| Often these large aggregator sites fail to provide a | | | | insurance, knowing they are non-standard risks, |
| reason for why they cannot cover your car. Some of | | | | grateful to have found somewhere that can cover |
| the better ones will provide a telephone number where | | | | them. Many mostly through inertia, laziness or a |
| you can repeat the quotation process over the phone, | | | | misguided loyalty bordering on Stockholm syndrome, |
| however with these type of companies you still run | | | | continue to pay over the odds for car insurance |
| the risk of failing to obtain cover even if you talk to | | | | premiums, failing to realise that an hours work |
| them direct. | | | | searching for alternative cover online, could make them |
| Most Car Insurance companies that offer quotes on | | | | hundreds of pounds or dollars in premium savings. |
| standard comparison websites, have very strict | | | | There are two overall reasons or factors that make |
| underwriting criteria that the risk, that is you and your | | | | someone a non-standard risk, these being, you as a |
| car, must fit into to be offered a quote from the online | | | | person and the car you drive. |
| computer system. This is the case for nearly half of | | | | The risk price you pay for your car at a comparison |
| the UK population visiting a major motor insurance | | | | site, is largely determined by the risk group assigned to |
| comparison website. | | | | the particular make and model of the vehicle. Every |
| What those who purport to compare the market often | | | | car in the UK is assigned to a risk group for rating |
| fail to tell you when you start to apply for cover, is that | | | | purposes from one to twenty, twenty being the |
| if you do not fit into the type of risk that they are | | | | highest risk, typically high performance expensive fast |
| looking for, determined by the answers that you give | | | | sports cars. The higher the risk group the more you |
| when you fill out the application or proposal form, that | | | | pay. Many online insurance comparison systems |
| you will have been wasting your time! | | | | exclude high risk groups above fourteen for certain |
| Many people searching online for various motor | | | | combinations of factors and will fail to quote. |
| insurance covers, come away disappointed at not | | | | Additionally any changes or modifications to a standard |
| being able to insure their car or vehicle, as quickly and | | | | car, will change its risk group and may result in a failure |
| as easily as was suggested on the television advert, | | | | to quote online. Age of a vehicle whether it be a |
| because the comparison company failed to mention | | | | specialist classic car or a brand new motor will |
| that if you cannot tick all the boxes on the form, you | | | | seriously affect the risk price and may lead to |
| are a non standard risk. | | | | exclusion from the quotation process. |
| Many more customers that the mainstream car | | | | Although the majority of cars are standard, people are |
| insurance comparison sites fail to satisfy, then take up | | | | not. Variations in human characteristics account for the |
| first quote they are offered from another source, even | | | | main reasons people fail to get quoted from a |
| if it is very expensive, because they fear they will not | | | | standard car insurer. These can be age and gender |
| get cover elsewhere. | | | | related, where you live and what you do for a living. |
| Car insurance companies employ people called | | | | Many occupations will exclude you from online quoting |
| actuaries who constantly check statistics and data to | | | | and certain providers offers specialist schemes aimed |
| come up with rates for various risks. | | | | at differing age groups. Theft rates for the area you |
| The actuaries and the underwriters set the risk rates | | | | live in may also result in a decline to quote . |
| for certain groups of people or car combinations. | | | | The solution to the above problems in trying to obtain a |
| Consequently many people who do not fit the | | | | reasonable car insurance quote, is to visit a specialist |
| standard that the actuaries and the underwriters want, | | | | broker or motor insurance underwriter. They will have |
| find themselves either completely excluded from the | | | | individually designed specialist car insurance schemes |
| quote process or given a quote offer that is so | | | | to cater for all those nuances that the comparison |
| expensive, that the risk in question will not take out the | | | | sites decline to quotes for. Furthermore because the |
| cover, and does not enter and threaten the value of | | | | risk quoted for is the actual risk and not a grouped risk, |
| the existing risk pool. | | | | you may well find a lot more change in your pocket |
| Others continue to pay over the odds for their car | | | | than if you had visited a standard mainstream insurer. |