When it comes to buying motor insurance, there are a lot of things to consider. You want to make sure that you are getting the best coverage for your needs at the best price. In this blog post, we will discuss five things that you should keep in mind when shopping for car insurance.

When it comes to deciding what type of motor insurance you need, it is important to consider what level of coverage you require.

Third party insurance will cover damage that you cause to other people’s property, but will not cover any damage to your own vehicle.

Third party fire and theft insurance will cover damage caused by fire or theft to your own vehicle, as well as any damage that you cause to other people’s property.

Comprehensive insurance will cover both damage to your own vehicle and damage that you cause to other people’s property.

Ideally, we feel that most first time car owners should opt for comprehensive insurance cover.

Some other considerations for the type of motor insurance you need will be things such as the value of your car. If your car is not worth very much, then it might not make sense to pay for comprehensive coverage.

Another thing to consider is your driving history. If you have a good driving record, then you might be able to get by with third party insurance.

The last thing to keep in mind is the cost of your premiums. Comprehensive insurance will typically be more expensive than third party insurance, but it is important to compare rates from different insurers before making a decision.

Your excess is the amount of money that you will have to pay in the event of a claim.

The higher your excess, the lower your premiums will be. However, you need to make sure that you are comfortable with the amount of excess that you are willing to pay.

You should also keep in mind that the excess is usually per claim, so if you have multiple claims, you will have to pay the excess for each one.

When it comes to deciding how much excess you are willing to pay, it is important to consider your budget and your driving history.

If you have a good driving history, then you might be able to get by with a higher excess.

On the other hand, if you have had accidents or speeding tickets in the past, then you might want to consider a lower excess.

In the event of an accident, you will need to send your car to a workshop for repair.

Most insurance companies have a list of approved workshops that you can choose from.

However, some insurers will allow you to choose any workshop as long as the repairs are done to a satisfactory standard.

For some drivers, they may have a preferred workshop to send their car to for repair in the event of an accident.

Especially for new drivers who may not know which car workshops are trustworthy, having the choice to go back to manufacture’s agent will be a safe choice.

A motor insurance policy allowing such flexibility will be a bonus.

When you are shopping for motor insurance, you should also consider any additional features that you might want included as part of your policy.

For example, some policies will include breakdown cover or legal expenses insurance.

Do check with the insurer on the level of breakdown cover they support. Some common features are 24/7 roadside assistance in the event of breakdown and transport allowance during the period of car repair in the workshop.

Some workshop may even provide a replacement car for you to use for the duration of the repair of your car.

These are not essential, but they can be useful to have in the event that you need to use them.

Last but not least, you should also consider the claims process of the insurer you choose.

The claims process is the process that you will have to go through in the event that you need to make a claim.

You should check with the insurer to see how their claims process works and what you will need to do in order to make a claim.

Some insurers have a 24/hour hotline that you can call in the event of an accident, while others may require you to submit a claim form online.

Be sure to check the claims process before you decide on an insurer so that you know what to expect in the event that you need to make a claim.

If you are looking for motor insurance coverage, be sure to speak with us today to compare the best quotes.