The Basics of UK Car Insurance

Why Get Car Insurance in the UK? Drivers in the UK should always have insurance. Anyone who is caught driving without insurance, or with insufficient cover, is often prosecuted aggressively. In addition to the damages that you will now be held liable for, you can also face substantial fines, a hold on driving, points placed on your license, criminal charges, and even the crushing of your vehicle. There are many variations of any given insurance plan, and when trying to understand the system as a whole, it is helpful to begin with the basic types of insurance terms used in the industry.

It is helpful to keep in mind that the policy chosen will always reflect the profile of the driver. Therefore, the more detail that you know about your own profile, the more likely you will find a good policy. The most straightforward way to look at car insurance is by breaking it down into the major types of cover - such as short term car insurance which you can buy from here.

Imagine that each insurer is like a kitchen. Then, think of the types of cover as the basic ingredients. Your specific plan is like the recipe, and the final result when you sign the papers is the cooked cuisine. If that is too much of a stretch, then by all means customize your metaphor. The three essential types of cover to know about are:

Minimum Coverage
The minimum coverage allowed in the UK is called third party. This type of cover makes sure that, in the event of an accident, the damages to the others involved will be paid out. With this type of policy, you can elect to have some of the other desirable features added on to your basic cover on an as-needed basis. It is so very important to know what risks you are taking by only having third party cover. It means that you will have absolutely no cover for your own vehicle damages. More importantly, you will have no personal injury cover. None.

Comprehensive
Sometimes called full risks cover; this type of insurance contract does not cover every possible event. It is important not to be mislead by this name. This policy is issued at the discretion of the insurer, who will put any exclusions and excess in the small print. Usually, you must pay the excess regardless of who caused the accident. This is the part you should read first.

Breakdown
This is the type of cover you need if your vehicle is older, or you just want to have the security of knowing that you will have someone to call if anything were to malfunction out on the road. A restriction to this is that you only have a limited number of claims you can make per year. This number may vary somewhat, but tends to be around 5-6 claims. This includes basic services like repairing a flat tire. You may want to ask the insurer is how many petrols they provide per member.

Then you can compare this number against the other companies. The lowest price is not always the most important consideration. There is often a maximum amount of repairs the breakdown will cover; again, the premium price should be just one factor to consider. A Breakdown Warranty will let you know exactly what parts of your vehicle are covered, any limitations or restrictions, and any other terms or conditions that apply. You can expect discounts for breakdown cover if you buy online; up to 40%.

After you become familiar with the basics, other types of cover become easier to navigate.

 

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