John Lewis Insurance:
Buying car insurance video guide
Car Insurance policies vary in how much cover they provide and the price you pay for them.
Our short video is full of top tips and things to look out for to help you find the right Car Insurance policy.
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Let’s face it, buying Car Insurance is confusing at the best of times. Policies vary in cost, but the really crucial bit is how much they actually cover you for. It can be difficult to work out who’s offering great levels of cover and value for money. And the type of car you’re insuring, your age and previous claims history will all influence the price.
So, to make it a bit easier, we’ve pulled together a handy list of things to think about to help you find the right policy.
First of all, you should think about the kind of cover you need: Comprehensive, Third party, fire and theft or Third party only.
If you choose third party only, you’ll be covered if you injure someone or damage their vehicle or other property, but you won’t be covered to repair damage to your car.
If you have third party, fire and theft cover, it will also pay to repair or replace your car if it’s stolen, damaged or destroyed by fire.
The most common option is comprehensive cover. This will also pay to repair damage to your car, in addition to all the cover provided with third party, fire and theft.
Secondly, you should think about what you want your car insurance to include. For example, do you need cover for driving abroad? Or for driving to and from work? Look for wide-ranging cover with a good choice of optional add-ons. Most providers will have a selection of add-ons such as breakdown cover, legal cover, or
Also, many insurers give discounts if you’ve had car insurance for a number of years without claiming. In some cases by paying a little extra, you can choose to protect this discount even if you make a claim, which, if you’ve built up a few years of no claims, could be worth doing.
Once you’ve decided what you’re looking for, it’s helpful to be prepared before you start the quotation process.
So what should you have to hand when you’re getting a quote?
- You’ll need all your personal details.
- Your car details such as registration, make, model and the year
it was built.
- Any additional drivers and all their personal details.
- Your claims history.
- Any penalty points or convictions including those for any
- The date you want your insurance to start.
And finally, try to choose a reputable insurance provider that you can trust. Finding good value car insurance is important, but knowing that you and your car are protected should the worst happen will give you valuable peace of mind.
Find out more about how John Lewis Car Insurance is with you
when it matters.