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Car and Van Insurance Basics
To drive any vehicle (car, van, truck, bike etc) on UK roads, you need to have insurance. According to the Road Traffic Act, all drivers/motorists are required to be insured against their liabilities for injuries or damages to third parties including passengers. You would be breaking the law if you drive on a road or public place without a valid motor insurance. Furthermore, it is an offence even if you let others use your uninsured vehicle. In the unlikely event of an accident resulting into damage to third party vehicle(s) which may result in personal injuries and any other damage to properties, protection against such liabilities is essential. It also safeguards against damages to your own vehicle, including thefts. Driving without insurance, not only you are breaking law but you are also carrying the risk of paying the compensation to all the parties involved. It does not matter which party was at fault.
Car insurance is what safeguards you against loss due to traffic accidents, thefts or other reasons. Taking out car insurance is very important as insurance is what secures you from economic loss or damages. In case you do not have car insurance and you are involved in an accident, in spite of who is at fault, you will be paying the compensation concerned with damages. Car insurance is designed to protect yourself and others against these risks.
Many different types of covers are available, ranging from third party cover which protects individuals against liability should they injure a third party or cause damage to a third party's property, but does not provide any cover for the individual's own vehicle or property, through to comprehensive cover, which can offer protection for accidental damage, theft, fire damage as well as liability towards third parties. The minimum legal requirement for car insurance to drive in the UK is Third Party Only.
It is a belief of most people "I don't get into accidents, I am a careful driver" and therefore, just get Third Party Only cover as a need to get their registration and Road tax. They are amongst those to call for cheapest insurance or "Give me what is required" type. When a need for claim arises for these people, it is then they become aware of what type of cover they should have.
Buying Online - Why is it great?
Choosing Car Insurance
us think to shop around for a better deal on our car insurance renewal
However, there are some easy ways to make savings. Spend 10-15 minutes
finding out how to get the best deal. In a competitive market,
providers are always looking to offer new and better deals, and
increasingly there are specialist policies available for low-risk
groups such as over 50 or older drivers, female drivers, 4 years or
more claim-free driving etc.
Familiarise yourself with your current car insurance
To compare like with like, you need to know what type of insurance you currently buy from your insurer. Is it Third party only? Third party, fire and theft? Comprehensive? Also look in your policy notes to find out any special features for your policy, such as:
Decide what type of cover you want
Don't automatically choose the same policy you had before, or go straight for Comprehensive cover. You can save up to a third on quotes if you choose third-party, fire and theft or third-party-only policies. If your car is not worth a great deal, you may want to consider these cheaper options.
Decide on your must-have car insurance features
All car insurance policies cover the same basic ground. They pay out when another driver claims against you for damage you cause to them or their car. Where many policies (even very similarly-priced ones) can differ is in the additional features they offer. To help you shortlist quotes, you need to decide which of these features, if any, are must-haves. For instance, if you can't do without a car for even a few days because you need it for work, you might only consider policies offering a courtesy car for when yours is being repaired. Or, if you car is old and sometimes breaks down, you may favour policies offering free roadside assistance.
Compare car insurance quotes
To start filtering the quotes you receive, start by discarding quotes that:
Buying a car is a big investment. Although you insure your car, did you know that if your car is written off or stolen, your insurance payout will be based on the value of your car at the time of the accident or theft, NOT the value when you bought it?
What Car Value Protector Offers:
* Pays the gap between your car insurance payout and what it was actually worth when you took out Car Value Protector. Find out more
* No need to make up the difference with any extra hard earned cash
* Gets you back into a car similar to the one you bought
* Great value - from just £5.89 per month
* Get a Quick quote NOW!
helpucover is a UK provider of car gap insurance. Car value protector gives your car protection, ensuring you receive the full return to value if your car is written off or stolen. Get your quote online now!
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