Some people believe that car insurance is just a commodity - it isn’t.
All too often, drivers do not discover the importance of having adequate cover in place until after they have an accident. We are all concerned about saving money where we can, but trying to cut corners on your insurance cover may cost you much more in the long run if you have an accident and are sued by the other party involved.
Thankfully, there are still some good ways to keep costs down; many factors such as your driving record, type of vehicle and vehicle use may provide discounts. Most car insurance carriers also offer many other discounts. Depending on the carrier, this could include a discount for owning a home or a discount for payment in full. As your Insurance Broker, we will seek out these discounts because it is our job to make sure you have the best possible protection at the lowest premium available.
Another way for us to ensure that you have the best protection at the lowest premium available is to examine your necessary coverage levels. There are several different levels of coverage that make up an car Insurance policy:
- Third Party Liability: This is the most basic form of car insurance cover, it provides the minimum cover allowed by the Road Traffic Act, it get you on the road, street legal, and provides liability cover for damage or injuries you may cause in your car. There is no cover for Fire, Theft of accidental damage incidents. Stan Crosby
- Comprehensive: Covers damage to your vehicle resulting from something other than a collision. Examples for this would be hitting a deer, broken windshields, theft or flood. This pays for the damages that result from an accident caused by an uninsured motorist.
- Protected or Guaranteed No Claims Bonus Cover: The premiums for this extention varies depending on the insurance provider, but typically the extra charge levied is between 10%-15%. This means you can have a couple of claims during a 5 year period and you do not lose your No Claims Bonus discount, even if you were really unlucky nad had a 3rd claim you bonus is reduced by 2 year step back.
As independent Insurance Broker we can provide you with literally hundreds of combination's of cover from several different insurance carriers. We are not limited to just one insurance company so, please, contact us today! As your insurance broker, we will provide you with a free, written analysis of the best cover at the lowest possible premium.