No Thrills Car Insurance

Rises in the price of petrol, taxes, insurance and MOT all impact on running a car and add more and more cost every time they go up. The expenses mentioned are constant for all of us in that to legally drive we all have to pay for them. Car insurance however is a very individual cost.

With the growth and popularity of comparison websites it can be very simple to just stick in your details and be presented with hundreds of various quotes; the problem is that you still have to go through them before finding the best one for your circumstances. The computer will only compare premiums in most cases and will not take the quality of policies into account. It is therefore very important to check the finer details of each policy before taking the plunge.

Many companies are now offering a "no frills" policy to attract business and enable them to compete in a very competitive market. Even though you get a fully comprehensive policy many of the extra benefits generally provided through insurance cover are not included i.e. you may not be provided with a replacement vehicle if yours is off the road for any reason. Something else to bear in mind is that you excess premium will be more than other policies if you were to make a claim. The only benefit to this is if you don’t make a claim, but this is unpredictable and the reason for having insurance in the first place. It could cost you a lot if you claim even though you have insurance cover.

An excellent compromise could be to opt for a policy that effectively permits you to construct your own package according to what you want and what you are willing to pay. So, rather than only opting for a basic cheap policy or a considerably more expensive policy with all the extras, some insurers like ASDA Car Insurance for instance, allow you to add optional extras like legal protection, hire cars and a breakdown service.

So, at the ASDA Car Insurance site, in addition to the basic premium, you can pay:

1. £1.50 per month for Legal Protection, covering you for up to £50,000 costs.
2. £2.50 per month towards a Hire Car for up to 14 days if you need it.
3. £6.30 per month for breakdown cover if you are not already with one of the big two, The AA or RAC.

Specific policies are also available from specialist companies that provide insurance for e.g. women drivers, senior drivers, disabled drivers or young drivers. Pick your policy on how suitable it is for your not on how little it will cost you.