Five Things You Didn’t Know About Your UK Car Insurance Deal

Purchasing car insurance deals can be challenging and even confusing for many drivers in the United Kingdom. Once you have a policy in place, it is easy to put your cover on auto-pilot and keep renewing it without really considering what it has to offer. However, once you understand more about car insurance, you may decide that it is worth the time and effort to shop for new rates today.

1. You Have Cover Options

There are three main types of cover that you can purchase. These include a Third Party Only (TPO) policy, a TPO policy with Fire and Theft and a Comprehensive policy. Your need for cover can vary, however.

All drivers are required by law to purchase at least a TPO policy, but your auto lender may have required you to purchase a different policy years ago. If you have paid off your car loan, however, you may be able to scale back to the TPO policy. It is important to understand these options if you want to purchase the right policy for your needs.

2. You Can Adjust Your Premium Amount

You may think there is nothing you can do to change your premium amount, but this isn’t the case at all. In fact, you may be able to adjust your premium by making one single, easy effort. With an adjustment to your excess, you can alter the premium price you pay. This is a great way to make your insurance more affordable.

3. You Should Shop for New Rates Regularly

Insurance rates are determined through a rather complicated analytical process. Everything from your own driving history, your age and where you live to the value of your car and repair statistics related to your car will have an impact on your rate. Each of these factors will change with time, so it is in your best interest to shop for new rates every year or so to identify savings.

4. You Have Payment Options

If you are struggling to pay your car insurance premium in full, keep in mind that you typically have payment options available to you. For example, you may be able to pay your premium in convenient quarterly or monthly installments.

5. Your Policy Can Give Back to the Community

With certain types of car insurance policies, your policy may actually give back to the community in a meaningful way. One example is a green insurance policy. This type of policy may be purchased from an eco-minded insurer and may offer the policyholder incentives related to offsetting carbon emissions.

After taking time to learn more about car insurance, you may have decided that you want to take a few minutes to review your current policy and shop for a new policy. Take time to put Express Insurance to use, and you may discover that a new policy can benefit you in a number of ways.

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