Compare The Market Or Go Direct For Car Insurance?
Is Direct Car Insurance cheaper than comparing car insurance?
It is exactly what it describes.
You arrange the policy and buy the car insurance policy direct from the Underwriting Insurance Company.
The perceived benefits of buying direct from the insurer are that in many cases the premiums offered will often be cheaper than if someone bought offered by an intermediary.
However, this if quite often not the case!.
The downside is that if you purchase direct from an insurer you lose out on the advantages of when you compare car insurance from many suppliers on for examples a price comparison site.
Most companies that sell direct car insurance can make savings in insurance agent commissions and computer data costs, which many do pass onto their clients in discounted premiums or advertising ‘sweetners’ such as offering twelve months insurance for the price of just 10 months, or throwing in some more covers for free, such as car breakdown insurance.
The marketing tactics must be viewed sceptically by the person thinking of purchasing a motor insurance policy.
It’s quite often the case that the costs of the ‘marketing offer ‘ are absorbed within the base rates of the car insurance quote returned.
With so many different types of car insurance distribution points available nowadays it is sometimes difficult to work out whether you are buying your cover from a direct seller, or not. It is quite possible that the company you are talking to are not car insurance brokers?
There are basically two ways to contact a direct car insurance company.
It is possible to purchase direct insurance cover by either picking up the phone and calling a car insurance company that you found in the telephone book. One such company in the UK is Adrian Flux who you can reach on 0800 089 0182
Alternatively by shopping around on the World Wide Web where you can get quotes and find various alternative types of direct car insurance companies.
These direct car insurance sites also include providers of specialist car insurance and prestige car insurance.
Whichever method you choose to use to purchase the policy, ensure you understand, whether you are dealing with a direct car insurance company or from one of the other intermediaries that exist. If you don’t it could cost you a lot more than it should!
However you decide to purchase your motor insurance it should always be with what is right for your particular needs. You should always make comparative decisions on a like for like basis. If a policy is being offered for a few hundred cheaper than a competitor, you should check carefully the cover levels in the small print, and compare the differences such as excesses.
If you need specialist advice in deciding what insurance are needed.
It is very easy to call a broker or direct car insurer and they will be able to tell you exactly what the cover includes.
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