Car insurance can feel like an expensive bore, and you’re often faced with the question – do you go with the cheapest deal or spend a bit more to get more cover? Cheap car insurance might be right for you, but have you thought through all the scenarios? That cheap policy might not seem like such a bargain if it doesn’t come through for you when you need it most.

Your car insurance isn’t just there because the law says so, it’s there to protect you, your car and other people so it’s worth doing your homework and making sure you’ve got a policy that suits you best. That means getting value for money – which isn’t always the same as getting the cheapest deal possible.

So, what’s a great deal when it comes to car cover? Well, your premium is influenced by lots of different elements – things like the type of car you drive, your age, occupation, where you live and of course, your driving history. With that in mind, it’s easy to see that what might be great value for one person might not be for someone else. For example, if you drive a classic or fancy sports car, then you’ll need to find a provider who specialises in such vehicles, it might not mean cheap car insurance, but it might represent excellent value for money should you need to make a claim.

Just as we shouldn’t judge a book by its cover, we shouldn’t necessarily judge a car insurance policy by its price tag. Third party cover is sometimes the cheapest car insurance option but it may not be the best value for you. The face value price might be a bargain but once you’ve added on the ‘optional extras’ that you actually can’t do without, then you might find that its knock down price suddenly becomes just as much as some comprehensive policies. Here are some considerations worth bearing in mind:

  • Think about what you need and what’s important – such as windscreen cover; or, if you’re constantly on the road a courtesy car might be essential.

  • If you drive abroad a lot, cover whilst you’re away might be a necessity.

  • Bundling in breakdown cover and roadside assistance might work out cheaper than taking out a separate policy – do your sums.

  • Consider whether legal expenses and personal accident cover are important to you, –remember, solicitors’ bills can add up.

  • If you travel with expensive equipment such as a laptop, check what the limit is when it comes to claiming for personal possessions.

Your insurance policy’s there as a safety net and it wouldn’t be much of one if it was riddled with loopholes and conditions. But choosing between cost and value can be a real dilemma. So, at comparethemarket.com we believe in getting value at a fair price so that you don’t have to cut corners in order to get a great deal on your car insurance. When you compare with us, you’ll be searching from more than a hundred different trusted providers so you’re bound to find the perfect policy. We’ve also made it super clear the full price of any policy by highlighting the total including any add-ons on our final price list. So don’t compromise – just start comparing

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