Every car in the UK must have insurance, but finding the best car insurance can be a task. Before you can buy car insurance, you need to know a few things. Car insurance in the UK is mandatory and you need to select one policy between Third Party Only (TPO), Third Party Fire and Theft (TPFT) and Fully Comprehensive. Do not always go for the cheapest type of car insurance since it may fail to cover you adequately.
To get the best quote, make sure to use online car insurance comparison sites.
- Examples you can use include Compare the Market to help you compare and get better quotes online.
- You can compare quotes further using Moneysupermarket car insurance.
- To complete your search also look out for the insurance companies not listed in the comparison websites such as Aviva and Adrian Flux.
Good Car Insurance Plan
Many people are asking themselves, which car insurance should I buy? Luckily, there are many online sources that can help you get the best insurance quotes. Getting the best insurance quote should not be your only consideration as you would also need to look at the policy itself and also the insurance rate.
The best approach to getting good car insurance is by looking for the best car insurance quotes that come with additional offers and discounts. Going for the cheapest type of car insurance in the market is not always the best idea. Also, you will need to read the policy documents and understand the finer details.
Budget Car Insurance Quote
If you are looking for budget car insurance, you can get one. However, not that easily either, especially if you are looking for one with some essential factors. The most prudent way to go about it is by comparing prices from various websites. This way, you can get budget car insurance quotes online.
You also get to know the amount of excesses you will pay to make a claim. In most cases, budget car insurance and cheap car insurance often attract higher insurance excesses. The motive is usually to discourage people from making smaller claims. It means that low budget car insurance quotes tend to be expensive in the long run.
Car Insurance and No Claim
When looking for car insurance cheapest quotes, you need to factor in the fact that a policy can fail to protect your no claims bonus. As such, it will affect your no-claims bonus or you may end up paying higher premiums. That is why you need to get an insurance policy from recognized and reputable insurer.
Types of Car Insurance
There are three types of policies that you can choose from Third Party Only (TPO), Third Party Fire and Theft (TPFT) and Fully Comprehensive.
Third-Party Only Car Insurance
TPO insurance is a basic insurance policy in the UK. The cover only insures you against liabilities arising from third parties, but it will not cover the costs of repairing your car in case of an accident. You can always find cheap third party car insurance price comparison online. This way, you can be sure to get the best third party car insurance quotes.
It covers you against injury or damage caused by your car to a third party. If you want to get a cheap third party car insurance UK, you need to compare prices and shop around. Is third party car insurance cheaper? It depends on what you are looking for. It is prudent to consider the price of the policy and also the condition of your car and the terms and conditions of the policy.
Third Party, Fire and Theft Insurance
TPFT car insurance has the same coverage as TPO insurance, but it also covers your vehicle if it is stolen or gets damaged by fire. However, your car is not covered against damage in case of an accident. It is higher than TPO insurance. This is a better policy compared to TPO, especially if you are not driving a very expensive car. This is because you will not have to pay much in case your car is damaged in an accident.
You need to ask yourself if it is possible to write off the value of your car since the cost of repairing your car can be much higher than the price of a new car. It also gives you extra coverage by protecting your car against fire and theft. However, you can cut the cost of your TPFT car insurance by installing security features like alarm and parking your car in a garage. You can also do cheap 3rd party car insurance comparison to get the best quote.
Fully Comprehensive
Fully comprehensive car insurance gives you all protection features available in TPO car insurance and TPFT car insurance. This coverage offers much coverage since it not only protects you against claims by a third party but also covers your car against damage even when it is your fault. Besides, it also covers you as the driver.
However, you must be aware insurance policies do not cover all risks; you need to read the policy document to know the insurer’s exceptions. You also need to consider some options that can be tagged to the main policy, but are outside the terms and conditions of the policy.
For instance, you may need to consider towing service and vehicle recovery. You need to note that this is not always the most expensive; it would even turn out to be the cheapest type of car insurance. All you need is comprehensive car insurance compare quotes and you could land on an amazing deal. Essentially, it does not matter how fast you can receive good car insurance, but the maximum benefits you can enjoy from your insurance plan.
Fully Comprehensive car insurance can really help in different situations. Because if you’re the offending party in an accident, the policy will cover the cost of repairs not just for the third party but also for your own vehicle. With a Third-Party Only Car Insurance damage to your own car is not covered when you are causing the accident.