Car Insurance: Frequently Asked Questions

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Frequently Asked Questions

• Getting started
  
  
• Questions about individual circumstances
  
  

Coming shortly:

• Finding the best insurance deal

• Preventing incidents

• Changes to your policy

• Questions about accidents, or making a claim

  
  
  
  

Getting started

• Do I have to have insurance?
• What if I can’t get a decent quote for my car insurance?
• What is the minimum level of insurance cover I must have?
• Do I need to get my motorbike / scooter / cycle insured?
• How does the type of car I drive affect my insurance policy?
• What is the insurance excess, and how does it affect my premiums?
  
  

Questions about individual circumstances

• I am a young driver, and the quotations I am being given are more than my car is worth. Can I do anything about this?
• Why are insurance policies so expensive for young people?
• I am a student on a limited income. Do you have any tips to reduce my insurance policy?
• My parents have just bought me a car. Should I get it insured in their name, or mine?
• Will I get a discount if I am female?
• Isn't that sex discrimination? What if women had to pay higher premiums, surely they'd complain?
• I am a salesman who drives 50,000 miles per year, and has never had an accident. Why are my premiums so high?
• My job has a number of different roles. Which title should I give to my insurer?