UK Car Insurance

Read Our Helpful Information About Insurance For Cars.

It is important to understand it is a legal requirement for all drivers to be adequately covered. Under the Road Traffic Act it is an offence to drive your vehicle or allow others to drive it without car insurance and give false statements or withhold information for the purposes of obtaining car insurance.

There are considerable differences between the three main types of car insurance offered by most vehicle insurers. Most private motorists appear to opt for Comprehensive car insurance cover with the remainder choosing third party fire and theft and a very small proportion taking out third party cover only.

What is Third Party Car Insurance?

As the name suggests this will normally cover liability for injuries to other people, including passengers, damage to someone else's property, liability of passengers for accidents caused by them and liability arising from the use of a caravan or trailer, while attached to the vehicle.

What is Third Party Fire and Theft Car Insurance?

In addition to Third Party cover your vehicle is also insured against theft and either loss or damage caused by fire.

What is Comprehensive Car Insurance?

This cover includes third party fire and theft plus damage to your own vehicle, loss or damage to personal effects in the vehicle, personal accident, death and disability benefit, medical expenses cover and windscreen replacement. Some car insurance companies will allow the policyholder to drive other cars. However, this can only happen with the owner's permission and vehicle cover is limited to third party only.

Please always remember to examine your car insurance policy wordings carefully and check with individual vehicle insurers as there maybe excesses (the amount you automatically pay in the event of a claim), and any other conditions attached. All car insurance policies require your vehicle to be in a roadworthy condition and you must inform your car Insurance company of any changes such as address, occupation, type of vehicle and motoring convictions during the lifetime of the policy.

Once you have purchased your car insurance you can expect to receive three documents. Initially a cover note, which acts as a temporary certificate until you receive the actual certificate itself. These are evidence of car insurance as required by the Road Traffic Act. And then finally the policy document. As previously stated it is vital that policy documents are read very carefully as they set out the terms and conditions of your policy.