Benefits of using car insurance apps on your phone

Looking for your next insurance quote, you’ll find that there’s a number of comparison sites online. These will usually be your best bet if you’re trying to find the best deal and, even if it does seem like a bit of hard work, it’s worth it when you renew. Why? Well, because insurers depend on you being a bit lazy.


As an example, in your first year of insurance cover, you might get a really good deal. However, when it’s time to renew, they might send you an email or letter telling you about an inflated renewal cost. Usually a quick call to them will make this renewal cost drop, but if it doesn’t you’ll need to start looking around. That all seems like a lot of work, and a large amount of people just run out of time, forget or don’t bother. The direct debit carries on and, if you look at a monthly payment, it seems like a small amount.

However, it’s not. Saving a couple of hundred per year is a big deal. You’re setting fire to your money if you simply ignore the renewal. However, it’s not just through websites and comparison portals. You can grab apps to help with your search too.

What are the main benefits?

When it comes to car insurance apps, there are many different ones you can choose from. Navigating your way around all aspects of car insurance can be confusing, difficult, and time-consuming. However, you can make life far easier on yourself by using some of these car insurance apps on your smartphone. Some of the major benefits you can look forward to include..

Finding the best deals

As mentioned, there’s lots of comparison companies and they’ll make it much easier for you to find the best deals on your car insurance. By using apps from car insurance comparison providers, you can do this quickly, conveniently, and easily from wherever you are. Many people save a small fortune on the cost of their car insurance by using apps that allow them to compare plans and prices, and it is a great way of getting insurance at an affordable price.

Updating your details

A lot of apps will save your details, and this can be a great time-saver when you’re shopping around. The main problem with looking at insurance is remembering everything – when did you have that accident? Who was the last insurer? How many years no-claims do you have? When was that speeding fine? Apps and comparison sites will remember all these tiny but important details – so although you’ll have to still dig them out – you’ll only have to do it once. Then, next year, you just get back in, pull out those details and off you go.

Of course, if there’s anything that needs to be added (such as a claim you made in the last year), that can be done – it just needs to be done the once, and it’s only the updated bits you need to worry about.

Dealing with claims

OK so yes, you might need to deal with this. It’s never something anyone wants to do and, if you are involved in a car accident, you will already be under a lot of stress. The last thing you need is to jump through hoops trying to sort out your claim with the insurer. Many insurance providers are adding apps to help with this – and you don’t need to spend hours filling in paperwork or drawing pictures. You can sometimes just snap a photo and do the rest in one central app – you’ll be able to track your claim, provide additional information and so on.

Contacting your provider

With many more insurers now available and costs being reduced, some insurers remove or reduce call-centre staff. Instead you’ll get an app with either a live-chat system or an email interface so that you can send messages. As this is again wrapped in an app and you’re logged in, it’ll send all your details across to them (policy number, registration plate etc) and they’ll be able to access the necessary bits without any lengthy checking. Although a lack of phone contact can seem like a bad thing, there’s benefits as you’re not left in a queue, you’re not having to go through checks and you’re not having to dig out some random policy number that you’ve probably forgotten.

The modern way !

Another benefit is the fact that the days of paper documents are over. You can get your policy emailed to you and you have that evidence to hand wherever you are. It’s the immediacy and the simplicity that is key, and the days of having big folders stuffed under your sofa – filled with paperwork – are definitely gone.

Some other apps will also run whilst you’re driving – measuring your GPS and G-force details to check your driving style. You can earn discounts with some of these, purely by the app measuring and recording your driving style.

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