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to bloody HATE having to make decisions on what insurance to take for my car?

(9 Posts)
Alliwantisaroomsomewhere Thu 27-Sep-12 13:29:28

I am petrified of making the wrong choice! I have to have cover for childminding and must cover both mine and DH's car.

How can I be sure that I am making the right decision?

ARGH!!!

quoteunquote Thu 27-Sep-12 14:06:03

i love the NFU, they seem to always beat everyone, and if you have to claim they are brilliant.

bureni Thu 27-Sep-12 14:11:00

You will need to have additional cover beyond fully comp that allows you to use your car for your business use or your employers business, this is not an expensive addition usually only £10-£20 more on top of the fully comp.

EntWife Thu 27-Sep-12 14:11:04

use a broker. let them recommend you a suitable policy. then if they make the wrong recommendation they are liable to you for their negligence. simples :-)

WithoutCaution Thu 27-Sep-12 14:18:58

I love finding the right car insurance - I find the quote I like that covers what I want, ring the company to discuss, get extra freebies thrown in at a lower price than the original quote. Then sit back with a cup of tea and a biscuit grin

Alliwantisaroomsomewhere Thu 27-Sep-12 14:41:14

Thanks for the replies! I am worried about leaving out some element of cover that I need.

Quoteunquote, I will try NFU and see what they come up with!

bureni Thu 27-Sep-12 14:44:09

Also make sure your car has proper child seats fitted if you intend to carry the children from one place to another.

Alliwantisaroomsomewhere Thu 27-Sep-12 14:49:25

Bureni, as far as I am aware, the car seats are fitted properly and are "proper" car seats which are age and stage appropriate. I hope that's enough! smile

bureni Thu 27-Sep-12 15:01:42

Alli I had to insure my car with additional "Class A" cover on top of my fully comp as I use my car for work carrying tools and materials, this additional cover only cost £ 10 on top of my normal insurance costs but does not cover me for carrying passengers for "reward or hire" in the normal course of my work. Best to check with your insurance company as regards carrying passengers just to be on the safe side.
To give you an idea of cost, my insurance is £317 per year for a group 17 car with the additional class A cover, thats with max no claims bonus.

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