You are required by law to have adequate insurance cover for your car. Before buying it's sensible to get a few speculative quotes, to see how much insuring your chosen car is going to cost you.

Choose the right type of Policy

Comprehensive cover is the most expensive route, but covers you for accidental damage to other people and their property, and damage to your own car and things inside it - even if the accident is your fault.

It also covers you for theft, with most policies offering additional services like cover for broken windscreens. Comprehensive policies usually include medical and personal accident cover too - but check the small print.

Third Party covers damage to other people and their property - not damage to your own car. Third party cover is cheaper than comprehensive, so if you have an older low value car, or don't cover many miles, why go to the expense of all-encompassing cover?

Save money on your car insurance
Solicitors Costs
Many solicitors now agree to pursue cases on a ‘no win no fee’ basis. Under the agreement the solicitor will agree not to charge you if the case is unsuccessful. If the case is successful, the bill will be passed onto your opponent’s insurer. Your opponent will only have to pay your 'reasonable costs', and it is worth asking your solicitor to guarantee any costs not paid by your opponent will not be deducted from your compensation.

Claims Management Company
If you don’t wish to approach a solicitor directly, you can contact a claims management company. They will approach a firm of solicitors on your behalf ensuring they have the proper experience to deal with the claim.

Acting for yourself
If you’re injured in the accident, or wish to claim for expenses in excess of N1,000,000 it is not recommended that you act for yourself. However, if there is no injury, and your expenses are relatively low, you may bring a claim in your local County Court under the 'small claims procedure'.