There are different levels of protection when looking into buying motor cover so this means there is a policy suitable for all your needs. You can go online and compare quotes for motor cover quickly and easily – or get a specialist motor insurance broker to do so on your behalf if you prefer.
Three types of cover
You need a motor insurance policy unless you want the police handing out penalties to you as it is illegal to drive without motor insurance on UK roads. You also need it to avoid having to pay for repairs or damage to your car in the event of an accident caused by you or should it get stolen or damaged.
If you were involved in an accident, depending on the level of cover you have, you could claim for repairs to the car. If it was written-off you would get up to a set amount of the value of the car back. You could also claim medical and legal costs and many other things.
If you only want the very basic form of car insurance cover which comes with the lowest premiums then third party only will meet your needs. It affords protection for any damage caused by you to a third party or their vehicle. However, any damage to your car would not be covered.
If you want to protect your car against fire and theft as well as third party cover, then consider taking third party, fire and theft insurance. This is also known as TPFT cover.
If you want full cover for your vehicle then you may wish to take out a fully comprehensive policy. This covers almost every eventuality and you can often have additional options as such as courtesy car in the event of an accident or legal helplines in the event of an accident.
Comparing what each motor cover policy contains along with the cost is essential if you are to get a quality product that fulfils your needs.
There are few simple tips you can employ when buying your motor cover:
• Do not automatically renew your motor cover without first shopping around. Not automatically renewing it with the same provider can often save you a great deal on the cost of your policy;
• Up your excess. All policy providers will ask you to pay so much as an excess in the event of a claim. However if you offer to pay more than the standard amount, then you are able to cut down the cost of the premiums;
• The safer your car is then the cheaper your policy can be. Install additional security features such as an immobiliser, steering wheel locks or a tracking device. If you park in a garage, your car is harder to steal meaning, in effect, cheaper premiums as you are less at risk of having your car stolen or damaged.
Do be sure that you fully understand the policy terms and conditions. Providers may try to tempt you with many a selection of small extras so consider this when making a comparison.
When looking for your motor cover, make the most of the internet for information available as it offers many tips on ways to make savings on your motor cover along with what to look for and how to choose the right policy for your needs.