Motor Insurance Explained
You have to have car insurance by law; it's essential to have it in place against the possibility of road accidents. Naturally, everyone wants to find the best quote for cheap car insurance, whatever their situation and we can explain the options you can choose, which ultimately will determine how much you pay.
Columbus Motor Insurance options
The best way to see the value of Columbus Motor Insurance is to go ahead and take a few minutes getting a quote. Once you have entered some of your details here are the main choices you will be presented with for coverage:
- Comprehensive cover
This includes the Third Party Fire and Theft cover, as well as loss of or damage to your vehicle caused by accidental or malicious damage. Comprehensive car insurance cover usually includes some personal accident benefit in respect of personal injury to you or your death (please refer to your policy terms for details). Theft cover for the contents of your vehicle is provided by most insurers but only to a specified amount and subject to policy terms. Details will be shown with your on-line quotation, when you compare car insurance. Audio equipment cover is provided by most insurers and full details will be provided with your on-line quotation. With the comprehensive cover from Columbus motor insurance you will receive a free courtesy car to keep you on the road when your vehicle is being repaired by one of the insurance company's approved repairers. - Third Party Only cover
This is the most basic motor insurance and covers your liability for death or bodily injury to a third party (including other occupants of your vehicle) and your liability for damage to third party property. This is the minimum cover required by law. - Third Party Fire and Theft cover
This covers third party risks as described above plus the risk of fire and theft in connection with your vehicle in accordance with relevant insurance policy terms. Some car insurers will provide cover for the contents of the vehicle and details will be provided with your on-line quote. Audio equipment cover is provided with a number of insurers and details will be provided with your on-line quotation.
How to keep your premiums down?
In these days of credit crunch and everyday bills not so much creeping—as shooting up, everyone wants cheaper car insurance. As you are probably aware, there are ways to lower your premium over time. Here are the main things you can do:
- Choose a higher excess
If you need to make a claim, you will have to spend a bit more but if you don't your premium will be cheaper. - Take a Pass Plus License
Aimed at new drivers, who statistically are more likely to have an accident, this scheme improves confidence and knowledge, while again: lowering premiums. - Build up and protect your No Claims Discount
Be careful on the roads and your reward will be cheaper premiums! For extra peace of mind, pay a little extra and have your no claims discount protected. - Buy a car with a smaller engine
The smaller engines are less powerful and therefore less capable of dangerously quick acceleration which could cause accidents. New drivers should consider 1.2 or 1.2 litre engines. - Restrict named drivers
If you are the only one named on your car insurance, the premium will be lower than having a partner on there.
Phone for quote: 012 345 678
Benefits at a glance
- Up to 70% No Claims Discount
- FREE courtesy car*
- 24hr Accident Helpline
- 24hr Claims Hotline
- 48hr Money-back Guarantee*
* Please see further
details in our terms of use.