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Types of Car Insurance Cover
Basically there are three types of Car Insurance available in the UK. They are as follows:
Third (3rd) Party Insurance
Third party car insurance only covers other people and their property should you be involved in an accident.which is your fault. You or your vehicle are not covered under Third party insurance so careful consideration should be taken when choosing the type of car insurance you require.
Third Party Fire and Theft Insurance
The third party fire and theft insurance is the same as simple third party insurance however covers your car against theft and fire. Other considerations to be made are:
- Should you declare to the insurance company that your car is parked in a garage or driveway overnight and you leave your car elsewhere on a regular basis - it is arguable that the insurance company will not pay should your car be stolen or set on fire.
- This type of insurance is best taken if you have an old or low valued car
Fully Comprehensive Insurance
This insurance apart from covering the 'Third Party Insurance' and' Third Party Fire and Theft Insurance' also covers accidental damage to your car. This kind of insurance is common in UK. In case of comprehensive insurance your car is insured against all the possible mishaps, accidents or damages.
Why you should hold a car insurance policy
If you do not insure you car you will lose all the car insurance benefits such as the safety net of being partially or totally protected financially.
View the UK Car Insurance Guide