Those wanting to keep their car insurance premiums stable should consider any car parts and modifications added to their vehicle, according to an expert.

Head of technical services at the British Insurance Brokers’ Association Peter Staddon commented on a recent Defaqto study that showed a general increase in cover prices had occurred throughout 2008 and so far in 2009.

He said people should consider what insurance band their motor is in, the type of car they drive and any changes that have been made to it – aesthetically or performance-wise.

Also recommended was contacting the current insurance broker, "then look at [your] no claims bonus and see what they can do to protect it".

Mr Staddon also encouraged consumers to use price comparison sites wisely and make certain they are buying the right type of cover.

To do this they should concentrate on what the product actually provides, rather than how cheap it is.

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