Car Insurance Quotes Online - Click Here !!
UK CAR INSURANCE EXPLAINED
What is Car Insurance and what does Car Insurance
do?
Car Insurance protects motorists and drivers
against liability in the event of accidents they may cause.
It can also provide cover for the motorist’s own vehicle.
Many different types of cover are available from this website,
ranging from third party cover which protects individuals
against liability should they injure a third party or cause
damage to a third party’s property, but does not provide
any cover for the individual’s own vehicle or property,
through to comprehensive cover, which can offer protection
for accidental damage, theft, fire damage as well as liability
towards third parties.
The Road Traffic Act requires
all motorists to be insured against their liability for injuries
to others (including passengers) and for damage to other people's
property resulting from use of a vehicle on a road or other
public place. It is an offence to drive your car or allow
others to drive it without insurance.
When you purchase motor insurance, your insurer
will usually issue two documents:
The Certificate of Motor Insurance
- this is evidence of car insurance as required by the Road
Traffic Act.
The Policy Document - sets
out in full the terms and conditions of your insurance policy.
You may also receive a Cover Note. This acts
as a temporary policy and also as a temporary certificate
of insurance for the purposes of the Road Traffic Act.
You should read your policy carefully to ensure
it gives you the level of cover you are seeking. There should
be no small print or difficult language in modern insurance
policy documents. If you are unsure about what the policy
does or does not cover then just ask your insurer/insurance
adviser to explain.
Comprehensive Car Insurance Policies
usually cover:
Liability for injuries to other people, including passengers
Liability for damage to other people's property
Liability of passengers for accidents caused by them
Liability arising from the use of a caravan or trailer, while
attached to the car
Fire damage and/or theft
Accidental damage to your own car
A personal accident benefit - certain amounts are paid in
the event of the death or specific permanent disablement of
the policyholder (and sometimes his or her spouse or family
member)
Medical expenses necessarily incurred, up to a stated limit
Loss of or damage to personal effects in the car, up to a
stated limit.
Third Party Car Insurance Policies usually cover:
Liability for injuries to other people, including passengers
Liability for damage to other people's property
Liability of passengers for accidents caused by them
Liability arising from the use of a caravan or trailer, while
attached to the car;
And TPFT Policies are generally the same as Third Party policies,
but with protection added to cover losses in the event of
fire or theft of your vehicle.
• What
Car Insurance does
•
Things to consider when buying motor insurance
•
Useful car insurance information
• What
is a No Claims Discount
• What you should do if you have an
accident
• What you should do if your vehicle
is stolen
• Car Insurance and motoring
abroad
• Insuring and registering
an imported car in the UK.
• Insurance for cars purchased
in other EU Member States.
• Medical conditions of
insured drivers.
•
Motoring in Europe
•
Glossary of car insurance terms
•
Certificate of Car Insurance
|
