Most of the time,
people will select a price comparison system to get car insurance cover
in this country. And, by and large, they will be impressed
with the savings they are able to make on their renewal quote.
In some cases, this saving on car insurance cover
is over a hundred pounds. The whole process is easy, quick and simple.
The great advantage is the need to fill in details just once and then
being presented with loads of quotes instantly, all conveniently in one
place. Difficult to fault, isn't it?
Well yes, if your aim is to save money on the cheapest car
insurance cover available, it's excellent. But, what if you consider
the implications of the success of price comparison sites from the
point of view of the car insurance cover providers? If they want to
sell more policies via these sites, they have to drop prices. So they
do. And how do they drop prices? They leave things out and increase the
Excess.
Thus, if you find car insurance cover that's,
say, twenty pounds cheaper than any rival quote, the first thing you
must ask yourself is what's been left out. To buy it on the basis of it
being the cheapest is exactly what its provider designed it for, but
it's hardly the right thing to do, unless you've scrutinised the cover
and have determined that it is adeqaute for your needs.
The latter is an important point too. You have to consider what you
would need in an accident. This is not a time for wishful thinking and
hoping that you'll never need to claim.
Of course some price comparison sites do try to help with this quality
of your car insurance cover issue. Gocompare, for example,
offers a 5 star rating service whereby you can check which policies
meet your requirements. This is very summarised infomation, however,
and you may still need to consult with insurance companies (online) to
find out more.
Because of the above quality concerns, the difficulty in comparing
similar (better quality) policies through a price comparison site and
the reality that alike policies tend to be close on price anyway, we
believe that UK motorists should be more willing to go direct for car
insurance cover to leading car insurers such as those we link to below.
We would advise a look through these listings to see what car
insurance cover is on offer. Some impressive promotions can
often be found, while these insurers build in more attractive quality
control.