Insider Secret Cheap Car Insurance Tips[How Insurance Works Exposed]

Find out how insurance works, we look at how it started, how insurers rate their policies and what you can do to legally reduce your insurance premiums.

I cover 17 little known areas that will reduce your car insurance premiums, from adjustments to cover, lifestyle changes and what things attract lower premiums.

When you know how car insurance works, it becomes easy to play the system and extract much lower quotes for your car cover. These also work well as great car insurance renewal tips to get those renewal quotes down.

So for these car insurance tips and tricks we offer tips on the following topics and questions.

Types of insurance
How does TPO third party only work?
How does TPFT Third Party Fire & Theft work?
How does COMP - Fully comprehensive work?
What is covered by these policies, what additional policy cover is worth considering taking out?
What about adding a temporary driver, or what happens to insurance when you take a car off the road?

So if you want to know answers to the following topics you'll find them in this video.

car insurance
motor insurance
how to get cheaper car insurance uk
getting cheap car insurance
cheap insurance guide
cheaper car insurance tips
how insurance works
car insurance renewal tips
how to get insurance cheaper for young drivers

This is the guide for you if you want to know some great car insurance tips and tricks.

Our exposé and tips are based on my over 14 years experience in the insurance industry where as a broker I was comparing quotes and working out these legal loop holes every day to save people money on their motor insurance policies.

[benjaminvolant]

My 17 yo son passed his test. Insurance premiums are high for him, understandably. If I add myself as a named driver, the premium doubles in price even though I have a clean licence, maximum NCB, 34 years experience!... Why? And why does keeping the car in the driveway (rather than in the road) makes the premium go up, not down!!!? Very bizarre and counter-intuitive. Can you explain this? Much appreciate your content by the way :)

[sellie]

Thanks, great video. I'm a little confused about no claims discount protection. If it's protected then I can claim my policy will not be effected by my insurer. But what happens if I've claimed then at the end of the policy, change insurers. Do I then say I haven't claimed (because it was protected) or do I have to say I've claimed and therefore risk losing my discount even though it was "protected" ? Hope this makes sense and you can answer it please.
Thanks 👍

[Ratty_Suzuki_GSX-R]

Lovely vibes, thanks for the insight.

[BleedingSnow]

05:45 - I, and everyone I spoke to, thought we lost the entire NCB, and now that I think about it, that doesn't make sense, losign 2 years does. Was a nice surprise when I took out a claim and thought I lost it all ^^

[jahpeace]

Hi, my son is taking his driving test soon, and I've been trying to get insurance for him when passes his test.
Been phoning around, and can't even get a quote, because they reckon we live in a high risk area.
What can I do to get him insured?

[mengemulu]

Which insurance company is ideal for new driver?

[thebeerinnandrewmckenna]

The thing that gets me, if I wanted to make the smallest of changes, they charge an administration fee. Let's say I had a car that failed it's mot, or broken down not usable anymore, I go and find another, thry cant wait top say, oh theres an administration charge of in my case with esure, £25 and I feel that should be made ilegal. And prices go up even though I'm 51

[PerEuropen-ocjv]

Is that true that brokers have another comparison website from normal people ?

[garyb]

TorqueCars any good insurance companies that helps DD drivers? It would really help me out! Like show bro!

[jeffrybradwell]

Hi thank you for your time you have put in to doing this video I'm a 61 year old man that has never claimed of my car insurance and being taken advantage of by my insurance company thay wont 1800 for the year it should be 180 I can't afford food and gas electric please can you help

[eljay]

Not all true, for instance if you leave your car parked away from home it’s actually cheaper than it’ll be on a driveway/garage

[hugostiglitz]

Protected no claims is utterly useless and it's a waste of money. If you have an accident sure enough that your amount of years, no claims will remain the same, but your premium will definitely 100 percent go up. And you're obliged to tell him whether or not you've had an accident in the last five years. For protected no claims to work they would have to make it so you are not obliged to tell him that you had an accident.

[salam]

05:42: not true. if you have 9year NCB and you make just one claim in the 10th year - your NCB is reduced to flipping 3years.

[ayomideoketikun]

Insurance sounds like a pyramid scheme to be honest