<< The Matthews Guide to Insurance >>

Motor Insurance

Information:

Accident procedure
A car accident can be one of life's most traumatic experiences.
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Anomalies
Useful advice, tips and extras offered by some insurers.
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Automatic renewals
Some companies automatically renew their clients insurance.
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Breakdown
Most companies offer cover as an additional option.
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Contact numbers
Useful contact numbers.
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Courtesy car
Another lucrative extra.
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Driving other cars
Comprehensive cover only.
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Foreign travel
Driving whilst abroad.
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Instalments
Paying on instalments can be extremely expensive.
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Internet or phone?
Most companies prefer customers to use the internet.
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Legal protection
Policies normally insure you for between £50,000 and £100,000 of solicitors fees.
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Lower rate phone numbers
Avoid high tariff numbers.
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No claims discount
Insurers prefer customers that don’t make claims.
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Policy amendments fees
A fee charged by your insurer when you amend your policy.
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Policy excess
The amount that you have to pay towards any claim.
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Use of your car
Social, commuting & business.
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Windscreen cover
If any glass on your vehicle shatters, have it replaced without losing your no claims discount.
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Lower tariff phone numbers:

Most insurance companies give freephone 0800 type number for their sales department, obviously to try and attract new quotes.

Once they have your business, with very odd exceptions, they make you call them on a high tariff number such as 0870, if you need to make a change to your insurance policy ie. change of car, address, drivers, etc.

It has become very obvious that the 0800 numbers are answered much quicker than the 0870 numbers – the insurance companies get a kick back from the phone provider on these numbers – you can very often be hanging on for several minutes at a time on the 0870 numbers and once you have told the insurer about the change on your policy they have the nerve to try and sell you legal protection, breakdown cover, etc. whilst you are already giving them money from the high tariff phone number.

You can save money by avoiding high tariff phone numbers such as 0870 by using the alternative numbers below:

Company	High tariff phone number	Lower rate/ Freephone number
	0870 077 1377	0800 089 2000
	0845 604 2113 0845 560 3551 0845 606 2386 0845 603 3550	0208 313 3030 0800 200 300 0800 404 8676 0800 404 8028 0800 404 8709 0800 404 8695 0800 916 7440 0800 404 8713
	0845 246 8002 0845 246 8585 0845 246 8585 0845 246 8701 0845 246 8167 0845 246 8811 0845 246 8471 0845 246 8484 0845 300 5980 0845 246 0142 0845 246 8686 0845 246 8245 0870 024 0237 0845 300 5290 0845 300 5971 0845 246 3294 0845 300 1230	0800 590 590 01603 220500 0800 156 0802 0208 681 5566 01132 543313 0208 681 5811 01179 849922 0121 236 3313 01179 846860 01179 849922 0141 226 2222 0208 686 3888 0208 681 5566 0141 221 3633 0151 600 3800 0161 830 3253 01603 707060 01132 809966 01179 849922 0208 344 5705 0208 686 3313 01179 843313 01132 543313
	0870 300 0149 0870 300 0146	0800 622122 01454 634100 01179 342111 01454 634501
	0870 906 2999	0800 260 270
	0870 241 3602 0870 737 5810 0870 850 8715 0844 736 9814 0870 850 8715	0800 028 3571 0144 447 5500 01473 216652 01282 451923 02380 676667
	0845 603 7879 0845 601 7079 0845 601 7072	0800 028 2498 0800 434 6215 0141 248 3377 0800 915 2108 0161 862 2516
	0845 605 7757 0845 600 6001	0800 085 7984 0800 032 1752
	0845 274 1066	0800 001066
	0870 050 0505 0870 737 5555 0870 054 5400 0870 055 7185	0800 280 2222 0800 027 9043 0800 458 0331 0800 280 2222 0800 024 2037 0800 027 9367 0800 027 7153 0800 280 2029 01698 804044 01698 786105
	0845 300 2289 0845 3000 0110 0870 166 0046 0845 300 1520	0800 751 751 0800 751 751 0800 751 751 0800 015 9960 0800 597 1305
	0870 224 4007	0116 231 6900
	01133 991 000 0845 246 0311 0845 246 8551	0800 051 1079 01132 439988 0800 158 3958 0800 051 1079 01133 991 000 01132 925 555
	0845 605 2261 0845 604 0691	0800 783 3956 0800 783 3954
	0845 606 1790	0800 032 0596 0800 083 6431
	0845 604 3550 0845 604 3570	0800 085 7984 0800 085 6919 0800 915 2111 0161 862 2890
	0845 246 2905 0870 0241 034 0845 300 8800 0845 300 9900 0845 300 6600 0870 024 1035	0800 591 688 01133 904000 01133 904000 01133 904000 01133 904 000 01133 908 012
	0870 160 2536 0870 160 2536 0870 405 0093	0800 975 8739 0800 316 0809 0191 529 6060 0160 342 0033

Legal Protection Policy
Worth up to £36.
£1 from every Legal
Policy goes to either
Cancer Research UK
or the
British Heart Foundation.

More details

Excess Protection
Up to £500 worth of cover.
Increase your excess and reduce your policy premium without the risk of paying out large sums of money if you have an accident.

More details

Breakdown Cover
Average call out 35 min.
Covers for homecall,
recovery to garage or
destination, car hire,
train tickets, accomodation
and with caravan or trailer.

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Guaranteed loan car.
For both Comprehensive
and Third Party policies.
You will be guaranteed
a courtesy car for up to
two claims a year.

More details

Our average client saves over £100*

Best Advice UK is totally independant and has no connection with any other insurance company/broker.

Visit us at: www.bestadviceuk.co.uk

Phone Best Advice UK on Freephone 0800 0851 898

Phone FREE on:

*Our clients saved an average of over £100 each last year.

The Matthews Guide to Insurance – Independent Insurance Advice

This site is updated daily with latest information to enable you to find your best insurance deals.