The best approaches to
getting a motor insurance quotation in the UK
Many see a price comparison
site as the obvious and sensible choice for a motor insurance quotation
in the UK. By comparing lots of policy prices, the most competitive
quote can be easily found. Unless you compare 100s of prices in this
way, you could end up paying too much, or so many believe.
Despite their widespread use, price comparison sites have major
drawbacks. The main one is that unless you scrutinise the policy
features - something that's hard or simply impossible to do on a price
comparison site - then you could well end up with a poor policy that
fails to provide what you might reasonably expect in terms of the
associated cover, should you need to claim.
In short, there is no quality control. Their focus on price encourages
people to buy cheap, paying inadequate attention to the cover they've
selected. This is a particular problem in the modern market given that
there are a lot of price-slashed policies on the market nowadays that
have been designed specifically to feature prominently on price
comparison sites. Buy one of these blind to the cover you're getting
and you may get quite a fright if you then claim when you will discover
that the policy has a high excess and offers thin cover. The result is
that the consumer pays much more himself in an accident. By any
objective criteria, buying such a policy is a false economy and yet
it's extremely common for people to buy in this way via a price
comparison system in the UK.
The answer is to always check out the cover, which generally means that
a visit to the insurance provider's own website(s) is necessary.
In fact, if you side-step the price comparison route and instead go
direct to a leading car insurance company, it's much easier to get a
good quality policy and to research what you're getting easily. Indeed,
comparing one or two well know car insurers online doesn't take long
and is a good way to select on the basis of what you need rather than
on the basis of price alone. And don't let the price tag put you off.
You pay for what you get; so you may not buy the cheapest policy, but
you will, like for like, be getting the going rate given the
competitive nature of the UK car insurance market.
In order to compare
car
insurance from some of these market leaders, take a look at
this
popular insurance website.
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