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.
Failure to report an accident to your car insurance company, however minor the accident is, could invalidate your insurance policy. Most insurance companies share information.
If you were buying a new car you wouldn't buy the first car you see. Car insurance is no different you can save hundreds of pounds by shopping around.
One way to get lower car insurance is to buy a car that belongs to one of the lower insurance groups. These are norammly vehicles with a lower engine size and basic equipment and cheaper to repair in the case of an accident.