What is Direct Car Insurance?

The insurance is exactly what it says.
You go direct to the insurer and buy the car insurance cover directly from the Insurance Company.
Many believe that the benefits of buying straight from the underwriters are that in most cases the premium prices offered will often be substantially less than if a customer took up a quote through an insurance broker .
But quite often this is not so!.
The flipside is that if you buy direct you miss out on the benefits of when you compare car insurance from many companies on for examples a car insurance comparison site.

Many direct insurersare able to make cost cuts in agent fees and lead fees, which many do pass onto their clients with cheaper motor insurance quotes and premiums or advertising ‘offers’ such as offering 12 month’s car insurance for the price of just 10 months, or throwing in some additional cover for free, such as breakdown insurance.
The marketing bribes should always be viewed sceptically by a prospective purchaser of a motor insurance policy.
It’s often the reality that the real costs of the ‘tempter ‘ are hidden elsewhere of the car insurance premiums offered.

With so many different ways to buy insurance available these days it is sometimes difficult to determine whether you are buying your insurance from a direct car insurance company, or not. How do you know that the people you are speaking with are not car insurance brokers?

How to contact a direct Insurer.

Perhaps it is easiest to take out direct insurance by either picking up the phone and calling a number direct insurer that you found in yellow pages. A specialist direct car insurance provider in the UK is Adrian Flux who you can reach on 0800 089 0182

The other method is by searching on the Internet where you can find various alternative types of direct motor insurance companies.

These direct car insurance websites also include suppliers of specialist car insurance and speciality car insurance.

Whichever method you prefer to use to purchase the policy, ensure that you know, whether you are dealing with a direct motor insurance company or one of the many other insurance agents that sell car insurance. If you don’t it could cost you much more than it should!

However you decide to purchase your auto insurance you should always bear in mind what is correct for your particular requirements. You should always make comparative decisions on a like for like basis. If one policy is being offered for a few hundred cheaper than a competitor, you should check carefully the levels of cover in the policy wording, and compare the covers carefully.

You may require specialist help in deciding what insurance are needed.
It is very easy to phone a specialist broker or car insurance company direct and they will be able to explain exactly what they are offering.