It is a legal requirement in the UK to have a valid Car Insurance policy when driving a vehicle on public roads. The Road Traffic Act states that all motorists must be insured against their liability for injuring other people (including passengers) and for damage to other people's property resulting from the use of a vehicle on a British road.
Third Party Only and Third Party Fire and Theft
Third Party Only cover does not provide you with any benefits for your vehicle in the event of an accident or incident. If you are happy to pay for any damages to your own vehicle then this maybe a viable option for you as this will be less expensive. One third of motorists choose Third Party Fire and Theft. This is a good level of cover that provides the same liability cover as the Third Party only version plus it has the added feature of covering your vehicle for fire and theft incidents.
Fully Comprehensive
You can choose to have a Fully Comprehensive policy which covers everything that a Third Party Fire and Theft policy would plus accidental damage to your own vehicle, loss or damage to personal effects in the vehicle up to a stated limit and replacement of damaged/broken windscreens. Some Comprehensive policies have extras such as 'personal accident' benefits or a 'medical expenses' policy added. Make sure you read your policy details so you know exactly what you are covered for.
Top tips for a getting a lower premium
Fit an approved alarm and immobiliser
Change the excess you are prepared to pay on any claim to reduce the premium
Check your mileage to make sure you are not paying extra for miles you are not covering in your car
Only select to have a courtesy car or legal expenses if you really need them, as they may increase your premium
Keep your car parked in a locked garage overnight if you can - this can help reduce the premium
Car fraud tips
