When buying car insurance there are three different policy options to choose from, and selecting the right policy for you is one of the most important facets of this process.
The lowest priced policies on offer are 3rd party, this is the minimum legal requirement to drive a vehicle and only covers damage you inflict on a third party. Third party fire and theft (TPFT), will cover your vehicle if it is stolen or set on fire as well as third party coverage to pay for the damage you cause to them or their vehicle.
The third type is fully comprehensive, this covers everything the previous two do but in addition it will cover you against injury's to other people, as well as damage to other's property, also you will be covered on accidental damage and it should include any personal items you have inside your car .
There are, however, different types of fully comprehensive coverage and not all providers will provide you with the same things, for example, some companies will provide you with a courtesy car if yours happens to be off the road, some will require you to add that to the policy. European cover, legal expenses and windscreen cover are also available with the right policy. These will bump up your quote if you require them.
A like for like comparison is the best way to select your provider and remember, the cheapest deal may not always be the best for your personal requirements.
Although known as fully comprehensive, the cover supplied won't apply to every single form of damage. For example flood damage and riot damage are not covered, which may well have caught some people by surprise during the summer riots in London.
No insurance pays for general wear and tear; those repairs will have to be paid for out of your own pocket. It would also be worth checking if you are covered to drive other peoples' cars. The other car would have to be privately owned and of course you would require the actual owner's permission. With the damage that is covered there will be limits on what the insurance company will pay out for.
The best way to get truly comprehensive cover, or at least to know exactly what your policy does/doesn't cover, is to go through the small print thoroughly. Ensure you ask for what you need, and be very clear before putting pen to paper.
The lowest priced policies on offer are 3rd party, this is the minimum legal requirement to drive a vehicle and only covers damage you inflict on a third party. Third party fire and theft (TPFT), will cover your vehicle if it is stolen or set on fire as well as third party coverage to pay for the damage you cause to them or their vehicle.
The third type is fully comprehensive, this covers everything the previous two do but in addition it will cover you against injury's to other people, as well as damage to other's property, also you will be covered on accidental damage and it should include any personal items you have inside your car .
There are, however, different types of fully comprehensive coverage and not all providers will provide you with the same things, for example, some companies will provide you with a courtesy car if yours happens to be off the road, some will require you to add that to the policy. European cover, legal expenses and windscreen cover are also available with the right policy. These will bump up your quote if you require them.
A like for like comparison is the best way to select your provider and remember, the cheapest deal may not always be the best for your personal requirements.
Although known as fully comprehensive, the cover supplied won't apply to every single form of damage. For example flood damage and riot damage are not covered, which may well have caught some people by surprise during the summer riots in London.
No insurance pays for general wear and tear; those repairs will have to be paid for out of your own pocket. It would also be worth checking if you are covered to drive other peoples' cars. The other car would have to be privately owned and of course you would require the actual owner's permission. With the damage that is covered there will be limits on what the insurance company will pay out for.
The best way to get truly comprehensive cover, or at least to know exactly what your policy does/doesn't cover, is to go through the small print thoroughly. Ensure you ask for what you need, and be very clear before putting pen to paper.
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