When you should
talk to us

I've had many accidents. How can I get a proper car insurance comparison?

With an accident history, each insurer applies different surcharges and underwriting standards, so prices can vary widely. DIRECT237 compares both whether each company will accept you and the premium, based on the number and nature of your accidents. This does not show up on simple price-comparison sites, so expert advice is needed.

Can I still get insurance if I was declined because of accidents?

Even if one insurer declines you, another company may accept you. Each company has its own loss-ratio and underwriting criteria. DIRECT237 finds insurers that will accept you through underwriting consulting and multi-vehicle single-policy planning.

What happens to my insurance if I change a commercial vehicle to personal use?

Changing a vehicle's use from commercial to personal changes the type of insurance itself, so the premium and the way your driving experience is recognized change as well. The outcome can depend on the timing and the order of the steps, so it is best to get advice before changing the vehicle's use.

How can I get commercial car insurance at a lower price?

Commercial (business-use) car insurance has stricter underwriting than personal insurance, and premiums vary widely between companies. Some insurers do not offer commercial quotes online at all. DIRECT237 compares the insurers that can quote commercial vehicles and guides you to the one that fits your conditions.

I'm buying a car and want to compare premiums depending on whose name it is registered in

Whose name the vehicle is registered in makes a big difference to the premium and to how driving experience is recognized later. It is a good idea to compare the premiums for registering in your own name, your spouse's or a parent's before deciding. It is hard to undo after registration, so we recommend a consultation before you buy.

How do I get my driving experience recognized when buying a car?

Driving-experience recognition must be requested when you take out the policy, and there are set requirements. Even if it is your first car, having previous driving experience recognized, such as time as an additional driver on a family car, can lower your premium significantly. What counts depends on your situation, so check before you sign up.