How to switch your car insurance

9 July 2018

Before you switch, follow these steps just to ensure you’re getting the best cover and service at an optimal price.


How to switch your car insurance

If you’ve done all your research and want to change motor insurance companies, these are the steps to follow.

Before you switch, follow these steps just to ensure you’re getting the best cover and service at an optimal price.

Ask your existing company for a new quote

If you’ve decided to switch car insurance companies solely based on costs, it’s worth chatting to your current insurer about reducing your premiums, or matching the competitor’s quote. Some companies might be keen to “reward” your loyalty with a reduced premium.

Check the fine print

Ensure that your new insurer will cover exactly what your previous insurer did. You might be getting a better price or service, but your benefits might not be the exact same. If you’re in doubt, ask your broker.

If you do go ahead with the switch, here’s what you can do to ensure you’re always covered, and you’re not paying two premiums.

Get details of the new policy in writing

Ensure that what you’ve been quoted isn’t “hearsay”, and that you have all the information in writing and are clear on everything before you head to a new insurer.

Buy a new policy before the cancellation date

Ensure your car is always covered – a gap of even a day without your new cover could be very costly.

Cancel in writing

While it might not be a prerequisite, it’s advisable to cancel with your previous insurer in writing so that you have proof of the cancellation request in case you are charged for another month. Ensure that you get written confirmation from them that your policy has been cancelled.

Make note of your insurance details

Save your new insurer’s emergency contact details in your phone, and if there is one, display their towing information sticker on your car.

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This article is intended to be used and must be used for informational purposes only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information in this article is strictly at your own risk. We will not be liable for any losses and/or damages in connection with the use of the information contained in this article.

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