Car Insurance Online Quotes
If you've not had a lot of experience, the first time you come to choosing your car insurance online it can be daunting. If you don't know what third party car insurance or no claims bonus means, it can be all too easy to buy car insurance that isn't what you need. In this article we'd like to present 3 sample cases where each person needs a different level of car insurance quotes, we hope this will make it easier for people to choose their car insurance wisely.
But before we do that, we suggest you have a quick look over our glossary to find out what various car insurance terms mean.
Case One
Sex : Male
Age : 18
NCB (No Claims Bonus): 0 years
Car Value : £500
Accidents : 0
Convictions : 0
Recommendation : For this person, we'd recommend that he takes out Third Party Fire & Theft Insurance. His car may not be worth a lot, but if it's stolen or set on fire, he wil get a small payout after the excess which is likely be around £250-£350. Third party insurance is really only useful on a car your don't care about and woudn't mind if it was stolen or crashed, and the fire and theft option is usually the same price so there are few benefits to just third party insurance.
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Case Two
Sex : Female
Age : 22
NCB (No Claims Bonus): 2 years
Car Value : £3,500
Accidents : 1 fault accident
Convictions : 0
Recommendation : This driver has had an accident and as such doesn't have a full NCB. Her car is worth a reasonable amount and she is getting to an age where she won't be penalised for her age. This person would be advised to take out Comprehensive Car Insurance because her car is worth more than £2000, if she were to have an accident, her car would also be covered.
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Case Three
Sex : Male
Age : 35
NCB (No Claims Bonus): 8 years
Car Value : £22,500
Accidents : 0
Convictions : SP30 - Exceeding statutory speed limit on a public road.
Recommendation : This driver would be advised to take out fully comprehensive car insurance with a protected no claims bonus option. Most companies will let you protect your NCB if you have more than four years worth. The speeding conviction will raise his insurance a little but not enough to warrant dropping the level of cover. Most insurers will only insure cars worth more than £4000 comprehensive anyway but for a car worth thay much money, you would be silly to not have it covered comprehensively anyway.
We're going to expand on this article in the future offering a more in depth look at how different factors will affect your car insurance. If you have any comments on this article, please feel free to contact us with your views.
