You can reduce payments by offering a voluntary excess, but keep in mind not to offer a huge sum as you will need to meet it if you make a claim that is your fault. many think they will never make a mistake and it will only be someone else, but statistics shows otherwise.
If you are unfortunate enough to be involved in an accident contact your insurance company as soon as possible, even if you are intending not to make a claim on your insurance.
Until your insurance company issues you with a cover note or a new policy then your car is not insured. That does not mean you need to have recieved your cover note. Many companies, give you instant cover, where the agreement is there imediatly.
