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.
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