Cheap car insurance in the UK

Don’t fall prey to a cheap car insurance deal in the UK that seems too good to be true – because they often are. It’s true that you only really find out how good (or bad) your car insurance company is when you have to make a claim. Whilst it’s tempting to go for the cheapest offer you can find, check the insurer’s policy carefully, so you know exactly what to expect in the event of a claim. For example, if you’ve just been involved in an accident, the last thing you want to discover is your insurer won’t help you get your damaged car to a garage.So read the small print and consider all the options to get the right car insurance.

Can you afford to be without your car for any length of time? If your car needs to go to the garage for repairs following an accident, it won’t be fixed the same day. Insurers that don’t provide a courtesy car will have cheaper policies - great while you’re accident free but terrible should the worst happen.

Most policies offer voluntary excess where you can offer to increase your compulsory excess in exchange for reduced premiums. Whilst this is great if you never need to make a claim, it can prove costly if you do, as you’ll have to shell out the amount of your excess in one go before the insurance company repairs your car.

We all know by now that we can generally get better prices if we shop online and car insurance is no exception. There are many online car insurers that can afford to offer lower premiums. With competition so fierce, many insurers offer cheaper insurance for buying online so it’s well worth using the web to net yourself a great deal.

If you have a string of motoring offences, a history of accidents or lots of penalty points, you’ll struggle to get cheap insurance. But uSwitch.com has lots of handy hints on finding cheap car insurance even if you don’t have a clean driving licence.