Motor Insurance in the UK

Motor insurance is likely to be the most expensive general cover you get. Because of this, you would be well advised to research your options before you commit any money to it. You can find yourself paying from as low an amount as £100 a year up to around £5-6000 a year, which is a tidy sum considering you ideally won't have to claim.

The most important thing is for the insurance that you get to meet your needs. It is quite easy, and quite common, for people to overpay for their motor insurance (of course, not those who take this site's advice!). But, however tempting it is to underpay for your Motor insurance, do not do it, because not having enough cover for your car could be disastrous.

The fact is that you are not permitted to use a car if you are not insured. Motor insurance provides you with cover for all of the risks inherent in using a vehicle. If you should be party to an accident where people or their property are damaged, you may have to pay thousands of pounds of compensation, and you should be covered for this.

You may also see your car as an investment that needs to be protected. Maybe your car will need repairs if damage occurs to it. Perhaps you may need to replace it as it has been deemed not to be roadworthy. Motor insurance will enable you to do this.

Before you part with motor insurance premium money, you could do a lot worse than arm yourself with the wide variety of information on this site. Perhaps you would like to understand the principles behind motor insurance, or the laws that govern the need for motor insurance. Maybe you are confused by the different types of policy that are available to you. If so, you can learn about the 'Act Only' policy, which may be little known, but is the lowest amount of cover available. Third party, third party fire & theft and comprehensive cover are also explained. You should be careful with comprehensive cover, by the way, as not ALL risks are taken care of by it, despite the name.

This site also explains to you how you can claim for recompense should you be involved in an accident or another type of 'claim event'. We look at accidents involving damage to yourself, your vehicle, other people and property.

We also advise you on how to lower your premiums, how to get the cheapest premiums and what the factors are that could cause your premiums to be raised.

Then we cover driving abroad, women only, high performance and insurance for young drivers. Finally, there's road tax, and how to make complaints.

 

 

 

 

 

 

 

 

 

 

 

 

 

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Motor Insurance

Ask About

> Motor Insurance Advice.....
> What are the laws regarding motor insurance in the United Kingdom?
> What are the principles behind motor insurance?
> What types of motor insurance policy are available?
> What is third party only insurance?
> What is third party fire and theft motor insurance?
> What does a comprehensive motor insurance policy cover?
> What is excluded from comprehensive insurance policies?
> How do I claim?
> What to do if you have an accident?
> How do I claim if an accident causes damage to my car?
> How do I claim if the accident involves a third party?
> What do I need to do if using my motor vehicle abroad?
> How do I find the cheapest motor insurance premiums?
> How can I lower my motor insurance premiums?
> How are my insurance premiums affected by convictions, drink driving etc?
> Why do some motor insurance specialise in just young drivers?
> Why do some motor insurers specialise in just lady drivers?
> Why do some insurers specialise in higher performance motors?
> What are the road tax rates by specific type of vehicle?
> Who should I contact should I wish to report a problem with an insurance company?
> Who do I contact if I have a complaint against a finance house?
> Who should I contact should I feel I have been a victim of misleading advertising?
> Are motor insurance laws different in Ireland?
> Are motor insurance laws different in Scotland?
> Are motor insurance laws different in Northern Ireland?
> Are motor insurance laws different in Wales?