With so many places now offering motor insurance it’s hard to know where to turn to get the best deal and more importantly the best cover. You can buy motor insurance almost anywhere these days – the internet, banks, supermarkets, department stores and of course brokers.
But where do you go for the best deal and how do you know if you are getting the right cover? With the majority of consumers being mainly motivated by price most will simply buy the cheapest quote without looking at what the policy covers, for example, does the policy include legal cover, courtesy car, windscreen cover, protected no claims bonus etc? What is the total excess you would have to pay if you were to make a claim (a lot of consumers don’t realise there is a compulsory excess as well as a voluntary excess)? And what if you purchased the policy online – are you sure that the information you entered to get the quote in the first place is correct, for example the use you require for your vehicle? Even getting something as simple as this incorrect could mean that you are not properly covered in the event of a claim.
Speaking to a broker means that you will be talking to a professional who knows exactly what type of cover you need. And not only that, they can also advise you of ways of bringing your motor insurance premium down. Did you know for example that extra discounts are sometimes allowed if you add a second driver to your policy, or that comprehensive cover is now normally cheaper than third party fire and theft? In addition to this, brokers also have schemes available to them which aren’t available elsewhere. At Herald we currently have several discount schemes available with various insurers such as introductory no claims bonus for ex company car users or previously named drivers. We also have a scheme designed purely for drivers with convictions and drivers with adverse claims history. You will also have the benefit of having extra support available to you when you need it.
It is easy to forget about using a broker when searching for a good motor insurance deal these days but there are still many reasons why you should whether it is getting professional advice or trying to reduce your premiums so speak to Herald today and you never know you could be in for a nice surprise!