Can you Explain How the whole Car Insurance thing works in the UK? ?

Question

I mean what are the groups is A the best or most expensive or the most pollutive car or what?

And how do you pay is it like a monthly £200 or more going out like a direct debit?

I am only 17 and i would have passed in a month or two but I am looking to get either a VW Golf (used) or a BMW 1 series in Diesel,

Also what is all this premium rate payment and third party fire and theft stuff?

Which one should I be going for?

Thanks!

Answer 1

How much you pay for your car insurance is based on a lot of things in the uk.

including:

YOUR AGE - this is very important, the younger you are the higher your anual insurance price

MARITAL STATUS -

TYPE OF CAR -

MAKE - the more expensive the car the more expensive the insurance

HOW LONG YOU HAVE HAD YOUR LICENSE -

ENGINE SIZE -

NO CLAIMS BONUSUS -

ETC ETC........

The best hing to do is get some quotes from insurance comparision websites such as confused.com OR tescocompare.com

You fill in one form and get 100's of quotes.

AS its your first car, and your young, i would go for the cheaper car (VW golf) so that your insurance is cheaper.

Answer 2

all I can advice you with is that with today's cost of diesel you'd better wise up to LPG cars, they have been around ONLY for the last 50 years all over europe *and the UK* and you'll spend less than half to run them. Ebay is full of them.

You pay either monthly or yearly, it depends on you. Obviously they'll charge you more when paying monthly.

I'd advice you to get several quotes before choosing who to go for. Find a down to earth quote instead of going for the first overinflated one you come across. Here's a fer insurers

http://finance.ebookorama.com/ukusa-sele...

there'll be tons more in google

Answer 3

You forgot to say how much you have got. You seem to be going for good cars so I guess money is not a problem. If that is it then just get a "

Fully Comprehensive Policy" and you are sorted!

Glad I was of help and enjoy your motoring, please drive safely!

ps yes you mentioned Diesel, you are right, Diesel cars are the most pollutive cars that ever existed, I am proud of your decision.

Answer 4

If you are using a loan to buy the car the loan company will insist on comprehensive cover. The cost of cover will depend on a number of factors and the best way to get a price will be to use one of the comparison websites.