A Simples Guide

Do we need family car insurance?

If you have more than one driver in your house, or even more than one car, it’s worth looking at your options carefully when it comes to car insurance. Insuring yourself as a family, either by adding named drivers or taking out a multi-car policy, may help save you money.

Can I add family members to my car insurance policy?

If you already have a car insurance policy, you could simply add a family member as a named driver on your existing policy. This will allow the named driver to use the vehicle and be covered under the same insurance as the main driver.

The important thing with adding named drivers is that the person who drives the car most often must be the main or primary driver. That doesn’t necessarily have to be the owner of the car, but your insurance premium will be based on the assumption that the main driver will be doing most of the driving.

Naming someone falsely as the main driver in order to lower the cost of your insurance premium is called fronting and is a form of insurance fraud. If you are found guilty of fronting you could invalidate your policy and it could make it harder and more expensive to get insurance in the future.

You can compare car insurance now to ensure you get the right deal for you and your named drivers.

What’s short-term insurance?

A short-term or temporary car insurance policy provides cover for a named driver for an agreed period of time – usually between one and 28 days. For example, if your student son or daughter comes back home for the holidays and wants to borrow the family car. They’ll have the same level of cover as the main driver but could have a higher excess – check with your insurance provider.

Can I insure multiple cars on a single policy?

Some insurance providers now offer the option to insure several cars on a single policy with a single premium. Some of them call these ‘family’ plans and some may refer to them as multi-car policies.

These multi-car policies can be a win-win. Insurance providers use offers to entice you into taking out extra insurance with them. But if they’re prepared to give you substantial savings for doing so, it can help reduce your car insurance costs. In the end, the second car you insure with the same company will typically cost less than it would to insure alone. Sometimes the discounts increase the more cars you add. Again, though, you’ll have to look at each insurance provider’s offer to find the option that best suits you.

You can compare car insurance today and get quotes for each of your cars. If you’re planning to go with the same insurance provider, you could qualify for a multi-car discount.It’s worth doing your research to make sure you’re getting a good deal.

Which family cars are the cheapest to insure?

The price you pay for your insurance, however, will depend on your vehicle, your driving record, and who you’re insured with. Therefore, it’s a good idea to find out how much it would cost to insure a vehicle before choosing which car to buy.

Remember, there are 50 car insurance groups in the UK, and the higher the number of the group, the more you can expect to pay to insure it. This means that if you want to keep your insurance costs down, look at the insurance group for any vehicles you purchase and avoid the higher numbers where you can. You can find out more about insurance groups here.

So, if you’re planning on buying a family car and you’re keen to keep insurance costs down, it’s worth looking into the following, which are some of the cheaper family cars to insure** on the market at the moment:

  • Hyundai i10 hatchback
  • Skoda Citigo hatchback
  • SEAT Mii hatchback
  • Citroen C4 Cactus SUV
  • Dacia Sandero hatchback
  • Ford B-MAX MPV
  • Kia Picanto hatchback (2011-2017)
  • Kia Rio hatchback
  • Renault Twingo hatchback
  • Fiat Panda hatchback

Compare and save

You can compare car insurance quotes now and make sure that your family are covered for their car insurance needs. By running a quote for each of your vehicles or with named driver details added, you can make sure that you’re getting the right level of cover and deal for you. You can also save and retrieve quotes from your comparethemarket.com account any time, so you can also compare your individual quotes to any multi-car policies you may be offered by providers.

** http://www.carbuyer.co.uk/reviews/recommended/cheap-cars-insure/

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