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.
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 haven't had car insurance in your own name before you could save money, as some companies offer an introductory discount or may take an existing driving history into account. This may be applicable if you have previously driven on your spouses policy or parents.
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.
