Our look at making a motor
insurance comparison online
Where
should you go to conduct a motor insurance comparison online? The
obvious answer to this question, at least for most, is to recommend any
leading price comparison site.
However, here, we're going to turn this question on its head and argue
that you shouldn't conduct your own motor insurance comparison at all
and, furthermore, you're better to avoid use of price comparison sites
altogether.
Because this may seem counter-intuitive or just plain bizarre to many,
we'll explain exactly why we make this assertion.
Firstly, a poor choice of car insurance policy remains a poor choice
regardless of whether or not you need to claim on it. To buy on the
basis that you dearly hope never to claim is not the right way to buy
car insurance. You need to have a clear idea of what you will need and
set out to find the right cover for your needs. Indeed, on the basis of
this simple argument, it's hard to even argue against taking out legal
cover, although most people prefer to save money by not so-doing.
You should have a view about whether you need a courtesy car, whether
you want a protected no claims discount, how much excess you will
accept and so on. And then - the most important bit - don't throw all
these requriements away simply to save a little on your cover.
Secondly, the cheapest-priced quotes of the thousands checked by price
comparison sites are not going to be good quality policies, just cheap
ones. Certainly, you shouldn't buy without checking over the cover and
a visit to each insurer's website to do this may be necessary if you
are trying to buy via a comparison site.
Thirdly, if the cheapest are best avoided and you can't easily work out
what you are getting via a price comparison site, it does rather beg
the question why people like to use them so much. The alternative to
their use - going direct to a leading car insurance provider instead -
typically builds in a good level of cover at a price that is determined
by market forces, ensuring competitive pricing.
Forthly, if the crowded insurance market ensures competive pricing
automatically - as it by and large does - the need to conduct your own
price comparison is removed freeing you up to choose on the basis of
the cover you want. The only requirement here, we would suggest, is to
stick with the bigger, well-known insurance companies where competitive
pricing can be anticipated.
To compare
car
insurance from these
leading
companies, you can start here. You don't need to wait for a claim to
find that an ultra-cheap car insurance policy found on a price
comparison site was the wrong choice.
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