Motor Insurance and Car Insurance
It is illegal to drive a car or any vehicle in the UK unless you are insured. There are 3 levels of cover, different lengths of policy, and different ways to pay.
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Levels of Car Insurance - There are 3 levels of cover; Third Party; Third Party, Fire and Theft and Comprehensive.
- Third Party is the minimum level of insurance required by law in Britain. However, this level of cover only protects you against damage or injury caused to others, not yourself . It does not cover fire or theft of your vehicle.
- Third Party, Fire and Theft is another cheaper alternative to comeprehensive cover. It is much like third party but also covers theft or fire.
- Comprehensive is the highest level of cover you can get and will cover you against any form of damage or injury caused to you or anyone else regardless of fault. This type of insurance will be more expensive, however it can be worth it for extra peace of mind.
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Length of Policy - Motor Insurance usually covers the policy holder for 12 months, however, it is possible to get cover for different periods of time and some companies also offer a standard 6 month cover.
Paying for Motor Insurance - Motor insurance can be paid for either in one lump sum when the policy is taken out or in monthly instalments. Paying monthly can be handy if you do not have the money up front, however in the long run you will have payed more by the end of the policy than if you had payed the lump sum.
Protect you and your belongings - Insurance
Taking out insurance will protect you or your property. Insurance policies usually cover you for a set period of time and can either be paid for in one lump sum or monthly. Your policy will detail what is covered and will pay out cover for any of these events. Your personal details such as age and well-being will affect how much you pay for your cover.
