Car Insurance

Price is bound to be an important factor when looking for car insurance. No-one wants to pay through-the-roof-premiums after all. The quality of service provided should also be a key consideration and at Quoteline Direct we do all we can to make your car insurance journey a breeze.

For a quick quote on your car insurance – click here or call us on 0161 874 8029

Car insurance is a legal obligation. There’s no getting out of it, but knowing what policies are available and what’s right for you is the right way to save money and enjoy the correct cover.

Quoteline Direct has access to competitive car insurance for all types of car and all types of driver, irrespective of driving history. Our personal touch makes us much more than just another comparison site, and it’s the ‘human touch’ that helps us find the best deals. With a quick quote at the click of a mouse you’ve got nothing to lose and we think you’ll be surprised at how much you could save.

What Are The Different Types of Car Insurance?

There’s a good chance you’ve received endless quotes already. But if you’re confused about the different types of car insurance available – you’re not alone. Levels of insurance essentially include:

  • Third-Party Only

Third-party only is the minimum legal requirement for car insurance, insuring you against damage caused to someone else and/or their property while you’re driving. So, if you have an accident with passengers in the car, you’ll know that they will be covered. When you get a car insurance quote of this kind, however, you should be aware that it doesn’t cover your car against repair or replacement meaning if your car is badly damaged it will be your financial responsibility to get it fixed.

  • Third-party, fire and theft

This type of car insurance is the same as above, but it also covers your car if it’s stolen or damaged by fire meaning a repair or replacement shouldn’t put you out of pocket.

  • Comprehensive

Comprehensive car insurance offers considerably more protection to motorists covering not only you and your car but also other people and their property. Comprehensive cover allows for ultimate peace of mind providing a much-needed financial safety net following an incident.

Car Insurance Costs – Why Are Some Insurance Groups More Expensive?

There are many factors which can affect the price of car insurance.

  • The type of car you own

When it comes to insurance, every car is put into an insurance group which helps to decide the price of cover. Cars are assigned to an insurance group based on many factors including: engine size (performance cars with powerful engines are generally more expensive to insure than vehicles with smaller engines), potential replacement and repair costs, vehicle safety, car security and more.

Of course, if you want to get cheap car insurance you can do a number of things such as adding security enhancing systems or paying a higher voluntary excess.

  • The type of driver you are

If you’re a learner driver or are aged under 25-years old, car insurance quotes can be rather costly as many standard insurance providers will automatically place you in a high risk category. That said, at Quoteline Direct, our team of experts spend time finding the cheapest policy to meet your needs.

What’s more, convicted drivers and drivers with claims can also be faced with higher premiums. Again, we offer good value cover to make getting behind the wheel easier – and more affordable.

What Are The New Emission Regulations for Car Tax?

As well as car insurance you must also think about car tax. With this in mind it’s essential to understand that as of April 2017, only cars that produce zero emissions such as electric cars benefit from zero road tax. But, if you look out for low emission used cars registered before April 2017 you could still get a quality little runner that qualifies for no car road tax. Moreover, new car tax rates were announced in April 2018 with cars registered after this date being charged higher fees.

Why Quoteline Direct?

As a leading insurance broker with almost 50 years of experience tailoring insurance packages to drivers, you can enjoy many benefits when you go through Quoteline Direct. So what makes us stand out from the crowd?

  • It’s quick and easy to get our best online quote, any time of the day or night.
  • We compare quotes from a range of quality insurers to get you the best deal.
  • We offer Insurance for drivers with convictions, claims or limited driving experience.
  • You can choose from a variety of payment methods, including monthly instalments.
  • Ex-company car drivers may be able to transfer their no claims bonus. In fact, even if you have been driving on someone else’s insurance, we can normally offer the equivalent no claims discount.
  • Our policies are provided by some of the best-known names in UK insurance, and because of our industry standing we have been able to negotiate favourable deals that aren’t available elsewhere.
  • Search through hundreds of policies to find car insurance quotes in seconds.

Compare insurance from our wide panel of insurers – click here for a quick quote or call 0161 874 8029 to speak to one of our insurance consultants.

Quoteline Direct are also specialists in providing tailored insurance quotes across a number of other lines such as Performance Car Insurance and Learner Drivers Insurance