How to get a deal that’s right for you

PRICE comparison websites such as Go Compare, Compare The Market and Confused are a convenient way to buy car insurance, but make sure you get the right deal at the right price.

BE REALISTIC about how much your car is worth. Insurers only pay market value if it is stolen or written off – so providing an overoptimistic price for the vehicle might simply lead to higher premiums.

RESTRICT cover to named driver rather than ticking the ‘any driver’ box. Also consider where the vehicle will be parked. Off-road parking should mean lower premiums.

SPECIALIST brokers and price comparison websites can help get you a better deal but it might also be worth calling insurers direct to see if they can beat an offer. Some providers, such as Direct Line, do not include their deals on comparison websites.

ONCE you have found the best quote don’t rush into signing up – check the small print to see exactly what you get for your money. Important details are the level of excess (the contribution you pay on any claim); cover for medical and legal expenses, personal accident and personal belongings, car stereo and loss of keys; noclaims protection; breakdown cover and insurance; and a courtesy car if yours is off the road.

IF YOU opt for a higher excess you are likely to get cheaper premiums but while £200 might be acceptable £500 could be too high.

FOR most drivers, a fully comprehensive insurance policy offers peace of mind and can work out cheaper than just third party, fire and theft. Fully comp covers against any damage caused both to your own and to any other vehicle involved in an accident while third party covers against damage to others. Drivers with a more ‘risky’ profile often seek third party cover so insurers push up the price.

IF AN accident is your fault and the damage is minor it might be worth dipping into your own pocket to foot the bill rather than risk losing a valuable no-claims bonus.