How can Bristolians save on their car insurance premiums?
Whiplash claims add £118 to every driver's annual car insurance bill, new research has revealed. An increase in personal injury claims, especially whiplash, has caused premiums to rise by 80% since October 2008, according to Aviva. Whiplash claims have witnessed a 32% increase since 2009. Personal injury claims have risen to 52% of the insurer's total claims cost, up from 37% in 2005. According to the investigation, the average current legal fee for a whiplash claim is £2,500, with intermediaries such as claims management companies and personal injury lawyers accounting for almost half of this cost. Estimates show that £1.5bn would be slashed from UK motor insurance premiums if insurers handled claims directly. The revelation comes in the wake of a major shake-up in the industry following a new EU gender ruling banning insurers from determining charges based on somebody's gender. Drivers of every age have seen their car insurance costs increase in recent years, with young female drivers bearing the brunt of the rises. With this in mind, how can people in Bristol save money on their car insurance?
Pass Plus
Some insurers offer discounts for Pass Plus qualified drivers, so it can be worth taking the Driving Standards Agency's course.
Named driver
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Putting an older and more experienced driver on your policy can bring down your premium by a significant amount.
Vehicle size
Vehicles with bigger engines are categorised as more high risk by insurers, so if getting a smaller vehicle is possible, it may be worth doing so to save on your policy.
Don't pimp my ride
Modifications, such as adding alloy wheels or tinted windows, can make your car more attractive to thieves or vandals and lead to higher premiums.
Compare car insurance deals
Choosing the easy option of buying your car insurance with well-known insurers could mean you miss out on the best deals. Comparing the market is the best way to get a detailed overview of what is on offer, allowing you to choose the best policy suited to your personal needs.
If you are looking to reduce the cost of your premium, www.moneyexpert.com/car-insurance?campaign=ThisIsdirectory compare car insurance with MoneyExpert.
Comments
by Grulgor
Tuesday, February 26 2013, 12:43PM
“"Vehicles with bigger engines are categorised as more high risk by insurers, so if getting a smaller vehicle is possible, it may be worth doing so to save on your policy."
Not exactly 100% accurate here, cars like the humble Fiesta (if it doesn't break down all the time )\ The Corsa or the Polo and probably a few more are favourites of the boy \ girls racers, as a result these cars even at smaller engine sizes can be more expensive to insure. I paid £350(ish) on a 1.3 fiesta, with plenty of no claims, no points and being 29.
Though the following things should also be considered to reduce premiums, some are common sense yet not mentioned:
Low millage, if you don't drive much tell them.
Approved alarm \ imobiliser
Parking on a drive \ in a garage
Taking the I.A.M test (Assuming it still exists)
Some insurers offer a bonus excelerator policy, 10 month cover, you get 1 years no claims.”