Most companies offer three types of insurance cover Comprehensive, Third party fire and theft and third party make sure you choose the one that suits your needs best. However cars valued at over £5000 normally can only be insured on a comprehensive policy.
If you need your car on a daily basis, choosing cover that provides a courtesy car while yours is off the road is a worthwhile option. In fact it may be essential. have a think if what your life would be like, should you not have access to a car. Remember, the accident may not be your fault.
You can reduce the risk of theft by parking off road on your driveway or garage,. Most insurers will offer up to a 5% discount if you do so. There are some insurers who claim to not inflate your premium due to where your vehicle is parked, but this may be subject to post code area.
Remember any claim made against your insurance company may affect your no claims discount and could lead to higher premiums. You can sometimes protect your no claims with an optional premium. make sure this is transferable to other companies though.
A lot of car insurance companies are now looking at customer's credit ratings, so if you have a good credit score you may benefit from lower premiums.
