Making the Most of Car Insurance Day
That’s right; today is National Car Insurance Day. It’s a thing, and we didn’t make it up either. It’s all about becoming more organised with your policy, seeing if you are getting the most out of your money, and treating car insurance more like a pleasure as opposed to an unwanted chore. With the start of spring just around the corner, what better time to start paying more attention to your car insurance and the kind of policy you are taking out? Here’s a little more information on celebrating National Car Insurance Day to the fullest.
Checking Your Car Insurance is Due
The first part of celebrating National Car Insurance Day is pulling out all of your documents and making sure you are on top of everything. Check out the policy dates and see when your current agreement is due to expire. How close are you to the end date? Do you want to stay with your current provider or move to a new one? Here’s a fun fact for you, if you are caught driving your vehicle without insurance, you can be fined £300 as well as receive points on your licence.
How Modifications Can Invalidate Your Policy
If you have made modifications to your car, you will need to declare them when you renew your car insurance. This is because there are some modifications that can negatively impact your policy, and failure to declare them can invalidate it. If you improve the security of your car, or you install things like parking sensors and dashcams, these can have a positive effect on the cost of your insurance because they are seen as good enhancements. Here is a list of some of the ones that can have a negative result:
- Transmission or Gear change
- Exhaust changes
- Air Filter
- Wheel arches
- Complete body kit
- Light changes
- Tinted windows
- Replacement of seats
- Roll Bars/Roll Cages
- Dashboard changes
- Uprated brakes
- Alloy wheels
- LPG conversion
- Bonnet Vents
- Front Splitter/Rear Diffuser
- Specialised paintwork
Finding the Best Deal on Car Insurance
It’s good to shop around for the best deal when you are searching for a new policy. Your current provider might be offering you what seems like an incredible renewable rate, but could you get it cheaper somewhere else? The best way to find out is through comparison websites that will show you nearly every provider (some choose not to be listed on them), the prices they are offering, and the things they cover.
This allows you to make a clear and informed choice, but if you want to stay with your current provider, you may also be able to get your renewed policy even cheaper by asking them to match the lower price you have found through comparison websites. Most of the time, it works.
Checking When Your MOT is Due
While you are checking your insurance, why not take a moment to ensure that your MOT is up to date as well? It’s something we often forget about, especially as it only needs to be done annually. However, an MOT is like a safety check; ensuring that important things are working as they should be and also letting you know if they may need to be fixed or replaced.
Lucky for you, we have an excellent MOT checker tool that will let you know exactly when your car is due its next appointment. You can even sign up to receive email and postal reminders, as well as marking it on your calendar, or book it up to 3 months in advance. All we need from you are a few details and your licence plate number, and you’re good to go. It’s available on our website and only takes a minute or two to complete.
National Car Insurance Day is certainly one to be celebrated, and why not do so by checking that you really are getting the most out of your current policy. It’s amazing how much extra we can end up paying just because we get comfortable and don’t fancy searching for a new provider or seeing what kind of deals exist in the marketplace. Plus, your current provider is likely to want to keep you as a customer, which is why it should not come as a surprise that they usually match the prices you find from competitors. Why not see how much money you could save today?