Buying Car Insurance
Why do I need car insurance?
In the UK it is mandatory to buy car insurance before your new car is driven on public roads.
Depending on the level of
coverage you take out with your insurer, your car insurance policy covers you against any losses that can incur following
a traffic accident or criminal activity against your car.
What are the penalties for not having insurance?
Penalties for not purchasing insurance for your vehicle are harsh, an IN10 conviction means a minimum of 6 points on your licence and a £180 fine, and in some cases being banned from driving. It can also mean a hefty increase in your future insurance premiums, and many insurers will refuse you insurance cover.
Which car insurance policy type is right for me?
Different insurance policy types exist in order to satisfy your requirements: Comprehensive Cover, Third Party, Fire and Theft, and Third Party Only Insurance.
Comprehensive Cover Insurance
This policy level provides the policy holder with the maximum available cover for your car.
It covers any damage, major
or minor, caused to your vehicle, as well as covering your liability to others.
Third Party Fire & Theft Insurance
This insurance policy is designed to protect others involved in accidents that your vehicle may be involved in and legal fees if required. Third Party Fire and Theft policy also covers your vehicle against any fire damage.
Third Party Insurance Policy
Third party cover is the minimum level of car insurance required by law on UK public roads. This policy will only cover your liability to others, and there is no cover for any damage caused to yourself or your car.
Where can I buy car insurance online?
Virtually all car insurance companies allow you to purchase car insurance on the web. However, by shopping around for
the best deals available, you may find you spend hours filling out forms and duplicating information.
Askaprice recommends using the insurance comparison service CompareTheMarket.com. By entering your details just once,
they'll search over 300 insurance schemes to enable you to get the best insurance deal.
Click here, or on the image above
to get your insurance quotes.
Online Car Insurance Deals Direct
Most insurance providers have some great car insurance deals online. Use the table below to examine the deals available to you: