Car insurance

Motor insurance is covers a variety of insurance policies which cater for cars, motorbikes, vans and other motor vehicles. In essence, it cover the policyholder against the cost of repairs following an accident. The repair cost my be confined to the policyholder’s vehicle, or a number of third party vehicles. Motor insurance is a compulsory purchase for everyone in the UK who is the registered owner of a motor vehicle.

Motor insurance is not simply an off-the-shelf product - as is a common misconception of the majority of people who buy this form of insurance. Most insurance companies offer three variations of motor insurance; third party only, third party with fire and theft and fully comprehensive.

A third party motor insurance policy will insure the policyholder against accidental damage to third party property or injury as well as liability to passengers in the policyholder’s car.

Third party motor insurance policies consists of the above theft party cover. In addition, the policyholder’s vehicle is covered against fire, lightning, explosions, theft and attempted theft.

Fully comprehensive motor insurance cover consists of the third party, fire and theft level of protection as well as cover for the policyholder’s own vehicle.

There are a number of cheap motor insurance providers out there. However, it is important that  you find the right insurance company for you. If you are not being provided a quote from a suitable company, they will simply price themselves out of your market.

It is crucial that customer look for the right level and type of cover when they are looking for a motor insurance policy. Too frequently, people are signing up to the cheapest premium they can find without realising that the level of cover in each and every policy is not identical.

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