Car insurance company

Car insurance companies in the UK and ireland fall into two main categories; intermediaries and insurers who underwrite the risk..

An intermediary could be a broker such as AA car insurance will search for the cheapest car insurance company form a panel of over 20 insurers. Another form of intermediary is an agent who will only use one car insurance company to underwrite the risk, some motor manufacturers are agents to provide their own brand of car insurance.

An insurer is the actual car insurance company that underwrites the risk and they sell their services to intermediaries or direct to the public over the phone or online on the web.

The cheapest type of car insurance company for you depends on your car insurance group and your driving history. If you are a good driver with no claims bonus and a low insurance group car then buying direct from an insurer from the web should be the best way of finding a car insurance company.

On the other hand someone without a good driving record or a car with a high insurance group should use an intermediary car insurance company to search for the cheapest policy.

Specialist cars such as classic cars or performance cars should be insured by a specialist intermediary car insurance company as they have specialist knowledge and better rates.

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