Car Insurance Explained

Insurance is probably the biggest yearly bill that you will pay for your car. That's why it's important to shop around for the best quote for you. Price is not the only consideration when obtaining a quote; the amount of cover you will receive includes drivers legal protection which cover court bills in the case of anything going to court, Coutesy cars, road side assistance, online quotations, named drivers, etc are all things which can affect a premium but it's up to you to decide what you really need. You do not need road side assistance if you are already in a motoring organisation like the AA. You might not need Legal Protection if you could qualify for legal aid.

There are three main types of car insurance that you can choose from

Third Party Only
Covers you for claims made by other people for bodily injury or damage to their property.

Third Party, Fire and Theft
As above, plus your car is covered if stolen or damaged by fire.

Comprehensive
This gives you both of the above and also covers accidental damage to your car.

Your Choice who you choose. Fully comprehensive insurance is the best policy to have for peace of mind but will be more expensive. Third Party insurance could leave you out of pocket if a crash is your fault but the difference in Premiums over several years could be more than the cost of a repair and could therefore be cheaper in the long run.