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Independent service from your local insurance specialists

Need a car insurance quote? Let the independent specialists at your local Coversure office compare their markets to find you quality car insurance protection. Your local Coversure office can tailor protection to your needs, so start your quote today.

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Car Insurance Through Coversure

Want to cut the costs of motoring? Then get a car insurance quote from your local Coversure office and see if we can save you money on your cover. We’ve been helping motorists drive down the cost of cover since 1986.

Your local Coversure office is here to do the shopping around for you, saving you precious time and money. Whether you’re a young driver looking for your first policy, an experienced motorist with an excellent claims history, or someone with expired driving bans or points on their licence, contact your local Coversure office, and let’s see how we can help you. Thanks to our close relationships with many of the country’s leading insurers – household names such as Aviva, RSA, and Axa – we can scour our markets to find a policy that suits your needs and wallet.

Quality Service From Quote To Claim

When you take out a car insurance policy through Coversure, you’re not only assured of high-quality cover, but you can also expect excellent customer service.  We’ll get to know your requirements before consulting our wide panel of insurers to find you the protection you need.

And our service doesn’t end with your policy. Should you need to make a claim, we’ll be with you every step of the way.  Through our motor claims partner, Claimsline, you’ll have access to help 24 hours a day, 7-days a week. They’ll make your claim as painless an experience as possible and help get you back on the road.

What Type of Car Insurance Is Right for You?

Like most motor policies, car insurance comes in various forms, offering different levels of protection. The most common are:

  • Third-party only – this is the minimum cover required by law and will only protect you for third-party liabilities – e.g., damage to another driver’s car in the event of an accident
  • Third-party, fire, and theft – this is the same as third-party, but it also insures your vehicle should it be stolen, lost in a fire, or stolen
  • Fully comprehensive – fully comprehensive will cover you should your vehicle be lost to fire, stolen, and, in the event of an accident, it will pay for repairs to your vehicle or another’s if the accident was your fault

Which of these options is the most suitable for you depends on how much cover you’re looking for and how much you want to spend. Fully comprehensive tends to be the most expensive and third-party the cheapest. If you’re unsure which is best for you, please contact your local Coversure office, and they’ll be happy to give you some independent advice.

How to Cut the Costs of Car Insurance

No one wants to spend more on their insurance than they have to – let’s face it, there are more exciting things to spend your cash on. So, to help you save on yours, here are Coversure’s top tips for saving on car insurance costs:

  • Tip 1: Shop around – It’s a competitive market, and you’ll need to spend some time looking around if you want the best deal
  • Tip 2: Use an insurance broker – an independent broker such as your local Coversure can not only save you time by doing the shopping around for you, but through their contacts at leading insurers, they may be able to find you an even better price
  • Tip 3: Raise your excess – raising your excess – the amount you pay in case of a claim – can help reduce your premiums. This is because a) in the event of a claim, the insurer will have less to pay out, and b) a higher excess is likely to reduce your claims for more minor incidents
  • Tip 4: Check the policy wording – extras such as breakdown cover, European cover, or any driver cover are great, but they can add to your premiums. So, check your policy carefully – or have your broker do it for you – to make sure you are only paying for what you need
  • Tip 5: Protect your vehicle – dashcams, in-car systems such as telematics, and having your car parked securely overnight can all help keep premiums down
  • Tip 6: Reduce your driving time – limiting the number of miles you do, not being covered for specific times, e.g., late at night or only being able to drive in the company of a responsible driver, can all help younger drivers reduce their car insurance costs
  • Tip 7: 2 or more vehicles? Look into fleet insurance – fleet insurance is an excellent option if you have two or more vehicles – cars, motorbikes, or vans. It can reduce the cost per vehicle costs, gives you one renewal date and the flexibility to add and remove vehicles and drivers as you need to

How Are Car Insurance Premiums Calculated?

Many factors contribute to how much your car insurance costs, and these include;

  • Your age – generally speaking, the younger you are, the more it will cost, as the risks of a claim are deemed to be higher. Also, elderly drivers may find themselves paying more for similar reasons
  • No claims bonus – how many years you have gone without making a claim will help insurers decide on your premium
  • Your car – cars are placed in insurance groups that range from 1 to 50, with one being at the cheaper end and fifty containing sports and luxury cars. The age of your vehicle is also a factor. Older cars are not only (generally speaking) less secure, but they are also more attractive to thieves as they are less conspicuous
  • Your driving history – how long you’ve been driving, whether or not you’ve had any claims, convictions, or points on your licence will be considered
  • Your postcode – where you live makes a big difference to your policy costs. Postcodes with unfavourable crime rates – especially those with higher-than-average car crime rates – will push up premiums
  • Where your car is stored – whether your car is kept in a locked garage overnight or on the side of a public road could, for example, affect your premiums
  • Who will be driving the car – for convenience’s sake, some people need to have a named or even any driver cover that allows multiple people to drive it. While this is useful, it could push up costs – especially if the named drivers are young, old, or have convictions
  • Mileage – the more miles you do, the greater the chances of you having an accident or breaking down, and the higher your premiums are likely to be
  • Type of mileage – generally speaking, if you only want cover for personal driving rather than for a business car or a combination of the two, then your quote will be lower. This is because, statistically speaking business mileage is riskier*

Which Optional Extras Are Worth Considering?

There are a range of optional extras for car cover, some of the most popular being;

  • Protected no claims bonus – so in the event of a claim, you won’t lose your no claims bonus
  • European cover – if you regularly drive on the Continent, then this ideal
  • Business cover – if your car is used for business reasons, then you need to have this in place
  • Windscreen protection – chips in the wrong place can cost you your windscreen and your MOT, so it’s a good idea to have this affordable option added in

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Car cover for you.

Car Insurance FAQ

This can be a complex area of cover, so to help you get the protection you need, here are Coversure’s car insurance frequently asked questions. We hope they will be of use, but if you’d like some personalised independent advice, contact your local Coversure.

Yes, you’ll need cover to drive on public roads

A no-claims discount (NCD) or no-claims bonus (NCB) is a way that insurance providers reward careful drivers by offering you a discount on your premium. The longer you drive without claiming, the bigger the discount on your premium could be

Yes, assuming the conviction has been spent, we can help

A standard car policy will cover you for social purposes and getting to and from work. If you want to use your car for business purposes, you’ll need business car insurance

No, that usually needs to be taken out as an option

Yes, if you have two or more vehicles, you can get a family fleet policy

Getting a quote is easy; talk to your local Coversure office or start your car insurance quote

Need a Car Insurance quote?

If you’d like a Car Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Business Car

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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