15/03/2019 How to save money on your car insurance

If you’re looking to save money on your car insurance renewal, we can offer you a few tips on how to save the pennies.

There are a few things you should look out for when renewing your policy in order to get the best deal on your insurance.

  • Make sure you always shop around. Using comparison sites is always helpful but once you have your quotes, ensure that you call your current insurer and tell them you have been offered it at the cheapest offer on the comparison site. Some insurers will try to match the price to keep you on board

  • You can set your voluntary excess higher. If you are a sensible driver then you can claim your excess back if you have a non-fault accident from the other parties insurer. You can alternatively use an accident management company like Car Call if the accident wasn’t your fault as you will not have to pay your excess in the first place, plus you will always be provided with a comparable replacement hire-vehicle instead of a courtesy car

  • Consider the mileage on your insurance proposal . Keeping track of your mileage is important and can show your insurer that you are a lower risk as you are not on the roads as much

  • Never allow your policy to auto renew . Insurers often charge a higher premium on renewal. Ensure that you remember the date your insurance is due and start to shop around approaching the renewal date

  • Adding a responsible named driver can sometimes bring down the cost of your insurance, its handy to add someone who hasn’t had any driving offences and doesn’t drive that often. This can sometimes lower the cost of your insurance

  • Paying annually can save you money over the year as well, sometimes you can be charged up to 25% more if you opted to pay monthly

  • Some insurers check the electoral roll to confirm identity when giving you a quote for your insurance, if the information on the electoral roll correspond to the information you have provided, the insurers can add more to your quote or simply refuse to offer you a policy at all. So it is a good idea to keep the electoral roll up to date

  • Third party insurance is not always the cheapest. Make sure you are checking all the different types of insurance you can buy as sometimes fully comprehensive insurance can turn out cheaper than third party fire and theft cover, especially on a lower value vehicle

  • Consider increasing the security on your vehicle . If you were to improve your alarm, add dash cameras and add immobilisers to your car you can add a discount to your insurance of up to 5% as long as you disclose these to your insurers

  • Consider getting a black box installed. If you are a sensible driver you can get a black box installed in your car, this provides the insurers with data on how you are driving and can send reports to your insurers, they in turn will provide you with a cheaper policy if your driving is of a consistently safe standard.

All information is believed to be correct at the time of publication.

No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a comparable replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a comparable replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury