Guide To Uk Car Insurance
Getting insured for your car is like a spaghetti junction - which ways home
?Make the right turn - compare quotes!
There are tons of car insurance policies to suit your pocket. As a tip, its worth bearing in mind that shopping online for car insurance can save you thousands of pounds compared with obtaining quotes from call centres. Simply key in your details!
Guide to Compulsory Excess and Voluntary Excess
Its bad news if youve had a road crash and even worse luck if youre required to pay Excess or Total Excess Insurance.
Youll find that Excess and Total Excess Insurance consists of two parts.
Compulsory Excess
This is the amount the insurer expects the policy holder to pay.
Voluntary excess
This is the amount the policy holder volunteers to pay.
In principle, its possible to set your voluntary excess to 0, however, as a hint, your premium will be less expensive if you choose a higher voluntary excess.
In the UK, there are three main types of insurance to choose from: Fire and Theft, Third Party Fire and Theft and Fully Comprehensive.
Third-party car insurance
Third-party car insurance is the cheapest form of car insurance and will only provide basic cover to remain legal.
If youre involved in an accident or cause an injury, this insurance will only pay for claims made against you, costs for repairing or replacement of the other person's car.
Disadvantages
You wont be covered for damage to your car or a replacement car if you car gets stolen..
Third-party, fire and theft car insurance
Third-party cover, fire and theft car insurance will protect you in the event that youre involved in an accident, cause an injury or cause damage to the claimants car. This insurance will also pay for fire damage and costs related to your car if its been stolen.
Disadvantages
You wont be covered for damage to your car caused by an accident.
Fully-comprehensive car insurance?
Fully-comprehensive car insurance includes the widest cover to protect you and your car if youre involved in an accident or your cars stolen. Advantages of fully-comprehensive insurance include cover for cost of repair or replacements if your cars involved in an accident whether or not youre at fault.
Fully-comprehensive car insurance - Additional benefits
Additional benefits include medical expenses and personal belongings.
Car Insurance Your Guide to Save Money!
Whether you own the latest luxury limo or third party banger, it pays to get the best deal by pre-planning, reading the smallprint and shopping around for the best deal.
As a general rule of thumb;
A car alarm or fitted security device could entitle you to a discount
Check terms. Read the small print for add-ons before purchase. Do you
really need that courtesy car?
Add your spouse - you may be entitled to a discount
Off-road parking entitles you to a discount - look for a garage
For a reduced premium, downsize to an older car
Deborah Harris
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