Toyota Insurance

Comprehensive car insurance gives you the best protection. It covers: 

• Damage to your car from accidents 

• Theft 

• Fire damage 

• Vandalism 

• Third-party liabilities 

Many people assume full coverage insurance is the most expensive option, but that’s not the case. Our latest research reveals third-party policies now cost 73% more than fully comprehensive car insurance for an average driver. This means you should always compare all your choices before you decide. 

Third-party only insurance meets the minimum legal requirements in the UK. It covers: 

• Damage to other people’s property 

• Injuries to others in accidents you cause 

The main drawback of this insurance is that it doesn’t cover damage to your own car. 

Third party, fire and theft car insurance covers third-party liabilities and adds protection for your car against: 

• Theft 

• Fire damage 

It’s often thought of as middle ground in terms of cover – it’s a notch above third-party giving you extra peace of mind without the full coverage you get from fully comp.  

Toyota drive home insurance offers short-term protection to allow you to drive your new or pre-owned Toyota from the dealership to your home. This handy option makes sure you have coverage from the moment you buy your car. 

Driving fewer miles each year can cut your insurance costs. Insurance companies often give discounts for lower mileage because it cuts down on accident risk. Keep good records of your mileage to make sure you’re not overestimating. 

Adding extra security features could deter thieves and reduce your insurance expenses. Examples of security upgrades can include: 

• Alarms 

• Immobilisers 

• Tracking devices 

Don’t forget to check with your insurance company about any discounts for security upgrades before you invest in these changes. 

Changes to your Toyota can make your insurance more expensive. Aesthetic modifications can entice thieves or even vandalism. While performance enhancements can increase the likelihood and severity of accidents on the road. 

Adding an experienced driver to your policy can potentially reduce your premiums, especially if you’re a young or new driver. Just make sure that the named driver regularly uses the vehicle to avoid ‘fronting’, which is illegal and could invalidate your insurance. 

Paying your insurance premiums in one go instead of monthly can often lead to a discount. If it is affordable for you, this option can save you a lot over the year. 

Picking a higher voluntary excess can cut your premiums. Just keep in mind that a higher excess means you’ll pay out more if you have to make a claim. 

Shape your policy to include just the cover you need. This can help you avoid paying for extras you don’t want. Look over your policy each year to check it still fits your needs. 

Using an insurance comparison site lets you look at quotes from many insurance providers, helping you find the best deal. You could save on car insurance when you compare with Quotezone.co.uk.