While motorists now have the ability to compare car insurance for thousands of policies online in mere seconds, simply selecting the cheapest alternative could become a costly headache in the long term, cautions NFU Mutual, one of the leading rural insurers in the UK.
Motor car insurance policies have a great deal of differential, NFU Mutual said, and unfortunately it is common that a policyholder will only face discovery of just how much cover they actually have in the event on submitting a claim against their policy.
The insurer wanted to express their sympathy to motorists who are endeavouring to find reasonably affordable premiums, but urged consumers to check very carefully exactly how much cover is included in an attractively discount car insurance policy before making any commitments to something that might prove less than beneficial in the future.
NFU Mutual agent Jeremy Parker expressed his concern regarding customers cancelling their current policies due to a more attractive premium elsewhere only to discover that the cheaper policy does not meet their needs in regards to customer service or the level of cover, stating that many motorists come to NFU Mutual for advice simply because they have questions about an advertised product over the phone or online.
Mr Parker related how one couple had discovered that thanks to neglecting to tick one box, they had no courtesy car after they were involved in an accident, and how another gentleman was quite distressed when the police informed him that his policy, which he had intended to take out to cover business use, only provided cover for domestic, pleasure, and social use.
NFU Mutual, one of only 21 per cent of car insurers that choose to provide Uninsured Loss Recovery as standard ,was recently voted one of the best car insurance companies in the UK for its fifth consecutive year by the readers of Auto Express. In comparison to other companies, 28 per cent do not provide ULR cover in any shape or form, while at 51 per cent, the remainder offer URL, but as an optional extra at an additional charge.