Many comprehensive insurance policies cover items like car audio systems, or roadside assistance. These can raise the premiums, so only get them on your policy if you really need them. Check out to see if your instant the idol car insurance quote, can give you a discount if you don't require them.
If you're involved in a road traffic accident that isn't your fault you have the right to claim back losses from the responsible party. This should not impact your no claims bounus as it was not your fault.
Even if you have had a poor quote from an insurer previously, try them again as sometimes their pricing structures change.
