Car insurance is a legal requirement when you drive any vehicle on the road. In order to obtain the cover, you will need a driving license and have your information readily available.
This cover protects you and the other vehicles on the road, should you be involved in a road traffic accident. There are different levels of cover, each one offering different benefits. You will be required to pay an annual premium and should you need to claim, an excess amount is payable. This level of cover can save you a lot of money, especially when it comes to your vehicle needing to be replaced rather than repaired.
The three different car insurance levels available range from basic cover to complete cover, all three provide you with the legal ability to drive on the road, though each one offers different benefits and premium amounts. The first one you may consider is third party cover. This car insurance provides you with protection should you be involved in a road traffic accident and will pay for repairs or replacement to third party vehicles or property. There is no protection when it comes to your own vehicle and is the most basic package available on the market.
The second option is third party, fire and theft. This level of cover provides you with protection when involved in a road traffic accident, covering any third party vehicles and property. It also provides you with the added protection of covering your vehicle against theft and fire. This cover does not pay for repairs or replacement of your own vehicle. Third party, fire and theft are also considered a basic package and the premium amount will reflect this.
The final car insurance option that you will want to consider is the comprehensive cover. This level of protection offers a complete cover from third party vehicles and property to your own vehicle. Your own vehicle is protected in the event of an accident for repairs or replacement and it is protected against theft and fire. This is the best cover available and while may be slightly more expensive, can save you a lot of money in the long run. Choosing which of these is the best option for you will depend on your vehicle and budget. If you have purchased a little run around and you are not driving on a daily basis, then the first option of third party may be all you need.
Anyone who only uses their vehicle to drive a mile to the shop and back may not need a complete cover, as long as the other vehicles are protected should you cause an accident, you will have to pay for your own vehicle repairs yourself. Anyone who drives on a regular basis and enjoys traveling by road and exploring the country will definitely benefit from a comprehensive cover.
Bear in mind that the premium amounts will also vary depending on the car insurance you choose, but at the same time the more you pay, the more you can save. If you go for the cheapest and most basic cover and are involved in an accident, you have to pay for your own vehicle repairs or replacement. Paying a higher premium and going for complete cover means in the event of an accident, you only have an excess to pay. There are other additional covers you can include in your car insurance to provide you with added benefits, which you need to consider when choosing the best one for you. These include courtesy car cover, breakdown cover, and voluntary excess and protected no claims cover.
