high risk car insurance

How Do I Know if I need High Risk Car Insurance?

One of the biggest signs you need high risk insurance is if your insurance premium quotes appear to be very high. Compared to your other quotes, if your car insurance premiums are very high for some reason, then you may need high risk car insurance. On the other hand, there is a chance that your car insurance premiums are a little high because you are getting a bad deal. This article deals with both scenarios.

You are Getting a Bad Deal

For starters, if it has come time to renew, then do not automatically take the first price your insurer offers you. They are going to try to convince you that you are getting a better discount because of some sort of loyalty scheme, but it is just not true. A common trick is to bump up the renewal price with the hopes the insured person won’t even question what is being offered.

Buy online and check your prices online. Really shop around because the high prices you are getting may be a result of poor quality alternatives. Keep looking, and you may find a better deal. If that is the case, then you probably don’t need high risk car insurance.

Do not overestimate your driven miles per year. When you have your car serviced or Smog’d or MOT’d, they show you how many miles were on your clock. Take the time between each service or road tests and work out how many miles you drive per month. It is often far fewer miles than you think.

You Need High Risk Car Insurance

There are several occasions where you will need high risk car insurance. One of the most common is if you have made several claims in the past. It may sound obvious, but if you make frequent claims on your car insurance, then you are a risk to the insurer, and ergo become a high-risk insurance applicant.

Do you have criminal convictions? It sounds like they are discriminating, but if you have a criminal record, then you are a risk for two reasons. Firstly, your vehicle may take part in criminal acts, which often involve damage to other people, items or cars, and often involves you driving to get away from places. Secondly, and more importantly, the insurance company assumes that you associate with criminal elements, who are likely to steal or borrow your car and cause damage.

Have you been disqualified from driving? Again, this is similar to if you make several claims with your car insurance company. If you have been disqualified from driving in the past, then you are a risk because you have a track record for doing the wrong thing, and the insurance company wants you to do the right thing.

What To Do Next

If you are genuinely having trouble getting a good car insurance premium, then you need to contact Mona’s Insurance and see what can be done. Perhaps you are unfairly labelled as a high risk application, such as if you are young and the other insurance companies are punishing you for it. Get in touch with high risk car insurance for a fairer deal and a quote that better reflects you as a driver. 


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