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Get Peace of Mind on the Road with the Right Unemployed Car Insurance

If you’re unemployed, whether long-term or just recently, the unfortunate fact is that car insurance probably cost more compared to somebody who’s in employment. This might seem unfair but it’s because insurance providers consider those who are unemployed to be at higher risk of making claims or receiving a conviction. The good news is that there are plenty of insurance providers out there who can provide unemployed car insurance at a competitive rate.

You can get car insurance quotes now by clicking the green button. Keep reading if you’d like more information on the different types of cover available and when getting quotes online is beneficial.

Did you know…?

Unemployed car insurance can be expensive but you can ensure you get a good price by getting a lot of quotes.

Why You Need to Get Unemployed Car Insurance

It’s always important to get cover for your car. Without any insurance, you could easily get points on your licence or receive a heavy fine. A good policy will provide you with full protection and let you drive with peace of mind.

Different Types Of Unemployed 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.

Did you know…?

It's important to state that you're unemployed to insurance providers, even if you're only recently unemployed. Lying about your employment status could void your policy further down the line.

Why Getting Unemployed Car Insurance Quotes Is Beneficial

Checkout the compelling reasons below to compare your Unemployed Car Insurance quotes

  • 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.
  • These services don't require commitment or purchase; they can be used as research tools.
  • Operating independently of specific insurers, these sites provide unbiased assessments to help users find the best policy.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.
  • They promote competition among insurers, often leading to better pricing options.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

Optional Unemployed Car Insurance

Tailor your Unemployed 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.

Did you know…?

Your employment status isn't the only thing that affects the cost of your insurance, so you can still get cover at a reasonable rate.

Unemployed Car Insurance - How You Can Keep Costs Down

Follow the tips below to make sure you get the best price for your Unemployed Car Insurance policy!

  • 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.

Compare Unemployed Car Insurance Quotes Now!

This comparison tool is a game-changer when it comes to finding the right car insurance. Here's the drill:
  • First, you'll need to punch in your personal details - they handle data with utmost care.
  • Next, they'll ask for your vehicle's specifics - the more detailed, the better.
  • Then, you should key in your current insurance details - it helps them serve you better.
  • And there you go, specialist insurance providers will soon be in touch with customised quotes.

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Unemployed Car Insurance FAQs

Why does car insurance cost more if I'm unemployed?

Insurance providers always take risk factors into account when coming up with the price for a policy and employment status is one of the major ones. This is why being unemployed often results in higher premiums.

How much more will I pay for insurance if I'm unemployed?

This is hard to say because employment status is just one factor that insurance providers consider. Your age, location, value of your vehicle and where it’s parked will all play a factor too.

What are the best ways to keep cost down?

You can keep the cost of your cover to a minimum by –

  • Parking your car securely
  • Increasing the excess on your policy
  • Getting a third party only policy