5 things to consider when shopping around for car insurance 

If you are currently searching for a new car insurance deal or have recently purchased a vehicle and looking for a first-time policy, there are things you need to bear in mind before going ahead. 

As well as getting the best deal, you need to make sure you are getting the cover you require, so it is worth doing a bit of research before taking the plunge.

Here are 5 things to consider when shopping around for car insurance.

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What type of cover are you interested in?

Before you commit to a new car insurance policy, you need to establish what level of cover you want. Fully comprehensive is the most common, but if you are looking for a cheaper policy and are happy with minimum protection, third-party insurance might be a better choice.  

What’s the excess?

When shopping around for car insurance quotes, you will usually be able to select a voluntary excess amount. The higher the excess, the cheaper the policy will typically be. 

You must, however, bear in mind that there is usually a compulsory excess payable on top of this, so you could end up shelling out a hefty sum if you ever needed to make a claim.

Is breakdown cover included?

Many policies come with breakdown cover as standard, but you must never take this for granted and assume that it is included. Many insurance companies will add this for a small fee, or you may need to organize cover separately. 

Calculate the cost of this cover before opting for any insurance policy as it may work out cheaper to use a combined insurance and breakdown policy.

Where will you park?

You may not be aware, but where you park your car each night has a bearing on your insurance premium. If, for example, you park your vehicle in a garage or a private driveway, your insurance quotes will be cheaper than if you state that you usually park on a public road. 

You must be completely honest with your answers, or it could affect any future claims you make and make the cost of any future insurance even higher.

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Are you insured to drive abroad?

If you intend going abroad and taking your car with you, you must check whether you are insured to do this as part of your standard policy. Many will include it as standard, but there can be geographical exclusions, so you need to check what is ok and what isn’t. 

The last thing you want to happen is to be involved in a car accident in a foreign country only to find that you have no insurance. As well as ruining your trip, it could also result in a very hefty bill!


Searching for insurance may not be the most exciting task, but doing a little research before choosing an insurance provider will give you peace of mind that you are buying a policy perfectly suited to your needs.