July 3, 2016 If you are an existing Nationwide main current account customer, you can benefit from a Â£30 introductory discountâ on our car insurance when you get a quote online using the button below. Most policies have two separate excess amounts. One is set by the insurer and is an integral part of the policy. The second is one that the driver may set themselves. To reduce their premium a driver could opt to set this excess higher, but it does mean they tend to pay more out of pocket if they have to make a claim. And since the excess has a mandatory per-policy component, there could be an excess to pay on every claim regardless of how high the voluntary excess is set. Most kinds of insurance are optional, but car insurance is one of the few that is required by law. If a car is driven on the road, it must have car insurance according to UK law. The only exception is if a car has a Statutory Off-Road Notice, which means that by law the car can’t be driven on the road, but also doesn’t require insurance. A. Yes, you can add Motor Breakdown cover for an extra cost. This cover is provided by Aria Insurance Services Limited. You’ll be covered for roadside assistance, vehicle recovery, and you’re even coveredÂ at home if your car won’t start. Visit our benefits page to find out more about other policy features which could be valuable to you. To obtain a quote, fill out our simple-to-use forms with your basic personal details, plus information on the vehicle to be insured and the drivers you want on the policy. Many insurers offer black box policies. These involve a small device being fitted in your vehicle that tracks various things like your speed, breaking and mileage. The better and safer you drive with a black box, the cheaper your cover will be. If you have comprehensive cover, then windscreen cover is included. We cover the windscreen, sunroof and the remaining windows. And your no claims discount is not affected by a windscreen claim. This covers the reimbursement of a policy excess you have to pay following an accident, although please note that windscreen excesses are not included. You can claim as many times as required up to your chosen coverage limit of either Â£300, Â£500 or Â£750 for each excess paid. That quote should still be valid even if you get another quote nearer the time and the price has gone up; however, the price is fixed subject to you not changing any of your details. Car insurance is expensive but no matter how tempted you are to say someone else is the main driver, or to pretend you have no points on your licence, never lie. This means comparison sites, while useful for benchmarking, don’t do the trick. First, try a couple of specialists, then see how prices from the comparisons stack up. The unit simply plugs into the 12v power socket (sometimes referred to as the cigarette lighter) which is normally found on our dashboard or in the central console of the car, within easy reach of the driver’s seat. Full instructions are included with the unit, and a video guide can be seenÂ here. If you don’t have a job, you face a potential fivefold jump in insurance costs by declaring you’re unemployed. The same hikes don’t apply to homemakers (housewives/househusbands). If that’s you, say so to avoid a hike in costs. Legal expenses are covered if they arise as a result of compensation claims made as a result of a vehicle-related accident. The cost of car insurance for under-25s is dropping fast but it’s still eye-watering for some. The average price for a 17-22 year-old is Â£1,271. But there are many ways to help cut this cost, including getting specialist young drivers’ insurance. For more information see our Young Drivers’ Insurance guide. If you make a claim following an accident that is not your fault, and the driver of the other vehicle is not insured, you will not lose your no claims discount or have to pay any excess. Courtesy car cover provides you with a replacement vehicle while yours is off the road, if you’ve had an accident or need to make a claim. There are different levels of courtesy car cover – some will only cover you if your car can be repaired, while others will cover for complete write-offs, or if your car is stolen. Please call us on 01480 484826, providing us with all vehicle details, so we can offer you a great multi-vehicle quote. The longer you go without incident, the more you’ll get discounted from your policy. Generally, this is up to a maximum of five years, by which point you can expect a reduction of up to 75% from your premium.