|
|
|
||
If you want cheap UK car insurance quotes and live in the UK then we are able to help. As Insurance Brokers, B Portwood & Co Ltd have arranged access to several major car insurance providers. From our site you can access three online providers all of which offer cheap car insurance quotes - but for different types of drivers. You can also contact us on 0844 8262616 if you need cheap car insurance quotes and your needs are atypical e.g. convictions, accidents, young drivers or imported vehicles.
When asking for cheap car insurance uk drivers are primarily interested in the price they pay. By clicking on the links to our car insurance provider you can be assured that you will obtain a quote that not only provide you with the best i.e. cheap deal but will also provide wide cover. They are, however, obliged to put your best interests first (by law - unlike a direct company like direct line who offer very few different policies) and will discuss your needs to make sure that the cover you obtain will be the cover you most need. Did you know, by the way that at the time of writing May 2002 direct line do not give their policyholders a courtesy car after an accident!?
It is important that when obtaining a quote, you provide full information of all factors which could affect the insurance policy. A Broker will use this information to obtain a policy suitable and competitively priced and furthermore that the insurance company knows all the information they need to know. If you insure through a direct company it is up to you to provide the information that they require. If you get it wrong and make a claim it may be refused. You would use an Accountant to help you with tax returns, a solicitor to draft a will so you should use a professional i.e. a Broker to arrange your new policy.
We are looking for virtually any motorist. There is a minimum premium of £150.00 but these days with the increase in premiums in the last year and the forecast future rises it will be a really lucky motorist who will have a cheap car insurance. We do not mind if you have had accidents, theft claims, or convictions - motor or otherwise since we have a wide range of companies to choose from (another reason why a Broker offers better value than a direct company.)
The following are VALID ways to reduce the amount you pay - only use them if they apply to you and you can stick with them
Restrict the Drivers. A policy restricted to one named driver or insured and spouse is usually the cheapest. If you cannot restrict the policy then you can name the drivers - or at least exclude drivers under 35, 30 or 25
Increase the excess. An excess is the first part of damage that you decide to pay for yourself. Normally the excess applies to accidental damage and is taken on a comprehensive policy but you may be able to increase a fire and theft excess in some cases. Please note that most policies now have a £100 fire theft and accidental damage excess as standard - not to mention additional excesses for drivers under 25. Some companies claim to offer cheap car insurance quotes and fail to reveal that the excess is £350 or more!
Restrict the use of the vehicle. A policy restricted to pleasure use only is the cheapest, then commuting, then business use by the policyholder. If you travel between various places of work we recommend a policy providing business use.
Reduce the value of the vehicle. In the current climate the market value will have depreciated a lot over the last 12 months. Some insurers provide better quotes if the vehicle has a low value as they will pay less for a claim.
Change cover. If the vehicle is old it may be worthwhile looking for a quotation for Third Party Only or Third Party Fire and Theft.
Since many direct companies issue policies with a high excess you may wish to take out excess insurance. An excess insurance policy pays a fixed amount, typically the excess on your policy, should you make a claim that exceeds the excess on your policy and you can't recover (windscreen claims are not covered). Rates start from £25.20 and can be bought online - you don't need to insure your car with us to qualify. If you are interested, click here for information about excess insurance for your car.
Other UK insurance products - e.g. landlords insurance from our home page
If you dont want a UK car insurance quote online please call us on 0844 8262616 and we'll make a personal recommendation
Our home page deals with landlord insurance/ buy to let property insurance for landlords. If you want a quote for landlord insurance, buy to let insurance, let property insurance or landlords insurance, just click on a link.
Buy to let insurance and cheap single trip/ annual travel insurance is available from our home page.