The Best Bank Account Deals

Car insurance, also known as motor insurance, is designed to protect you and your vehicle against a range of eventualities. The car may be stolen or damaged by fire; if you’re involved in a road accident the occupants of the other vehicle may make a claim for damages to their own vehicle; personal belongings and medical costs are also factors to take into consideration.

There are a number of different options available when you compare car insurance deals and it’s worth taking some time before deciding which is best for you. Car insurance deals UK come in all shapes and sizes and can be tailored to suit your individual needs. Here we have highlighted the top Insurance deals currently on the market.

Compulsory car insurance came into effect in the UK in 1930, as vehicle usage increased dramatically and the number of accidents skyrocketed. Third party insurance was considered most important as a means of providing a degree of security to innocent third parties. Remember, this was an age when public safety on the roads was not taken as seriously as it is now and drivers tended to be somewhat reckless.

Today, you need either a temporary cover note or a valid insurance document containing the details of the policy before you are allowed to drive your vehicle on the road. The insurance may include breakdown cover or this may have to be arranged separately. The insurer must be kept informed about any changes in your circumstances, such as moving to a new address or if points have been applied to your driving licence for motoring offences.

You should also be aware that any modifications to your vehicle might invalidate the cover or increase the premium.

3rd Party, Fire Theft, Fully Comprehensive

You must be insured before you can take your vehicle onto the public highway and there are three basic types of insurance policy to choose from when you are looking to compare car insurance deals.

The most basic type of cover is third party. This essentially covers any liabilities you may incur in connection with a third party, which is to say passengers in your own vehicle and others, such as pedestrians and the occupants of other vehicles. It will also cover any damage suffered by another person’s property, such as their car. It will not cover damage to your own vehicle.

A third party, fire and theft policy will cover you for all of the above, as well as damage caused by attempted theft of the vehicle and also of course fire damage.

Comprehensive insurance covers all of the above plus other eventualities, such as personal accident, malicious damage, and loss of personal property and windscreen replacement.