Even though you may believe that you are the best driver in the United Kingdom, the fact of the matter is that you will need to be insured in order to operate a motor vehicle. Let us take a quick look at the intention of these plans as well as some of the most common variants and a handful of worthwhile tips when choosing a provider.
Basic Liability Insurance Plans
These plans are often referred to as third-party insurance packages. They are the most basic form of protection top legally operate a motor vehicle within the United Kingdom. However, their protection is very limited. In the event that you cause an accident which injures another driver or a passenger, the policy will pay out up until a certain limit. We should keep in mind that these plans will NOT take into account any damage caused to your vehicle.
Third-Party Fire and Theft
This can be considered the next step up in terms of vehicle insurance. In addition to basic liability, these policies will cover you in the event of a fire or a theft. There are some times when this plan could come in handy. If you happen to own an older vehicle, third-party fire and theft is quite cheap and still provides more protection when compared to standard levels. However, keep in mind that the rates will vary. These are determined by the make and model of your car, your driving history and any safety features that the vehicle may contain.
Fully Comprehensive Coverage
As the name suggests, this is the most thorough of plans available. It provides protection from fire, theft as well as third-party liability. In addition, damages to your own vehicle will be remunerated up until a certain point. This can be a great plan if you have just purchased a new car or if the contents of your vehicle are expensive . Many business owners will opt for this policy due to the increased level of premiums that will be paid out in the event of an accident. However, rates can vary dramatically and the majority of providers will ask that you make a significant down payment in order to secure a policy.
Top Tips to Find the Best Plan
There are several methods to encounter the most appropriate policy. First and foremost, compare and contrast different providers. Also, look into factors such as a defensive driving course may be able to lower your monthly premiums. There are likewise many times when maintaining a clean driving record will reduce rates as time goes by. Also, look at the length of each policy. Many are yearly contracted and will thereafter have to be renewed. On a final note, see if it is possible to include others such as a spouse or a family member within the same plan. This can often result in substantial rebates; saving you even more money in the long run.
These are some of the best pieces of advice if you have been looking to better appreciate the vehicle insurance policies that are currently on the market. If you take some time and perform the correct amount of research, it is always possible to find the best package for your individual requirements.
Top Providers
Whether you are a seasoned driver of you have just hit the road after graduation, there e is no doubt that you will be required to possess at least a basic insurance policy (liability alone). Not only is important to purchase the proper amount of coverage based around your needs, but saving money is always a very real concern. This can be a bit of a problem due to the sheer number of insurance firms which currently exist throughout the United Kingdom. Some have been around for decades while others might be new to the industry. The main question here is simple. How are you expected to find the appropriate provider without spending endless hours surfing the web? We have gone ahead and taken the guesswork out of the equation by creating a list of the top ten insurance providers of 2017. Please have a look below:
- Aviva Car Insurance
- Direct Line Car Insurance
- Churchill Car Insurance
- AA Car Insurance
- Sainsbury's Bank Car Insurance
- esure Car Insurance
- Marmalade Car Insurance
- AXA Car Insurance
- Geoffrey Insurance Services Car Insurance
Feel free to compare and contrast their offers in order to find the best package for your driving needs.
