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Your Journey, Protected - Choosing the Right Oxford Car Insurance

The mixture of a large number of tourists combined with a heavy student population (and therefore many young drivers), means that insurance premiums in Oxford can be quite high. The good news is that it’s now easier than ever to get Oxford car insurance quotes to help you save money.

To get tailored Oxford car insurance quotes now, simply click the green button.

Did you know…?

Your age is a big factor when it comes to the price of car insurance in Oxford. Older drivers are less likely to be involved in accidents, so can expect to pay less for their cover.

Why Oxford Car Insurance Is Something You Need

Just as with any other part of the UK, if you drive in Oxford, you need to ensure that you at least have third party only insurance in order for your car to be road legal.

The Main Types Of Oxford Car Insurance

The kind of car insurance you pick will dictate the degree of safeguarding you receive. The main options obtainable in the UK are:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and fulfils the least legal requirement in the UK. It provides coverage for injuries to others and damage to other people's property but excludes any damage to your vehicle.
  • Third-Party, Fire and Theft Insurance: This encompasses everything in Third-Party Only insurance, but with added protection against loss or damage to your vehicle from fire or theft.
  • Comprehensive Car Insurance: This is the highest level of cover available. It integrates everything from the Third-Party, Fire and Theft policy, and might also cover the cost of repairing or replacing your car, regardless of whether the accident was your fault or not.

Did you know…?

Third party, fire and theft policies are the most common type that people in Oxford take out.

Why Get Oxford Car Insurance Quotes Online?

Some of the key plus points of getting Oxford Car Insurance quotes online are –

  • They allow users to browse through various quotes from different insurers, offering a wide range of options that cater to every requirement.
  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • The real-time comparison of prices from various insurers aids in making an informed decision.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

Oxford Car Insurance - Optional Extras

Here are some extra Oxford Car Insurance types to consider adding to your policy –

  • Personal Accident Cover: In the unfortunate event of a serious accident, this cover provides financial support for you or any named driver, in case of certain injuries.
  • Key Cover: Ever lost your keys or had them nicked? This cover handles the cost of replacement, and even foots the locksmith's bill.
  • Foreign Use Cover: Planning a road trip abroad? This gives you the same level of cover as back home, giving you one less thing to worry about.
  • Excess Protection Cover: This takes care of your excess cost if you need to make a claim, meaning you won't be digging into your own pockets when you least expect it.
  • No Claims Discount Protection: This ensures your no claims discount stays untouched even if you make a claim, helping you keep your premiums low in the future.
  • Breakdown Cover: This add-on provides roadside assistance whenever your car decides to take an unexpected break, giving you peace of mind on every journey.
  • Windscreen Cover: Protects your windscreen from any unexpected damage, ensuring your view of the road is always top-notch.
  • Legal Cover: If you find yourself in a legal dispute due to a road incident, this cover gives you financial protection against any legal costs.
  • Misfuelling Cover: Accidentally filled up with the wrong fuel? This protects you against any resulting repair costs.
  • Uninsured Driver Protection: This ensures you're not left picking up the tab if an uninsured driver hits your vehicle, covering your excess and keeping your no claims discount safe.
  • Courtesy Car Cover: If your car needs a bit of TLC after an accident, this cover makes sure you're not left without wheels, providing a courtesy car.
  • Child Car Seat Cover: After an accident, this cover provides funds to replace any child car seats, even if they don't appear to be damaged.

Did you know…?

Comprehensive policies are less popular due to being more expensive but they do provide a greater amount of protection, giving you more peace of mind.

How You Can Save Money On Oxford Car Insurance

Here are some good ways to save money on Oxford Car Insurance –

  • 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.
  • 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.
  • 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.
  • Avoid Modifications: Any modifications to your car could increase your insurance premium. If you're looking to save money, try to keep your vehicle as close to its factory condition as possible.
  • Limit Your Mileage: If you can, try to limit the amount of driving you do. Lower annual mileage can lead to cheaper insurance premiums.
  • Maintain a Clean Driving Record: A clean driving record, free from accidents and violations, can help lower your premium costs as it shows insurers that you're a low-risk driver.

Get Oxford Car Insurance Quotes Quickly & Easily Now!

Comparing quotes turns car insurance shopping into a walk in the park. Here's the sequence:
  • First, key in your personal information - they take data protection seriously.
  • Next, share your vehicle's specifics - the more they know, the better they can assist.
  • Provide details about your current insurance - this enables personalised options.
  • Then, just relax as specialist insurance providers come up with tailored quotes.

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Oxford Car Insurance FAQs

Is it expensive to get car insurance in Oxford?

This will often depend on your age. If you’re under the age of 25, as many of Oxford’s residents are, then yes – you can expect to pay more than somebody who’s older and been driving for longer. However you should still be able to find cover at an affordable rate.

What is covered in a third party, fire and theft policy?

Usually with a TPFT policy you’re vehicle will legal to drive and other road users’ vehicles will be covered by your insurance if you have a crash and you’re at fault. You’ll also be covered for theft and fire damage to your car. Vandalism is sometimes included too but not always so check t your policy to be sure.

How can I save money?

Some good ways you can save money are by –

  • Opting for a third party policy
  • Paying for the policy annually
  • Having somewhere secure to park your car
  • Having a black box installed