Car Insurance Price Comparisons:
Quotezone | Gocompare | Tesco Compare

Car Insurance Companies and Brokers:
Direct Car Insurance listings

Car Insurance UK at Headlinehouse.com

There is a lot that's misunderstood about car insurance UK quote services. The biggest misunderstanding is undoubetedly the belief that you loose out if you don't compare multiple quotes via a price comparison site. Why do we say this?

Well, a price comparison site compares prices from all of their sizeable panel of car insurance UK companies and brokers, which are compared together as one large group.

It then presents you with its results for your car which, because lots of different types of policies are included, range significantly in price. When you look at such a list uncritically, it's easy to loose sight of why such a spread of car insurance UK prices is presented.

Were you to narrow your search and specify exact policy requirements, excluding those policies that did not match, you'd quickly notice that leading car insurance UK providers, when you compare the same levels of cover, have little to choose between them on price.

What this means in practice is that you are much better to compare car insurance UK policies on the basis of the actual cover you want as, by and large, the price will look after itself.

On what basis, you might ask, do we make this assertion? Well, we are not aware of many if any commercial markets that are as overcrowded and as fiercely competitive as the car insurance UK market. Apply the most basic principles of a free market economy to this reality and you can quickly see that no other configuration is possible for the biggest car insurance UK providers to remain viable in that market.

Once you accept this reality, it frees you up to consider direct car insurance UK providers as listed below without feeling the need to doggedly compare quotes via a price comparison system where, because price is everything, the featured policies are skewed towards the less inclusive levels of cover.

Another musinderstanding about car insurance UK policies is the belief that policy differences have minimal practical significance when a claim is needed. Many cheap policies have a very high excess; so, even before considering the cover, you can expect to pay much more yourself in an accident.

While people vary as to what they need or want from their car insurance UK cover, no case can be made for disregarding that cover entirely in favour of choosing on the basis of price alone.

Another misunderstanding is that summary policy information - that price comparison sites may provide - is automatically enough for an informed choice. It very often is not; so a look at the insurance company website may well be advisable.

Homepage