Insurance for your car is something that we are all required to
have. But there are so many areas, coverage's, terms, definitions
and rules that are so hard to understand.
So many go into an
insurance agency, purchase a policy for their car and have no real
idea of what they have. There are 3 types of coverage on a car
insurance policies.
You can review 3 car insurance policies and help you to
understand what they do and why. This way, you will know what you
need to protect your car and you and your family.
Third Party Only Car Insurance Policy
This is the cheapest car insurance policy and has the lowest level of
coverage available. This is also referred to as liability only. You
are covered for what you are liable for. This policy will only cover
damage done by your vehicle to another car or property.
There is
unlimited coverage for causing accidental injury or death, which,
without insurance, would cause you to lose everything you own to pay
for the damages. You have up to £20 million to cover damage from an
accident to the others property. You will also have foreign travel
to use your car in the EU countries for up to 60 days.
Now the important thing to know and remember about this car
insurance policy is
that there is NO coverage to repair any damage or replace your car
if it can’t be fixed. If you are in an accident that you are at
fault, you have no coverage for your vehicle at all.
You will be
responsible for any repairs on your car. You also will not have
coverage if your car or your belongings are destroyed or even
stolen.
This type of car insurance policy is not recommended for vehicles
that are still being held by the bank, or if it is paid for but
still has high replacement value. If you are still paying a third
party for your car, you will want to get a quote on our
Comprehensive Policy coverage.
Third Party Fire and Theft Car Insurance Policy
This car insurance policy covers everything that the Third Party Only
policy covers with some additional benefits. If your car is stolen
or damaged by the attempt of theft, or if it catches fire, struck by
lightening or explosion, you will have coverage.
Audio equipment is covered if it is standard by the manufacturer and
this will be subject to the terms and conditions with a maximum of
£500. There is also coverage for other fitted accessories to the car
or that is stored in your private garage.
If you have an after market audio system that you have had installed
or installed yourself, you will need to check with your agent if
there is extra coverage you can purchase for this as it is not
fitted to the car.
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This coverage are the additional coverage’s and still includes the
basic unlimited coverage for causing accidental injury or death, the
£20 million for the accidental damages and the foreign travel cover.
So, as you can see here, you have theft and fire coverage, but you
still do not have coverage to pay for damages sustained to your car
when you are in an accident. You will still be responsible for these
costs.
About Your Comprehensive Car Insurance Policy
This is the most expensive and the most extensive coverage car
insurance to protect you, your family and your car fully. This is
the most coverage you will need in a car insurance policy and will
provide you with the assurance that you will be taken care of if you
are in an accident.
You will not need to worry about where and how
you will be able to come up with the money to pay for your repairs
or how you are going to be able to buy another car. You will be able
to turn it all over to the insurance company and know that you will
be taken care of.
There are so many things that can happen to your car other than just
an accident or theft. Some of these things can be damage by
vandalism, or by storm or flood. How many times have you seen the
floods on the news with the cars floating down the street or just
buried in the water? Or what about those idiots that think they are
smart to go smashing your windows in?
Have you ever driven down the road and a stone hits your windscreen
and cracks it? This will be covered by this kind of car insurance
policy. Your windows can be very expensive to replace and it is a
comfort to know you have the right car insurance policy that covers
your glass.
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Have you thought about how you will get to work while your car is
being repaired after your accident? It could be a couple of weeks
and that is a long time to ask for rides or borrow your family’s
car.
Well, this type of car insurance policy also provides you with
a courtesy car, while your car is being repaired at an approved
shop. Your repairs will also have a 3-year guarantee, if an approved
repairer does them.
If your car is less than a year old and the repairs will exceed more
than 60% of your cars worth, you will be provided a replacement car
on a new for old basis. This is referred to as a total loss claim.
Medical expenses are also covered on this type of car insurance
policy. You will be covered up to £200. Medical costs can be very
expensive and ongoing. It is a benefit that you will be grateful for
when and if the time comes.
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In an accident you may have personal effect damaged, such as a
laptop computer, or other things that have replacement value in your
car. You will have coverage up to £100.
Most insured don’t’ really think about this, your focus is mainly on
the car itself and medical costs. This is why it is nice to have,
just as an additional benefit.
Your coverage’s for personal accident, which includes death and
injury, covers up to £5,000 for the driver and spouse. Now the
coverage’s that we have listed here for the Comprehensive car
insurance policy are additional benefits that also include the basic
benefits that were listed at the beginning of this article. Just to
review, they are:
1. Unlimited coverage for injury or death caused by accident
2. Accidental damages to others property up to £20
3. Coverage follows driver to drive other cars (subject to terms and
conditions)
4. Foreign travel, 60 days per trip in EU countries
5. Coverage for theft, fire, lightening or explosion
6. Fitted audio equipment by manufacturer covered maximum of £500
(subject to terms and conditions)
7. Fitted car accessories in the car or stored in your private
garage
Contact us and let us give you a quote for best and cheapest
insurance for you car. You can also get quotes for your home, life,
pets and even your bike. You can find us and more information to
help you with your car insurance policy needs thought the
quoting engine.
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recommendation of, any product or provider. If you choose to
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any uncertainties you should check with an authorised
independent financial expert for guidance in association with
your individual situation and particular requirements. A list of
advisers in your local area can be found at www.unbiased.co.uk.
