Cheap UK motor insurance

For cheap UK motor insurance you should be prepared to shop around and consider what level of cover you require. A basic third party only motor insurance policy is the cheapest but may not be suitable if you have an expensive car. There are many things you can do to make you insurance even cheaper, from online offers to introductory discounts and more.

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To find out which ways you can save on motor insurance you should consider which class of driver you fall under;

• New or young drivers have no previous driving history so expect to pay more for UK motor insurance. To find cheaper insurance look out for online offers open to all drivers or introductory discounts which may only be available to drivers over 23 and hold a full licence held for at least 12 months. Young or new drivers can get cheaper UK motor insurance now for themselves by earning a no claims bonus as a named driver on their parents car. This is only available from Directline for the moment but in the future other motor insurance companies may follow.
• Women drivers are a low risk so many UK specialist motor insurance brokers have appeared but our advice is still to check the main insurers because the benefit from buying direct may result in cheaper motor insurance for you rather than using a third party broker.
• Over 50s drivers are a low risk so there are many UK insurance companies offering cheap motor insurance, Saga is well know but visit the websites of some other companies and you will see further discounts for the over 50s.

Your curcumstances also has an effect on the motor insurance;

• For those of you who have completed an insurance application form, either online or off, you will know that the insurers always ask if you have had any points on your UK driving licence within the last 5 years. Failure to disclose such a conviction could result in your insurance being invalidated. It means that any endorsement you receive will affect the insurance premium you pay every year for at least 5 years.
• Safe and careful drivers are rewarded by a no claims discount bonus which is one of the largest saving that you can make on your UK motor insurance. To keep your insurance low we recommend protecting your no claims bonus.

Finally you can take advantage of the many discounts out there;

• New customers can benefit from as discount when they change their UK motor insurance provider. Competition is so great that insurers are offering cheaper insurance in the first year to attract new customers which is also good news for new drivers starting on their first policy.
• No claims discount bonus is one of the largest saving that you can make on your UK motor insurance as it rewards safe and careful drivers. To keep your insurance cheap we recommend protecting your no claims bonus.