5 Things to Consider When Buying Car Insurance.

By Charlotte J Wilson.

If you're in the market for UK car cover, which factors are the most important ones? While there are several to consider, these are ones that you should definitely keep in mind:

1. Drivers
One option you can have is the ability to place more than one driver on the same policy. There are exceptions to this rule. That includes the case in which a driver has several penalty points, a driver is under 21 years old, and so on. However, in other situations placing more than one driver on a single insurance policy can be an excellent option.

2. Extras
These costs include both the overt and 'hidden' fees and charges. The hidden fees and charges can be difficult to detect, and may require a trained expert to use a fine-toothed comb to review a policy's nuts and bolts. The total cost of fees and charges can vary quite significantly, so it's crucial to factor them in when calculating the total costs of a particular car cover policy.

3. Vehicles
Besides placing multiple drivers on a policy, you can also put multiple vehicles on a single policy. This option is ideal for those insuring taxis, for example. As with other factors to consider when shopping for cover, it's important to do the number crunching to determine if it's cheaper to place more vehicles on a single policy. If it's not, then you should secure individual policies for the individual vehicles, or look for a different policy. Sometimes more (policies) isn't better.

4. Voluntary excess
This is the amount of capital that you'd be required to pay for damages incurred in an accident, before a car insurance company starts covering the costs. Should your voluntary excess be low or high? It depends. A high excess can result in high monthly premiums, though it can certainly be beneficial if you need to file a claim. On the other hand, a lower excess will lower your monthly premiums. However, this action could actually backfire, since filing a claim would cause you higher out-of-pocket expenses. If you're an extremely safe driver, then it's generally advisable to lower your excess. But keep in mind that 'stuff' happens in life. So if you want to be on the conservative side, you should opt for a higher excess.

5. Cover
How much cover is enough? It's ultimately up to you to decide how much car insurance you need. Do you want general cover, or more comprehensive cover? You can find policies that cover an array of expenses, ranging from medical bills to theft. The minimum amount of cover will cover damage to the other driver's vehicle and health. Meanwhile, more comprehensive cover will cover your own car or truck, and medical expenses. So it's important to take the time to determine exactly what you want covered-and how much cover you need.

Before shopping for car cover, it's helpful to be aware of these features of different policies. Doing your homework beforehand will help you to score outstanding cover, for a lower price.

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