Budget Car Insurance
Specialist Cover - Get a Budget Car Insurance
Finding a good budget car insurance needn't be a headache. Make sure you get at least three quotes
and you should make a good saving.
Car insurance is a legal requirement. The minimum level of insurance cover required by law in the UK is Third Party Cover. The legal requirements for UK car insurance are listed under the laws known as the Road Traffic Act 1988. Details of the Act can be found here -
Road Traffic Act 1988
As the insured person you will pay a premium, either monthly or annually, in exchange for the appropriate cover. What cover you decide to take should depend on your current circumstances and should be tailored to your needs.
They are the main factors that you cannot change and dictate what risk insurers are prepared to take by offering you a quotation for car insurance cover.
Budget Car Insurance
Some additional factors potential insurers will take into account (and will directly affect any car insurance quote) are -
- who will drive
- the type and make of car
- where the car is parked overnight
- the usage of it (private/business or both)
- the type of cover required (see our car insurance cover section for a full explanation)
You must also give your car insurance company
full details of all your current circumstances. This includes any previous
offences or motoring convictions.
If you do not, you may be breaking the law and you may not be covered at all in the case of a claim brought against you.
What car is best for lower Car Insurance Cover?
The cheaper cars with reasonable repair costs, such as regular family cars,
are usually cheaper to insure and run than large or powerful cars. Large cars,
along with more powerful ones, are generally more expensive to repair.
Older cars often attract discounts for comprehensive insurance premiums.
As each new model is launched in the UK it is given an insurance group rating. This helps the car insurance companies to assess your quotation and they input this information to arrive at a premium decision.
See our extensive section on car insurance groups by manufacturer.
In the Country - or in the Big City?
Where you live can also have a big impact on the level of your car insurance premium. SO your postcode makes a real difference. The reason being that Insurance claims are far more frequent in urban areas so motorists in cities usually pay more for their insurance than those who live in the country.
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