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There are many additional features available with your car insurance policy; some you’ll need, others you won’t. This brief guide outlines the most common ones offered by insurers, and anything to be aware of.

Courtesy car

Usually, to get a courtesy car, you have to take out a fully comprehensive policy. It gives you the use of a car temporarily while yours is being repaired after an accident. This feature isn’t usually free with a policy, and you may be hit with a one-off fee on top of your monthly premium if you need a courtesy car. In addition, some insurers only offer the car for a limited amount of time, which may not be as long as your car takes to fix.

Driving other cars (DOC)

This, again, is a feature only on fully comp policies. It gives you third party cover on another car which you don’t own, but some insurers stipulate that the other car must be driven only in an emergency. Check your policy if you aren’t sure.

Windscreen/window cover

Another fully comp feature, this will cover part of the cost of repairing or replacing windows, windscreens and in some cases, sunroofs. When obtaining your car insurance quote, check if this option is included, as not all policies offer it. Claiming on this wouldn’t normally affect your NCD, but you may find that, once the excess has been paid, the amount left for the insurer to pay doesn’t warrant making a claim anyway.

Legal protection

If you’re in an accident that wasn’t your fault, this feature will cover your solicitors fees if you need to claim expenses such as injury treatment, car hire, travel expenses and the like. The downside is that insurers will only offer this legal service if there is a reasonable chance you’ll be successful in your claim.

Breakdown and roadside repair

Some insurers offer this option with their policies, but don’t take it out without checking if you can get it cheaper direct from a roadside recovery firm. Insurers are likely to bump the price up for this service. Some car insurance policies do have it as standard, or free, so check with your insurer.

Monthly payments

As a way of getting cheap car insurance, many drivers prefer to take out a monthly payment option instead of one lump sum at the beginning of the year. While this can work out cheaper per month, overall you end up paying more. Additionally, the monthly payment option won’t be available to everyone, particularly if your credit rating is poor.

No Claims Discount (NCD)

NCD is a great way of reducing your premium, often by up to 70%. It depends on how long you’ve gone without making a claim on your insurance. Generally speaking, it’s 10% discount for every year without a claim, whether your fault or not. For a small extra fee you can get Protected No Claims, which means you have a set number of times you can claim before your discount is affected.

Other Drivers

Anyone else who is likely to drive your can should be declared to your insurer. While adding a young driver to an existing policy may drive the premium up, adding a more experienced, older driver to a young persons policy will bring the cost down. But make sure that the older person is a named driver only, and not the main driver, or you run the risk of ‘fronting up’, which is the practice of an older person declaring themselves as the main driver on a young persons car to avoid high premiums.

Car insurance is a legal requirement for anyone getting behind the wheel of a car. Whether you are a learner driver, or have been driving for 30 years, you simply cannot drive a car without having car insurance of some kind. If you are caught driving a car without car insurance, you face a hefty fine and points on your licence.

Calculating your car insurance can be difficult as there are so many things to take into account, but here we can show you how to do it easily. There are hundreds of companies offering car insurance online, and we can help you find out how to look for the cheapest car insurance online.

Before looking at what car insurance entails, lets look at the legal requirements for driving so you can see if you are eligible to take out insurance on a car.

To be considered for car insurance you must be over 17 and either hold a provisional licence or a full driving licence. The vehicle you are looking to insure must fall into the categories of vehicle you are allowed to drive – and this will be shown on your driving licence, a full one or a provisional.

Calculating your car insurance and getting the cheapest car insurance online or face-to-face depends on a number of factors. Your age can play a big part as younger drivers are considered more of a risk to people offering car insurances. Any speeding convictions or points on your licence for other driving misdemeanours can also have an effect, as can the type of car you are insuring, the number of years you have when you have not claimed anything against your car insurance and the amount of people you want to add to your car insurance.

It may seem a bit confusing, but most online car insurance providers can offer quotes in minutes. Just make sure you have all your details to hand so you can answer everything that is needed.

Ideally everyone wants the cheapest car insurance. That can sometimes mean insuring yourself third party, which means you are only covered for damage inflicted by you to a third party vehicle or property. The problem with this is your car could end up with severe damage, yet you will have to cover any of these costs yourself or have the car written off, meaning the value of the car is less than the expense to repair it.

Another factor to take into account when calculating car insurance prices online or otherwise is where you will leave the car overnight. Discounts usually apply if your car is on a driveway or in a garage rather than on the street. If you have a driveway and use it, make sure you say so.

If you take all these factors into account and arm yourself with all the information before looking online for quotes, you should have no problem calculating your car insurance.

Don’t pay a bit of attention to the jokes and stories you hear about how bad women drivers are. The truth of the matter is, the statistics just don’t prove it. If you don’t believe that then maybe you’ll believe the fact that lady car insurance is cheaper than that for men. Everyone knows that insurance companies base their prices on complicated algorithms that are based on cold hard quantifiable statistics. What more proof do you need that women drivers just aren’t all that bad.

So, women drivers are better than men drivers. Does that mean they don’t have the same concerns about car insurance that men have? Absolutely not. Women need lady car insurance just as much as men need insurance. Regardless of how good a driver you are, there will come a time when you need to fall back on your automobile insurance. It may not be your fault, but it will certainly be your problem.

So how do you even begin to shop for lady car insurance? Luckily computer technology has made it very easy to shop for lady car insurance right from the comfort of your own home. Before you get started though you should give a little thought as to what type of insurance coverage you need. Like all auto insurance, lady car insurance can be either comprehensive or third party. Comprehensive is your most expensive option but it is also your most complete. Comprehensive lady car insurance will even cover some damage that is not a result of your driving. This would be things like theft, vandalism, or storm damage. Third party lady car insurance covers damage to other people’s property that results from your vehicle.

Lady car insurance already offers you a break on the price but you may be entitled to additional discounts as well. Most of the major carriers offer discounts if you have a good driving record. You may find other discount programs as well which are based on age or the number of vehicles you ensure. The actual price for your lady car insurance will depend on a lot of factors including where you live, what type of car you drive, age, and driving record. You want to be sure to take advantage of as many of these discounts as you can.

While you are shopping for the best price on your lady car insurance policy, you should also take a look at the companies you are considering. A quick search on the Internet should yield consumer reviews and other information that can help you determine if you will be happy as a customer of these companies. You want to have a good feeling going in that your insurer will provide you with good customer service and that they will pay any claims you have promptly and fairly. You may also want to check with any governmental agencies that regulate the insurance industry in your area to see if there are complaints filed or other indicators that this may not be the company for you.

With a little background research and some comparison shopping you can find a lady car insurance policy that will give you the protection on the road or off that you are looking for. By taking advantage of all the discounts to which you are entitled you can get this insurance for a price you can afford it. Whatever you do, don’t get on the road without good insurance coverage.