The role of the Direct Car Insurance Company

What is Direct Car Insurance? Well it is exactly what it is, Direct , you arrange the policy and purchase  the policy direct from the Underwriting Insurance Company .
The perceived advantages of buying Direct are that in most cases the quotes offered to you will often be cheaper than if you bought through a middleman, though often this is not the case. .The flipside is that if youbuy direct you miss out on the advantages of when you Compare Car Insurance from multiple providers.

Almost all   companies that sell car insurance direct are able to make cost cuts in middleman charges and lead fees , which many do pass onto their customers in discounted premiums or marketing ‘ offers ‘ such as offering a years cover for the cost of ten , or throwing in some more covers for free, such as personal accident cover .
These marketing ploys ought to be looked at sceptically by the person thinking of buying a   policy , as it’s often the reality that the costs of the ‘ marketing offer ‘ are absorbed within the base rates  in the car insurance premiums offered .

With so many different ways to purchase car insurance available today it is sometimes difficult to work out whether you are buying your motor insurance from a direct seller , or not. It is quite possible that the company you are speaking with are not Car Insurance Agents ? 

There are basically two ways to contact a Direct Car Insurance Company

Perhaps it is easiest to buy direct cover   by either picking up the phone and diallng a car insurance company that you found in yellow pages. A specialist direct company in the UK is Adrian Flux who can be reached direct on 0800 089 0182 

Alternatively by shopping on the World Wide Web where you have access to many alternative types of  Direct motor insurance sellers .

These Direct Car Insurance sites also include providers of Specialist Car Insurance and High Performance Car Insurance.

Whichever method you choose to finally buy your car insurance, make sure you understand , whether you are dealing with a direct motor insurance company or one of the many other middleman that sell car insurance . If you don’t it could cost youa lot more than it should !

However you decide to purchase your car insurance it should always be with what is right for your particular circumstances, in mind. you should always make comparative decisions on a like for like basis. If one policy being offered a much cheaper than a competitor, you should check carefully the levels of cover in the policy wording, and compare the differences.

You may require help in deciding what insurance you need –  phone an intermediary or car insurance company direct and they will be able to tell you exactly what the costs and covers are .

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