To be legally able to drive on UK roads, you must have some form of car insurance. This is an absolute must and is also the reason why so many of us look for car insurance quotes every year. Failing to do so can cost you a fortune. However, millions of people do not know what type of insurance they have let alone what they are covered for because they do not take the time to look at their policies. This is a problem so you must familiarise yourself with the types of car insurance out there.
The three types of car insurance quotes available to you are fully comprehensive, third party and third party fire and theft. All insurers offer you all three of those options but there are vast differences between them. This is good because it gives you the choice of coverage but it can confuse you so let us set the record straight!
Third party car insurance is the simplest of the three because it only covers a few elements. It will cover you for any damage you cause to another car and for injuries you cause to another individual, including your passengers. However, it will not cover you or your car in the even of an accident, fire or theft. Unless the accident is someone elses fault, you have to cover your own damages.
Third party fire and theft is the next level up. It covers you in much the same way as third party does but it also covers you for theft and also if your car happens to catch fire. That is it though. It will not cover you or your car in an accident.
The highest level is fully comprehensive. The car insurance quotes for this will offer a whole range of elements in the cover. Taking out this policy will get you cover for all of the above and accident benefit, medical expenses, accidental damage, damage to your car and personal possessions damage.
It is wise to obtain car insurance quotes for all of the above to compare policies if you do not know what option will suit you or your needs. However, the type you choose will determine how much you are to pay because there is a gulf between the three types. So much so that you may not be able to afford the type you actually want.
Fully comprehensive car insurance is the most expensive form of insurance out there, with third party being the cheapest. For example, Mrs Cooper obtained car insurance quotes for her Vauxhall Corsa. Taking the cheapest quotes into account, there was 173 pounds difference between the third party and the comprehensive cover.
173 pounds is not a sum to be sniffed at. In fact, that much can easily be the difference between affordable and too expensive. Even if you know what type you want, keep an open mind because one may suit you better than another for any number of reasons.
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Before you make a decision on which type of car insurance quotes you require, check out APH. We can help by supplying useful help pages for all types of car insurance including over 50 car insurance.
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