Car and Motor Insurance
Jump to - Fully Comprehensive Cover : Third Part, Fire and Theft : Third Party Only
It is illegal to drive in the UK without insurance and finding the right deal from numerous UK car insurance companies can prove to be an overwhelming challenge.
What type of car insurance is right for you? There are different types of cover you can take out.
Comprehensive Cover
This sort of policy covers:
- Damage to your car and any other car in an accident reguardless of whose at fault
- Your vehicle if it is stolen or if it is damged by fire
- Wwindscreens should they get damaged
- Personal belongings in the vehicle, car stereos etc.
- Personal Injury should you be injured in an accident, if a claim is made against you following an accident then you are also covered by this type of policy.
This type of comprehensive cover is going to be far more expensive than Third Party cover but it can be worth that extra security.
Third-Party Insurance
Third-party insurance is the cheapest and minimum cover needed to drive legally in Britain. It covers you against claims or costs arising if you cause death or injury to someone, or damage to someone else's property. It is probably only worth having this sort of Insurance cover if your vehicle is of no great value.
The dissadvantages of third party insurance are :
- If you cannot claim from any others driver’s policy if you are involved in an accident, then any damage to your car will have to be paid for by yourself.
- Some insurers will not offer this type of minimum insurance.
- Should your car be stolen or damaged by fire then you will not be able to make a claim as this sort of policy does not cover such events.
Third Party, Fire and Theft
There is another less expensive option to Comprehensive cover and that is Third Party, Fire and Theft.
- You will be covered for any fire damage and you are covered should your vehicle be stolen.
- Should any one make a claim against you after an accident you are covered.
- However should your car be damaged in an accident and you are unable to claim from any other driver’s policy, then you will have to pay for the repairs out of your own pocket.
Things to Consider when taking out car Insurance
When you are searching for a competitive Insurance quote then consider some of these questions when looking at comparisons:
- Will you get a courtesy car whilst yours is off the road?
- What are the maximum claim limits for different types of claims?
- Are personal belongings left in the car covered by your policy?
- What exactly is the excess that you will have to pay yourself?
- Should you choose to travel abroad will you car be covered?
- Do you get a no claims discount after a year?
- Do you wish to include breakdown cover in your policy?
- Will your insurance cover other people to drive your car?
