Car Insurance from Hampton Wick Insurance
Cheap Car Insurance

Car InsuranceHampton Wick Insurance has teamed up with Quotezones to provide you with online price comparisons from over 40+ insurers for your car.

Whether you’re looking for classic car insurance, cheap car insurance for your hatchback, an affordable quick insurance quote for your SUV, or a good family car insurance policy, we may be able to help you find a great deal. Our UK insurance panel provides insurance for a range of different cars. We are consistently making more than 25% savings on our Car Insurance premiums quoted by our competitors.

Types of Car Insurance

UK car insurance comes in three main categories:

Third party: This is the minimum legal requirement for car insurance. It’s a basic form of insurance that covers the costs of any damage incurred while driving. For example, if a driver is in an accident with another car, the at-fault driver is liable for damage to the other person’s car, and for any medical expenses they incur as a result of the accident. Note, however, that the insurance does not cover the costs of damage to the car belonging to the driver who is deemed at fault.

Third party, fire, and theft: This is similar to third party insurance, but also covers the cost of replacing a car if it’s stolen or damaged in a fire.

Comprehensive cover: Provides everything as above, but also covers costs for repairing the car belonging to an at-fault driver.

Minimising Premium Costs

One possible way to get cheap car insurance could be by owning a car in one of the lowest premium groups. This typically means owning a newer car. When it comes to calculating premiums, insurance groups may not be the full story, however. Insurance companies might use other information, such as age, gender, and driving record, when they calculate premiums. Home address could also taken into consideration; for example, if a driver lives in a high-crime area, they might pay more as insurers consider the car more likely to be damaged or stolen.
Some ways to reduce premium costs might include:

1) Drivers that avoid making claims may benefit from a premium discount; the discount typically gets higher with consecutive claim-free years.
2) The no-claims discount may often be transferred to a new insurance provider if a driver finds a better deal elsewhere.
3) The no-claims discount doesn’t necessarily prevent an insurer from increasing premium costs. It’s a discount applied to whatever the premium is, so the premium could increase even if the discount remains the same.
4) Most policies have two separate excess amounts. One is set by the insurer and is an integral part of the policy. The second is one that the driver may set themselves. To reduce their premium a driver could opt to set this excess higher, but it does mean they tend to pay more out of pocket if they have to make a claim. And since the excess has a mandatory per-policy component, there could be an excess to pay on every claim regardless of how high the voluntary excess is set.
5) Car modifications of any kind could result in a premium increase, so it may be good idea for a driver to check with their insurer before adding any mods.
6) Paying premiums annually rather than monthly could reduce the cost significantly.