Unite Car Insurance Comparison

UniteProtect will shortly be launching a new car insurance comparison website for Unite members. Stay tuned for more information.

When you’re looking for car insurance quotes it’s easy to get confused with the different types of policy to choose from, what you need to get a quote and why you actually need to get the insurance. So we’ve compiled some questions and answers to try and help make the process easier:

Why do I need Car Insurance?
Firstly, because it’s the law. The Road Traffic Act 1988 stipulated that all motorists that use their car on roads and public places must be insured against their liability to other people. Car insurance is important as it covers your expenses in the event of vehicle damage and/or injuries to you, other drivers, passengers and pedestrians.

What information do I need to get a car insurance quote?
When shopping for car insurance, you will need information about you and your driving history, as well as of the other drivers in your household. Here is the information you will need to have ready to get a quote:

Details of your car:
• Your car number plate
• An estimate of how many miles you drive each year
• Any modifications you’ve made to the car

Your licence:
• The type of licence you hold
• How long you’ve had it for

About you:
• Your occupation
• Details of any points, speeding tickets or disqualifications you’ve had in the last 5 years
• Any accidents you’ve had or claims you’ve made in the last 5 years, including the date, type of accident and the claim cost.
• Any no-claims bonus

• Is anyone else going to drive your car? If so, you’ll need their names and licence details too.

What kind of insurance should I get?
To start, it’s important to understand the three levels of car insurance cover to choose from, to decide what best suits your needs:
• Third-party - this is the minimum level of cover required by law. It insures you against damage caused to someone else or their property, including your passengers, as the result of an accident. It doesn't however cover your car against repair or replacement.
• Third party, fire and theft (also known as TPFT) – as well as the benefits of third-party damage it covers you if your vehicle is stolen (or damage occurs as the result of an attempted theft e.g. stolen radio) or is involved in a fire. The fire damage applies to accidental fires as well as arson (however you’ll need a crime reference number to make a claim for the latter).
• Comprehensive – this offers the highest level of protection you can get for you and your car, as well as other people and their property.

What’s the benefit of comparing car insurance quotes?
By comparing car insurance quotes you make sure that you receive the best possible cover for your needs, at the best possible price. See how much you can save by comparing car insurance quotes online. It’s quick, easy, free and there’s no obligation to buy.

Do I need car insurance if my car is never on the road?
If your car is not on the road, then you must apply for a Statutory Off Road Notification (SORN), which means that you don’t need to tax or insure your vehicle.

Does age affect car insurance premiums?
Young and new drivers may find car insurance more expensive.
This is because, statistically speaking, young drivers are one of the riskiest groups on the road. That's why it's especially important to compare car insurance quotes and try to find the best deal possible.

What is a No Claims Bonus?
A No Claims Bonus or No Claims Discount is awarded to you by your insurer if you haven't had to claim on your car insurance for a certain length of time.
Your insurer will usually reduce the cost of your policy - as it proves that you're a careful driver.
The longer you don't claim for, the lower your premiums could be.

What is a voluntary excess?
When you buy a car insurance policy, you can choose a voluntary excess.
This is an amount you'll pay when you need to make a claim.
If you choose a high voluntary excess, your monthly premiums may be cheaper - but ensure that you would definitely be able to afford to pay this amount yourself when needed.