Manufacturers Car Insurance

Information On The Benefits Of Getting A Car Insurance Quote From The Manufacturer

Does the manufacturer of your new or used car provide insurance cover that may be cheaper than a standard quote?

The practice of providing insurance cover begun when car manufacturers realised that they could provide added value to their new customers and provide an extra income from the commissions earned by offering not only finance to buy the vehicle, but also car insurance. This meant the customer could drive their new vehicle away immediately. It was an obvious next step to brand the insurance to the car manufacturers name.

As the car insurance is sold as part of a complete package there may be an opportunity to negotiate further purchase discounts, reduced rates for breakdown cover and for your convenience there is regularly a minimal amount of form filling required. It may also be possible to arrange for zero excesses provided the policyholder is over 25 years old.

The branded car insurance that manufacturers provide is often good value and competitively priced because they have been able to negotiate specific cover options and rates through their ability to guarantee volume sales by leveraging their brand. The car insurance providers use their extensive sales and claims statistics related to drivers of particular makes of vehicle to calculate premium ranges specific to that car manufacturer, and in turn, benefit from being their exclusive provider.

As a result of this exclusivity, car insurance providers are often willing to include features as standard which are usually available only optional extras. These benefits may include: an automatic courtesy vehicle, provided your car is being repaired at the manufacturer's repair centre; all repairs carried out using car manufacturer's genuine parts; a personal claims incident manager who will deal with all the inevitable, post incident hassle for you following one phone call.

If the vehicle is under 12 months old and is damaged under an insured risk, provided you are the first owner and the repair cost exceeds 60% of the list price some car manufacturers insurance policies will replace it with a new one. Some will also consider replacement if the car is stolen within the first year and not recovered within the allotted period.

Many major car manufacturers provide online insurance quotes, amongst them Mini, BMW, Renault, Vauxhall and Nissan.

As a special offer some car manufacturers provide insurance free of charge as part of an incentive package for specific models or at a particular time in a vehicle's sales life.

It may be worthwhile considering insuring through your car manufacturer, especially if the vehicle is new.