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In the UK, there are three main types of car insurance policies. Each type offers different levels of cover.

Did you know?: Third-party car insurance is the most basic level of cover. But it is not always the cheapest choice. Some insurance companies provide comprehensive cover for lower prices. This is often because high-risk drivers tend to choose third-party policies.

Many things impact the cost of your car insurance cover.

• Your Age & Driving History – Drivers who are younger than 25 or have a history of car insurance claims usually pay more for insurance.
• Vehicle Type & Value – If you have an electric car or a classic car, your insurance can cost more because repairs may be costly.
• Where You Live – If you live in London, your yearly costs can be about £1,200–£1,600. In rural areas, it might be just £500–£800.
• Where You Park – Keeping your car in a garage or on a driveway can lower the risk of theft. This often leads to a better car insurance quote.
• Your No Claims Discount (NCD) – If you go a year without making any claims, your rates can drop by up to 60%.
• Mileage & Usage – If you drive less each year, you might want to consider pay-as-you-go car insurance to save money.

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If you use your car for work-related travel, you should get a business car insurance policy. Families living at the same address with multiple cars can also benefit from multi-car insurance to save some money.

Multi-Car Policies

• Helps families insure several cars with one policy.
• You can save up to 25% for each additional vehicle.
• A good choice for families or couples who drive different cars.

Business Car Insurance

• It covers cars used for business purposes as well as for getting around.
• It is important if you go between work sites, meet clients, or carry work items.
• There are various levels of business cover—be sure to choose the right level of cover.

Losing your car keys can cost you money and create frustration. This is especially true if you have modern electronic key fobs.

• It pays for the replacement costs if your keys are lost, stolen, or damaged.
• Some policies include lock replacement when there is a worry about theft.
• A few insurance companies offer courtesy car coverage if you can’t drive your car due to lost keys.

Many people do not know that credit scores can affect car insurance quotes.

• A better credit score can lower your insurance costs. Insurers see drivers with good finances as less risky.
• If you have poor credit, some insurers might require higher rates or upfront payments.

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Choosing the right car can greatly impact your insurance costs.

• Cars in lower insurance groups are cheaper to insure.
• Avoid high-performance cars if you want affordable coverage.
• Use insurance comparison tools to check potential insurance costs before buying a car.

Tip: Cars in insurance groups 1-5 are usually the simplest and least expensive to cover.

If you have been in an accident or your vehicle is damaged, please do these steps:

• Contact your insurer right away – Tell them about the road accident, theft, or damage as soon as possible.
• Send your certificate of motor insurance – This shows your policy details.
• Get details from other drivers – Gather names, contact numbers, and insurance information.
• Take photos and collect evidence – Pictures can help support your claim.
• Review your policy wording – Understand what your car insurance cover includes before you claim.
• Insurer arranges repairs and a courtesy car – If you are covered, you might get a courtesy car while they fix your vehicle.

Tip: If you have an accident with an uninsured driver, many comprehensive insurance plans provide protection for uninsured drivers. This coverage helps cover the costs of damages.

You can find the best car insurance at a price that fits your budget. You only need to pick the right plan.

• Get Quotes Online – Look for multiple car insurance quotes to discover the best deal.
• Raise Your Voluntary Excess – A higher excess can lower your premium. Just make sure you can afford it if you file a claim.
• Build Your No Claims Bonus – A claim discount for having no claims for 5+ years can save you up to 60%.
• Pay Once a Year – Paying all at once helps you skip interest fees from monthly payments.
• Choose a Low-Insurance-Group Car – Cars with smaller engines and low-risk models often have cheaper insurance.
• Reduce Your Mileage – If you drive less, consider pay-as-you-go car insurance.
• Skip Modifications – Cars with added parts usually cost more to insure.