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Car Insurance Comprehensive


RateCity Staff

RateCity Staff


You will stand a much better chance of getting the right insurance car insurance (comprehensive) for your car with quotes from several insurance companies. Most drivers now pay by direct debit monthly, which is very convenient. The downside of all this convenience is that it’s too easy just to renew automatically, without getting quotes for car insurance from competitors.

You might end up paying a significant increase every year without even noticing it, especially if all you see is the smaller monthly payment taken by direct debit. RateCity research shows that over the last few years, most comprehensive car insurance companies have increased the cost of premiums much faster than inflation, so if you don’t get quotes from multiple companies, you are highly likely to end up paying more than you need to.

To get the right comprehensive car insurance brand, ensure you get quotes from at least 3 companies as well as your current provider, and compare all the features in these policies, such as:

  • Excess: the amount you pay before any insurance kicks in, and as a general rule, the higher your excess, the lower your premium will be
  • Choice of repairer: some insurers will let you choose your preferred mechanic or repair shop to fix any damage, but often this convenience will cost you more
  • Replacement vehicle: if your car is out of action for any extended period of time, you may need a replacement vehicle. Check whether the insurance for your car from the various quotes has a replacement vehicle as a standard feature, and how long you will get this car for.

Go to our comprehensive car insurance page to start comparing brands.

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