Things to consider when applying for insurance online

By Toni

Whether you are hoping to insure a car, house or a set of antiques, you’ll be keen to get a comprehensive level of protection. As is the case with many things these days – from buying DVDs to transferring money between bank accounts – you can easily search for and take out insurance online.

Doing so can offer many benefits, among them the fact you’ll be able to apply for cover at any time of day or night, meaning you don’t have to wait for an insurer’s call centre to open before you can ring them up for a quote. If this is something you are thinking of doing, however, it is important to get a level of protection that is right for your needs. Here are some of the things you ought to consider.

Standard of cover

Regardless of what item, or items, you want to protect, ensuring you get a sufficient standard of insurance is imperative.
To be sure of doing this, you ought to provide as much information as possible about what you want to cover. If you’re getting home insurance, for example, this means you will have to highlight whether your property has a history of flooding and what security measures are in place. Those wanting to get cover for a car, meanwhile, ought to set out details such as annual mileage and the engine size of their vehicle. So, make certain you have the relevant paperwork close to hand before sitting down to your computer and applying for cover.


As is the case with virtually any purchase you make, when it comes to insurance you’ll want to pay the best possible price. It would, however, be a mistake to assume that the lowest-cost policy will always be right for you. Not all insurance products are the same, so it might be that just a couple of pounds more a year gives you a much more substantial level of cover.

Many people use price comparison sites to establish what a reasonable price for the insurance they are hoping to get is. After all, nobody wants to take out a contract only to find a few weeks later that there are cheaper alternatives that offer the same standard of cover available elsewhere. It’s also worth remembering that not all insurance companies have a presence on these sites, so, to be sure of getting a good deal when seeking cover online, you ought to contact a firm directly.

Using price comparison sites can be a good way to establish what a fair price is, but the firms that appear on them typically do not provide cover for high net-worth assets, such as fine wines or antiques. In such cases, it’s worth getting in touch with Insurance brokers. By speaking to an organisation that arranges comprehensive insurance for high net-worth assets and sources cover from a range of specialist insurers – you can be sure of paying a fair price for financial protection.

Ways to get in touch

As mentioned before, one of the great things about applying for insurance online is that you can do it at any time of day wherever you are, be that at the home or the office. Of course, there will be times where you want to speak to someone, especially if you have particular requirements, so you should look into whether a broker has a callback service. That way, an expert can give you a call to discuss your needs at a time that suits you.

Most companies also have a presence on social networking sites such as Facebook and Twitter, which can be a handy way to get in touch if you have any queries about your cover.

Have you taken out insurance online in the past? If so, why not share your experiences of doing this by leaving a comment?