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Guide 5: Insurance and breakdown cover
Car Insurance Guide
In the UK, it is necessary to have a minimum of third party car insurance. You can also go for third party, fire and theft insurance or comprehensive insurance.
Third Party (TP)
This covers damage to any third party you happen to injure/damage. Your insurance policy will pay out to put them in the same position that the third party was in before you hit them. If the crash was deemed your fault, you will not receive any money for your car.
TPFT (Third Party, fire and theft)
As above but also covers you for theft of the car or fire damage.
Comprehensive (FC – fully comprehensive)
As above (TPFT) but will payout regardless of fault of the crash. For example, if you crash into a lamppost and knock it down, your insurer will pay out for it repaired and pay for your car to be repaired or write it off.
What does insurance do?
This is given above in some ways, however, it is important to note that insurance will not pay out on any mechanical damage. For example, if your cambelt snaps and you damage your valves, your insurance is nothing to do with this. Your insurer will try to put you back into the same financial position as you were before the crash. Before doing this, you will have to pay an excess (typically £400 for young drivers). Any excess is basically to put you off making a claim. If the value of the repairs is significant, the insurer may write off the car. Typically if the value of the repairs is greater than 50-75% of the car’s market value, it will be written off. At this point, you will lose any no claim’s discount/bonus (NCD/NCB).
Quotes:
The most important bit. Before you buy a car, make sure you find out the insurance costs. As a young driver you should avoid quick and expensive cars. Aim for small sub 1.6 litre cars with insurance group below about 6. A 17 year old girl having just passed with a 1.0 5 year old Corsa should expect to pay circa £700 if she searches around. At the other end, a 17 year old male getting a 1.6 16v Clio will be looking at £2000. These are just general figures.
During a quote you need to make sure you make all information clear to the insurance broker/underwriter. This includes any modifications that you are aware of from standard, such as alloy wheels or a bodykit. Do not be tempted to lie about your sex, age, driving experience or anything else.
Start of by using online searches for car insurance. On a personal note, I use www.insuresupermarket.com first, followed by www.confused.com. However, both are not very accurate. From this point I chose the top few quotes and follow them through on the insurer’s own website. It is also sometimes a good idea to call the insurer as web quotes aren’t always the best. As a rule, I always search www.norwichunion.co.uk www.directline.co.uk and www.endsleigh.co.uk as they are usually competitive even if the above searches suggest otherwise.
During a quote you should (if possible) have the registration plate of the car, the CC (engine size), the model, number of seats etc. Basically it is a good idea, if possible, to have the V5 ‘logbook’ with you. After a quote or two you remember the details anyway and don’t need to refer to the V5.
Once you have got the quote, it is usually a good idea to ask for the details to be sent out. Not all insurers do this. For example, Endsleigh don’t as the quote is only valid for that day.
The cheapest isn’t always the best. For example, does one insurer offer something the other doesn’t such as free breakdown cover or courtesy car as standard? Is that worth the extra to you? If you’re just driving to sixth form you could probably get the bus if you had a crash and needed something sorting out so you might not need a courtesy car. If you have a job for a gap year 25 miles away, it might be a different story.
Basic summary of this is: SHOP around. Below is a basic list of insurers to try.
Payment
The majority of insurers will happily charge you circa 20% APR interest. To you, this means a cost higher than if you were to put the whole insurance on your credit card and pay it off month on that. Not a good deal. Try, if you can, to go for an annual payment. If you can’t afford it, check the costs of monthly instalments of each possible policy, one that might look the cheapest may no longer be. Some insurers such as Virgin offer you interest free. Taking out a personal loan with a more reasonable interest rate than the rates offered by the insurers may also be a good choice.
European cover
All British insurance policies by law give you the minimum insurance required within the EU, the “green card” usually up to 45 days. Most insurers will charge a premium to have your cover extended to equal your UK cover whilst abroad.
Bonus Accelerator schemes:
Aimed at young drivers these seem like a great idea initially. Earn a NCB after 9 months (usually). However, the sad thing about these is that they are usually only accepted within that insurance group. For example, if you had a bonus accelerator from NU, you would have to stick with NU to keep the full NCB. If you were to leave after 9 months and go elsewhere, you are required by law to tell the next insurer that you only have had insurance under such a scheme. The new insurer will probably not accept this as NCB but give you some discount. Yes, it’s a complex issue and not helped by insurers being unclear to as how useful the bonus accelerator schemes are. Buyer beware.
Being a named driver:
It might be that you don’t own your own car after passing but your parents allow you to drive their car. Get your parents to phone up their insurance company and asked to be put on. The excess for you to drive will be much higher than their excess. You will not earn genuine NCB doing this but some companies such as direct line now offer this service. Unfortunately, this NCB is, as the bonus accelerator scheme, not typically accepted by any company other than the one that offers it. Expect costs from £0 per year extra up to £2000+. I.e. you don’t know until you phone them. There’s no point in asking. Some insurers put a higher weighting on it than others. Do not lie to an insurer about being a named driver if you are infact the main driver and own the car etc.
Breakdown cover:
Firstly, can you get involved on your parents policy? Find out, this may mean no extra cost or a small admin fee. However, depending on the age of your vehicle compared to their’s, it may also stop them from having European cover etc. I would suggest searching www.moneysupermarket.com for the cheapest. I have never between their quotes. However, this is a big however, MAKE SURE YOU GET THE NECESSARY COVER. Basic cover only covers you to take you to the local garage if you break down. That’s fine if you’re away and know nothing about cars. However, for somebody like me who does most of my own work, I have to have “transport to home or destination” because I wouldn’t pay the prices of a garage doing repair work. European cover adds a lot to the cost. My current cover is with morethan and is £78 for most things including euro assistance. It does NOT include home start, i.e. I have to be >1 mile away from home before they will assist me.
Insurance contacts:
Admiral 0800 600 800 http://www.admiral.com/
Adrian Flux 01553 777 240 http://www.adrianflux.co.uk/
AON 01384 552 670 http://www.aon.com/
A-Plan 0845 071 123 http://www.aplan.co.uk/
AXA 0800 015 4292 http://www.axa-motor.co.uk
Bell Direct 0800 140 180 http://www.belldirect.co.uk/
Bennetts 0990 202090 http://www.bennetts.co.uk/
Bugdet 0800 028 9044 http://www.budgetinsurance.com/
Catterall 01254 695 055 http://www.chris-thompson.co.uk/
Churchill 0800 200 331 http://www.churchill.com/
Cis 08457 464646 http://www.cis.co.uk/
CoverSure (RallySure) 01829 733 880 http:/.www.dmatters.co.uk/
Crowthorne Insurance 01344 771626 http://www.crowthorne.co.uk/
Direct Line 0845 246 8701 http://uk.directline.com/
Elephant 0870 6080668 http://www.elephant.co.uk/
Endsleigh 0800 028 3571 http://www.endsleigh.co.uk/
Footman 0121 651 6250 http://www.footmanjames.co.uk/
Graham Sykes 0870 444 6319 http://www.graham-sykes.co.uk/
Greenlight 01277 263 030 http://www.greenlight-insurance.co.uk/
HIC - 08451 290 290
Hill House Hamond 01733 310899 http://www.hhh.co.uk/
Keith Michaels 0181 642 7868 http://www.keithmichaels.co.uk/
Liverpool Victoria 0800 514 514 http://www.liverpoolvictoria.co.uk/
Marks and Spencers Car Insurance. http://www6.marksandspencer.com/page...Quo&Product=CI Phone 0800 107 1827
More Than 0800 072 4186 http://www.morethan.com/
Motor Quote Direct 0800 48 44 33 http://www.motorquotedirect.co.uk/
Nash Warren 0121 561 4484 http://www.nashwarren.co.uk/
Norwich Union 0870 242 0800 http://www.norwichunion.com/
Peart 0870 240 2972 http://www.peart.co.uk/
Peoples Choice 0800 614 824 http://www.peopleschoice.co.uk/
Performance Direct 08704 203896 http://www.performancedirect.co.uk/
Privilege Insurance 0113 292 5555 http://www.privilege.com/
Quinn Direct 0845 850 0845 http://www.quinn-direct.com/
QuoteLine Direct 0870 444 0870 http://www.quoteline-direct.co.uk/
RAC 0845 3000 755 http://www.rac.co.uk/
Sainsburys 0800 032 0000 www.sainsburysbank.co.uk/insurance/
Tesco 0845 300 9900 http://www.tesco.com/
The AA 0870 606 0483 http://www.theaa.com/
Hastings Direct 0800 00 1066 http://www.hastingsdirect.com/
Esure 0845 603 7873 http://www.esure.com/
Halifax 0845 608 9913 http://carinsurance.halifax-online.co.uk/
Eagle Star 08459 45 45 67 http://www.eaglestar.co.uk/
Lloyds TSB 0800 056 3040 http://www.insurance.co.uk/
Screen Trade 0800 435 207 http://www.screentrade.co.uk/
Its4me 0870 0131 464 http://www.its4me.co.uk/
The Insurance Centre 0709 2511050 http://www.theinsurancecentre.co.uk/
Quote-A-Car 08707 709075 http://www.quotea.co.uk/quotea/default.asp/
Virgin car Insurance 0800 051 4000 http://uk.virginmoney.com/car-insurance/
List courtesy of fiat**********.
Links
MSE guide to insurance
Insuresupermarket
Confused
Insurance groups for cars:
http://www.abi.org.uk/carinsurance/search.asp
Insurance postcode risks:
http://www.geocities.com/mpgcalc/postcodeRISK.html
Page allows selection of insurance groups to see which car matches which group:
http://www.parkers.co.uk/insurance/
In the UK, it is necessary to have a minimum of third party car insurance. You can also go for third party, fire and theft insurance or comprehensive insurance.
Third Party (TP)
This covers damage to any third party you happen to injure/damage. Your insurance policy will pay out to put them in the same position that the third party was in before you hit them. If the crash was deemed your fault, you will not receive any money for your car.
TPFT (Third Party, fire and theft)
As above but also covers you for theft of the car or fire damage.
Comprehensive (FC – fully comprehensive)
As above (TPFT) but will payout regardless of fault of the crash. For example, if you crash into a lamppost and knock it down, your insurer will pay out for it repaired and pay for your car to be repaired or write it off.
What does insurance do?
This is given above in some ways, however, it is important to note that insurance will not pay out on any mechanical damage. For example, if your cambelt snaps and you damage your valves, your insurance is nothing to do with this. Your insurer will try to put you back into the same financial position as you were before the crash. Before doing this, you will have to pay an excess (typically £400 for young drivers). Any excess is basically to put you off making a claim. If the value of the repairs is significant, the insurer may write off the car. Typically if the value of the repairs is greater than 50-75% of the car’s market value, it will be written off. At this point, you will lose any no claim’s discount/bonus (NCD/NCB).
Quotes:
The most important bit. Before you buy a car, make sure you find out the insurance costs. As a young driver you should avoid quick and expensive cars. Aim for small sub 1.6 litre cars with insurance group below about 6. A 17 year old girl having just passed with a 1.0 5 year old Corsa should expect to pay circa £700 if she searches around. At the other end, a 17 year old male getting a 1.6 16v Clio will be looking at £2000. These are just general figures.
During a quote you need to make sure you make all information clear to the insurance broker/underwriter. This includes any modifications that you are aware of from standard, such as alloy wheels or a bodykit. Do not be tempted to lie about your sex, age, driving experience or anything else.
Start of by using online searches for car insurance. On a personal note, I use www.insuresupermarket.com first, followed by www.confused.com. However, both are not very accurate. From this point I chose the top few quotes and follow them through on the insurer’s own website. It is also sometimes a good idea to call the insurer as web quotes aren’t always the best. As a rule, I always search www.norwichunion.co.uk www.directline.co.uk and www.endsleigh.co.uk as they are usually competitive even if the above searches suggest otherwise.
During a quote you should (if possible) have the registration plate of the car, the CC (engine size), the model, number of seats etc. Basically it is a good idea, if possible, to have the V5 ‘logbook’ with you. After a quote or two you remember the details anyway and don’t need to refer to the V5.
Once you have got the quote, it is usually a good idea to ask for the details to be sent out. Not all insurers do this. For example, Endsleigh don’t as the quote is only valid for that day.
The cheapest isn’t always the best. For example, does one insurer offer something the other doesn’t such as free breakdown cover or courtesy car as standard? Is that worth the extra to you? If you’re just driving to sixth form you could probably get the bus if you had a crash and needed something sorting out so you might not need a courtesy car. If you have a job for a gap year 25 miles away, it might be a different story.
Basic summary of this is: SHOP around. Below is a basic list of insurers to try.
Payment
The majority of insurers will happily charge you circa 20% APR interest. To you, this means a cost higher than if you were to put the whole insurance on your credit card and pay it off month on that. Not a good deal. Try, if you can, to go for an annual payment. If you can’t afford it, check the costs of monthly instalments of each possible policy, one that might look the cheapest may no longer be. Some insurers such as Virgin offer you interest free. Taking out a personal loan with a more reasonable interest rate than the rates offered by the insurers may also be a good choice.
European cover
All British insurance policies by law give you the minimum insurance required within the EU, the “green card” usually up to 45 days. Most insurers will charge a premium to have your cover extended to equal your UK cover whilst abroad.
Bonus Accelerator schemes:
Aimed at young drivers these seem like a great idea initially. Earn a NCB after 9 months (usually). However, the sad thing about these is that they are usually only accepted within that insurance group. For example, if you had a bonus accelerator from NU, you would have to stick with NU to keep the full NCB. If you were to leave after 9 months and go elsewhere, you are required by law to tell the next insurer that you only have had insurance under such a scheme. The new insurer will probably not accept this as NCB but give you some discount. Yes, it’s a complex issue and not helped by insurers being unclear to as how useful the bonus accelerator schemes are. Buyer beware.
Being a named driver:
It might be that you don’t own your own car after passing but your parents allow you to drive their car. Get your parents to phone up their insurance company and asked to be put on. The excess for you to drive will be much higher than their excess. You will not earn genuine NCB doing this but some companies such as direct line now offer this service. Unfortunately, this NCB is, as the bonus accelerator scheme, not typically accepted by any company other than the one that offers it. Expect costs from £0 per year extra up to £2000+. I.e. you don’t know until you phone them. There’s no point in asking. Some insurers put a higher weighting on it than others. Do not lie to an insurer about being a named driver if you are infact the main driver and own the car etc.
Breakdown cover:
Firstly, can you get involved on your parents policy? Find out, this may mean no extra cost or a small admin fee. However, depending on the age of your vehicle compared to their’s, it may also stop them from having European cover etc. I would suggest searching www.moneysupermarket.com for the cheapest. I have never between their quotes. However, this is a big however, MAKE SURE YOU GET THE NECESSARY COVER. Basic cover only covers you to take you to the local garage if you break down. That’s fine if you’re away and know nothing about cars. However, for somebody like me who does most of my own work, I have to have “transport to home or destination” because I wouldn’t pay the prices of a garage doing repair work. European cover adds a lot to the cost. My current cover is with morethan and is £78 for most things including euro assistance. It does NOT include home start, i.e. I have to be >1 mile away from home before they will assist me.
Insurance contacts:
Admiral 0800 600 800 http://www.admiral.com/
Adrian Flux 01553 777 240 http://www.adrianflux.co.uk/
AON 01384 552 670 http://www.aon.com/
A-Plan 0845 071 123 http://www.aplan.co.uk/
AXA 0800 015 4292 http://www.axa-motor.co.uk
Bell Direct 0800 140 180 http://www.belldirect.co.uk/
Bennetts 0990 202090 http://www.bennetts.co.uk/
Bugdet 0800 028 9044 http://www.budgetinsurance.com/
Catterall 01254 695 055 http://www.chris-thompson.co.uk/
Churchill 0800 200 331 http://www.churchill.com/
Cis 08457 464646 http://www.cis.co.uk/
CoverSure (RallySure) 01829 733 880 http:/.www.dmatters.co.uk/
Crowthorne Insurance 01344 771626 http://www.crowthorne.co.uk/
Direct Line 0845 246 8701 http://uk.directline.com/
Elephant 0870 6080668 http://www.elephant.co.uk/
Endsleigh 0800 028 3571 http://www.endsleigh.co.uk/
Footman 0121 651 6250 http://www.footmanjames.co.uk/
Graham Sykes 0870 444 6319 http://www.graham-sykes.co.uk/
Greenlight 01277 263 030 http://www.greenlight-insurance.co.uk/
HIC - 08451 290 290
Hill House Hamond 01733 310899 http://www.hhh.co.uk/
Keith Michaels 0181 642 7868 http://www.keithmichaels.co.uk/
Liverpool Victoria 0800 514 514 http://www.liverpoolvictoria.co.uk/
Marks and Spencers Car Insurance. http://www6.marksandspencer.com/page...Quo&Product=CI Phone 0800 107 1827
More Than 0800 072 4186 http://www.morethan.com/
Motor Quote Direct 0800 48 44 33 http://www.motorquotedirect.co.uk/
Nash Warren 0121 561 4484 http://www.nashwarren.co.uk/
Norwich Union 0870 242 0800 http://www.norwichunion.com/
Peart 0870 240 2972 http://www.peart.co.uk/
Peoples Choice 0800 614 824 http://www.peopleschoice.co.uk/
Performance Direct 08704 203896 http://www.performancedirect.co.uk/
Privilege Insurance 0113 292 5555 http://www.privilege.com/
Quinn Direct 0845 850 0845 http://www.quinn-direct.com/
QuoteLine Direct 0870 444 0870 http://www.quoteline-direct.co.uk/
RAC 0845 3000 755 http://www.rac.co.uk/
Sainsburys 0800 032 0000 www.sainsburysbank.co.uk/insurance/
Tesco 0845 300 9900 http://www.tesco.com/
The AA 0870 606 0483 http://www.theaa.com/
Hastings Direct 0800 00 1066 http://www.hastingsdirect.com/
Esure 0845 603 7873 http://www.esure.com/
Halifax 0845 608 9913 http://carinsurance.halifax-online.co.uk/
Eagle Star 08459 45 45 67 http://www.eaglestar.co.uk/
Lloyds TSB 0800 056 3040 http://www.insurance.co.uk/
Screen Trade 0800 435 207 http://www.screentrade.co.uk/
Its4me 0870 0131 464 http://www.its4me.co.uk/
The Insurance Centre 0709 2511050 http://www.theinsurancecentre.co.uk/
Quote-A-Car 08707 709075 http://www.quotea.co.uk/quotea/default.asp/
Virgin car Insurance 0800 051 4000 http://uk.virginmoney.com/car-insurance/
List courtesy of fiat**********.
Links
MSE guide to insurance
Insuresupermarket
Confused
Insurance groups for cars:
http://www.abi.org.uk/carinsurance/search.asp
Insurance postcode risks:
http://www.geocities.com/mpgcalc/postcodeRISK.html
Page allows selection of insurance groups to see which car matches which group:
http://www.parkers.co.uk/insurance/
Scroll to see replies
Yep, I agree, but as I say, it's a good starting point if nothing else.
Cortez
Personally, i wouldn't bother wasting time with confused.com. Didn't find any 'cheap' quotes for me and i always found it cheaper going to each individual insurers website.
Thats weird, because confused is really good for me. I manage to get really good quotes from there.
Oh, and in reference to the OP. Direct line, Norwich Union, competitive? lol.
edit: good tip though; when you get a quote for yourself, put a parent (preferably your mum) on as a named driver. It brings the cost down a bit (about £50-£100, iirc).
Yes, directline and NU competitive, hence why they have most of the market share, which you don't get by charging lots more than everybody else when it's such a competitive market.
Insurance is such a personalised thing, just because they weren't competitive for you means nothing.
Insurance is such a personalised thing, just because they weren't competitive for you means nothing.
Excellent guide mate 
One thing to add though, alot of people don't know that, making a claim will not necessarily remove ALL of your NCB, generally only 2 years NCB, worth checking out when you are weighing up the cost of making a claim.
One thing to add though, alot of people don't know that, making a claim will not necessarily remove ALL of your NCB, generally only 2 years NCB, worth checking out when you are weighing up the cost of making a claim.
Just want to make a note that Zurich are hopeless. They send you crap through the door, and when you eventually call them, they revert to what is effectively a life-story.
After 20 long minutes speaking to an Inidian which was truly frustrating, I was told I'm not aloud to drive my car unless I'm 27 years old with 2 years no claims. "My car is a group 14 and that is the start of the sports cars" - actually incorrect - it's a 15, so they even got that wrong.
All this even though I've been driving it for the last 3 years!
So...say NO to ZURICH.
I might be adding to this list in a little bit!
Okay:
Tesco's are now extortionate due to their 30million loss in first few years; so now they are charging big amounts to get back.
Also: I've been warned by my broker that some companies with online quotations are not actually safeguarded, i.e. you have to call to confirm and proceed with policy. They then re-check details to come back with a quote over a £1000 difference. So try and proceed with quote online if you can (if you got a blinder).
Direct Line quoted me £3100 exc Hire car
Oh dear - when am I going to be treated nicely.
After 20 long minutes speaking to an Inidian which was truly frustrating, I was told I'm not aloud to drive my car unless I'm 27 years old with 2 years no claims. "My car is a group 14 and that is the start of the sports cars" - actually incorrect - it's a 15, so they even got that wrong.
All this even though I've been driving it for the last 3 years!
So...say NO to ZURICH.
I might be adding to this list in a little bit!
Okay:
Tesco's are now extortionate due to their 30million loss in first few years; so now they are charging big amounts to get back.
Also: I've been warned by my broker that some companies with online quotations are not actually safeguarded, i.e. you have to call to confirm and proceed with policy. They then re-check details to come back with a quote over a £1000 difference. So try and proceed with quote online if you can (if you got a blinder).
Direct Line quoted me £3100 exc Hire car
Oh dear - when am I going to be treated nicely.
pghstochaj
Breakdown cover:
Firstly, can you get involved on your parents policy? Find out, this may mean no extra cost or a small admin fee. However, depending on the age of your vehicle compared to their’s, it may also stop them from having European cover etc. I would suggest searching www.moneysupermarket.com for the cheapest. I have never between their quotes. However, this is a big however, MAKE SURE YOU GET THE NECESSARY COVER. Basic cover only covers you to take you to the local garage if you break down. That’s fine if you’re away and know nothing about cars. However, for somebody like me who does most of my own work, I have to have “transport to home or destination” because I wouldn’t pay the prices of a garage doing repair work. European cover adds a lot to the cost. My current cover is with morethan and is £78 for most things including euro assistance. It does NOT include home start, i.e. I have to be >1 mile away from home before they will assist me.
Firstly, can you get involved on your parents policy? Find out, this may mean no extra cost or a small admin fee. However, depending on the age of your vehicle compared to their’s, it may also stop them from having European cover etc. I would suggest searching www.moneysupermarket.com for the cheapest. I have never between their quotes. However, this is a big however, MAKE SURE YOU GET THE NECESSARY COVER. Basic cover only covers you to take you to the local garage if you break down. That’s fine if you’re away and know nothing about cars. However, for somebody like me who does most of my own work, I have to have “transport to home or destination” because I wouldn’t pay the prices of a garage doing repair work. European cover adds a lot to the cost. My current cover is with morethan and is £78 for most things including euro assistance. It does NOT include home start, i.e. I have to be >1 mile away from home before they will assist me.
With breakdown cover try to avoid paying with a credit card if possible. Most breakdown companies with set up a sort of standing order charge on your credit card which will automatically renew your cover after a year. It is IMPOSSIBLE for a card holder to cancel this repeated charge - only the breakdown company can do it. The AA actually managed to take a renewal charge off my credit card 6 months after the expiry date (one of the many reasons I stopped using them and switched to the RAC).
Also if a family member is a blue badge holder you can very often get significant discounts (or free upgrades to include home assistance etc).
yep, a very good point about automatic renewals!
Yo peoples... just to recommend... i got a quote on a Honda civic 1.4 reg 2000
for believe it or not: 500 pounds. Thi is because i am insured as a second driver under my dads car and insurance includes his cover.
Excess was about 225 i think.
Company is Liverpool victoria.
What do you all think?
for believe it or not: 500 pounds. Thi is because i am insured as a second driver under my dads car and insurance includes his cover.
Excess was about 225 i think.
Company is Liverpool victoria.
What do you all think?
Depends if you are going to be the person who drives it the most or not. If your Dad truly is the person that is the main driver and you drive the car once in a full moon, good deal!
If however, you are going to drive it regularly, that is fraud and effectively you are driving uninsured. Not so good.
Also, as a named driver with Liverpool Victoria you won't get any NCB. You could go with Direct Line and get NCB as a named driver.
If however, you are going to drive it regularly, that is fraud and effectively you are driving uninsured. Not so good.
Also, as a named driver with Liverpool Victoria you won't get any NCB. You could go with Direct Line and get NCB as a named driver.
LV were very strict about named drivers when I got a quote.
Eurrrghhhh! Can anybody recommend an insurer that will give me a quote of less than £1000 despite having an unsettled no-fault claim on record?
Confused.com is playing silly wotsits!
Confused.com is playing silly wotsits!
Last two quotes I did on churchill and directline were very reasonable.
pghstochaj
Last two quotes I did on churchill and directline were very reasonable.
Thank youuu
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Where is my car parked during the day? Advice for first car insuranceLast reply 7 months ago
Will paying £1,900 a year for insurance as a new 21 year old driver be a lot?
