Car insurance has always been one of those things that as a young person I have always had to pay through the nose for but when I got my new car last year and my current insurers, Bartlett Davies Bicks quoted me £3000 to continue the policy I thought that there must be a cheaper way and so being a fan of the Internet I went surfing.

Of course, the ideal insurer is one of those things that really does vary from person to person; a company that is good for one individual can be useless to another based on that companies quotation criteria. You can pretty much guarantee however that you’ll be able to save money by checking out the Internet as there is usually no middle man and the overheads of an Internet based insurer are bound to be lower than a conventional high street insurer.

I’m currently insured with Elephant ( as they kindly converted my company car no claims discount into personal no claims discount which gave me an instant 3 years no claims head start compared with other insurers who refused to convert one to the other. I’m currently paying around £700 but as I’m now approaching renewal and my 4 years no claims entitlement I am once again shopping around which is what gave me the idea for this article.

Insurers that have so far looked kindly on me and my insurance group 9 motor include Tesco (, More Than ( and once again, Elephant ( Each policy has come in around the £500 mark which includes the ability to protect my no claims bonus which is extremely useful as I dread to think how much they would charge me if I had an accident and dropped back to stage one. Even if you read my articles every week but seldom visit the websites I mention then make sure you visit at least the three above as it really could save you a substantial amount of money when you come to renew your car insurance.
Other sites worth a mention include Confused ( which searches dozens of sites to find their best quote, Sainsburys ( and Diamond ( which is for woman only.

Of course, there are other sites out there but I haven’t got enough room here to list them all. Personally, I’ve always found that Tesco has offered a good rate to myself, friends and family as well as More Than who can protect your maximum no claims bonus for life as long as you maintain your policy with them.

The Internet can save you money on so many products but truly insurance has to be one of the things that is best suited online. When you think of an insurance policy (home, car, pet or otherwise), you very rarely need to actually contact anybody; after all, you renew it every year and it’s only in the event of a claim that you need to actually speak to someone. Whether buying in person at a shop or over the phone you are just as well covered and you won’t notice any difference in the cover but you will in the price. When quoting over the Internet, you can easily see how changing certain variables such as voluntarily excess will change your policy and of course read the full terms and conditions before buying which would be tricky over the phone. If you do have any problems such as an accident then it’s all done over the phone; online insurers don’t expect you to make claims over the Internet.

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