More Car Insurance Questions Answered

By Author: Susan Kehan
Total Articles: 10
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The car insurance business can be a confusing one. With such an increase in the variety of car insurance products available, it is hard to know where to start. Here we answer a couple of common questions asked by those seeking a car insurance policy.

What if I can't get a decent quote for my car insurance?

If you are having difficulty finding a quote that suits you, there are several options available. Of course, this will depend on your individual circumstances. In most cases, we would advise that you simply shop around a little more. Using one of the handy online price comparison sites should make the process a lot less time-consuming. You should also be realistic about car insurance rates. Unfortunately some car insurance premiums in the UK are extremely high - especially for those with powerful cars, first time drivers, or those who live in busy cities. However, all is not lost, as there are now a variety of car insurance brokers that specialise in covering such high-risk drivers. A quick search online will provide you with details of such insurers, and you should be able to find a company that meets your needs. ...
... Looking online has the added benefit of saving you money; many companies offer discounts for buying online (Co-operative Insurance for example - check their site for more info on car insurance).

Can I drive other people's cars under my own insurance?

In short, no. Some car insurers used to offer a ‘driving other cars' policy extension that enabled policyholders to drive a car that did not belong to them, but only in an emergency. This policy only offered third party cover - insuring against damage and injury to third parties only, and not to the driver or car itself. Many insurers have now removed this ‘driving other cars' extension due to policyholders utilising it without fully understanding its terms and conditions. As a result, you must now name any extra drivers on your own insurance policy. This will cost you extra, especially if the other driver is a younger driver. One exception is the inclusion of a female driver to your policy. As women tend to be more careful on the roads, their car insurance premiums are lower, and this can actually drive down the cost of your own premium. If you want to add an additional driver to your insurance policy, you should contact your insurer to find out their terms. Similarly, if you wish to be added to someone else's car insurance policy, they must contact their insurer in order to do so.

Susan Kehan is a keen writer about car insurance and home insurance products.