Be Wiser Insurance Knowledge Base

When you are buying a car insurance policy, there are three levels of cover you can choose from: third party only, third party fire and theft, and comprehensive.

Much like choosing a car insurance policy, there are a lot of things to consider when buying your motorcycle insurance. What do you need to be covered for, who needs to be covered, and do you need any additional extras?

When it comes to paying for your twelve month car insurance premiums, you can either pay monthly or pay annually, and there are a few things you can do to make sure you aren’t paying too much for your policy. Read on to find out whether you should pay monthly or annually for your car insurance, and how you can make your premiums more affordable.

4x4 vehicles are increasing in popularity, and the variety of vehicles on the market proves this. 4x4 cars are made for off-road environments and therefore offer excellent traction and stability, particularly in inclement weather and poor road conditions.

For drivers who don’t want to pay for their entire annual car insurance policy in one lump sum, paying in monthly instalments is a good alternative. It comes with an additional cost in the shape of a small amount of interest, but paying for one month at a time can help motorists to spread the cost of driving throughout the year.

Temporary or short-term car insurance can be very useful in some situations, and it’s important to be aware that it is an option for you, should you ever need it. Taking out temporary insurance means you only pay for the cover you need.

If you own a motorcycle - whether you use it all year round or only in the summer - it always needs to be insured. As with any other insurance, it’s important to make sure you’re covered for everything you need in the event of an accident.

Theft is a common concern for van drivers, and losing your van can mean losing your livelihood and days or weeks of income. In 2017 it was reported that a skeleton key was being sold online that made it easier to break into vans.

If you need to insure more than one person in your family or household, it may be worth taking out multi-car insurance (if there is more than one car involved), adding a named driver to your policy, or taking out short-term car insurance. Here we explain your family car insurance options, when you may need to use each one, and what’s involved.