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The Problem of High UK Car Insurance Premiums

Anyone that’s tried to insure a car elsewhere in Europe is sure to have found a huge difference in prices. Invariably, UK car insurance always comes out more expensive. But why is that, and is there anything that can be done to get around it?

UK car insurance is often more expensive because of the different insurance rules involved in each country. Elsewhere in the EU you’re often able to insure the car alone, meaning that as long as you have the right papers and insurance in place anyone can drive it. In the UK, however, you insure the driver as well as the vehicle, but you’ll often be able to get much more comprehensive cover as well.

But, as is often the case between different countries, sometimes you simply have to pay more for a similar level of cover and there may not be any obvious reason behind it. So how can you avoid paying such high insurance premiums?

Unfortunately there’s not a lot you can do to get around it. The fact remains that if you want to drive a car legally in the UK you need to get adequate insurance, and that often means you’ll be paying more than in the rest of Europe. But, if you make sure to shop around, you should be able to drive down the prices to something more reasonable.

Every insurance company will be able to offer different policies at different prices, so always spend the time to check. You could do this on your own, or to save yourself the hassle you could always check price comparison sites to find even better deals.

This will be the best way to avoid the often incredibly high insurance premiums that you can be faced with in the UK, and by shopping around you’ll be able to get the best you can for your money. You might also want to consider increasing your excess or going for a more basic level of cover instead of a comprehensive policy, and as long as you’re getting everything you need you shouldn’t have a problem.

So, although UK car insurance policies can often be expensive, there are things that you can do to reduce those premiums. Insurance is an unfortunate fact of life and while we may begrudge paying for it now it could well help us out later on, and if you remember to always do your research and find the best deals you can avoid breaking the bank.

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