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Is December the most expensive month to insure your car?

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December 16, 2020
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It’s often slated that December can be the most expensive month to insure your car, but is that really correct?

Drivers who insure their cars in December may pay more than 15% more than those who insure in February, the cheapest time of year, research by MoneySuperMarket found.

However, December does not need to be more expensive than any other month of the year when using an insurance broker. Going through an insurance broker is a great way of ensuring you are still getting the best price possible for your vehicle no matter which time of the year you need a policy.

The reason why some insurers may increase the price at the end of the year is to reach annual targets or potentially because people are less likely to shop around due to the time of year.

However going through a broker such as Adrian Flux, will guarantee you are not ripped off and they will shop around to get you the best deal possible.

Adrian Flux General Manager Gerry Bucke said: ‘At this time of year, a lot of people are spending more with Christmas on the horizon, so it’s worth trying to avoid paying for a more expensive insurance policy too. Using a broker like Adrian Flux means we will do the shopping around for you to look for the best price, leaving you more cash for the festive shopping!’

So what is an insurance broker?

An insurance broker is a professional company regulated by the Financial Conduct Authority (FCA) and it’s prime function is to help clients find suitable and cost effective insurance protection. Brokers act as an agent of the client and represent their best interests.

Why use a broker rather than a comparison site?

On the comparison site you will search for your insurance using a set of questions on a website. When you contact an insurance broker you will be talking to a real person who will take the time (but not too much time) to learn about your personal circumstances in order to find the best policy for you.

Comparison sites tend to offer generic policies, it’s a one size fits all scenario, whereas a broker will know where to find a policy that is a better match for your individual needs.

Computers on price comparison sites cannot make judgement calls, an insurance broker on the other hand can use common sense and make sensible decisions.

Adrian Flux specialises in bespoke motor insurance and buildings and contents insurance. To discuss your needs with an experienced insurance broker call 0333 256 8532 — our best deals are always available over the phone — or book a call back at a time that suits you during office hours.

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