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    • British Intelligence Confirms Russian Attacks on Azovstal

      British Intelligence Confirms Russian Attacks on Azovstal

      6th May 2022
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    • BBC: Johnson to Apologise to Parliament Over Fine

      BBC: Johnson to Apologise to Parliament Over Fine

      19th April 2022
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    • London Underground on Strike After Collective Bargaining Failure

      London Underground on Strike After Collective Bargaining Failure

      1st March 2022
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    • BBC: Johnson to Apologise to Parliament Over Fine

      UK Opposition Leader Accuses Prime Minister of Spreading Conspiracy Theory

      10th February 2022
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    • British Government Wants to Speed Up European Union Laws

      British Government Wants to Speed Up European Union Laws

      31st January 2022
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    • British Government Wants to Speed Up European Union Laws

      There were Also Parties in Boris Johnson's Official Residence on the Eve ...

      14th January 2022
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    • Cuddling Animals and Cleaning the House: British Energy Supplier Through the Dust After Tips to Keep Warm

      Cuddling Animals and Cleaning the House: British Energy Supplier Through the Dust ...

      11th January 2022
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    • British Conservatives Rebel Over Prime Minister Johnson's Corona Plans

      British Conservatives Rebel Over Prime Minister Johnson's Corona Plans

      14th December 2021
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    • Paris Wants EU to File Lawsuit Against London Over Fishing

      Paris Wants EU to File Lawsuit Against London Over Fishing

      10th December 2021
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  • US
    • Elon Musk Sells Shares in SpaceX to Pay for Twitter Deal

      Elon Musk Sells Shares in SpaceX to Pay for Twitter Deal

      17th May 2022
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    • Elon Musk Threatened by Head of Russian Space Agency: If I Die Under Mysterious Circumstances...

      Elon Musk Threatened by Head of Russian Space Agency: If I Die ...

      9th May 2022
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    • Lloyd Austin: Ukraine Resistance Inspires Free World

      Lloyd Austin: Ukraine Resistance Inspires Free World

      26th April 2022
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    • American Woman Accidentally Wins Millions

      American Woman Accidentally Wins Millions

      12th April 2022
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    • Russian Ambassador: US Sanctions Hit Ordinary Russian

      Russian Ambassador: US Sanctions Hit Ordinary Russian

      7th April 2022
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    • Biden Meets Parents of Ex-Marine Locked Up in Russia

      Biden Meets Parents of Ex-Marine Locked Up in Russia

      31st March 2022
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    • Ukrainian President Addresses US Parliament

      Ukrainian President Addresses US Parliament

      16th March 2022
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    • US House Approves $13.6 Billion for Ukraine

      US House Approves $13.6 Billion for Ukraine

      10th March 2022
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    • President Maduro: Venezuela Continues to Talk with US

      President Maduro: Venezuela Continues to Talk with US

      8th March 2022
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  • Europe
    • Von der Leyen Calls Russia Greatest Threat to World Order

      Von der Leyen Calls Russia Greatest Threat to World Order

      12th May 2022
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    • NATO chief: Finland and Sweden can Join Quickly and Safely

      NATO chief: Finland and Sweden can Join Quickly and Safely

      28th April 2022
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    • Von der Leyen Calls Russia Greatest Threat to World Order

      Von der Leyen: EU Stands in Solidarity with Poland and Bulgaria Against ...

      27th April 2022
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    • Macron and Le Pen Advance to Second Round of French Presidential Elections

      Macron and Le Pen Advance to Second Round of French Presidential Elections

      11th April 2022
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    • Denmark Expels 15 Russian Spies

      Denmark Expels 15 Russian Spies

      5th April 2022
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    • Polish Border Guard Counts More Than 2 Million Refugees from Ukraine

      Polish Border Guard Counts More Than 2 Million Refugees from Ukraine

      18th March 2022
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    • No Evacuation Routes in Ukraine Due to Conflict in the East

      Ukraine Hopes to Open Nine Humanitarian Corridors

      15th March 2022
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    • Ukrainian Resistance Blows Up Tracks for Russian Soldier Train-Two Senior Officers Killed

      Russia Says Ukraine Prepared Attack on Donbas

      9th March 2022
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    • Denmark Expels 15 Russian Spies

      EU to Decide on Sanctions Against Russia on Tuesday Afternoon

      22nd February 2022
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  • International
    • International Court of Justice Orders Myanmar to Take Measures for Rohingya

      International Court of Justice Orders Myanmar to Take Measures for Rohingya

      23rd January 2020
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    • Lebanese Hezbollah Calls for Revenge on the US

      Lebanese Hezbollah Calls for Revenge on the US

      3rd January 2020
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    • Greta's father: I Adjusted My Lifestyle, Not for the Climate, but to Save My Daughter

      Greta's father: I Adjusted My Lifestyle, Not for the Climate, but to ...

      30th December 2019
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    • Pope Francis Speaks Urbi and Orbi and Calls for Guaranteeing Safety in the Middle East

      Pope Francis Speaks Urbi and Orbi and Calls for Guaranteeing Safety in ...

      25th December 2019
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    • Five of Eleven Death Sentences after Journalist Khashoggi Murder

      Five of Eleven Death Sentences after Journalist Khashoggi Murder

      23rd December 2019
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    • Indian Rape Victim Who was Set On Fire has Now Died

      Indian Rape Victim Who was Set On Fire has Now Died

      7th December 2019
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    • Barnier

      Brexit Conversations Yielded Nothing

      15th October 2019
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    • Juncker Gives Johnson The Last Brexit Plan A Chance

      3rd October 2019
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    • Cristiano News

      "Not Messi, But Ronaldo Earned This Prize"

      26th September 2019
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  • Technology
    • Netflix Lays Off 150 Employees After Disappointing Figures

      Netflix Lays Off 150 Employees After Disappointing Figures

      18th May 2022
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    • Chinese Hackers Target Russian Targets

      Chinese Hackers Target Russian Targets

      4th May 2022
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    • Russia Blocks Chess Website for Critical Articles

      Russia Blocks Chess Website for Critical Articles

      25th April 2022
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    • Huawei Gives Russian Staff a Month's Leave

      Huawei Gives Russian Staff a Month's Leave

      14th April 2022
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    • HP Sees Revenue and Profit Rise

      HP Sees Revenue and Profit Rise

      4th March 2022
      0
    • Netflix Lays Off 150 Employees After Disappointing Figures

      Netflix Star Pleads Guilty to Child Abuse

      11th February 2022
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    • Call of Duty will Remain for Sale for PlayStation Even After Acquisition

      Call of Duty will Remain for Sale for PlayStation Even After Acquisition

      26th January 2022
      0
    • EU to Propose Larger Own Chip Production in February

      EU to Propose Larger Own Chip Production in February

      21st January 2022
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    • Google and Facebook Receive Millions of Fines for Their Cookies in France

      Google and Facebook Receive Millions of Fines for Their Cookies in France

      6th January 2022
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  • Business
    • Netflix Lays Off 150 Employees After Disappointing Figures

      Netflix Lays Off 150 Employees After Disappointing Figures

      18th May 2022
      0
    • Elon Musk Sells Shares in SpaceX to Pay for Twitter Deal

      Elon Musk Sells Shares in SpaceX to Pay for Twitter Deal

      17th May 2022
      0
    • Blockbuster Spider-Man Helps Sony Achieve Record Sales

      Blockbuster Spider-Man Helps Sony Achieve Record Sales

      10th May 2022
      0
    • Von der Leyen Calls Russia Greatest Threat to World Order

      Von der Leyen: EU Stands in Solidarity with Poland and Bulgaria Against ...

      27th April 2022
      0
    • Elon Musk in View of Bonus of No Less Than 23 Billion Dollars

      Elon Musk in View of Bonus of No Less Than 23 Billion ...

      21st April 2022
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    • Broad Appeal to IMF for Extra Support for Poorer Countries

      Broad Appeal to IMF for Extra Support for Poorer Countries

      13th April 2022
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    • Russian Car Sales Plummet Due to Western Sanctions and Boycott

      Russian Car Sales Plummet Due to Western Sanctions and Boycott

      6th April 2022
      0
    • HP Sees Revenue and Profit Rise

      HP Sees Revenue and Profit Rise

      4th March 2022
      0
    • EU to Propose Larger Own Chip Production in February

      EU to Propose Larger Own Chip Production in February

      21st January 2022
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  • Sports
    • Djokovic Cancels Cincinnati Tennis Tournament

      Djokovic Cancels Cincinnati Tennis Tournament

      10th August 2021
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    • Japan Extends Corona Emergency Around Tokyo

      Japan Extends Corona Emergency Around Tokyo

      30th July 2021
      0
    • Andy Murray: Olympics can Offer Hope

      Andy Murray: Olympics can Offer Hope

      21st July 2021
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    • Czech Volleyball Beach Player Tests Positive in Olympic Games

      Czech Volleyball Beach Player Tests Positive in Olympic Games

      19th July 2021
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    • Tokyo Olympic Athletes Village Officially Opens

      Tokyo Olympic Athletes Village Officially Opens

      13th July 2021
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    • Japan Extends Corona Emergency Around Tokyo

      Advice From Japanese Doctors: Do Not Allow Spectators During Games

      18th June 2021
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    • Nadal Back in Second Place in the World Ranking After Tournament Win

      Nadal Back in Second Place in the World Ranking After Tournament Win

      26th April 2021
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    • Basketball Players LA Lakers Second Defeat in NBA

      Basketball Players LA Lakers Second Defeat in NBA

      29th December 2020
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    • Basketball Players LA Lakers Second Defeat in NBA

      Los Angeles Lakers Win NBA Title

      12th October 2020
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  • Travel
    • Top 6 Campsites in Canada

      Top 6 Campsites in Canada

      18th December 2018
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    • Alberta-Canada

      10 Most Photogenic Places On Earth

      3rd May 2018
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    • HuaShanChina

      Hua Shan Trail In China

      1st May 2018
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    • Holiday

      5 Most Popular Holiday Destinations

      29th April 2018
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    • Khao Yai Travel

      Khao Yai- Heaven on Earth

      22nd April 2018
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    • Job in Australia

      10 Steps to Get A Job in Australia

      22nd April 2018
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    • Summer Camps

      How to Enjoy a Great Time at Summer Camps?

      21st April 2018
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    • Perfect Lads Holidays

      4 Tips for Planning the Perfect Lads Holidays

      20th April 2018
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  • Rumours Don’t Stop Because of His Family Name: Putin has a Son-in-Law Named Zelensky

  • Ukrainian Resistance Blows Up Tracks for Russian Soldier Train-Two Senior Officers Killed

  • Netflix Lays Off 150 Employees After Disappointing Figures

  • Elon Musk Sells Shares in SpaceX to Pay for Twitter Deal

  • Commercial Flight from Capital Yemen for the First Time in Six Years

Finance
Home›Finance›How to Choose Car Insurance Coverage?

How to Choose Car Insurance Coverage?

By James Anderson
14th May 2021
147
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How to Choose Car Insurance Coverage?

With so many companies, features and policies to choose from, picking car insurance can be quite overwhelming. But doing a bit of research at the start can help ensure a motorist finds car insurance that covers what they want gives a good customer experience and offers the best value for money.

How to choose a car insurance company 

When comparing car insurance companies, there are many factors to keep in mind, such as customer reviews, features and cost. Here are the most important considerations when choosing the best company and to help secure the cheapest price.

First, have a look at Trustpilot and reviews.co.uk to get a sense of the customer experience had by real customers. Note that many online reviews reflect the sales process, not the claims process. Scroll through to look for specific references to claims. Also, have a look at independent, professional car insurance reviews by companies like NimbleFins.

Investigate how policyholders can access customer service, should they need to. Some cheap car insurance companies don’t have phone call centres, instead only operating online customer service. This doesn’t suit everyone. Motorists who want to pick up the phone and talk to a human when a problem arises should keep in mind that not all companies operate call centres these days.

Next, consider the features provided with a policy. Does it include popular add ons such as breakdown cover, legal expenses, personal accident, key cover and courtesy car (e.g., a courtesy car when a car is in for repairs after an accident or written off or stolen)? Or are these offered as add-on features? If they’re add ons, how much do they cost? Also, check out Defaqto, which is independent and rates specific car insurance offerings by features, awarding between 1 and 5 stars.

And then, there is the price. How does the offer compete when compared to other offers in the market? Car insurance is highly competitive in the UK, yet some companies will charge multiples of others for the same profile. Each car insurance company uses its own pricing model to analyse expected risk so that pricing can vary from one to the next. Also, car insurance companies in the types of risk they are happy to take on. For example, one firm might specialise in insuring young drivers or drivers who’ve had an accident recently; other insurers might shy away from these types of drivers and charge astronomical rates for them as a result.

Using a comparison site is known to be the best way to compare many quotes quickly. Fill in one form with details and get potentially dozens of offers back within seconds. That said, some high-quality car insurance companies like Direct Line and NFU Mutual are not on comparison sites. If price is a big concern, check multiple sources before deciding upon an offer.

What type of cover is best for car insurance?     

Of the three types of car insurance, comprehensive cover is best. Unlike lower tiers of cover, comprehensive policies cover a car if it’s damaged in an accident that is the policyholder’s fault. (If a car is damaged in an accident that is someone else’s fault, the repairs should be covered by their insurance.)

Comprehensive car insurance also covers third parties for at-fault injury or damage (like the lowest tier of cover, Third Party Only or TPO). It covers a car against damage or loss due to fire or theft (like Third Party, Fire and Theft or TPFT).

Regardless of the company, a comprehensive policy will offer its best coverage.

What deductible should I choose for car insurance?      

The two biggest factors to remember when choosing a deductible for car insurance are the size of the excess and how it affects the insurance rate. Is the deductible affordable if a claim is made? The deductible, also known as the excess, is the amount a policyholder pays towards a valid claim. Motorists should only choose an excess that they can cover if they need to make a claim. If a motorist can’t find funds to pay the deductible, the repair shop might not carry out needed work if a car has been damaged in an accident, for example.

Then also, take into account how the excess has impacted the insurance rate. Choosing a higher excess should lower the premium, but sometimes not by much.

In summary

To recap, when choosing the best car insurance company and coverage, consider:

  • The insurance company
  • The level of cover (Comprehensive, TPFT or TPO)
  • The features
  • The price
  • The excess

Keep this list handy and ensure all points are acceptable before deciding because ending up with the right company can make a real difference to the experience later on.

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