Unfortunately, the cost of insurance in the United Kingdom is much more expensive than it is in other countries around the world, partly due to the complexities of the insurance system. In other countries your profession is irrelevant and the only things that insurers are really interested in are your age, health and driving history. After all, if you are on the road it doesn’t really matter whether it is for social, domestic or business purposes – the fact is that you are there and are just as likely to cause an accident if you are driving on to get to work as you are to get to the supermarket as this depends more on your driving ability than on the reason that you are using the car, even though some would argue that the time of day has a major bearing on the likelihood of an accident occurring. Some people even feel,
that the way that insurance in the United Kingdom is affected by your profession is a form of discrimination.
If you are desperate to find discount car insurance the best thing to do is to buy an old (but safe) car and insure it under the terms of a third party fire and theft policy. This way you will be covered for damage you cause to other people’s cars in an accident but not your own. However if your car is worth next to nothing in the first place this doesn’t represent such a big loss, in fact the money saved on choosing third party insurance over comprehensive insurance might even buy you another old car.
Otherwise the best thing you can do is to shop around for the best quotes (in fact you should still do this even if you are choosing a third party policy). Use the internet to get online quotes and by doing so you will probably be eligible for an online discount. You can also use a service such ours which will search many of the leading car insurers for you and bring you back real quotes. You will have to enter quite a few details first, but this will save you a considerable amount of time and hopefully money. The chances are that this service will return with a good quote from a company that you either hadn’t considered or hadn’t previously heard of. If this saves you a few hundred quid then who’s to complain?
In addition you can also keep your eyes peeled for special offers through adverts on television and radio and in newspapers and magazines. It is illegal not to take out an insurance policy on a car that is being used on the road, or even parked on the road so make sure that you do take one out. Spending a few hundred pounds on an insurance policy is better than a fine or a jail sentence.
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