Car insurance is a contract between you and your insurer that basically means your insurer will provide you with financial cover and other agreed services (e.g. a courtesy car while yours is being repaired) in return for payment of your insurance premium. It is designed to protect you against possibly losing large sums of money if something should happen to your car. For example, if you have a traffic accident you could damage your car and those of other drivers plus you could sustain personal injuries or injure other drivers. Damage and loss of your property could also occur through fire, theft, vandalism or a natural disaster. Car insurance protects you financially against these risks.
Why do I need car insurance?
In the UK, it is a legal requirement to have at least the minimum level of car insurance, which is called Third Party Only. This provides insurance coverage against damage or injury caused by your car to others but it does NOT cover your any damage to, or loss from, your vehicle.
How can Insurance-Quote-Guide help me?
Getting a car insurance quote in the UK can be a very complicated process. Insurance companies need as much information from you as possible so that they can calculate your premium based on the risk from your own personal circumstances. This means they will need to know all about you, your car, where you live, your driving history and many other things.
Then, even when you give the same information to each insurance company you phone or contact on-line, the quotes you get still vary. This is because each insurer views your details slightly differently based on their own experiences and claim statistics. It will also depend on whether you have gone to an insurance broker or direct to an insurance company.
Confused? The Insurance-Quote-Guide website provides you with a step-by-step guide to the car insurance quote process and provides you with practical, impartial information to help you get cheaper car insurance:
- Car Insurance Quote Process: an easy-to-follow guide to the questions an insurance company will ask you and how best to answer them
- Cheaper Car Insurance: tells you why premiums vary between insurance companies and gives you money saving ideas to help you find a cheap car insurance policy
- Car Insurance Where You Live: lists a selection of companies offering car insurance in your local area, listed by county
- FAQs on Motor Insurance: answers all the most commonly asked questions about motor insurance
