Car Insurance
Competitive Cover From Your Local Independent Business Insurance Brokers
Need competitive, high-quality car insurance? Let Trisure Insurance Services compare our markets to find you great value cover. Our friendly team of specialists can do the shopping around for you and find you the right cover at the right price. Get your free, no-obligation car insurance quote today or call (01733) 777799.
Car Insurance Through Trisure Insurance
Want to cut the costs of motoring? Then get a car insurance quote from Trisure Insurance Services today by calling (01733) 777799 and see if we can save you money on your cover. Our team of specialists have been helping to drive down the cost of car insurance for many years now, and we can use our network of insurer contacts to find you the right cover at the right price.
Whether you’re a young driver looking for your first policy, an experienced motorist with an excellent claims history, or someone with expired driving bans or points on their licence, call us today on (01733) 777799 or start your car insurance quote here.
What Types Car Insurance Are There?
Car insurance comes in various forms, offering different levels of protection. The most common are:
- Third-party only – this is the minimum cover required by law and will only protect you from third-party liabilities – e.g., damage to another driver’s car in the event of an accident
- Third-party, fire, and theft – this is the same as third-party, but it also insures your vehicle should it be stolen, lost in a fire, or stolen
- Fully comprehensive – fully comprehensive will cover you should your vehicle be lost to fire, or stolen, and, in the event of an accident, it will pay for repairs to your vehicle or another’s if the accident was your fault
Which is right for you depends on how much cover you’re looking for and how much you want to spend. Fully comprehensive tends to be the most expensive and third-party the cheapest. If you’re unsure which is suitable for you, call us today on (01733) 777799, and we’ll be happy to give you some independent advice.
How To Save Car Insurance
No one wants to spend more on their insurance than they have to, so to help you save on yours, here are our top tips for saving on car insurance:
- Tip 1: Shop around – It’s a competitive market, so spend some time looking around if you want the best deal
- Tip 2: Use an insurance broker – an independent broker such as Trisure can do the shopping around for you, and thanks to our close relationships with leading insurers, we can often help drivers get cheaper cover without compromising on quality
- Tip 3: Increase your excess – increasing your excess – the amount you pay in case of a claim – can reduce your premiums. This is because, in the event of a claim, the insurer will have less to pay out, and also as a higher excess is likely to reduce your claims for more minor incidents
- Tip 5: Protect your vehicle – dashcams, in-car systems such as telematics, and having your car parked securely overnight – off street, or in a garage – can help keep premiums down
- Tip 6: Reduce your driving time – limiting the number of miles you do, not being covered for specific times, e.g., late at night or early in the morning, or only being able to drive in the company of a responsible driver, can all help younger drivers reduce their car insurance costs
How Are Car Insurance Premiums Calculated?
There are many factors that insurers consider when calculating car insurance quotes, and these include;
- The driver’s age – generally speaking, the younger you are, the more it will cost, as the risks of a claim are deemed to be higher. Also, elderly drivers may find themselves paying more for similar reasons
- Your level of no claims bonus – having several years without making a claim can reduce costs
- Your car – all cars are in insurance groups ranging from 1 to 50, with one being low risk and fifty containing sports and luxury cars. The age of your vehicle is also a factor. Older cars are generally speaking less secure, but they are also more attractive to thieves as they are less conspicuous
- Your driving history – how long you’ve been driving, convictions, and points on your licence will be all considered
- Your postcode – where you live makes a big difference to your policy costs. Postcodes with unfavourable crime rates will push up premiums
- Where your car is stored – whether your car is kept in a locked garage overnight or on the side of a public road could, for example, affect your premiums
- Who will be driving the car – for convenience’s sake, some people need to have a named or any driver cover that allows multiple people to drive it. While this is useful, it could push up costs – especially if the named drivers are young, old, or have convictions
- Mileage – the more miles you do, the greater the chances of you having an accident or breaking down, and the higher your premiums are likely to be
- Type of mileage – generally speaking, if you only want cover for personal driving rather than for business or a combination of the two, then your quote will be lower. This is because statistically-speaking business mileage is riskier*
Are There Any Optional Extras?
There is a range of optional extras for car cover, some of the most popular being;
- Protected no-claims bonus – so in the event of a claim, you won’t lose your no-claims bonus
- Business cover – if your car is used for business reasons, then you need to have this in place
- Windscreen protection – chips in the wrong place can cost you your windscreen and your MOT, so it’s a good idea to have this affordable option added in
If you’d like some car insurance advice or a free, no-obligation car insurance quote, call us on (01733) 777799.
Car Insurance FAQ
This can be a complex area of cover, so to help you get the protection you need, here are Trisure’s Insurance’s frequently asked questions. We hope they will be of use, but if you’d like some personalised independent advice, please call us on (01733) 777799.
Get A Car Insurance Quote
If you’d like a competitive car insurance quote from Trisure Insurance, please call us on (01733) 777799 or start your car insurance quote here. Our specialists will search our markets to find you the right policy at the right price to keep your business protected.