insurance online is faster and more convenient than using the 'phone. Buying car insurance online is almost always cheaper too. The number of insurance companies offering online car insurance is increasing, and the multitude of online discount offers mean better consumer prices!

Deciding Who To Buy Cheap Car Insurance From
There are hundreds of car insurance companies offering untold numbers of differing policies to UK drivers, so there are a few simple rules to remember and also a few tips which should make it a lot easier for you to single out the most important information relevant to you. This will help you to quickly and easily find the best car and/or motorbike insurance quote or policy for you.

Don’t Dodge The Law!
Car insurance has been a legal obligation for more than 50 years now and all UK car drivers must be covered by car insurance. The basic legal requirement is third party cover only, but this will not cover you against most things that can happen to your car. It therefore makes sense to shop around to get the cheapest quote which meets your requirements; be that third party cover only or fully comprehensive car insurance. Driving without insurance could prove to be very costly to you should you be caught. Although many drivers in the UK are still driving illegaly there have been several crack-downs by the police in recent years to curb this. The penalties are severe should a motorist be caught driving without the proper insurance cover. New powers enable some authorites to confiscate vehicles and even crush them as a penalty(almost a certainty should that vehicle be found to be also unlicensed!). Currently in the United Kingdom a common misconception is that it is the driver which is insured and not the car. This is only the case if your policy specifically states that you are insured to drive another vehicle, and the terms of the cover are likely to be vastly different. It is also worth noting that even if you have the appropriate car insurance cover but your MOT has expired your insurance policy is generally void and you won’t be paid a penny should you have an accident.

The fact remains though that choosing appropriate motorcar insurance is as important as much as it is a legal requirement. First you have to decide on the car insurance protection level(ie. TPFT or Fully Comprehensive) and price that suits your personal requirements. Only after you have obtained your quotes(Motoworld.co.uk recommends at least 3) will you really be in a position to ensure that the motor insurer is not only offering the most competitive rate but also the product benefits, additional extras and after sales service that you require from an insurance provider.

These additional services could be vital should you be involved in an accident, and could include, for example, benefits such as: ? Legal advice / Free Legal Aid ? 24 hour accident report lines and support ? Free breakdown cover ? Addition of audio and personal effects loss protection ? Overnight accommodation in the event of breakdown ? Free courtesy or rental car ? Protection of your no claims bonus, and much more. Ensure that when comparing car insurance products that you are comparing on a like for like basis.