Comprehensive Car Insurance

Taking out this type of cover means that you as the policy holder would be able to claim for any damage caused to your car – it covers ‘all risks’ apart from the exclusions you agreed with your insurance company. The exclusions could include items such as the use of a hire car if yours is being repaired, windscreen damage and legal fees. Your policy may mean you can be compensated for damage to your car whilst you were not even in it – this could mean if your wing mirror is knocked off or your hub caps stolen. With all policies there will be an excess and any claim made could affect your premiums. The windscreen extension is usually part of the cover and means that you could have your screen replaced even if it has a small chip, as long as you go to a specialist glass firm recommended by the insurer.

You will need to familiarise your self on the inclusions and exclusions on your policy. You may find for instance, that you are not covered for electrical and mechanical breakdown. You should look to have your car replaced by the insurers if it was less then 12 months old if it is written off even if it looses 50% to 60% of its value due to an accident. If your personal items are stolen with your car you will find that the limit payable is around £150 maximum.

Thirds Party Fire and Theft

Third party only car insurance policies provide the minimum legal requirement. The policy is designed to protect victims of accidents in which your car is involved. A third party policy can also cover your legal fees in case you require a solicitor to represent you.

Third Party Only Insurance

By law, as far as the Road Traffic Act(s) are concerned, you need to have a minimum level of car insurance. Although statistics show that one in 20 motorists do not bother taking our insurance.Third party only car insurance will only cover your liability to others. There is no cover for damage to yourself or your vehicle. Some insurers may also provide third party only insurance to cover you to drive other cars on a third party basis but is it important to check the policy wording for this. If you are found guilty of causing an accident your insurer will pay any compensation to any injured victims of the accident. Any legal costs are covered, and paid to the solicitors of the victims as well as the legal costs that your own insurer incurs representing you.