When buying test drive insurance, the only way you can save is by not taking the first policy that you see, which is often a bad idea. Test driving a new car usually costs a lot more than regular cover, but if you really want to be well protected then it is worth investing in. By insuring the car while still on the road, you will be able to drive the car to a dealer, and then return it with the correct insurance in place.
While testing the car, you are still getting to know it, so it’s even more crucial that you get proper insurance. Investing in short-term car insurance ensures you’re covered if you experience an accident, regardless of whether it affects your no claims discount. If the car goes in to an accident that is covered by your no claim bonus, then the cost of the damage will be taken off the excess.
If you have excess cover, then this is normally paid out of the claim. While there is usually a maximum amount you can claim for each year, if you have extra money left over from excess cover then you may choose to take out long term insurance, such as car and home insurance.
If you choose to drive the car you’ve purchased through a dealer, then you may be eligible to use a dealership’s test drive scheme. If so, you may be entitled to some tax relief if you have the car for at least six months, and you may also get a discount if you get it insured through the same company you buy your car from.
To get the cheapest quotes for car insurance, you need to shop around, using the internet. There are many websites that will compare rates for car and home and car cover, allowing you to search from the comfort of your own home and find out the cheapest options.
Shopping around online allows you to read the insurance policy online, and if you need to clarify any details, it will also allow you to email the provider. In addition, by comparing insurance policies side-by-side, you can easily see the difference in premium amounts for various drivers. You don’t need to worry about buying a full-term cover, as long term covers tend to cost less than short term covers, and both have similar premiums, with long term cover being a cheaper option.
The cost of full-term insurance policies is usually based on the age of the car and its make/model and is often higher for older vehicles. However, it may be cheaper to buy a policy if you’re considering a new model and need more protection, as the amount of cover is usually cheaper than when purchasing a used car. If you want to buy car and home cover, then you should consider the cost of a new car as well and look online for policies.
Car insurance policies, especially when bought through the internet, are usually less expensive if you plan on leaving the car parked at home, as this will reduce the amount of risk to the insurance provider if the car is involved in an accident. Buying the correct car insurance coverage means that you can enjoy all the safety features and protection you need, without having to compromise the value of your car.
For example, if you have a high value car that is worth much more than your vehicle’s worth, then you might not need fully comprehensive car insurance. However, if you are more conservative in your spending, then you may want to consider getting this type of cover.
Although most insurance providers offer some form of ‘test drive’ insurance, you might still want to check with the insurer you are looking for to see whether they offer this kind of insurance for vehicles you haven’t previously owned. This will ensure that if the car breaks down while you’re at work, you won’t lose out financially or suffer from medical bills as a result of the breakdown.
Remember, getting free insurance quotes is easy. All you need to do is find an online insurer, visit their website and apply for the quote that suits you.