Car Insurance
Quality Cover Backed By ‘Exceptional’ Service
Want to save money on your car insurance? Let the car insurance specialists at Coversure Hull compare our markets to find you the motor insurance that’s right for your business. Whether you need cover for a performance car or a company car, call us today on 0800 977 6037 and let our award-winning team help you.
Car insurance backed by ‘Exceptional’ service
Our award-wining team is rated as ‘Exceptional’ by feefo and with over 50 years of car insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your car insurance quote today.
Quality service from quote to claim
When you take out a car insurance policy through Coversure Hull, you’re not only assured of high-quality cover, but you can also expect outstanding customer service. We’ll get to know your requirements before consulting our wide panel of insurers to find you the protection you need.
Should you need to make a claim, we’ll be with you every step of the way. Through our motor claims partner, Claimsline, you’ll have access to help 24 hours a day, 7-days a week. They’ll make your claim as painless as possible and help get you back on the road more quickly.
What type of car insurance is right for you?
Like most motor insurance policies, car insurance comes in various forms, each offers different levels of protection. The most common ones being:
- Third-party only – this is the minimum cover required by law and will only protect you for third-party liabilities – e.g., damage to another driver’s car in the event of an accident
- Third-party, fire, and theft – this is the same as third-party, but it also insures your vehicle should it be stolen, lost in a fire, or stolen
- Fully comprehensive – fully comprehensive will cover you should your vehicle be lost to fire, stolen, and, in the event of an accident, it will pay for repairs to your vehicle or another’s if the accident was your fault
How to get cheaper car insurance
No one wants to spend more on their insurance than they absolutely have to. To help you get cheaper car insurance, here are our top tips for cutting the cost of cover:
- Tip 1: Shop around – it’s a competitive market, and you’ll need to spend some time looking around if you want the best deal. Just make sure you’re comparing like with like. Price comparison websites often show policies that look the same, but the covers can vary widely
- Tip 2: Use an independent insurance broker – an independent broker such as Coversure Hull can not only save you time by doing the shopping around for you, but with our wide range of insurer contacts, we can find you great cover for a great premium
- Tip 3: Increase your excess – raising your excess – the amount you pay in the event of a claim – can help reduce your car insurance premium. This is because in the event of a claim, the insurer will have less to pay out and as a higher excess is likely to reduce your chances of claiming for more minor incidents
- Tip 4: Check the policy wording – extras such as breakdown cover, European cover, or any driver cover are great, but they can add to your premiums. So, check your policy carefully – or have your broker do it for you – to make sure you are only paying for what you need
- Tip 5: Add additional security to your vehicle – dashcams, in-car systems such as telematics, and having your car parked securely overnight/off the street can all help keep premiums down
- Tip 7: Get a fleet insurance quote – got two or more vehicles? Then you can get fleet insurance. Fleet insurance is an excellent option if you have two or more vehicles be they cars, motorbikes, or vans. It can reduce the cost per vehicle costs, gives you one renewal date and the flexibility to add and remove cars and drivers as you need to
How are car insurance premiums calculated?
Many factors contribute to how much your car insurance costs, and these include:
- Your age – the younger you are, the more it will cost, as the risks of a claim are deemed to be higher. Also, elderly drivers may find themselves paying more for similar reasons
- Your no-claims bonus – how many years you have gone without making a claim will help insurers decide on your premium as they will give you a discount
- What you are driving – cars are placed in insurance groups that range from 1 to 50, with one being at the cheaper end and fifty containing sports and luxury cars. The age of your vehicle is also a factor. Older cars are less secure and are more attractive to thieves and joyriders as they are less conspicuous
- Your claims history – how long you’ve been driving, whether you’ve had any claims, convictions, or points on your licence will all be considered
- Your postcode – where you live makes a big difference to your policy costs. Postcodes with unfavourable crime rates – especially those with higher-than-average car crime rates – will push up premiums
- Where your car is parked – whether your car is kept in a locked garage overnight or on the side of a public road could, for example, affect your premiums
- Who will be driving the car – for convenience’s sake, some people need to have a named or even any driver cover that allows multiple people to drive it. While this is useful, it will probably push up your premiums – especially if the named drivers are young, old, or have convictions
- Your mileage – the more miles you do, the greater the chances of you having an accident or breaking down, and the higher your premiums are likely to be. Many insurers will often offer discounts for keeping mileage under a certain limit
- The type of mileage you do – if you only want cover for personal driving – so-called social and pleasure cover - rather than for business use and commuting, then your quote will be almost certainly lower. This is because, statistically speaking business mileage is riskier than private mileage
If you’d like some help getting cheaper car insurance, call us free on 0800 977 6037 or start your car insurance quote today.
Which optional extras are worth considering with car insurance?
There are a range of options for car insurance, some of the most popular ones are:
- Protected no-claims bonus – so should you make a claim, you won’t lose your no-claims bonus
- European cover
- Business cover – if your car is used for business reasons, then you need to have this in place, or your insurance may be invalidated. Business cover can include things like driving to work destinations that aren’t your usual place of business, or driving colleagues or carrying business supplies
- Windscreen protection – chips in the wrong place can cost you your windscreen and your MOT, so it’s a good idea to have this affordable option added in
Car insurance FAQ
Car insurance can be a complex area of insurance and it’s important to get it right. To help you get the cover that’s right for you, here are our car insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Q. Is car insurance a legal requirement?
A. Yes, you’ll need it if you want to drive on public roads
Q. What's a no-claims discount?
A. Your no-claims discount (NCD) or no-claims bonus (NCB) is a way that insurers reward careful drivers by offering them a discount on their premium for not making claims. The longer you drive without claiming, the bigger the discount on your premium could be up to a specified limit
Q. Can Coversure Hull offer cover to disqualified drivers or ones with points?
A. Yes, if the ban has been spent, we can help
Q. Can I use my car for business purposes?
A. Standard car insurance will cover you for social purposes and getting to and from work. If you want to use your car for business purposes, you’ll need business car insurance
Q. Is breakdown cover included in car insurance?
A. No, this is usually an optional extra
Q. How can I get a car insurance quote?
A. Getting a car insurance quote is easy. You can call us today on 0800 977 6037 and let our award-winning team help you.
Get a car insurance quote
If you'd like some car insurance help or a car insurance quote, call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
