Most from Comprehensive Cover
Like many other products, selecting the right
car insurance (it's easy for females; go to cheap car insurance site
womenscheapcarinsurance.org.uk) for your needs depends on a number of factors. The
right policy is, of course, the one that best fits your situation.
Liability insurance is the minimum required cover in the UK, and it
will cover both the cost of the damages to the third party involved,
and covers the policy holder's vehicle to a limited extent under
certain conditions. At this time, reports estimate that nearly 75%
of all policies sold in the UK are comprehensive cover including
short term car insurance policies - you can buy these from
Comprehensive car insurance can be a good investment, because of the
added protections. Like liability insurance, it will cover the costs
of damages to third parties involved in the accident. It also covers
any damage to the policy holder's vehicle resulting from vandalism,
theft, accident, or fire. Some insurance companies will offer a
policy holder with full comprehensive a replacement vehicle of the
same make and model if the damages are too much to cover with repair
costs. They may do this to avoid any disagreements over the fair
market value of the vehicle. They also have the options of writing
off the cost and awarding to you a sum that is equal to the fair
market value of the vehicle less any deductions.
What Does Full
Even with the full comprehensive insurance,
every possible situation is not automatically covered. What follows
is a list of common options that can be included within a
comprehensive policy, or can be chosen item by item. The trick is to
become familiar with the terms, what they are, what they are not,
and then look for them when shopping for a policy. Only some full
policies will include these optional covers automatically.
The most famous of these optional items is breakdown cover. It is
important to notice how far this cover extends; in some policies, it
is restricted to the UK. Others will extend to all of Europe. Some
policies have the option of including legal expenses into the cover;
for some, having this on the policy is a must. Another popular
feature is the courtesy car hire. If your vehicle is in for repairs,
this optional cover allows you to have a temporary vehicle to drive
until the repairs are completed.
Third Party Cover --
Included or Excluded?
Third party insurance is frequently confused
with comprehensive cover; the word 'comprehensive' can mislead. It
is good to know the difference rather than finding out that you are
driving uninsured when you thought you were covered! It happens
quite a lot.
With third party, it is possible to be covered while driving another
person's car, with permission of course. This is a feature that is
sometimes but not always included in the comprehensive policy.
Making sure you know that the full comprehensive policy might have
optional covers, including third party, but does not always have
them. This may be another reason for the confusion; comprehensive
may sound like it covers just about everything, but there are quite
a few items that it does not cover.
Another item that may or may not be included in a full policy is
Windscreen Endorsement. The beauty of this cover is that there is no
affecting the holder's no claims bonus. There is really no way
around it; accurate information requires that you learn the
insurance terminology and what they mean. If you assume too much,
you may find yourself in a situation the insurance does not cover.
Not only is this expensive, it can result in the beginning of a
criminal record, in some cases.