Car insurance quote

ONLINE INSURANCE

The Insurance Centre^TM is a fully interactive online quotation system which will search over 450 policies within seconds and give you the lowest price available.

All policies are underwritten by some the biggest and best respected UK insurers including :AXA Royal Sun Alliance Cornhill CGU Eagle Star Iron Trades Legal and General Lloyd's of London Zurich We will help you find a competitive quote for insuring your Car, home, travel and holidays, pets and much much more.

CLICK HERE FOR AN ONLINE QUOTATION

FAQ

My car has been written off and my insurance company is offering hundreds of pounds less than I paid for it. Why?
The value of your car at the time of the accident is your entitlement to which the insurers will pay. If you are unhappy with this value you can either send your insurers proof of its current value, i.e. price guide pages, current adverts of similar vehicles, or pay for an independent engineer to view the wreckage to assess and estimate your car's pre-accident value. Be sure to weigh up the bigger insurance claim against the engineers fees before taking any sort of action.

As a result of a traffic accident my car was smashed up and I was completely innocent. Why do I have to lose my no claims bonus?
Any claim on your policy means that your insurers can reduce the amount of concession you may receive. A no claim bonus means precisely this and not a no blame bonus, as blame unfortunately is not the issue. However if the damage is of minimal cost, evaluate the possibility of taking on repair costs yourself as opposed to losing your no claims bonus.

Loose brickwork has been blown off my neighbour's house and has damaged my car. Clearly it must be my neighbours who are responsible for damage costs. Are they?
Legal matters take precedence in such an incident. If you want your neighbour to pay the damage costs you will have to consult a legal advisor and assess the likelihood that you can successfully sue them. It is not sufficient that they owned the brickwork. You will have to legally prove their accountability. Consider your options of getting involved in a legal case against making a claim on your policy, which assumes you have fully comprehensive cover. If not, only a successful legal case would reimburse any damage costs.

Who can drive my car?
This will be clearly laid out within your policy agreement. If you are under 25 years of age the policy may restrict driving to you or named drivers. Outline your specific needs to the insurer before buying a policy. Insurance companies will take the following details into account:

Is excess included in all policies?
No. It usually relates only to accidental damage and theft claims. There is frequently an automatic excess payment of �50 or �100 and often more for young or inexperienced drivers.

When does my cover commence? Can it be backdated?

It generally starts at the time you buy a policy. You will receive a cover note to specify the time and date. It cannot be backdated.

If I have an accident or other incident and I don't want to make a claim, do I have to tell my insurer?

Yes, you should report all accidents, fires or thefts even if you do not wish to claim.

Do I get no claim discount/bonus? (NCD/NCB)
Yes, your insurer will usually reduce your premium if insurance in your name exists for the last 12 months of your policy without making a claim. Discounts on average for a one year NCB are around 30% increasing to approximately 60% after four claim free years of driving.

How does ULR (uninsured loss recovery) work for me?

ULR is sometimes known as 'legal expenses insurance'. It helps you claim from someone who has caused an accident. If you have been injured or need a hire car until yours is repaired or you may even want to claim back your excess, ULR provides cover for these events. Importantly, take care any ULR cover is supplied by an insurance company as other non-insurance companies offer similar schemes but cannot give you the same level of security and protection.

CLICK HERE FOR AN ONLINE QUOTATION

How do we reduce the cost?
We cut the cost by reducing most of the administration fees that would apply for an offline quotation, but more importantly we access the best quote from over 450 policies provided by 14 of the UK's leading providers.

Cost reduction tips

     Did you know that over 50% of people with garages never
          put their vehicles in them? So if you live in a high risk or
          busy area, consider all the possibilities of leaving your
          vehicle in a garage overnight or at the very least increase
          the level of security on your vehicle.

     If you drive your vehicle or use your vehicle to work,
          contemplate the alternatives of public transport or using a
          company vehicle for work purposes. A garaged vehicle during
          the day reduces your premium.

     If your vehicle is garaged, regardless of where you live, your
          premiums can be significantly reduced.

     When purchasing a vehicle, it is worthwhile assessing the cost
          of replacement parts and maintenance, as this will affect the
          cost of premiums.

All things considered, there may still be little that can be done to reduce your costs and on no account should you withhold information or give false information as in the result of a claim you will find your insurance becomes invalid and you could be liable to huge costs. Listed below are further routes to cost reduction.

     Do you have the correct level of cover for your vehicle?

If the trade value is not high then it may be worth going for Third Party Fire and Theft cover as opposed to Fully Comprehensive. To find out the trade value of your car visit a site such as www.carsource.co.uk. Remember all insurance companies pay out at around this price so weigh it up against the cost of your premium.

Following this theory you may believe that it could save you even more money by opting out of Third Party Fire and Theft and simply covering your vehicle for Third Party damage only (the minimum legal requirement under UK law).

This is not always the case, it may be worth checking but always ask for a quote with fire and theft as well. The reason you may get a lower quote for Third Party, Fire and Theft than for Third Party is because only a limited number of insurance companies offer Third Party only. The best thing to do is see how much the prices vary between the different levels of cover before making up your mind on which is best for you.

     What is the highest level of excess charge you can afford
            to pay?

If you opt to pay for the first �100 or �150 instead of the first �50 you can reduce the cost of your insurance. This indicates you are unlikely to make smaller claims and will only need assistance from your insurance company in the event of a major claim.

     Can you restrict your cover to named Drivers?

If you insure your vehicle for anyone to drive the cost will be understandably higher. The only instance where this may not be the case is if a lot of your named drivers are young and inexperienced, in which case it may be better to insure for all drivers.

     Do you really need a hire car if your vehicle goes in for
            repair?

If you could possibly make do with public transport or lifts from family and friends for a few days then opting for a policy that does not provide a hire car will reduce your quote.

     Can you live without those additional products that
            insurance companies offer?

Think very carefully about if you really need them. Extra perks can mean higher policies.

     Have you built up more than 4 years no claims bonus?

You should consider protecting it.

     Is this your first car?

You may not have any No claims bonus, but check for special introductory offers.

     Are you a company car driver? Are you buying your first car
            after years of company car driving?

If so please call and tell us (0870 6062805 local rate) we will take into consideration your history as a company car driver, in some cases reducing your insurance quote quite considerably.

     Need a reminder about that policy renewal?

We will email you an up to date quote but more importantly call us if for any reason you are not happy with your quote.