Car Insurance

car crash

Here we explain all about car insurance to help you get the very best deal online.

It is a legal requirement in the UK to have a valid Car Insurance policy when 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.

Third Party Only and Third Party Fire and Theft

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.

Fully Comprehensive

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.

Top tips for a getting a lower premium

  • Fit an approved alarm and immobiliser
  • Change the excess you are prepared to pay on any claim to reduce the premium
  • Check your mileage to make sure you are not paying extra for miles you are not covering in your car
  • Only select to have a courtesy car or legal expenses if you really need them, as they may increase your premium
  • Keep your car parked in a locked garage overnight if you can - this can help reduce the premium

Useful Websites

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  • RAC - Breakdown Cover
    Offering breakdown cover and car insurance as well as the latest travel information.
  • Confused.com
    Discover cheap insurance, loans, mortgages and credit cards with ease. You can even switch your utilities with their comparison service. All major providers - plus you get a robot toy to boot!
  • Quote Searcher
    Quotesearcher are expert in the car insurance field, we strive to bring the lowest priced car insurance quotes we can for your car.
  • Motor Quote Direct
    Low cost motor and car insurance from motor quote direct the UK's leading car insurance website
  • Dial Direct Insurance
    Cheap car insurance quotes, van insurance and home insurance quotes from Dial Direct UK. Get a cheap UK car insurance, van or home insurance quote and buy online.
  • Budget Car Insurance
    Budget car insurance, home insurance and van insurance products in the UK. Get your cheap car insurance quote from us online as we compare a panel of leading UK insurers to give you the best price.
  • Add Your Website

Further Reading

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    Car insurance does not come cheap so make sure you are getting the best deal by checking out our guide to cheap car insurance online.
  • Buying a Used Car Online

    Want to read about buying a used car for you that fits your budget and also delivers on what you need (estate, hatchback, sports). Then read our simple motoring guide
  • A Guide To Selling Your Car

    If you are selling your car online our sales advice could help you to get the classifieds working for you. A simple guide that ensures you will not lose money
  • A Quick Guide To University Life

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