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Protect Your Journey: Choosing the Right Civil Service Car Insurance
If you work in the civil service, then car insurance will be considerably cheaper than for many other professions. Insurance providers consider those who work in the civil service to be lower risk compared to a lot of other professions as well as people who are unemployed, so you should find that your car insurance is surprisingly cheap.
If you want to get civil service car insurance quotes now, then simply click the green button and you can have quotes in just minutes. You can find more information below on the types of cover available and why getting quotes online is a good idea.
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Did you know…?
Civil service workers are considered a low risk group by insurance providers, so car insurance is much cheaper than for many other professions.Why You Should Get Civil Service Car Insurance
Car ownership always comes with risks, whether it’s being involved in an accident or having your vehicle vandalised or stolen. A good car insurance policy will protect you for these risks and ensure you’re properly compensated.
Types Of Civil Service Car Insurance
The type of car insurance you opt for will determine the level of coverage you secure. The main types available in the UK include:
- Third-Party Only Insurance: This is the most fundamental form of car insurance and is the minimum legal requirement in the UK. It takes care of injuries to others and damage to other people's property, but it does not cover any damage to your own vehicle.
- Third-Party, Fire and Theft Insurance: This includes everything within Third-Party Only coverage, with additional coverage against the loss or damage of your car due to fire and theft.
- Comprehensive Car Insurance: This offers the highest level of coverage. It includes all elements from the Third-Party, Fire and Theft policy, and might also assist in covering the cost of repairing or replacing your vehicle, regardless of the cause of the accident.
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Did you know…?
Other factors that affect what you pay other than your job, are your age, location and driving experience.The Benefit of Getting Civil Service Car Insurance Quotes Online
Checkout the compelling reasons below to compare your Civil Service Car Insurance quotes
- They allow customisation of search results based on individual needs, such as coverage type and excess amount, for a personalised experience.
- These services don't require commitment or purchase; they can be used as research tools.
- They promote competition among insurers, often leading to better pricing options.
- Users can take note of extras included in some policies, like breakdown cover and legal protection.
- Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.
- The real-time comparison of prices from various insurers aids in making an informed decision.
Additional Types Of Civil Service Car Insurance
Tailor your Civil Service Car Insurance cover to your personal circumstances with the additional cover options available.
- Legal Cover: Get tangled up in a road-related legal dispute? This cover is your financial shield against any legal costs that might occur.
- Uninsured Driver Protection: If your vehicle gets hit by an uninsured driver, this cover ensures you're not left in a financial lurch, covering your excess and preserving your no claims discount.
- Excess Protection Cover: If you need to make a claim, this cover absorbs the cost of your excess, so you don't feel the pinch in your wallet.
- Breakdown Cover: This add-on comes to the rescue when your car breaks down, offering roadside assistance for a worry-free journey.
- Windscreen Cover: This cover guards your windscreen against damage, ensuring your view of the road is always as clear as a bell.
- Misfuelling Cover: Made a blooper by putting the wrong fuel in your car? This cover protects you against the cost of any repairs.
- No Claims Discount Protection: Even if you have to make a claim, this cover ensures that your no claims discount stays put, helping you keep your future premiums lower.
- Key Cover: Misplaced your car keys or had them pinched? This cover sorts out the cost of a new set and even the locksmith's charges.
- Foreign Use Cover: Dreaming of a drive abroad? This extends your cover to foreign lands, providing you the same level of protection as at home.
- Personal Accident Cover: In the grim event of a severe accident, this cover provides a financial buffer for you or any named driver, covering certain injuries.
- Courtesy Car Cover: After an accident, if your car is in the garage for repairs, this cover makes sure your daily routine isn't affected by providing a courtesy car.
- Child Car Seat Cover: Should an accident occur, this cover provides funds for replacing any child car seats, regardless of visible damage.
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Did you know…?
Even though car insurance for civil servants is cheap, you can still save money by paying annually, increasing excess and parking securely.Civil Service Car Insurance - Ways of Saving Money
Follow the tips below to make sure you get the best price for your Civil Service Car Insurance policy!
- Park Securely: Cars parked on the street are more likely to be stolen or damaged. If possible, park your car in a garage or secure parking spot overnight.
- Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.
- Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
- Choose Your Car Wisely: The make, model, and age of your car can affect the cost of your insurance. Cars that are less expensive to repair or replace usually come with cheaper insurance premiums.
- Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.
- Shop Around: Don't settle for the first quote you receive. Use the comparison tool to explore various policies and find the one that offers the best value for your money.
Compare Civil Service Car Insurance Quotes Now!
Finding the ideal car insurance a cinch. when you use the comparison service Here's the plan:- You start by entering your personal information - your privacy is their utmost concern.
- Then, provide the details of your vehicle - the more accurate, the better your matches.
- Next up, fill in your current insurance details - this helps them tailor the perfect solutions.
- Wait a bit, and specialist insurance providers will reach out with bespoke quotes.
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Civil Service Car Insurance FAQs
Why is car insurance cheaper for civil service workers?
Car insurance is usually cheaper for civil service workers because they’re less likely to be involved in accidents or have convictions. This makes them a low risk group compared to many other occupations.
Is my occupation the only thing that affects the cost of car insurance?
No. Other important factors that insurance providers consider are –
- Your age
- Where you live
- The value of your vehicle
What other ways can I save money?
You can lower the cost of insurance in the following ways –
- Get a black box insurance policy
- Take the Pass Plus test if you’re a new driver
- Park securely
- Pay upfront
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