Car InsuranceIt is against the law to drive a car in the UK without car insurance. Getting good insurance cover today is easy as there are so many companies offering cheap car insurance deals. There are several insurance options available to drivers which range in cost and the amount of cover offered: fully comprehensive, third party fire and theft and third party.
| | Top Car Insurers:
Churchill
Direct Line |
| Fully comprehensive is the most expensive because it offers the driver full cover for accidents they cause or are involved in whilst driving their car. Third party fire and theft is the next expensive and covers drivers for accidents caused solely by another driver. They are also covered against fire and theft to their vehicle. Third party is the cheapest and offers drivers the least coverage. Third party only covers drivers for accidents caused by somebody else. The cost of car insurance depends on many factors. The car the driver wishes to insure plays a major role. The insurance company will want to know the make and model of the car, the engine size and mileage on the clock. They will also want to know the driver's postal code to see if they live in a high risk area, which immediately bumps up a premium.
|
The driver's age and driving experience also play a major factor. The insurance company will want to know how long they have been driving and how long it has been since they last had an accident. Young, newly qualified drivers are statistically far more likely to have accidents than older, more experienced drivers. This is why car insurance quotes and premiums for young, newly qualified drivers can often run into thousands of pounds.There is a direct correlation between the years of experience a driver has and the amount of claims they make. As the amount of experience a driver has increases, the amount of claims decrease. Most insurance companies offer a no claims bonus to drivers who go a full year without making a claim. That bonus can be built on year after year and leads to policy premium discounts. A major breakthrough in recent years has been the addition of online car insurance companies that offer customers the ability to check online for the best quote themselves. These companies have helped drive the cost of insuring a car down by doing away with call centres.
|
