| What types of car insurance cover are there? |
|
The
minimum legal insurance requirement for
cars is Third Party cover - this insures
against damage or loss to others - no payment will be made to the policy
holder. Fire and Theft insurance cover extends polices providing payments to the insured in the event of fire or theft. Fully Comprehensive insurance policies cover losses of both the insured and others. Additional cover is available through such as no-claims bonus protection. |
| What car insurance cover to go for? |
|
Consider
Third-Party only for very low value cars.
Fully Comprehensive insurance is advisable to be sure of retaining the value of the car if the worst happens. It is a must if is there is a loan or credit arrangement current for purchase of the car. |
| Car Insurance Premiums |
|
The Premium
or cost of the insurance will be affected by the car
type and specification and the driver's
personal circumstances. Car type and specification includes PERFORMANCE, make, model, age, value etc. Insurance groups categorize cars. Categories range from Group 1 for such as a Fiat Panda through to Group 20 for a Porsche 911. Driver's personal circumstances include AGE, DRIVING HISTORY, occupation, health, use of car, postal address etc. No-Claims Bonuses reduce the cost of a premium for claim-free years of driving. Excess Payment clauses are often part of a policy requiring the insured to pay the first part of a claim, typically around £100. |
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