About Motor Insurance

The idea of car insurance is to move some of the financial hazards away from you. If your vehicle is damaged and you are not covered by insurance, you might have to cough up a substantial amount of money to repair it, or even purchase a new vehicle. If the accident involved a third party you might have to financially compensate them.

If you get the right motor insurance cover, you can be protected your investments that you might otherwise of had to spend on legal fees and compensation.

It is advisable to shop around for car insurance, like anything else, your insurance policy needs to be compared across many providers prior to your investment. If you follow this advice you are much more likely to get a comfortable deal on your insurance.

Third Party

With third party motor insurance policies, the aim is to protect other motorists who are on the roads with you. You must have at least a Third Party policy in the UK by law. This type of insurance only covers damages you've caused to others.

Third Party Fire & Theft

With third party fire and theft, in addition to third party cover, if your car is stolen or damaged as a result of theft you will be able to claim. If your car is damages as a result of fire which could be related to theft, as often a vehicle is burnt once it has been stolen, you can be covered for any expenses. Often you will need to pay the first hundred pounds towards any significant claim related to fire and theft, should this arise your insurance may even go up next time.

Fully Comprehensive

With fully comprehensive motor insurance you should be covered for any damage done to you're vehicle no matter what, though you will find a few clauses in your policies terms and conditions which will help prevent obvious fraud. One thing you should note is, no policy will cover you for everything.
Make sure you proof read any car insurance policy before you sign it. Again it is highly likely you will have to pay the first hundred pounds towards any significant claim. Though if the damage was not you're fault you should be able to claim this amount back from the other parties insurance. Read also about subaru.