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1. #BEST WAY TO COMPARE CAR INSURANCE DRIVERS#
2. #BEST WAY TO COMPARE CAR INSURANCE PLUS#
3. #BEST WAY TO COMPARE CAR INSURANCE FREE#

#BEST WAY TO COMPARE CAR INSURANCE FREE#

Also, the longer you drive claims free the larger the discount insurers will give, which is known as a No Claims Discount. If you want to see how your car impacts your insurance, you can check with us for an indication.ĭriving experience: The longer you drive the lower your car insurance premium. If it’s powerful, it’s deemed more at risk of getting into an accident driving at speed. If it’s expensive, it has a higher risk of being stolen. Type of car: If you have an expensive or powerful car, then you are seen as a higher risk for a number of reasons. This is simply due to the cars they drive being statistically more powerful and that they drive more hours than women, among other factors. Gender: Even though insurers are no longer allowed to discriminate on gender, men still often pay more for their insurance.

#BEST WAY TO COMPARE CAR INSURANCE DRIVERS#

You will find that more experienced drivers will usually get much cheaper insurance premiums. This is why everyone pays a different price for their policy.Īge: This is a factor because, generally speaking, older and more experienced drivers are less of a risk than a young person that has been driving for less than five years. Motor insurance in Trinidad is categorized on statistical risk, so there are several factors taken into consideration when you get a quote for cover. If you don’t know your no claims discount, don’t worry: we can get it from your previous insurer. No Claims Discount (NCD) historyĭetails of your no claims discount will help lower the price you are quoted by up to 60%. You can also add any additional driving qualifications you have here, such as defensive driving. The number of years you’ve held your driver’s licence. Including your name, your occupation, your age, and contact information. And you can add any other drivers to your policy at this stage. You’ll also need to say where you’ll keep the car at night for security. Social, commuting, or business, and how many miles you think you’ll do a year. We’ll also need the car’s age and sum insured value, and let us know of any modifications you’ve made. To see your personalised motor insurance quotes and compare, we’ll need some information on: Details of the car

#BEST WAY TO COMPARE CAR INSURANCE PLUS#

Third Party, Fire and Theft: A type of car insurance policy that covers damage done to somebody else’s car or property, plus for damage to or loss of your car in the event of a fire or theft.How to Get the Best Motor Insurance in Trinidad

So if you have an accident, you can’t claim for repair or replacement of your own vehicle, only for the damage you’ve caused to other people’s car or property. Third Party: A type of car insurance policy that covers only damage you cause to another person’s (aka third party’s) car or property. The premium can be charged monthly, quarterly, or yearly, depending on your preference. Premium: The cost of the insurance policy you have bought. No claim bonus: A discount applied to your insurance premium if you haven’t claimed on your policy over a specified amount of time. Policies will either provide Market value or Agreed value (see above) as the amount you’re insured for due to a total loss. Market value: The amount you would have to pay to buy a car of the same make, model, age and condition at the time of the claim. For example, accidents involving drugs or alcohol, reckless driving or unlicensed drivers, or damage caused by wear and tear. They are outlined clearly in each policy document and can be a variety of situations and events.

You can choose your excess amount (a higher excess means a lower premium), but keep in mind you’ll have to pay the chosen amount at short notice if you need to claim.Įxclusions: Things that aren’t covered under your insurance policy. The excess can vary depending on the type of claim, so it’s a good idea to check the details in your policy documents. Plus, optional extras like no-excess windscreen repair, a roadside breakdown service or a rental car while yours is repaired.Įxcess: If you were to have an accident, the excess is the money you contribute towards the claim. Following an accident, you’re entitled to transport to your home or destination and vehicle removal from the site. And because having an accident can be tough, Comprehensive cover aims to reduce stress if it happens. It covers accidental damage to your car, plus loss or damage from a fire or theft and covers damage you cause to another person’s car or property. If specified within your policy, it’s the amount you’ll receive if your car isn’t cost-effective to repair or has been stolen and not found.Ĭomprehensive: A type of car insurance policy that covers a range of situations leading to accidental damage, along with added benefits and optional extras. Agreed value: The value of your car as agreed between you and AMI at the point of sale and renewal.