Reducing Car Insurance Premiums UK
Cover type
First you must decide what type of cover you require. The options are third
party, third party fire and theft or fully comprehensive. The difference in
cost between these types can vary tremendously.
No Claims Discount
(NCD)
Every year you have personal vehicle
insurance and you do not claim, your no claims discount builds up. This can save you up to
60% off your premium and as such is the single biggest factor in reducing
insurance costs. If you have fully comprehensive cover,
for a small premium you can have a protected no claims discount or PNCD
Choice
of Vehicle
Before you buy a new vehicle, it would be wise to get a couple of insurance
quotes so you won't get a shock later. Read our quick guide to which vehicle to
choose.
Security
Consider fitting some extra security devices such as a Thatcham approved alarm
system. Some insurance companies may give you a discount. Consider where the car
will be stored as a garaged vehicle will be cheaper to insure than one parked on
a public street.
Driver
Special Rates
Special rates can be negotiated for many drivers for a variety of reasons.
Driver skill is the most common so completing an advanced driving course could
save you 5%.
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