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A Buyers Guide to Insuring a New Car

Buying a new car is something many people look forward to however, the last thing you want to do is pay over the odds to insure your new vehicle. All you should be looking forward to is getting out on the open road in your new set of wheels.

It is possible to insure your new car cheaply and this guide will get you out on the tarmac in no time at all, without emptying your wallet.

There are however a couple of things to consider:

Do You Need GAP Insurance?

One of the many considerations when taking out an insurance policy on a brand-new car is whether, in the event of an accident, your insurer is likely to pay out enough money to replace your new car.

It is standard practice for an insurance company to pay out a sum equal to the value of your car at the time of the accident. This is mainly due to the unfortunate depreciation many motor vehicles experience and, this makes it quite likely that you will receive less money for your car than what you paid for it in the first place.

There is a solution however, you can look at taking out a Guaranteed Asset Protection (GAP) insurance policy, which will cover the difference between what your car insurer pays you and the original cost of your vehicle.

There is nothing like the peace of mind of knowing you are sufficiently insured should the worst happen.

Additional Information
Policy Overview
No Claims Bonus (NCB)
Car Insurance Groups

Useful Guides
No Deposit Car Insurance
How To SORN Your Car
MOT’s Made Simple
Insuring a New Car
New Driver Insurance


Your Choice of Vehicle

The cost of your insurance cover is going to be heavily influenced by your choice of car.

There are 50 different car insurance groups which categorise every car built to UK specifications. In general, the higher your insurance group, the more it is going to cost to insure your car.

To give a real-world example, a Ford KA is going to cost you much less to insure than say a Ferrari 488 as a Ford Ka is in insurance group 2 and the Ferrari is in insurance group 50. You won’t just pay a small fortune to insure a super car though, may prestige cars and high end 4x4s will also be expensive to insure.

However, it is important to remember that just because a car is in a higher insurance group, does not mean that you are always going to pay over the odds. Many other factors come into consideration such as your age, occupation and indeed how many years no claims bonus you have.

Short Term Insurance Cover

If you are going to drive your car on a public road, you will need car insurance as it’s a legal necessity. If you can’t find the right annual policy straight away there are other options available to you which will allow you to drive legal on the public roads whilst you search for permanent cover.

You can purchase a temporary car insurance policy which typically last for between 1-28 days. A temporary car insurance policy is generally more expensive than an annual policy but, if you only need cover for the short term, it’s a great alternative.

How to Compare Cheap New Car Insurance Online

One of the most effective ways of ensuring you get a great deal is to shop around and ensure you are getting the cheapest car insurance policy for your new car. You can use a car insurance comparison service like the one available on your website to compare over 100 insurers. It’s easy to do, you simply input some details about you, and your new vehicle and in under 5 minutes you’ll have plenty of quotes to choose from and, you can even buy your car insurance online.