Car Insurance - Get Comprehensive!

My annual car insurance premium was due recently. Premiums were rising, so despite me not having any claims, I would have to pay more.

As every year, I did a search using the comparison web site GoCompare. In the past years, I did have good experiences with them, and I always found the best price through them. I did also contact some insurances directly which were not among their offerings, but I very often found that those insurances were still more expensive than the cheapest listed in GoCompare, except once when my renewal and staying with the same insurance was the cheapest option.

I again tried GoCompare, because in an experiment two years ago, I concluded that they did offer the best capture of my data, relevant to my situation as a non-UK driver with EU license. The other competitor comparison sites did have some trouble with that. And now I am also too lazy to try those out again - takes a lot of time to enter all the data, and GoCompare already has them stored from my last years of searching.

Of course, if I would base my choice on the commercials which these comparison sites run, then I would definitely take Compare The Meerkat, aeh, I mean Compare the Market - these commercials are really good and not as annoying as the singing tenor or the confused cartoon lady.

When I tried this year to get a car renewal quote for the insurance with the least features (just 3rd party), I got only quotes which were the same or more expensive than what I already had. Disappointing. For fun I selected then "comprehensive" - and the quote was about £ 200 cheaper! This is quite surprising, that an insurance which would provide more cover, would cost less. Has probably to do with the average comprehensive client, who drives maybe more carefully.

The same was confirmed for another renewal - saving £ 150 then. So it appears to be well worth choosing a comprehensive insurance, if you want to save money on the insurance fee.

If you do not like to go through comparison web sites, then you may try directly with SwiftCover - in both cases they were the ones with the lowest premium (naturally, they try to sell additional items on the insurance, but these can be unchecked). They operate mostly web based, so no postal mail is sent - better back up your data and the policy then! But this approach appears to make them quite efficient. Of course I had no opportunity yet to test how they are when a claim should be filed... but I hope that I will not need to do this anytime soon.