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Getting car insurance: Choosing suitable insurance

It is illegal to drive a motor vehicle in the UK without the correct insurance. Finding insurance for your own vehicle can be very confusing and a bit of a minefield. So you need to know what types of insurance there are and which will be most suitable for you.

There are basically three types of motor insurance and they are: fully comprehensive, third party fire and theft, and, third party only. Fully comprehensive offers most Motor insurance documentcover and allows you to be covered to drive someone else’s vehicle (with their permission of course). The other two offer much less cover but can be useful in certain situations.

Make sure you know what the policy excess is before making your choice, this varies a great deal and will have an impact on the overall price you pay for the insurance policy. Whatever the excess is, do think about this as this is the sum you will have to pay in the event of a claim and it may be that the excess is greater than the cost of the repair.

Watch out for hidden extras, many insurance companies will offer a variety of other products and services for an extra cost and some of these can cost far more than you might pay if you bought that service independently.

Searching for insurance can be extremely tedious and you can purchase in several ways. You might use a broker who does all the hard work for you and will offer you several proposals for you choose from. There are comparison websites where you type in your details and you will be offered a choice of policies. Some insurance companies are not included in the comparison websites so you will need to contact them directly for a quote. However you choose your insurance policy, try to get the best value for money that you can, remember that the cheapest isn’t always best.

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