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Online computer-generated quotes can be quick and convenient but they can also be very costly — if you’ve received an excessive motor insurance quote, you should think about consulting a trained insurance broker.
According to experts at Adrian Flux, one of the country’s largest independent insurance intermediaries, getting properly underwritten by an experienced broker will almost certainly reduce the cost of your motor insurance quote.
A phone call will almost always save you money
Unlike a computer, which has a fixed script of questions and churns out a standard quote depending on your answers, if you actually make a call to a broker it can help you save money. Your car and your driving experience will be taken into consideration to tailor an exclusive motor insurance quote to meet your precise needs.
Whatever level of cover you need, fully comprehensive, third party, fire and theft, or third party only, each risk is individually calculated in order to find the best deal for you.
Adrian Flux has a panel of more than 40 insurance providers to consult and find you the best deal.
And that deal will almost certainly be cheaper over the phone by talking person-to-person with an underwriter — 79.4% of customers receiving an online quote in September 2018 could have obtained a cheaper motor insurance quote if they had called (based on the information they provided).
Ten ways to save on your motor insurance quote
Brokers at Adrian Flux can also advise on ways that you can save even more money on your motor insurance quote. You can earn a discount on your premium by:
- Transfering your no claims bonus
- Agreeing a realistic limited mileage deal
- Having a more experienced driver named on your policy
- Telling us about your car club membership
- Fitting a dashcam
- Fitting extra security such as a tracker and alarm
- Being organised, the earlier you shop for insurance, the bigger the savings
- Making sure you are on the electoral roll, anti-fraud databases use this to make sure you are who you say you are, and you live where you say you live
- Buy a car with a crash mitigation device fitted
- Agree to a voluntary excess
Struggling to find cheap motor insurance quote for “high risk” drivers?
Adrian Flux also offer great value rates for customers who can struggle to find cheap car insurance rates, including:
- Young and learner drivers
- Mature drivers
- Convicted drivers
- Drivers with ‘high-risk’ occupations
- Drivers of performance cars
- Imported or modified vehicles
Why choose Adrian Flux for your motor insurance quote?
There are many benefits and optional extras with a tailor-made Adrian Flux motor insurance policy. Here are just a few:
- Free legal cover
- Agreed value cover
- Laid-up cover for restoration projects
- Cover for modified cars
- EU breakdown cover
- Total loss insurance
- Personal accident cover
Try Adrian Flux and you won’t be disappointed
Eighty six per cent of Adrian Flux customers described their experiences of dealing with the company as either “Excellent” or “Good” on TrustPilot, the consumer review website.
One reviewer described the “ superb service and knowledgeable staff” while another described the “straight forward advice and highly competitive” motor insurance quote.
A third reviewer spoke of the “impressive service” in a very competitive market and said he had been given “an excellent explanation of the options open to me to provide the most suitable cover for my requirements at the best price”.
We use common sense to construct a sensible motor insurance quote
Adrian Flux general manager Gerry Bucke said: “It’s not unusual for computer rates to churn out premiums that could make your eyes water.
“Yes, the computer-generated quote is quick and convenient but there is no flexibility. They cannot use common sense or consider an insurance client’s circumstances to construct a sensible quote.
“When you’re talking big premiums, those over £2,000, it’s best not to let the computer do the talking. Instead, get an experienced underwriter to evaluate the true risk posed by you and your vehicle and come up with a sensible motor insurance quote..
“If you do, you won’t be sorry. A skilled underwriter will almost always save you money on your insurance premium.”
Phone Adrian Flux on 0800 369 8590 for a quote or request a free call back at a time that suits you.