Buying guides


Before you drive your car away, buy the right insurance cover for you

Once you've bought your car you'll need to make sure you're properly insured before you drive it away. There's a huge number of things to consider when buying insurance; the key thing is to shop around to make sure you get the best possible deal.

The obvious place to start is an online price comparison website, but some of the best-value insurance companies don't sign up to these sites so you can sometimes get a better deal elsewhere.

Don't focus too much on the premium you're paying though, as there are lots of other considerations too. These include:

How much will you have to contribute in the event of you making a claim. It's typically £100-250.

Is it included, how comprehensive is it and are you covered if you take your car to mainland Europe?

If you're taking out comprehensive cover on your own car, will you automatically be covered to drive other vehicles, albeit on a third-party only basis? As long as you've got the permission of the other car's owner, you'll never have to worry about driving uninsured.

Will any legal advice or fees be covered, in the event of you incurring any uninsured losses?

In the event of your car being out of action, will your insurer provide you with alternative transport while it's being fixed?

HPI works with Lloyd Latchford, which offers a wide range of policies for car, caravan, truck and van owners. As a broker rather than an under-writer, Lloyd Latchford can find the best deal for you from a wide range of insurers.