One policy is not Valid For All: When you leave the country once, the car insurance is not valid after that. So you need to insure you vehicle for the time you are in abroad with a different insurance cover or Policy which is eligible outside as well.
Insuring your child’s car on your name is illegal: The parents will insure their child’s car in their names so that if the car got some damage they can get the claim. But if they are not the actual car drivers and if they are successful in detecting this then they must refuse to pay the claim.
Don’t give excuse of change in Law: Keep your car insurance updated every time and don’t say that the rule change that’s why I haven’t made insurance. If you are now an owner of a car without insurance then you will be fined £100 for that.
Good driving records will affect the premium: If you have good driving records and fewer accidents from your car then it give a good impact to the insurance company and they will reduce your premiums. If you have done accidents and convictions then they will stay in records forever. Try to keep good records.
Assess your coverage thoroughly: Ask your agent about the risk covers in your policy. As if you are driving an old model then you can remove one of the coverage between collisions and comprehensive it will reduce your premium and represents you the significant part of your premium.
The choice of car depends: If you buy an expensive automobile then the insurance premium rates may increase because the risk cover for these cars are expensive like sports cars are more expensive then family cars as their spare parts and accessories are also expensive and rarely provided.
Discounts in auto Insurance: Generally all insurance companies and brokers say no if you will ask for the discounts. But if you have a common agent and you give all your car insurance to him the he can make discounts and if you have clear records and anti-theft alarms in your cars.
Gather information: Before you buy a Car insurance from your all time broker you must shop around and gather information about the premium rates of other companies as well. Premium rates may vary from different risk coverage by different companies. So check may be you are paying higher for the same insurance and risk covers your friend is paying less.
Check the process to get claim: There are different criteria of different companies even at the time of claim. So check it first that when you need the claim then which are the hurdles you need to cross to get the claim and are they preventing you to chase the race to get claim faster.
Choose an international agent: If you choose a local agent for you policy and to defend you if you figure out some problem and his terms and conditions are not valid in eyes of your country law then you may be fined. So always choose an agent who must have knowledge regarding international cases.