Which Car Insurance Is Right For You?

If you are driving the roads in the UK, having motor insurance isn’t just a good idea. It’s a requirement. Under the Road Traffic Act 1988 passed into law by Parliament, all vehicles travelling on public roads need to have a minimum amount of car insurance. This change was beneficial to all citizens. In the past, uninsured drivers who got into accidents were not always financially capable of compensating those individuals who suffered uncalled for damage and injury at the driver’s causing, let alone being able to assist themselves. The Road Traffic Act 1988 at least gave those parties who were the victims of motor vehicle accidents the reassurance of getting their fair due.

Driver’s themselves may still choose insurance cover that won’t necessarily compensate themselves, especially if they were the driver’s at fault for the accident.

Although having car insurance is a necessity to travel on UK roads, there are a variety of levels of cover that can be chosen by drivers, depending on their specific driving history, vehicle characteristics and features, and estimated vehicle usage. Each type of car insurance has their positive and negative aspects, and it’s up to the driver, with or without the consultation of an insurance representative, to choose the insurance plan that best suits their unique situation. Although it may be tempting to just sign up for the least expensive motor insurance, understanding the specific cover that each plan offers should be reviewed first. Drivers may feel safer operating their vehicles knowing that certain situations are covered with the insurance cover they chose, situations that may not be covered in cheaper insurance plans.

There are mainly three types of insurance offered in the UK

The Three Main Types of Car Insurance Offered In The United Kingdom:

1. Third Party Car Insurance

This insurance plan provides the bare minimum cover that satisfies the government’s legal requirements. It is termed “third party” insurance because it deems the insurance company and the driver as the first two parties. Anyone else negatively affected by the accident caused by the driver is considered the “third party.” Generally, the “third party” is the other driver involved in the accident, his vehicle, and the passengers in both vehicles. So with this type of insurance, the other driver and his passengers would be compensated for medical expenses and loss wages, and to repair damages caused to his vehicle. Passengers in your car that were injured would also be compensated for medical expenses, even though you and damage to your vehicle would not.

This basic level of motor insurance provides the least amount of protection, but also is the least expensive. This type of car insurance would be recommended for someone who rarely drives, or who drives a vehicle that has very little monetary value.

2. Third Party, Fire and Theft Car Insurance

This type of insurance offers a little more protection, but still may not in some circumstances that you would liked to have covered. Everything covered in Third Party car insurance is covered under this plan, plus situations involving damage caused to your vehicle due to fire, and compensating you if your vehicle gets stolen. This level of motor insurance still does not offer any type of compensation to you. It only compensates you for damage to your car due to fire, but nothing else.

This moderate level of car insurance gives a little more protection to your vehicle, and because of this will cost slightly more than Third Party car insurance. This form of motor insurance would be suitable for someone whose vehicle holds some monetary worth, but may still be unsatisfactory to drivers desiring to have some amount of compensation awarded to them if they happen to be in an accident.

3. Comprehensive Car Insurance

Comphrensive car insurance means you can drive most cars without having to worry about extra insurance.

For those wanting the maximum level of motor insurance, Comprehensive car insurance is the best selection. This premium level of insurance covers everything that Third Party, Fire and Theft insurance does, plus a lot more. With this insurance, damage done to your car would be compensated, so you would be able to make your repairs and get back on the road much easier. Also, unlike the two previous types of car insurance, Comprehensive car insurance will also assist you financially with the cost of medical expenses and loss wages.

This level of protect will also cover:

- accidental or malicious damage caused to your car
- window, windscreen, and sunroof replacement
- damaged or stolen personal property in your car

Comprehensive car insurance is for drivers who own higher-valued vehicles, and vehicles that would be costly to repair. It is also for individuals who want to ensure that they are compensated financially in order to better handle the negative effects caused by getting involved in an accident.

Once you have decided on the level of motor insurance, you then need to go about finding the most affordable policy that is available. The most efficient way to do this is through car insurance comparison. Using a site like CarInsuranceComparison (found at http://www.carinsurancecomparison.co.uk), Brits can conveniently and quickly find the cheapest car insurance policy delivering the insurance cover they desire. All drivers need to do is to enter in their personal and car details once, and CarInsuranceComparison.co.uk will distribute your info to a select list of the top car insurance companies. Within seconds, you will receive free, no-obligation insurance quotes that are tailored specifically for you and in a format easy to compare.

Having the proper car insurance does not always mean getting the least expensive one. By using a helpful website like CarInsuranceComparsion.co.uk, you can quickly and confidently select the ideal insurance for your needs.