Home » Finance

Online Motor Insurance Search

Sep 10, 2008
It can be a thoroughly baffling business conducting your own motor insurance search for the best buy. Although it is a very competitive market, and this means that there is a clamour of providers all claiming to offer the best deals in motor insurance, the sheer number of insurers and the proliferation of different insurance packages makes choosing a potentially hit-and-miss affair. This is when an experienced, professional insurance broker can come to the rescue and help you make an informed and reasoned choice - ensuring you get not only the insurance cover you need, but also the best value for money into the bargain.

The first thing an insurance broker will need to establish is the best type of car insurance that best suits your needs. If the vehicle is old, worth very little and you simply cannot afford any better insurance, then the discussion with the broker can be kept very short as you opt for the cheapest possible, most basic, third party cover. This will ensure that you meet the minimum legal requirement for insurance - your liabilities for any injuries you cause others (including passengers in your own car) and damage to third party property will be adequately covered.

The search can be similarly short and straight forward if you need the slightly wider protection offered by cover against the risks of third party, fire and theft claims - which means that you would at least be compensated up to the value of your vehicle if it is lost or damaged through fire or theft.

The insurance broker will truly come into his own, however, if your search is for fully comprehensive motor insurance. Since there are more than a hundred companies offering comprehensive motor insurance, each with a number of different packages and each package offering various optional extras. A successful search, in this case, relies on your deciding just what elements you are likely to need.

The principal feature of comprehensive insurance, of course, is that it offers protection for a considerably wide range of risks, even when the loss or damage has been caused by the policy holder's own fault. Therefore, this will cover accidental damage to your own car, including the loss of or damage to any personal possessions left in the vehicle; personal accident benefit for serious injuries you might sustain in an accident; and cover for any medical expenses you incur.

Although these are the core benefits generally included in all forms of comprehensive cover, it is important to remember that insurers differ with respect to the maximum levels of benefit payable and to the additional features available under the policy. Some of these might be optional extras, for which an additional premium will be payable, and could include: no claims discount protection; the provision of a courtesy car if your own needs to be taken to a garage for repairs or following a theft; breakdown or roadside assistance; legal expenses cover or even an extension of the insurance cover while driving abroad.

With a selection from so many variables, therefore, a motor insurance search for the comprehensive cover that suits you, your car and your particular needs could well benefit from the advice of an experienced insurance broker.
About the Author
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance .
Rating:
Please Rate:
(Average: Not rated)
Views: 136
Print Email Report Share
Article Categories
    • Artists
    • Gambling
    • Humanities
    • Humor
    • Movies
    • Music
    • Photography
    • Tattoos
    • Television
    • Classic Cars
    • Motorcycles
    • Recreational Vehicles
    • SUVs
    • Trucks
    • Vans
    • Branding
    • Business Opportunities
    • Careers and Jobs
    • Corporate
    • Customer Service
    • Direct Mail
    • Entrepreneurship
    • Ethics
    • Financing
    • Franchising
    • Home-Based Business
    • Human Resources
    • Import and Export
    • Leadership
    • Management
    • Market Research
    • Marketing and Advertising
    • Negotiation
    • Network Marketing
    • Networking
    • Organizational
    • Presentation
    • Project Management
    • Public Relations
    • Small Business
    • Strategic Planning
    • Team Building
    • Telemarketing
    • Training
    • Data Recovery
    • Databases
    • Games
    • Hardware
    • Networks
    • Operating Systems
    • Programming
    • Security
    • Software
    • Spyware and Viruses
    • Ask an Expert
    • College and University
    • Home Schooling
    • K-12
    • Languages
    • Online Education
    • Psychology
    • Coffee
    • Cooking
    • Gourmet
    • Recipes
    • Wine and Spirits
    • Acne
    • Aerobics
    • Alternative Medicine
    • Beauty
    • Cancer
    • Cosmetics
    • Depression
    • Diabetes
    • Diseases and Conditions
    • Fitness Equipment
    • Fitness
    • Hair Loss
    • Heart Disease
    • Medicine
    • Men's Health
    • Muscle Building
    • Nutrition
    • Skin Care
    • Supplements and Vitamins
    • Weight Loss
    • Women's Health
    • Yoga
    • Arts and Crafts
    • Babies
    • Collecting
    • Elderly Care
    • Genealogy
    • Hobbies
    • Parenting
    • Pets
    • Pregnancy
    • Woodworking
    • Feng Shui
    • Gardening
    • Home Appliances
    • Home Security
    • Interior Design
    • Landscaping
    • Affiliate Programs
    • Article Marketing
    • Auctions
    • Audio
    • Banner Advertising
    • Blogging
    • Broadband
    • Domain Names
    • E-Books
    • E-Commerce
    • Email Marketing
    • Ezines and Newsletters
    • Forums
    • Internet Marketing
    • Link Popularity
    • Pay-Per-Click
    • Podcasting
    • RSS
    • Search Engine Marketing
    • Search Engine Optimization
    • Security
    • Social Media
    • Spam
    • Video
    • Viral Marketing
    • Web Design
    • Web Development
    • Web Hosting
    • Copyright
    • Cyber Law
    • Intellectual Property
    • National, State, Local
    • Patents
    • Regulatory Compliance
    • Trademarks
    • Buying
    • Selling
    • Baseball
    • Basketball
    • Boating
    • Cycling
    • Extreme Sports
    • Fishing
    • Football
    • Golf
    • Hockey
    • Hunting
    • Martial Arts
    • Running
    • Scuba Diving
    • Soccer
    • Swimming
    • Tennis
    • Dating
    • Divorce
    • Marriage
    • Weddings
    • Astrology
    • Buddhism
    • Christianity
    • Faith
    • Hinduism
    • Islam
    • Judaism
    • Meditation
    • Metaphysical
    • New Age
    • Cable and Satellite TV
    • Cell Phones
    • Communication
    • Gadgets and Gizmos
    • GPS
    • Satellite Radio
    • Video Conferencing
    • VoIP
    • Addictions
    • Coaching
    • Goal Setting
    • Motivational
    • Stress Management
    • Time Management
    • Clothing
    • Electronics
    • Fashion
    • Gifts
    • Jewelry
    • Causes and Organizations
    • Environment
    • History
    • Holidays
    • Men's Issues
    • Nature
    • Philosophy
    • Politics
    • Women's Issues
    • World Affairs
    • Air Travel
    • Camping
    • Cruises
    • Destinations
    • Outdoors
    • Article Writing
    • Book Reviews
    • Copywriting
    • Fiction
    • Non-Fiction
    • Poetry
    • Quotes
    • Screenplay
    • Tools and Resources