Car Insurance

This gives comprehensive car insurance cover when you are involved in accidents, or damage your car. It lets you repair or replace your car, even if the accident was your fault, or you are hit by an uninsured driver.

Third party insurance covers the costs of any injury or damage you cause to others. But it doesn’t cover the cost of repairing or replacing your car.

Also known as TPFT insurance, this will include standard third-party protection. It also covers your car if it is stolen, damaged, or written off because of fire.

This is a great option if you are want to save on insurance quotes in the UK. Black box, or telematics insurance lets insurers track and reward safe driving with lower insurance premiums.

Temporary car insurance policies are available from as little as one day, or even one hour. You can also find short term car insurance that covers you on a weekly or monthly basis. 

Car breakdown cover offers roadside assistance to help get you back on the road when your car breaks down.

When your windscreen is cracked or chipped, windscreen cover will pay to repair or replace the glass.

This protects you from any legal costs you need to pay following an accident that wasn’t your fault. This could include claims against an uninsured driver. 

Modern keys can be expensive, so having car key cover to take care of the costs of replacing or reprogramming lost or stolen keys can be handy.

Excess protection cover lets you claim back any voluntary or involuntary excess you’ve paid when claiming on your car insurance policy.

Driving other cars, or DOC insurance covers you for driving other people’s cars, as long as you have their permission. 

Personal accident cover ensures you are compensated if you suffer injuries in a car accident. This can be extended to include your passengers and other drivers too.

A long no-claims history can go a long way towards getting more competitive insurance quotes for your car. No claims bonus protection means you can keep these savings even if you make a claim.

European car insurance provides comprehensive coverage when you drive abroad. It means you have protection when driving in EU countries, including Ireland. 

The insurer will provide you with a temporary courtesy car while yours is being repaired. 

Covers personal possessions if they are stolen from your car, or destroyed in an accident. 

Covers the cost of having your tank drained and cleaned if you use the wrong fuel.

If you can pay your car insurance premium annually, you will save on the interest charges that are applied when paying monthly. 

Preventing theft or damage to your car by parking on a private driveway rather than a public road could save you up to £140 on your car insurance. Upgrading security systems like engine immobilisers or GPS trackers could also get you lower premiums. 

Your car make and model will dictate what insurance group your car is in. Low insurance groups can contribute to low premiums. Powerful engines and car modifications can increase your risk and cost more to insure. For example, Audi insurance groups range from 14 to 50 depending on the exact model you own.

Black box or telematics insurance policies are a great way to get competitive car insurance for first-time drivers. Especially for 18 to 24-year-olds who could save over 6% on their premiums with these policies. 

Choosing the coverage, extras and excess that best suits your needs means you won’t overspend. Don’t make assumptions on which policy will save you money. Drivers aged 21 or younger could save an average of 11% by choosing a fully comprehensive policy over third party only coverage. 

This can help you avoid accidents and retain your no-claims bonus. It can also help keep points and convictions off your licence. Having just 3 penalty points can increase car insurance premiums by 5%, and 6 points can increase the cost by 25%.

The best time to renew your insurance is typically 20 to 30 days before your insurance is due to renew. When you use Quotezone to buy car insurance, we will email your renewal reminder at this time so you don’t miss out on savings. 

Using car insurance comparison sites to shop around can help you find a low cost policy. It also saves on the time-consuming task of contacting vehicle insurance agencies alone. You could save up to £515* when you compare car insurance quotes at Quotezone.

Regardless of if the accident was your fault, or you were hit by another driver, contact your own insurer. Let them know the date, time and location of the incident. and any other parties involved.

You will need to share your insurance policy number and any documents that support your claim. This can be a police report, photos, dash cam footage, or contacts for witnesses.

Your insurers will investigate the claim and its evidence and will authorise compensation or repairs through a chosen garage if the claim is approved. 

When the claim is settled you will be reimbursed for the repairs to your car. How long it will take to settle your car insurance claim will vary depending on the insurer and the complexity of the claim.