Going Direct for Car Insurance Can Mean Cheaper Premiums
Direct Car Insurance?
It is exactly what it calls itself, direct.
You go direct to the insurer and buy the cover direct from the Car Insurer’s website.
Many believe that the benefits of buying direct are that in most cases the premium prices offered will often be less than if a customer purchased offered by an insurance broker .
This though is far from the case for the majority in reality.
The downside is that if you buy direct from an insurer you lose out on the benefits of when you compare car insurance quotes from multiple companies on for examples a car insurance quote comparison website.
Many of the companies that sell direct car insurance are able to make cost cuts in middleman fees and data handling, which many do pass onto their clients in discounted premiums or marketing ‘sweetners’ such as offering a years cover for the cost of just 10 months, or throwing in some additional insurance for free, such as windscreen cover.
The advertising sweeteners ought to be viewed sceptically by the person thinking of buying a policy.
It often happens that the costs of the ‘sweetener ‘ are absorbed within the base rates of the car insurance quotes returned.
With so many different types of car insurance distribution points available today it is often hard to know whether you are buying your insurance from a direct insurance company, or not. Are you sure that the insurance company you are thinking of getting the cover from are not car insurance agents?
How to contact a direct Insurer.
It is easier to buy direct insurance by either picking up the phone and calling a number company that you found in yellow pages. A specialist direct car insurance provider in the UK is Adrian Flux who who are waiting to talk to you on 0800 089 0182
The other method is by searching on the World Wide Web where you can get quotes and find many alternative types of direct car insurance providers.
These direct car insurance websites also include providers of specialist car insurance and classic car insurance.
Whichever way you prefer to actually buy your cover, ensure that you know, whether you are purchasing from a direct car insurance company or one of the many other insurance consultants that sell car insurance. If you don’t it could cost you much more than it should!
However you decide to purchase your motor insurance it should always be with what is necessary for your individual circumstances. You should always compare car insurance policies on a like for like basis. If a policy is being offered for hundreds cheaper than a competitor, you should check carefully the cover levels in the policy wording, and compare the limits of indemnity.
If you need specialist advice in deciding what insurance are required.
It is very straightforward to phone an intermediary or car insurance company direct and they will be able to explain exactly what covers are required.
Add Yours
YOU