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Cheap car insurance
It's not always the best way to go.
Car cover is not "one size fits all", so before you change anything make sure you're comparing apples with apples.

Cheap car premiums! Cheap car Insurance! We see these messages everywhere, and when the financial pressure is on we might seriously consider looking at cheaper car insurance.

Your car is exactly that - your car. You chose it for a reason, you drive it for a purpose, and its wear and tear and the likelihood of something going wrong are a direct result of your unique lifestyle and driving patterns. This is what insurance providers mean when they promise to offer cover that meets your needs.

A practical way to assess the real value you're getting in return for your monthly premium is to think about what your priority is:
  1. to pay a lower premium now...

  2. to ensure a bigger payout in the event of a claim...

  3. to reduce the inconvenience of dealing with an unfortunate situation once it's happened - or perhaps it's all of the above?

It's these variables that influence your monthly premium, and, as the proverbial saying goes, the devil on this one lies in the detail. The summary below highlights what to consider before rushing out to buy cheaper car insurance:
Replacement Value:

You can insure your car for the following ...

Retail Value:
Higher Premiums- The price you would pay to buy a similar vehicle


Cars used for business or delivery purposes generally attract a higher premium than if you use your car for personal or leisure driving. Excess is the amount of money you pay towards a claim, the insurer pays the balance. The higher the excess, the lower the monthly premium.

More points of interest