Car insurance Online from DNA Insurance

We can get you a better deal on your car insurance!

Car insurance is a legal requirement in the UK and if you dont have it, you could be punished with a driving ban or hefty fine. Not to mention you wont have adequate protection for yourself, others and your vehicles if an accident occurs.

So dont be tempted to save money in the short-term by scrimping on your car insurance; you may never need to make a claim but if you do, it will save you a lot of money in the long run.

Our policies can cater for different types of cover and we may be able to help even if you have driving convictions or a modified vehicle, whatever your requirements a tailored policy with DNA can drive down the cost of your Insurance.

Optional Extras

• Breakdown Cover
  Home-start and Roadside assistance!
• Protected No Claims Bonus
  Choose to have protection if you have a No Claims Bonus
• Excess Buyback
  Pay a little extra to recover your excess.
• Gap Insurance
  Finance Protection:
• Additional Windscreen Cover
  Add cover to all policies if not available at a small cost:
• Flexible Payment Options
  DNA help you pay for cover in the best way for you letting you plan your expenses in advance so you are comfortable with making payments:
• 24 Hour Claims Helpline
  Our car insurance team work around the clock always on standby if you need to get in touch, any day of the week:

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What types of car insurance policies are available?

Car insurance is protection for you, your vehicle and third parties in case anything happens.

Theres no one-type-fits-all car insurance policy. So, shopping around for the best one for you will help determine which type of policy you need.

Take some time to get to grips with the different levels of cover and youll be more likely to find a policy that fits your specific circumstances.

There are three main types of policies available:

Third party cover

The most basic type of car insurance policy is third party cover and the least amount of cover required by law.

Third party only policies will cover the cost of damage to other peoples vehicle and compensation for any injuries they sustain.

However, it will not cover the cost of damage to your own car.

Some drivers opt for this type of policy in a bid to keep costs down but in reality its best suited to people who drive an older (low-value) car.

Third party, fire and theft

Third party, fire and theft policies offer an extra level of cover for motorists.

In addition to what is offered by third party only policies, your car will be protected in case it is stolen or burnt out/damaged by fire.

It does not protect against every risk your vehicle may be exposed to, but it does provide an additional level of cover in case of fire or theft. So if fire or theft occurs, you wont be hit with a huge financial burden and left without a vehicle.

Fully comprehensive car insurance

Choose a fully comprehensive car insurance policy for the greatest level of protection.

On top of everything that third party only and third party, fire and theft policies offer, comprehensive cover also protects your own vehicle in the case of an accident.

Not all comprehensive policies are the same so its important to research what each one offers.

Some will include overseas cover or allow you to drive other vehicles, while others will only offer such features as optional extras.

If youd like us to help you choose the best policy for you, call us for free on 0844 573 2400.

How can I lower my insurance premiums?

• Installing security devices such as an alarm or an immobiliser will make your car harder to steal or break into, and will show insurers that your car is a lower risk.
• Keeping your car in the garage or parked on the drive instead of on the street will also help lower your premiums.
• Make sure your policy enables you to build up a No Claims Bonus and if youre buying a new car, choose one in a low insurance group.
• A great way to lower your insurance costs is to research what insurance group your car is in before you buy it. That way you can find out how much you can expect to pay in the long run.
• Opt for a black box policy (not available through every insurer).
• Setting a low mileage limit to your policy.
• Ask an insurance broker to customise your very own policy and negotiate the price on your behalf. Start with an online car insurance quote from DNA.

 What is a No Claims Bonus?

A No Claims Bonus is a reward for not making a claim on your policy.

The longer you havent made a claim, the bigger the discount you will receive on your premiums. The discount increases year-on-year and can usually be carried over to a new policy if you change insurers.

You can also pay a slightly higher premium in order to protect your No Claims Bonus. This means you can make a claim without losing your discount but its important to remember that a protected No Claims Bonus may not be honoured by a new insurer.

What is an insurance group?

When you purchase a car insurance policy, the amount you pay will be influenced by your cars insurance group.

Every new car in the UK is assigned to an insurance group from 1 to 50 and this represents how much it would cost an insurer per claim.

Factors such as the cost of spare parts and security features are taken into account and the lower the insurance group, the cheaper your premiums will be.

Car insurance for young drivers

Its a well-known fact that young drivers are faced with some of the highest insurance premiums around. This is because insurance companies consider them to be a higher risk than older, more experienced drivers.

The higher the risk, the higher the premium but this does not mean its impossible for young drivers to get a good deal on their car insurance.

At DNA Insurance we understand the importance of shopping around to find a good deal and our expert insurance advisors will help find the perfect policy for you.

Whether that includes installing a telematics black box device to monitor how the car is driven, well do all we can to find you a policy you can afford.

Can I get car insurance as a convicted driver?

Yes.

It may be more difficult and more expensive to get an insurance policy as a convicted driver but its not impossible.

A convicted driver is anyone who has been convicted of a motoring offence such as drink-driving or even a minor non-motoring offence.

However, at DNA Insurance well work hard to find insurance for convicted drivers and help lower their premiums. Well explore different ways to lower their premiums, such as installing black box insurance and setting mileage limits.

How to apply for car insurance

We know that theres a lot to consider when looking for a new car insurance policy. Thats why its useful to go to an insurance broker who can help you compare policies from many different insurers and find the right one for you.

At DNA Insurance, our advisors compare all the policies on the market to help find one that fits your personal circumstances. Give us a ring on 0844 573 2400 to find out more.

If its easier for you, get your car insurance quote online by clicking here.