Insure Your Car Third Party Only.

By law third party only is the minimum cover you are required to have, and it’s also the cheapest. You can consider this type of cover when your care value is low. Remember any damage to your vehicle would not be covered for repair if you met an accident.

Keep a Clean License.

Car insurance companies take driving convictions too seriously and can increase your car insurance premium. If you keep your license clean, it proves that you are a safe and careful driver.

Remove Unnecessary Drivers.

Removing young drivers who are no longer using the vehicle can also reduce your premium.

Add Old Drivers.

Some insurance company reduces young driver premiums if they have an older named driver on the insurance.

Build up your no-claims discount – The factors which affect car insurance premiums are the number of years no-claim’s discount. You can get up to 75% of discount or around five years of no claims. Insurance company will see you as a safer drive is you stay to claim free.

Protect Your No-Claims Discount.

This increases your premium, but if you have many years without any claims you may want to protect it. As a small claim may increase your premium by up to 75%.

Buy Lower Insurance Group Car.

The car you drive plays an important role in your insurance premium. Most insurance companies adopt the Association Of British Insurance Group Rating. Rating is done between 1 to 20, higher the group the higher the premium. Getting a car with low rating can lower your premium as well.

Join a Car Club.

If your car is a classic type you can join the club related to your car. Most car club provides good insurance schemes with low premium rates.

Spouse as Named Driver.

When you add a spouse as a named driver some insurance companies offer discounts. They see marriage as a sign of stability and associate stability with safe driving and hence give you a discount.

Take Pass Plus.

Consider taking your pass plus if you are a new driver. Insurance company may give you up to 25% discount on passing the test and having no-claims can make a considerable saving.

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