A Premium is the money you pay in order to obtain an insurance policy and be covered. When you apply for a UK car bike van insurance quote you are asked for a number of specific details, please see get a quote section within our site. The reason there is a lot of questions asked when you are applying for a car/motorbike/van insurance quote is so that we can tailor the policies from insurers. Other companies might only ask for basic questions, it is then probable that their policy will be generalised and that you might pay for this in higher premiums.

As you will note you will need all your specific details to hand when applying for a UK car bike van insurance insurance quote. It is important to provide us, and ultimately the insurer, with full and accurate information. If you do not divulge the entire truth or give inaccurate details then you will effectively be deprived of your insurance. The insurer will not be obliged to pay out on any claims you might make. Providing false statements in such circumstances are regarded as an offence under the Road Traffic Act and will most probably invalidate your policy. The details you will be required to supply will include some or all of the following so have them to hand so you are sure of not providing inaccurate information:

Car bike or van insurance, like almost every product, needs to be searched for, compared and contrasted across the market.

The difference between the highest and lowest quotes that you can get for exactly the same criteria (eg, car, personal details, convictions) is sometimes astounding. You may find that your lowest quote is half your highest quote. This is where we help you to find the best rates and policy cover to suit you.

Perhaps the most important advance in the search for cheaper car bike or van insurance is the Internet, this is where we have gained an advantage as a broker. We then pass this advantage on to you. By filling in ONCE some of the forms supplied, we can then get quotes from many competing insurance providers, with the lowest premiums highlighted. Once you are content with the policy, cover and cost of the premium you can then go ahead and apply for the insurance policy through us, we will receive a commission from the insurance company for arranging the insurance for you but the value add is that we have experts our teams of specialised insurance brokers which have established relationships with the insurance providers and are constantly monitoring the market for the best deals.

As discussed above almost every question that we include in our forms is effectively been directed from the insurance providers. The type of car driven, age and gender along with numerous other factors can greatly influence the cost of your insurance. Some of these may be out of your control, but there are factors under your control that could make a difference.

Firstly, you can help yourself greatly by advancing your driving skills. There are recognised institutes that you can join such as the Royal Society for the Prevention of Accidents and the Institute of Advanced Motorists which can earn you large discounts on your car insurance premiums should you join and pass their tests.

Another way of lowering your premiums is to consolidate your policies. Should you own more than one vehicle you should try and use the same insurance company for them. Should your car insurance company offer home and life insurance as well you should think about taking those from that company as well, as you can obtain valuable discounts.

Your excess, the amount you pay of a claim before your insurance company will pay the rest, can be set higher to reduce your premiums, although you'll have to pay more when you make a claim.

Women benefit from cheaper car and bike insurance. Statistics prove that whilst women do not have fewer accidents, theirs are less serious, so insurers can offer ladies cheaper vehicle insurance than for men. It's worth insuring the car in the woman's name if you are a couple.

Where you live can make a difference. There are more crashes in certain areas, many of them urban, than in the countryside, and so in general the quieter your area is, the cheaper your premiums will be.

You can also lower your premiums should you drive less, as some insurers offer low-mileage discounts. Getting a no claims bonus and eventually paying a fee to your insurer to protect it can also be helpful.

Age is an important factor, should you be over 50 you are helped by statistics which prove that those over 50 are less likely to claim.

Should you park your vehicle in a locked garage overnight, you can expect to pay lower premiums than should you park your car out on the street.

Vehicle security in general is vital when setting premiums, so add an alarm and an immobiliser should you not have them.

Finally, a low profile, low maintenance vehicle used only for private use will be cheaper to insure than an expensive vehicle used for business.