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insure your car with motorly

Looking for a car insurance quote? At motorly, we take the hassle out of car insurance. Save money today on your car insurance quote – motorly makes car insurance simple.

Whether you’re looking for classic car insurance, cheap car insurance for your hatchback, an affordable quick quote for your SUV, or a good family car insurance policy, we can help help you find the best deal. We have access to a panel of car insurance providers who specialise in helping customers save money on their car insurance premiums.

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frequently asked questions

types of car insurance

UK car insurance comes in three main categories. You can get a quick insurance quote for:

Third-party: This is the minimum legal requirement for car insurance. It’s a basic form of insurance that covers the costs of any damage incurred while driving. For example, if a driver is in an accident with another car, the at-fault driver is liable for damage to the other person’s car, and for any medical expenses they incur as a result of the accident. Note, however, that the insurance does not cover the costs of damage to the car belonging to the driver who is deemed at fault.

Third-party, fire, and theft: This is similar to third party insurance, but also covers the cost of replacing a car if it’s stolen or damaged in a fire.

Comprehensive cover: Provides everything as above, but also covers costs for repairing the car belonging to the at-fault driver.

Depending on the insurer and the policy, the driver may be covered when driving other cars, including hired cars. Some policies also allow you to name other drivers to be covered when driving their car.

what is special coverage?

Car insurance providers offer coverage for a wide range of special groups, including older and younger drivers and others. For example:

  • Younger drivers typically pay higher premiums, because this demographic tends to have more accidents. As a result, for drivers under 25, it may be worthwhile to get a policy targeted to this age group.
  • Older drivers over the age of 50 may also benefit from getting a specialist policy.
  • Poor driving record: It’s typically difficult for people with poor driving records, to get affordable insurance. Choosing a specialist insurance provider can help with this.
  • Business and commercial drivers typically need specialist insurance.

optional extras

These options add convenience, but will increase the cost of insurance:

  • Breakdown cover provides roadside assistance when the policy owner’s car breaks down.
  • Legal expenses are covered if they arise as a result of compensation claims made as a result of a vehicle-related accident.
  • Windscreen cover is typically included in comprehensive policies but can be purchased as an add on for third party cover.

what are the best ways to minimise premium costs?

One possible way to get cheap car insurance could be by owning a car in one of the lowest premium groups. This typically means owning a newer car. When it comes to calculating premiums, insurance groups may not be the full story, however. Insurance companies might use other information, such as age, gender, and driving record, when they calculate premiums. Home address could also be taken into consideration; for example, if a driver lives in a high-crime area, they might pay more as insurers consider the car more likely to be damaged or stolen.

Some ways to reduce premium costs and find the cheapest car insurance UK might include:

  • Drivers that avoid making claims may benefit from a premium discount; the discount typically gets higher with consecutive claim-free years.
  • The no-claims discount may often be transferred to a new insurance provider if a driver finds a better deal elsewhere.
  • The no-claims discount doesn’t necessarily prevent an insurer from increasing premium costs. It’s a discount applied to whatever the premium is, so the premium could increase even if the discount remains the same.
  • Most policies have two separate excess amounts. One is set by the insurer and is an integral part of the policy. The second is one that the driver may set themselves. To reduce their premium a driver could opt to set this excess higher, but it does mean they tend to pay more out of pocket if they have to make a claim. And since the excess has a mandatory per-policy component, there could be an excess to pay on every claim regardless of how high the voluntary excess is set.
  • Car modifications of any kind could result in a premium increase, so it may be a good idea for a driver to check with their insurer before adding any mods.
  • Paying premiums annually rather than monthly could reduce the cost significantly.

about quotezone

motorly uses Quotezone.co.uk for all of our insurance comparisons.

Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: SEOPA LTD, 5th Floor Link Building, Adelaide Exchange, 24-26 Adelaide Street, Belfast BT2 8GD.

Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The register number for SEOPA Ltd is 313860 and their permitted business is insurance mediation.

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