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CAR INSURANCE ADVICE


UK CAR INSURANCE


Types of Car Insurance in the UK. There are three types

Third Party Insurance - The minimum legal cover
This covers Liabilities for injuries to other people, including passengers. Liability for damage to other people's property. Liability of passengers for accidents caused by them. Liability arising from the use of a caravan or trailer, while attached to the car (but tell your Insurer if you are going to tow)


Third Party Fire & Theft Insurance
As above but including fire and theft but some Insurers do not cover theft if the car is not kept off road or will charge extra. Be careful when selling a car - Insurers will not cover for theft by deception.


Fully Comprehensive Insurance.
As above plus Accidental damage to your own car excluding any excess. A personal accident benefit. Medical expenses up to a stated limit. Loss or damage to personal effects in the car, up to a stated limit

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