Car Insurance Give Security Your Car

Car insurance is a legal requirement, even if the car is not being used on the road – unless it is been officially stated as ‘off the road' through the statutory off road notice mechanism. There are 3 types of insurance cover, offering various levels of cover and different costs.

Third party is the most basic type of cover and the minimum legal requirement for car insurance. It covers at all third party (including your passengers) and the other vehicle & property, but it doesn't cover damage to your own vehicle. So, if the accident is your fault, you have to pay for your own repairs. If the accident not your fault, you should be claim against the other driver's insurance policy. 

Third party cover is generally taken by owners of older vehicles whose worth is less than the cost of any likely repairs. Newly skilled drivers go for third party insurance too, due to they believe it will be the easiest option. In fact, because insurers price for risk & claims statistics show that new drivers are more likely to be involved in an accident than those with more experience, the third-party cost of cover has increased significantly in recent years. It may often be more expensive. 

Stepping up from third-party insurance, this type of policy ads cover for your vehicle if it is stolen, damaged or destroyed by fire, but it still won't cover your own costs if the accident was your fault. Three-quarters of drivers opt for fully comprehensive motor insurance. As the name implies, which is covers pretty much everything, where including you, your vehicle, your passengers & property, as well as that of the other parties. It will also provide cover if your car is damaged, stolen or set alight and insure you to drive other vehicles. Some insurance policies might not contain legal protection, breakdown & even windscreen cover.