Cover four wheels
Motor insurance can cost you more if you haven’t got any than if you have. Fines of £750 and 6 points on your licence are common and that’s without any claim from an injured party or damage to your own vehicle.
It’s a legal requirement to carry insurance for any motor vehicle you own or drive but that doesn’t mean you have to pay the earth for it. At Asprey Harris we can survey the market for you and compare the deals available, giving you our recommendation and letting you have the final decision. Each year, just before your renewal date, we repeat the process, making sure that you are still paying the best price for the policy that meets your needs.
It is estimated that 1 in 20 drivers holds no insurance for their vehicle, so if you are in the wrong place at the wrong time you may be forced to use your own policy to make good the damage. This is where buying cheap insurance can cost you a lot of money: for instance, will you be covered for repairs, given a replacement vehicle or provided with legal assistance? Each of these affects the cost of the premium and if you’re not paying for them, you won’t be covered.
Another thing to consider is your no claims bonus; this is very precious and will save you money in the long run. It really is worth including no claims bonus protection in your policy, just in case you are forced to make a claim for an incident that wasn’t your fault. Different insurance companies offer different terms; that’s where using Asprey Harris pays off as we can search out the best deal for you.
Young drivers’ insurance can also cost a fortune unless you know where to look for the best deals. We’ve teamed up with Marmalade to offer drivers between 17 and 27 annual insurance on their parent’s car which won’t affect their No Claims Bonus. Black box technology identifies the driver at any time and helps youngsters build their own No Claims Discount while helping to develop safe driving skills.