The Top Recommended Insurers from Insurancegroups.org.uk

Our Top 4 Car Insurers

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Our Top 4 Bike Insurers

Car insurance is an extremely competitive market, which automatically means good news for the consumer, since with a little bit of effort you can easily shave a good chunk of money off your insurance premiums. Here’s how to do it:

Always make sure that you start shopping around for your insurance a couple of weeks before it’s due. If you leave it until the last possible minute then you’re under pressure to sort it out quickly, which doesn’t help.

Think carefully about what level of insurance you need. Do you really need fully comprehensive insurance, replacement vehicle cover, or foreign country cover? By removing unnecessary elements you can immediately shave money off the quote. Also play around with different excess amounts - the higher the excess, the lower the quote will be.

One of the major costs of car insurance is how big a risk the insurance company percieves you to be, so it makes absolute sense to make yourself as low a risk as possible. This means making sure that your car is kept as secure as possible overnight, that you have security fitted, that you give an accurate indication of the mileage that you do, and that you are careful about the job description that you give.

Insurance companies keep records of the number of accidents that occur within different employment types, so by just amending your title slightly you can save on your premiums. This doesn’t mean lying to the insurance company, but for example, sales executives may be quite a high risk because they spend a lot of time driving and cover a lot of mileage. If you are a sales person based in an office and you travel a half a mile to work each day you don’t want to end up grouped with your higher risk counterparts - so think carefully about how you describe your job!

Next, start by using an online car insurance comparison website. These sites submit your details to dozens of insurers automatically and bring back the insurance quotes from each. It’s amazing that although these websites are incredibly easy to use, a lot of people simply go to their current insurers, get a quote, and then take the insurance - Don’t do this!

Once that you have your quotes from the car insurance comparison site be sure to look through them carefully and make sure that you’re comparing apples with apples - this means look at the excess charge (deductables), the different benefits like replacement vehicles while yours is being repaired, etc. Only pay for things that you will realistically need.

If necessary resubmit your details with amendments to the level of cover, and then check through the quotes as above.

Once you have your best quote the fun begins! There are a couple of excellent ways to really save some money!

First of all you should go and check the cashback websites that are out there. These are sites where you can register and when you buy a product through that site you get money credited to your account. A lot of insurance groups offer their car insurance products on these sites, and they offer a hefty chunk of money - up to £150 (around $250) if you sign up online through the cashback site - so you need to look through them to see if any of the insurance companies from your top few quotes are listed.

If you find any of the companies that provided the best quotes listed, then recalculate how much your insurance will cost with the cashback amount deducted.

Once you have done this, and whether any of the insurance companies were listed or not, then you should ring your own insurer, and each of the best 3 or 4 quotes that you have from the previous steps, and negotiate with them. Tell them the lowest priced quote that you have already and the level of cover and ask them to beat it.

The insurance industry is so competitive that they will almost certainly come back to you with a better price, especially your existing insurer, since they do not want to lose existing customers.

Repeat this step for as long as you feel comfortable, playing each insurer off against each other to get a better quote.

This simple method will help most people to save at least 20% on their car insurance, with some people being able to save significantly more than that.

Remember that insurance companies are desperate for your business, that there is always room for haggling with the first prices that they quote you, and that you are almost certainly overpaying at the moment!

The Top Recommended Insurers from Insurancegroups.org.uk

Our Top 4 Car Insurers

Our Top 4 Van Insurers

Our Top 4 Bike Insurers

Just about everyone must have seen the insurance comparison websites advertised on tv, in magazines, newspapers, and just about everywhere else that you look, and on the face of it they seem like a great idea.

You simply enter your details, it checks lots of insurance companies, and shows you the best deal right there on your computer screen. You don’t need to spend time shopping around, making phone calls, or filling in forms - what could be easier, right?

Well unfortunately that’s wrong according to a web designer friend of ours who has been working on one of the insurance comparison websites.

The truth behind how these sites really work might well shock you and will almost certainly save you a lot of money…..

First of all it might help if you understand an old marketing trick that was developed to trick shoppers into buying a product from a particular company.

Years ago there were 2 main brands of washing powder competing with each other for business, when you went shopping they were the only 2 brands on the shelf.

You could say in essence that there was a 50/50 chance whether shoppers would buy Brand A or Brand B, and of course once the shopper had made up their mind about which they liked best, they wouldn’t swap to the other brand come hell or high water.

So one of the brands came up with an ingenious plan.

They created 3 new brands (Brand C, Brand D, & Brand E) and started advertising them as new products, but without any association to their existing Brand A, or to their parent company.

To the shopper it now looked like they had 5 washing powders to choose from, all from different companies, and all with different benefits and appealing features - but in reality only one company owns brands A, C, D, & E and now has 4 times more chance of being chosen by the shopper than before.

Obviously this is a huge market advantage for them, and a huge disadvantage for Brand B, who now only have a 20% chance of picking up the shoppers business.

They could also tempt shoppers by making one of their brands cheaper one month, putting one on special offer the next month, etc.

So what does this have to do with insurance comparison websites?

Well, we’re told that insurance comparison sites are simply an online version of this old trick - except much worse!

What you have is 2 to 3 main insurance groups on the comparison site along with the 10, 20, 30 or more smaller subsidiary insurance companies that they also own.

All that they do is decide which of their companies will offer the best deals each month, amend the pricing appropriately, and hey presto, when you ask for a quote you are presented with a quote that ultimately belongs to the main insurance group.

You get a requote the following month and now you can get a slightly better price from a different company - great!

However, you are still getting your insurance from the same insurance group - the only thing that has changed is the name!

So what?

Well, what it means is that you are really only getting quotes from a small number of insurers - you are not getting quotes from a huge part of the market, which means that you are almost certainly overpaying for your insurance!

If we believe that the site is comparing insurance across ALL insurance companies, or even across most insurers, then we won’t even bother to have a look and see whether there is a better deal elsewhere - we just trust that the site has done it for us, when in truth it hasn’t - it has presented us with a false choice!

What we recommend that you do if you get a quote from a comparison site is to also get quotes from at least another 3 companies using our tips to get a better price on your insurance.

The Top Recommended Insurers from Insurancegroups.org.uk

Our Top 4 Car Insurers

Our Top 4 Van Insurers

Our Top 4 Bike Insurers

We’d be very interested indeed to hear back from our visitors and see how much money they save by taking the simple step suggested above!

Our Top 4 Car Insurers

RAC competitive car insurance includes the most popular elements as standard. It’s simple.

The RAC search their panel of approved insurers to find you the best possible price. Choose from comprehensive, third party, fire and theft, or upgrade to Car Insurance Plus for even more cover - free to existing members.

A free upgrade to RAC Car Insurance Plus and £30 cashback*** for existing RAC Members.

Take out comprehensive car insurance with RAC and you can save up to 30% on RAC breakdown cover* and also get a generous no-claims discount.

RAC Car Insurance includes:

• Windscreen replacement and repair

• Repairs - use a member of our approved network for repairs and get a 3 year guarantee on any work completed.

• Personal belongings cover up to £150

• Personal injury cover for you and your partner of up to £2,500 per person, per claim

• Medical expenses cover up to £100 for each person following an accident.

• Audio equipment cover up to £500 for non-manufacturer equipment and unlimited cover for manufacturer fitted equipment.

• If you car is less than 12 months old and is seriously damaged we will replace it with a new car of the same make, model and specification.

RAC Car Insurance Plus

Looking for extra peace of mind? Upgrade your cover to RAC Car Insurance Plus and add all the extras listed below to what’s already included in our great value, comprehensive RAC Car Insurance

After an accident

• A courtesy car when yours is off the road following a claim as long as you use one of our approved repairers

• Help with onward travel

• Physiotherapy after an accident up to £400

• Up to £100 per seat towards replacement child car seats after an accident, even if there’s no apparent damage

• If you’re hit by an uninsured driver, we will refund your excess and you won’t lose your no claims discount providing the accident isn’t your fault

Extra benefits

• If you lose your car keys we’ll pay for replacements, and cover the cost of changing your car’s locks too

• Drive your car abroad with the same cover in the EU as you have at home

• If your car is vandalised you won’t lose your no claims discount

• If you’re taken seriously ill on a journey, we’ll collect you, and your car, and drive you home

The amount of cover you get with our Car Insurance will also be raised:

• Personal belongings up to £250

• Medical expenses up to £250

• Personal injury cover for you and your partner of up to £5,000 per person, per claim

• Audio equipment up to £1,000 for non-manufacturer-fitted equipment

* Discount on breakdown cover excludes Roadside cover

Visit the RAC now to save money on your car insurance.

*** The cashback amount is £30 and is only available to RAC members subject to valid membership number being entered on the quote page. It will be paid by cheque subject to the purchase of RAC Car Insurance. The cheque will be despatched within 30 days of the start date of the insurance subject to the policy being in force on day 15. This offer is not available to existing RAC Car Insurance policyholders. This offer is not available in conjunction with any other offer and may be withdrawn at any time.

Our Top 4 Car Insurers

Nationwide car insurance is provided by Liverpool Victoria Insurance Company Limited.

Nationwide car insurance offers you the flexibility to tailor your cover to suit your needs. The cover can provide everything you would expect from Nationwide, offering the benefits of:

• Up to 75% no claim discount
• Online discount (available for new policies)
• UK-based call centre
• Friendly and efficient 24-hour claim service
• Guaranteed Courtesy Car *
• Cover for up to 180 days when travelling in EU Countries*

* excludes Third Party Only policies.

On top of these standard features, you can then choose from a range of optional extras to create the right level of car insurance cover to suit you:

Protected or Guaranteed No Claims Discount

If you have earned four or more years No Claims Discount, you have the opportunity to guarantee or protect it.

You can choose to guarantee it for the entire life of the policy, or protect your No Claims Discount ensuring that you won’t lose your hard-earned discount as long as no more than two claims are made in a five year period.

Motor Legal Expenses up to £100,000

This option covers you for up to £100,000 which can be used to pay either:

Reasonable legal costs to defend you against a motoring prosecution (in an incident when you were using your car);

To pursue a civil claim for the recovery of uninsured losses due to an accident involving your car resulting in your injury or death.

Personal accident cover up to £100,000

The standard comprehensive insurance covers you, your spouse or civil partner up to £10,000 if you sustain injury whilst travelling in, or getting in or out of any car which, within 90 days, results in:

• Death;
• Complete and irrecoverable loss of sight in one or both eyes; or
• Permanent loss of limbs.

With extended cover, comprehensive policy holders can choose to increase this level of cover to £100,000, allowing greater peace of mind.

Road Rescue

Road Rescue breakdown cover offers a choice of 5 levels of breakdown cover:

• Roadside Assist;
• Roadside & Home Assist;
• UK Recovery;
• UK Recovery & Home Assist; or
• UK & European Assist.

The basic cover includes roadside assistance, as long as the breakdown is more than quarter of a mile from your home, no call out charge, recovery to a garage or your chosen destination, if within 10 miles of the breakdown, and assistance with windscreen and tyre replacement. You can build upon this with other levels of cover to find the right package to suit your needs.

You can also choose to add Road Rescue Personal Cover, which extends the breakdown cover you have in the UK to any car you or your spouse/partner are driving or are a passenger in at the time of breakdown in the UK.

Get a Quote from Nationwide now!

Our Top 4 Car Insurers

ehgvquotedirect will beat 95% of HGV insurance quotes GUARANTEED!

eHGVquotedirect are one of the UK’s leading Commercial insurance brokers, obtaining the most competitive quotation from a range of specialist commercial insurance providers, saving you time and money.

Drive down the cost of your HGV insurance with ehgvquotedirect.

ehgvquotedirect are specialists in the HGV insurance market. They are a Kent based broker, with many years experience in providing cover tailored to all aspects of the HGV market.

In an industry where competitive rates, risk knowledge and customer confidence are essential, ehgvquotedirect offer these through a panel of insurers with a wealth of industry experience.

eHGVquotedirect’s relationship with these insurers allows them to quote competitive rates coupled with professionally tailored cover.

Complete a Quick Quote online - you could be driving down the cost of your HGV insurance.

eLady Driver Insurance are a specialist division of eCar Insurance that focuses on providing car insurance for women drivers.

Our Top 4 Car Insurers

In short, eLady Driver Insurance aims to save you money - not just because you’re a lower risk, but because they provide online insurance direct, rather than being a broker like many of the other car insurance companies for women.

eLady Driver offer female only car insurance and selecting the right cover couldn’t be easier.

As well as their Standard Annual Policy, they offer a more flexible Pay As You Go (PAYG) monthly policy that allows you to get cover only when you need it. You can even add Multiple Cars and Drivers to a single policy.

eLady Driver Insurance provides cheap car insurance for women of all ages and saves you money. Get a quote and see how much you can save today.

Visit eladydriverinsurance.co.uk today!

Our Top 4 Car Insurers

The cost of car insurance will depend on the insurer, the level of cover and how risky they think that you are (ie, how likely they think it is that you’ll have an accident).

It makes sense then to start by ensuring that you’re as low a risk as possible from the way that you define your car insurance.

You should also avoid monthly payment plans, since the insurer will in essence loan you the money to cover this cost, and then charge you interest on it, and the interst rate will not be low. You are far better off paying the whole insurance premium in one go, or using a lower interest rated form of credit to pay for it.

Your job title can also have an effect on the premium, since insurers keep records of the number of accidents from each occupation. By amending your job title slightly, you can end up reducing the cost of your car insurance.

One of the best ways to compare car insurance quotes is to use a car insurance comparison website like beat that quote (see the ad to the right), where they will send your details to dozens of car insurance companies en masse & come back with their quotes. You can then choose whichever one is best and continue with the following steps.

Firstly, check the quotes to make sure your details are correct and the level of cover being offered.

Also visit the car insurance companies website to check your quote theree as well.

What you need to determine is if the policy is suitable for you?

This means checking that it has all of the benefits that you require, like replacement cars while yours is being repaired, etc.

Also look at the excess, since paying a higher excess can reduce the costs considerably, and whether adding or removing other drivers changes the quote.

Car insurance for young drivers:

Swinton have a young driver insurance package that is usually very competitive.

If you only use your car occassionally (maybe you use public transport), or you don’t do a lot of mileage, then a pay as you go insurance policy might suit you better.

Once you have found the cheapest car insurance quote, you can try the following tips to try & reduce it further.

Cashback deals. Some insurers are available through cashback websites, so it may be true that if you take out insurance through these sites, you will end up saving money even on the best quote (assuming the insurer is available through a cashback site).

Once you have your car insurance quote, and you’ve checked the details above, then you should haggle.

Car insurance companies are very competitive and companies do not want to lose your business. You can either use the quote from the car insurance comparison sites as ammunition to twist the arm of your existing insurer, or use it to negotiate with others - whichever way you do it, there will definitely be flexibility and savings can be made.

Using these techniques you should be able to save a minimum of 20% - 30% on your car insurance, some people can even manage over 50%, but it depends on your own personal circumstances.

Our Top 4 Car Insurers

Many of the other factors involved in determining Motorbike Insurance are the same as for car insurance, things like security, where you live, etc.
 

Best Bike Insurance

A few issues that apply specifically for motorbike insurance are:

Age of the rider - insurance costs can jump dramatically for bikers under 30, increasing even more spectacularly for those under 21, making third party insurance the most suitable cover for younger motorbike riders.

Mileage - give an accurate estimate of the mileage you do, otherwise you’ll end up paying too much for your motorbike insurance. This is especially true for bikers who use a car or other form of transport as their primary form of transportation.

Security - Motorbike security is one of the biggest issues for motorbike owners. Keeping the motorbike indoors or well locked up inevitably results in a cheaper motorbike insurance quote. Make sure that you take the best security precautions possible - it may lower you insurance quote a lot.
Protect your no claims - one claim free year for bikers increases the second years NCD to around 40%. Making sure that you look after your no claims bonus will save you a lot of money.

Once you have your motorbike insurance quotes double check the prices and try different policy details to see how it effects price, for example, a higher excess may bring the premium down substantially.

Some insurers pay cashbacks if you take out your motorbike insurance through cashback shopping sites, so this may be a way to cut your motorbike insurance even further, but it depends on whether the insurer you are looking at makes their insurance products available in this way, but it’s definitely worth a look.

All insurance is competitive, including the motorbike insurance market, so when you have a better insurance quote from a different supplier ring your existing company & try to get them to better that price - be careful to weigh up the extras, like replacement vehicles though so that you are comparing apples with apples!

Some motorbike insurance companies like eBike even do Pay As You Go insurance policies. With this you get insurance cover a month at a time and if you cancel your cover before your next monthly renewal then there are no cancellation charges, offering a very cost effective way to get bike insurance for riders who don’t use their bikes all that often.

Best Bike Insurance

Motor Cycle insurance is the cheapest it’s ever been, but by observing a few simple rules you will almost certainly be able to shave a few more pounds off your motor cycle insurance quote….

Best Bike Insurance

 
The internet has had the very desirable (from a bikers point of view at least) of pushing insurance prices down, by opening up the competition for customers in a way that has not been seen previously.

This means that it is now easier than ever to save money on your motor cycle insurance without giving anything away in quality of cover.

Our tip is to use the motor cycle insurance comparison sites, or the motor cycle insurance brokers on our insurance companies page to search across a large number of motor cycle insurers for you and to find the most competitive quote with all of the additional extras that you may need.

It is important to point out at this stage that you often end up paying for things that you’ll never use, so be sure to think carefully about what you’re paying for & to discard unnecessary extras if possible, since you will end up paying for them in the insurance quote.

Once you have your motorbike insurance quote, you can either take it if it seems like good value, or you can use it to try & negotiate a better price from your exisitng, or another insurer. They will usually do what they can to secure your business, but in either case you should end up with cheaper motor cycle insurance & no loss of insurance cover.
 

Best Bike Insurance

We would all like to make sure that we get cheap motorbike insurance, so here are our top tips to make sure that you get what you want…
 

Best Bike Insurance

Motorbike insurance, like all vehicle insurance is incredibly competitive. The internet in particular has opened the door to a huge amount of competition to the big name companies, since smaller insurance companies that you might not have heard of previously, and who didn’t have the marketing budget of other companies, can now compete on an equal footing, with plenty of exposure & low overheads.

Motorbike insurance comparison sites in particular are extremely helpful to smaller insurers, since they allow them to bid for business that otherwise they might not see, and consequently this has the effect of pushing down the price of bike insurance, which is good news for all bikers!

Our advice is to look at the short list of motorbike insurance companies on our insurance companies page, and to use the insurance brokers and insurance comparison sites to search for the cheapest insurance for you.

Once that you have a Motorbike Insurance Quote that you like, then you can either just go with that quote or use it to haggle with other insurers to try & secure a better deal.

It might take a few phone calls and a bit of tapping away on a keyboard to find the cheap motorbike insurance that you’re looking for, but it’s well worth the effort if it can save you money for that little bit of effort.
 

Best Bike Insurance