Finding an insurance provider who offers you cheap car insurance in N Ireland may seem an impossible task. Some insurance providers state that car insurance is not available to residents and many leave this until the final page of the insurance form. If you want to find insurance and find it at a competitive price then you may want to use a specialist motoring website to do the legwork for you.
What sort of things do you need to consider when filling in your car insurance application?
The first thing may be the excess. When completing your car insurance application you are asked how much excess you want to pay on the policy. The excess is the amount that you need to find out of your own pocket if you were to make a claim on the insurance. Insurance providers always state a minimum amount you need to pay but you may want to increase this. If you are able to pay more, it may help to keep down the cost of your insurance down a little.
When applying for car insurance the premiums are based on certain information that is asked and your answers to those questions. For instance, you may be asked if your car has security measures installed. These may include a steering wheel lock, an immobiliser or a car alarm. If you have any of these installed in your car then your insurance may work out cheaper than if you have no security.
However, it is essential that you are very honest when asked this question. For example, if you state you have installed security measures, and you had to make a claim for a break-in and it was found you had lied, you may not be eligible to claim. Honesty applies to any question that you are asked on your insurance application.
To help yourself to get affordable car insurance N Ireland you may also want to park your car in a garage when you are not using it. Left on roadside it may be more at risk of accidental damage by passing vehicles, vandalism and may be a target to thieves. By keeping it in what is considered to be a safer place, the insurer may reward you with cheaper cover.