Motor Quotes Direct Guide to Motor Insurance

When we apply for a motor insurance quote we all hope that we will get the cheapest insurance quote possible and that we will never have to make a claim. Unfortunately, accidents will happen, property will be stolen and cars will be vandalised so it's important to know as moch as you can about motor insurance.

Saving Money On Motor Insurance Quotes

There are many ways to get a cheap motor insurance quotes.
Firstly, it’s very important that the motor insurance cover you purchase is the type of cover that you actually need. More info

'Third Party Only' Motor Quotes

This covers the driver who holds the policy against damage to a third party's property or to the third party themselves. Therefore run into someone else’s motor car and 'Third Party Only' motor quotes will cover you for the following costs of an accident.

• The repair to that other vehicle
• Medical claims or injuries suffered by the occupant(s) of that other car and any passengers in your car other than you.

A Third Party “Only” policy will not pay for the costs of repairing your own motor vehicle nor will it pay anything toward your medical expenses if you are injured.

In addition, if your motor vehicle is stolen or catches fire, a Third Party Only policy will not make any payment toward the theft or repair of the motor vehicle.

What are 'Third Party Fire & Theft' Motor Quotes?

These are exactly the same as Third Party Only motor quotes, set out above, however with Third Party Fire and Theft motor quotes will receive payment in the event of your motor vehicle being stolen or set on fire.

What are 'Comprehensive' Motor Quotes?

A comprehensive motor quote (normally known as a "fully comprehensive motor quotes") will pay-out for third party damages and injuries, will pay-out in the event of your motor vehicle being stolen or set on fire, and this type of motor quote will also pay for any damage to your own motor vehicle (regardless of whose fault the accident was).

Getting Cheaper Insurance Quotes for Teenagers

Motor insurance quotes for a teenager when they initially get their license are never going to be cheap, but there are a few ways that you can save money on their motor insurance.

In their first year of driving, teenagers are statistically shown to make twice as many motor insurance claims as drivers over 25. Therefore many motor insurers are hesitant to insure teenagers, and if they do, it is likely that they will quote a much higher insurance rate than a driver over the age of 25.

The most important thing is that you don’t buy a car for them for the first year. Once they have a year of driving without making any motor claims, their premiums will be lowered. If you purchase a new car for them, and put yourself as the named driver, any claim that might be made will definitely be looked at very carefully by your motor insurers, so don’t be tempted to cut this corner. Instead, let your teenager use your car and add them as an additional driver, so that they can receive the benefits of your motor policy.

After your teenager has passed their road test, enrol them in the Driving Standards Authority’s Pass Plus Course. This will equip them with better and more finely tuned driving skills. Taking this course should help to lower their motor insurance premiums.

Make sure that whatever car your teenager is driving, it is safe, and not eye-catching. Also make sure that the car is fully security protected. Encouraging (or even insisting) your teenage driver to share the expense of running a car also encourages responsibility, even if they are only paying for petrol or regular maintenance it make a difference.

Make sure you use websites like motor quotes direct and the many others like this site to find the cheapest motor insurance quotes for you teenager.