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Research your Car Insurance

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• Getting a car alarm or an immobiliser will reduce the risk that insurers face when insuring your car. They will recognise this by giving discounts for these security measures. A vehicle immobiliser does the job just as well and is also viewed favourably by insurers.
• There is an opportunity to reduce your monthly insurance premiums when you first arrange your insurance by opting to pay a higher voluntary excess. When you pay a higher excess your monthly insurance payments will be lower. However, if you do make a claim for whatever reason, you will be expected to pay the higher excess before the claim can be settled.
• Insurers will give you a discount if you agree to reduce the number of miles that you drive a year. This means that you will be spending less time driving and therefore are less likely to make an insurance claim. That means that you are a better insurance risk, hence the discount. Tell your insurers if it looks as though you will go over the agreed limit. They will make whatever adjustments are necessary.
• No claims bonuses are a good thing to have as a driver who is seeking 1 day car insurance. These bonuses are awarded to drivers who have been claims free for a number of years. Insurers see them as being a good risk and reward them with no claims discounts.
• It’s always tempting to change the appearance of your car. If these changes however deviate from the manufacturers specifications, your insurance company may charge you extra premiums. This is so because the changes represent an additional risk to the insurers. So avoid such modifications if you can.
• The cheapest form of insurance cover is 3rd party insurance. However, it only provides very limited cover and only safeguards third parties. So you as the insured person will have to cover all of your own costs should you have an accident or some other claim is made against you. You may also want to consider temporary car insurance.

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