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Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your pocket to pay for potentially huge repair or replacement costs.
Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.
Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.
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Comprehensive car insurance protects the policyholder against losses not covered by third-party liability in the UK. Having comprehensive car insurance for your vehicle makes you prepared if you need to restore your car to its original condition.
Comprehensive cover is the highest standard of car insurance available for drivers in the UK. Unless you are driving a specialised vehicle or transporting items for a business, comprehensive car insurance is the most coverage you will likely need. Also known as ‘fully comp’, comprehensive car insurance covers repairs to your vehicle and other vehicles you may damage. It also covers you in cases where you can’t prove who is to blame, such as somebody damaging your car and driving off.
The other common types of car insurance are Third Party and Third Party Fire and Theft. Third Party is the most basic policy, covering only damage to other cars and people. Third-party fire and Theft gives you slightly more cover by covering your own car if it is stolen or damaged by fire.
Third-party is a legal requirement because it covers all damages and medical costs to people other than the policyholder or his/her family who might be injured or killed in an accident caused by the policyholder. This protects both you and your legal liability insurer from any claims. If there were no third-party cover in place, any claim would place a claim on your own policy, whether the claim was legit or fraudulent. You would have to pay out of your own pocket for the claim to go through.
You can find out more information about the alternatives to comprehensive car insurance on U Switch, click here.
Comprehensive car insurance is the best choice for drivers who want complete peace of mind. Third-party policies are cheaper, but you will have to pay for any repairs to your own vehicle if you have an accident. This usually cancels any savings, making a comprehensive policy the better value option in the long run. Without a comprehensive policy, you may even pay for an entirely new car if your vehicle is written off after an accident.
Considered to be the “all-inclusive” coverage, comprehensive car insurance is necessary because it pays out if hit by unforeseen forces. The general rule is that this cover is not a legal requirement except for a Third-party insurance cover. Comprehensive car insurance is designed to cover you for most eventualities outside your control. It is an ideal option for those who require coverage. For instance, any damage or losses not caused by collisions, weather-related incidents, and specific medical issues that may arise while driving.
Whether you’re driving your own vehicle or a company car, your comprehensive insurance will help protect your investment from the risk of theft, collision, and more. This insurance covers the following damage to your vehicle including:
Other benefits include:
As you would expect, comprehensive car insurance costs more than a basic policy. Your insurer will have to pay out more if you are involved in an accident, and your premiums will reflect this. However, that doesn’t mean you can’t get a good deal. There are dozens of car insurance companies to choose from, so it always pays to shop around. At Insuro, we make it our mission to find you the most competitive prices on comprehensive car insurance. Compare today and see how much you can save.
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