It’s that time of the year again—not the impending festive overload but the time for me to review my car insurance. Shopping around for car insurance is a nightmare. At renewal I used to spend hours phoning insurers, trying to secure the best deal available. As well as being time consuming, these quotes seemed to vary wildly. If you have a couple of cars, buildings and contents insurance and some life cover you can end up spending weeks trying to get the best deal. The trouble is, we all know that it does pay to shop around, with big savings for the takins if you know where to look.
A lot of the legwork can be eliminated if you use an online broker. You can enter your details once, sit back and wait to be notified of the best deal, unique to you. Sites like Confused.com and Money Supermarket are excellent for acting as a ‘One Stop Shop’ for all things financial, and the facility to let them do all the legwork for you and trawl the insurers while you do something more important like watch the rugby is fantastic!
I managed to save the best part of a £150 using an online broker, and I haven’t been inundated with junk mail or spam. A lot of insurers also give you the opportunity to update your policy online, so changes to vehicle, amendments to insurance or adding a new driver can be done at a time to suit you, knowing the policy will be amended immediately.
Of course, dealing with your insurance online means you do lose the personal touch, which in the past has worked to my advantage. I’ve always found the ‘low whistle of disbelief’ when told the cost of renewal has invariably resulted in the sound of a keyboard being tapped frantically before being offered a far more competitive quote. The choice is yours, but at least online you’re not put on hold and listening to a loop of ‘Lady in Red’…