The Top Recommended Insurers from Insurancegroups.org.uk

Our Top 4 Car Insurers

Our Top 4 Van Insurers

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

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

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

Swinton Car Insurance gives you top class insurance cover from a name you can trust. Swinton were top insurance broker of 2008 and are even competitive with insurance for the higher car insurance groups.

Our Top 4 Car Insurers

Swinton offers its car insurance customers…

• Up to 25% online discount.

• Searching a panel of over 25 insurance providers to bring customers our best deal.

• Full online, easy to use quote and buy functionality.

• Great service which helped us win the ‘Insurance Broker of the Year 2008’ award.

The Prudential routinely beat every other car insurance provider on price, and offer a top class insurance product to boot – and yes, we all have our car insurance through the Pru!    Click here for an online quote

It’s a fact that 51% of people could save with Prudential Car Insurance!

Prudential Car Insurance Description: Established in 1848, today Prudential plc is a leading international financial services company with some 21 million customers, policyholders and unit holders and some 23,000 employees worldwide.

The Car Insurance product is underwritten by Churchill and offers high quality insurance at competitive prices. Prudential Car Insurance: 51% of people could save with Prudential Car Insurance (Direct Excellence: January 08) (UKI 65)

With Prudential/Pru Car Insurance, the following are offered:

• FREE Prudential breakdown cover with every purchase, including: Roadside assistance
•  Local recovery No callout charges – A guaranteed courtesy car is provided whilst repairs are being carried out by one of our approved garages.
• A 5-year guarantee is made on all repairs carried out
• Up to 65% No Claims Discount, up to 70% NCD if you are aged 50+
• Up to 10% Online Discount
• Pay in instalments (subject to status)
• 90 days EU cover included with comprehensive policies
• Up to 35% discount, if you don’t have any No-Claims Discount
• Discounts for Passplus certificate holders
• New for old cover on cars under 12 months old on comprehensive policies.
• If your car is stolen and not found, or following an accident, requires repairs totalling more than 60% of the last UK list price (including taxes), Pru will replace it, like for like, providing you are the cars registered owner.

Current Campaign Prudential Insurance currently has a heavy above the line campaign which span across many media lines on and offline, including TV.

The campaign centres around the powerful product benefits which Prudential offers on it’s Home and Car Insurance products, positioning the benefits as a response to listening to what customers really want from their insurance.

One exciting new feature on car insurance is a ‘Uninsured Driver Promise’ which means that if Comprehensive policy holders are hit by an insured driver, they will not have to pay their excess and their No Claims Discount will be unaffected.

As well as an enhanced product offering, generous discounts are also available such as up to 10% online discount for car insurance and up to 20% online introductory discount for home.

Prudential are an established, well-recognised and trusted brand and a straight-talking brand which is known for its high level of service Online consultants eBenchmarkers ranked their website number one in the insurance industry for efficiency, in terms of quote completion (Autumn 2005 Online General Insurance Report).

This means their site offers the greatest ease of use at an optimum speed, when customers use their quote and buy process. 

What Prudential offer their customers: Competitive car insurance, a website that is easy to use and very quick to get a quote and buy a policy from, as well as secure online payments.

Click here for an online quote

Car Insurance from eCar.

Our Top 4 Car Insurers

eCar Insurance is an online car insurance solution that lets you manage your car insurance – 24 hours a day, 7 days a week.

Why bother with call centres and automated phone lines? Our unique system puts you in control and rewards you with great value car insurance quotes.

We offer car insurance at competitive prices to suit your individual needs and selecting the right cover couldn’t be easier. As well as our Standard Annual Policy we offer a Short Term Policy from 1 to 28 days, or a flexible Pay As You Go (PAYG) monthly policy.

You can even add Multiple Cars and Drivers to a single policy

With eCar, cheap car insurance is only a click away – we save you money by providing insurance direct, rather than being a broker like many of the other main car insurance companies.

Get a quote today and see how much you can save!

Car insurance renewal time doesn’t have to be a headache with Beat the Quote!

Our Top 4 Car Insurers

Beat that Quote are one of the UK’s leading & most rapidly growing car insurance comparison companies. With beat that quote you can be sure that you’ll find the cheapest quote with the minimum effort, regardless of which car insurance groups, age groups, or other circumstances you or your car fit into!

Our Top 4 Car Insurers

Car insurance doesn’t need to be difficult with Insurance Choice. With a wide range of products covering drivers of all ages & with all levels of No Claims Bonus (NCB), you can be sure that you will find the right car insurance policy for you.

Insurance Choice are authorised and regulated by the Financial Services Authority and is entered in the FSA register, number 452767. The name address and regulatory status can be checked by visiting their website at http://www.fsa.gov.uk/register or by calling them on 0845 606 1234.

The Financial services Authority (FSA) is the independent watchdog set up by the government under the financial services and markets act 2000 to regulate financial services in the UK, and to protect the rights of you the retail customer.

The FSA aims to promote effiency, orderly and fair markets, help you the retail customer achieve a fair deal. They are funded by the firms that they regulate.

We have to by law be authorised by the FSA to transact any kind of insurance business in the UK. Being authorised means that we must follow all rules set by the FSA and we are audited on this on a regular basis.

To find out more about the FSA and how they regulate ourselves and protect you the individual click here www.FSA.Gov.uk/consumer

Insurance Choice is an online insurance broker set up and run by highly experienced insurance professionals to provide a service to individuals and businesses who appreciate the benefits of the internet but who still appreciate a personal service.

Insurance Choices insurance options are very competitive no matter what make or model you drive, or which insurance groups your vehicles might fall into.

Online and On Your Side

It costs far less for us to sell you a policy through our web site than on the phone so we share the savings with you. It’s as simple as that.

We do have a huge amount of expertise within Insurance Choice and we put this to work for you by creating simple buying guides you can find on Insurance Choice.

Know more – Pay less

If you learn a little more about how insurance works you can often pay less for the same policy or get a better, cheaper policy for you.

Insurance policies vary in the premium you pay, the cover you get, the excess (how much you pay if you have an accident) and the claims service.

To learn a little more about how insurance works, go to our Further Information sections which can be viewed under whichever insurance type you select. You will find useful tips on how to get your insurance costs down. The cheapest and best insurance deal is waiting for you at Insurance Choice.