How to buy motor
insurance online
Some,
perhaps most, would argue that with the ready availability of powerful
aggregator services - that allow for the comparison of hundreds of
policy prices with a single form - that it has never been easier to buy
motor insurance online.
To which we would add: It has never been easier to buy the wrong policy
when you are spoiled for choice by these price comparison systems yet
there is no built-in quality control.
Arguably, there is a built-in emphasis on low quality, given that the
primary purpose of these sites is to help you to save money and, by
so-doing - especially where you save a lot of money - you are,
inevitably, accepting poorer cover.
What's worse, many buy motor insurance online without taking the time
to find out what their cover includes or, indeed, excludes. Many don't
even know the size of their excess.
And yet, the motor insurance policies that top (in terms of low price)
the price comparison site listings are characterised by a lack of the
kind of policy features that most would prefer and a high excess.
Many may say to this: Yes, there's an element of risk in buying cheap
but I probably won't need to claim and I could do with saving a bundle
of money right now.
If you want to adopt this risky standpoint, it still makes sense to
know what you're getting in terms of policy features. While, it has to
be said, that almost all of those that take this position before an
accident realise their mistake when they face a high cost themselves as
a result of any accident.
To knowingly buy motor insurance whereby having to claim is the worst
possible outcome that you would not wish to face - which, we would
suggest is what many people do - does not stand up to objective
scrutiny.
So, if you do use price comparison services, at the very least check
over the cover carefully and don't be afraid to visit the insurance
company websites for policy details. Also, don't feel obliged to buy
the cheapest quote or to allow price considerations to become more
important than vital policy features.
To give you good quality cover easily, we actually suggest going direct
to a top insurer where not only is quality cover available but
competitive pricing is routine. People see the prices generated by
price comparison sites as very helpful, but, as these prices are for a
wide range of policies, the cheapest of which are better avoided, the
question has to be asked as to whether this price-led approach to
policy selection is especially useful in terms of getting you the cover
that will serve you well in an accident.
A standard car
insurance
supermarket allows you to
quickly
research the leading motor insurers. We recommend it.
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