Always increasing in cost, we try to give you a quick and simple guide on how to get the best car insurance quote, however old or experienced you are. Save yourself money right now.
It's a legal requirement in the UK to have a valid car insurance policy when you are driving a vehicle on public roads. The Road Traffic Act states that all motorists must be insured against their liability for injuring other people (including passengers) and for damage to other people's property resulting from the use of a vehicle on a British road.
There are three main types of cover, although to be honest two really.
Third Party Only cover does not provide you with any benefits for your vehicle in the event of an accident or incident. If you are happy to pay for any damages to your own vehicle then this maybe a viable option for you as this will be less expensive. One third of motorists choose Third Party Fire and Theft. This is a good level of cover that provides the same liability cover as the Third Party only version plus it has the added feature of covering your vehicle for fire and theft incidents.
You can choose to have a Fully Comprehensive policy which covers everything that a Third Party Fire and Theft policy would plus accidental damage to your own vehicle, loss or damage to personal effects in the vehicle up to a stated limit and replacement of damaged/broken windscreens. Some Comprehensive policies have extras such as 'personal accident' benefits or a 'medical expenses' policy added. Make sure you read your policy details so you know exactly what you are covered for.
Unfortunately there are a number of key factors, some out of your control, that are driving premiums ever higher.
So what can you do to ensure you get the very best deal?
The largest falls in premiums come from a very small number of things you can do :
There are lots of different comparison sites that you see all the time on TV and in the newspapers.
Confused.com - established and trusted comparison site