Car Insurance Guide

Read on for answers and information about Choosing The Best Car Insurance, including What Is Car Insurance? What Is It For? What Car Insurance Policy Should I Choose? And How Can I Save Money On My Car Insurance?

Car Insurance Explained

Car insurance is a type of insurance which provides protection for accidents, fire, theft or damage to your car.
As well as financial provision, car insurance can also provide assistance such as alternative transport arrangements and breakdown assistance.

How To Save On Car Insurance?

Making great savings on car insurance is easier than you think. One tip is that if you add family members
who are named drivers you can often reduce your insurance premium, especially if they have a good claims record. Also, check any extras that are being offered. Do you need them? Are they available cheaper elsewhere? Compare instalments payments to one off payments. Don't pay more unless you have to. Shop around online. Often great savings can be made on car insurance if you purchase over the Internet! Avoid renewal quotes as they are often bad value. There are always companies offering up-to-date discounted deals on car insurance who will try and tempt you with a good offer, so always look around when your car insurance comes up for renewal. Always check options for all forms of car insurance. Sometimes fully comprehensive insurance can be similar in price or even cheaper than third party car cover. But remember, you need to compare policies carefully not just on price but on performance too. Think carefully about your own requirements and seek out a car insurance policy for you.

Is Car Insurance Compulsory?

Yes for good reason. You must have car insurance if you are a driver for strict legal reasons, to offer insurance to you and others in the event of an accident. The UK Road Traffic Act makes it a necessity for all motorists to take out insurance to cover their liability for injuries to drivers and passengers in the event of an accident, and for damage to other's property. The minimal legal requirement for UK drivers is the third party car insurance option. Remember, it is a criminal offence to drive a car or allow others to drive a car without appropriate car insurance.

Third Party or Fully Comprehensive? What Is The Difference?

Fully Comprehensive Car Insurance - Fully comprehensive car insurance; or fully comp cover as it is known, covers for protection for accidental damage, fire and theft; and also liability towards third parties. Fully comprehensive car insurance pays out whether the damage or injury is the driver's fault or someone else's.

Third Party Car Insurance - Third party insurance offers protection for individuals against liability if they injure a third party; or damage a third party's property. Third party insurance does not cover drivers for damage, theft, or loss to their car/property.

Third Party Fire & Theft - This is third party car insurance coverage with the additional protection for theft and
fire damage.

Which Type Of Car Insurance Policy Is The Best?

To put it simply, a fully comprehensive car insurance policy is the best option but it is usually more expensive;
so the choice of car insurance is yours. The third party options are less expensive but clearly offer less cover in
the event of an incident. If you do decide to take a cheaper option on third party insurance always assess things like your perceived risks, your average mileage and the value of your vehicle before making a decision.