What Are Your Options For Getting Your Car Insured

We all know that every year like clockwork we have to renew our car insurance. In the UK we need to insure our vehicles to be able to legally drive them on the roads. It does not matter what sort of vehicle you drive, every type of motorised transport needs at least third part insurance.

For an annual policy you can choose the cheapest type of insurance which is third party. This is the minimum type of cover you can get and pays out should you be at fault in an accident where you hit another road use. This type of insurance will only cover the other party and you will not be able to claim for your own car.

You can also add a fire and theft option onto a third party policy. In addition to third party coverage it covers your car should your car be stolen or burn out. This is a useful option if your car has any value, some people do not bother with fire and theft if they are driving a vehicle that is only worth a few hundred quid.

One of the most popular types of cover is fully comprehensive, this is basically the highest level of protection. It includes all the options we have just mentioned but in addition your car is covered if you need to make a claim to repair your own car. This may be an accident where you have damaged your own car.

So there are the levels of cover but what about usage. The first type of usage is social, domestic and pleasure, this means just using the car but not using it to drive to and from a place of work. The next level up from this is if you add on the commuting option. The commuting option will only cover you driving to and from a fixed place of work. After this you may need business insurance if you travel to many different locations in the course of your job, such as a salesman travelling to and from different offices.

As well as your annual car insurance policy you can also get day insurance and pay as you go insurance. A day insurance policy just covers you for that day, I does not have to be just one day it could be any where up to 28 days of cover. This type of policy is useful if you are borrowing a friends car or renting a vehicle.

A pay as you go policy means that you can just get the cover as you need it. This is a month at a time type of insurance that allows you to cancel it when you no longer need it. It also makes it easier to pay in monthly instalments rather than having to pay for an annual policy all at once.


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