You are breaking the law in the UK if you drive a car that is not insured. Despite this, 1 in 20 motorists regularly drive without insurance, according to the Department of Transport. You run the risk of being fined or sent to prison for driving without car insurance. In the UK you can choose from numerous car insurance companies. It pays to shop around to get the best quote.
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Things you need
- Current insurance policy
- Internet access
Collect information about your car before shopping for cheaper car insurance. If you already have car insurance, you can find most of this information on the existing policy. If you do not have a policy, you need to know the make, model and year of your car, the vehicle identification number and registration number. You also need to provide personal details, such as employment status, age, previous claims and convictions and other named drivers.
Compare car insurance quotes online. The easiest way to compare many quotes at once is to use comparison websites. Google "compare car insurance", and numerous comparison sites appear. Two such sites in the UK are moneysupermarket.com and gocompare.com. These sites do not all compare the same providers, so use a few comparison websites. Be aware that not all insurance companies appear on these sites. Direct Line and Aviva are two of them and are worth checking separately.
Confirm the details of your new insurance. Once you have found the cheapest quote your work is not over, according to MoneySavingExpert.com. It advises that you now check that all the details you entered on the comparison website have carried through to the actual insurer's quote. Confirm what is included in the quote using the providers' website. This is particularly important with non-standard insurance circumstances. Second, check that the policy's coverage meets your needs. Consider things such as whether the excess is suitable and whether you need a free car when yours is being repaired.
Tips and warnings
- Tell the truth when you apply for a policy and notify your insurer if your circumstances change. Otherwise you insurance may not be valid.
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