Car Insurance - Reducing your cost Drive your car yourself

If you alone drive your car, you will usually be allowed a discount of about to % of your premium. However, if someone else then drives your car, you will not only not be able to claim for any damages arising from an accident, but your whole insurance contract will be invalid. You would also be guilty of breaking the law, and could be prosecuted by the police. You should therefore only consider this reduction if you are absolutely certain that no one will ever have to drive your car - even in an emergency. Some insurers allow a small reduction of about 10 % where driving is restricted to two named drivers, such as husband and wife. This should meet the needs of most people.

Pay part of your claim

(This discount often applies to comprehensive policies only.) By yourself paying the first 9 of any claim, you should qualify for a reduction of about 10 % of your premium. You may, if you wish, increase this ' excess ', as it is technically known, to Las, with a corresponding discount of about t 9 %.This is a good way of reducing your premium, especially if you are a careful driver unlikely to have an accident. You will have to pay for minor repairs, but as you would, in any case not claim for small amounts which would affect your no-claim discount (see below), this would be no hardship for you.

Large-scale saving

Families with more than one car can often obtain discounts by insuring them all with the same insurer. Make a special point of asking for a premium reduction, as most insurers do not offer this of their own accord.


Car Insurance - Reducing your cost Drive your car yourself

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: Car Insurance - Special policies

If you alone drive your car, you will usually be allowed a discount of about to % of your premium. However, if someone else then drives your car, you will not only not be able to claim for any damages arising from an accident, but your whole insurance contract will be invalid. You would also be guilty of breaking the law, and could be prosecuted by the police. You should therefore only consider this reduction if you are absolutely certain that no one will ever have to drive your car - even in an emergency. Some insurers allow a small reduction of about 10 % where driving is restricted to two named... see: Car Insurance - Special policies