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Car insurance is almost certainly the financial product most commonly held by consumers in the UK, with the possible exception of a bank or savings account. This is hardly surprising: if you drive a vehicle, insurance is compulsory. In theory, this ought to make everyone a car insurance expert, able to get the best deal on their motor cover. Yet too many of us tend to stick with the same insurer for too long and end up paying hundreds of pounds more a year than we need to. Conversely, you can pat ourselves on the back because you have found ultra-cheap car insurance – only to discover that when we make a claim, certain items were never covered under the terms of that policy. Shopping around is the starting point for anyone who wants the best car insurance deal. But knowing how motor insurance works can help you get an even better deal – not just on price but in terms of the service you may need from your insurer. It tries to answer some of the most typical concerns of motorists: everything from explaining how your quote is set and tips on how to cut the cost of your cover, to the various steps involved in making a claim.
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