CAR insurance is an essential cost when it comes to running a vehicle to protect you against theft and accidents.
But how can you check if your car is insured? Here's all you need to know…
How do I check if my car is insured?
Checking whether or not your car is insured in simple.
All you need to do is visit the Motor Insurance Database (MID).
The MID holds information of all cars insured in the UK.
It is free to use and tells you if your car is insured and its make and model.
How long does car insurance last?
Standard car insurance policies usually in the UK last for 12 months.
Most car insurance policies auto-renew these days.
How much is car insurance?
There are a many factors that determine the cost of car insurance.
These include your age, where you live, the make of vehicle, the amount of driving experience you have and if you have made previous claims.
An insurer may think a younger driver will take more risks and premiums could be higher if you live in an area with a high crime rate.
The premium will also be calculated based on how often and how far you will use the vehicle and if it is being driven for business, pleasure or both.
You will also be asked where you keep the car at night as a driveway or garage may be safer than the street so you can keep a closer eye on it
Why do you need car insurance?
You could be fined £300 and get six points on your driving licence for using an uninsured vehicle, plus the police may even be able to seize your car.
Car insurance can protect you from a large repair bill if you get into an accident when driving plus it may pay-out for a replacement motor if yours is stolen.
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Ten things YOU should know as a car owner
- When is your MOT due? Find out here
- When is your car tax due? Find out here
- Is it illegal to drive barefoot?
- How many units can you drink and drive?
- What do dashboard warning lights mean?
- Is it illegal to drive without road tax?
- Can you be fined for breaking the highway code?
- How to change the address on your driving licence
- What does MOT stand for?
- Is it illegal to park across someone's driveway?
How to get cheap car insurance
Once you have decided about the type and level of cover you want, you can search for cheap car insurance deals online.
A comparison website is a good place to start as you can compare car insurance policies by the type of cover and level of excess you are willing to pay.
It's worth using more than one though, as different sites have different relationships with each insurer.
Some insurers, such as Direct Line and Aviva, don't use comparison sites, so you should contact them directly to see what they'll offer.
You may also get discounts for adding two cars to a policy, known as multi-car insurance.
This isn't always available on comparison websites so you will need to check with an insurer directly.
When it comes to renewal time, insurers rely on you not bothering to shop around.
You can knock hundreds of pounds off your annual bill by spending just a few minutes comparing other deals.
Once you've found the best deal – contact your existing provider to see if they can beat it.
Make sure you tell them the new cheaper price that you've found.
If they can't match it, then switch.
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