No one enjoys purchasing car insurance, but it is a necessity in the UK.
The law says that everyone that drives must be insured. It does not matter how
young or old you are. What everyone wants to do is to save on car insurance. If
you own more than one car and are presently carrying individual policies, you
may be spending more than you need to. You should price multi car insurance and
see if it is cheaper. In most cases putting all of your cars on one policy will
save you money. This is something worth checking into if you want to save money.
Multi car insurance is a single policy that covers multiple cars. You can insure cars, vans and motorbikes with multi car insurance. What you really need to do is to get quotes for individual policies and then do the same with multiple car insurance quotes. Go with the cheaper of the two. Some people will find that a multi vehicle policy is worth a little more money because it is so convenient. You will only have to worry about one payment instead of several individual ones. Some people like that it is cheaper than having individual policies.
You can get multiple car insurance in both third party and comprehensive. Third party will pay for the damages to the other driver’s car if you cause the accident. It pays nothing for the damages to your car. This is something you will have to pay for out of pocket. Car repairs can get expensive. Many people will not be able to afford the repair costs for their car. Comprehensive insurance pays for damages to your car and the other driver’s car. You will have copay but that will be something that you will be able to afford. Your car repairs are paid for so you don’t have to worry about a vehicle if you cause an accident.
Often new vehicles will have to carry comprehensive insurance. The financial institution will want to know you will be able to get the vehicle fixed in case you cause an accident. They are protecting your investment and theirs. If you have an older vehicle that doesn’t have much value, you will probably want to carry third party on it. If you get in an accident you would just let the car be junked or used for parts. This is when you want to get several quotes on insurance. If you own a new vehicle and an older vehicle it may be cheaper for you if you have individual policies. You would have to put both under comprehensive because of the new car. It could be cheaper to have one car covered by comprehensive and the other, older vehicle under third party.
Something else to take into consideration is the no claim discount. As long as you don’t have to put in a claim there will be no problem. If you do put in a claim you will lose the no claims discount on all vehicles. Usually this is not a problem. Car insurance for multiple cars will usually save you money. Use the internet to see different quotes and start saving today. You will save time and money with one policy.
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