S1 Direct Car Insurance QuotesWhereas most insurance is simply good practice, ensuring you can meet unexpected expenses that you otherwise couldn't afford, car insurance is also a legal requirement. Driving without insurance is a criminal offence and can lead to a hefty fine, points on your licence and worse. Even if this weren't the case, driving a car without insurance is a seriously bad idea. An accident that's your fault and results in vehicle damage and serious injury to others can be an extremely costly business. If you don't have insurance, it's most unlikely you'll be able to meet the costs involved.
At the very least, you'll need to take out insurance on a third party, fire and theft basis. This will cover the costs of other people involved in an accident but won't pay for your vehicle to be repaired if it's damaged in an accident that's your fault. For that, you'll need comprehensive insurance that will, as the name implies, meet most costs that are likely to arise. Even here, a policy may not cover your legal expenses or provide a replacement vehicle while yours is off the road. If you need these, you should check the policy and may need to pay extra to extend the cover.
Taking out car insurance is a serious business and you need to carefully check the level of cover before buying a policy. There are lots of comparison sites, brokers and insurers so you can seek out the cheapest deal. This often comes through reduced cover or high levels of excess that mean you need to pay a large amount for any claim. Be sure you're aware of what you're expected to pay and are happy to do it, otherwise it might come as a nasty shock if you have to make a claim under the policy.
One sure way of reducing your premiums is by having a good claim record, which means you build up a high level of no claims discount. This can reduce your annual premiums by as much as 70%, so it is a significant amount. Making claims can harm and eventually clear this discount, which will be costly in the long-term. One answer is to pay extra to cover your discount, which typically allows a small number of claims in a set period without affecting it, ensuring your premiums don't rise.
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