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VEHICLE INSURANCE INFORMATION LIBRARY

Below you will see information on vehicle insurance.

        

VEHICLE INSURANCE

Every person in Britain that drives a vehicle in public areas and roads must have a minimum level of cover. Car insurance is the most popular type of insurance in the UK and even for your compulsory cover you can find a good deal don't just go with the first one that lands in front of you.

What Type of Motor Insurance is Compulsory?

The minimum level of vehicle insurance that you can take is called Third Party. This covers you for:

  • Damage to other people's property
  • Injury to other people (including your own passengers)
  • Accidents caused by your passengers
  • Liability for use of caravans/trailers attached to your car

If you are unable or unwilling to pay for further car insurance, this will adequately and legally cover you.

What Further Cover Can I Take?

You can take further cover especially if your car costs more to replace. Further cover might include:

  • Added Fire and Theft
  • Accidental damage to car
  • Medical expenses
  • Personal accident
  • Loss or Damage to Belongings in Car

Which Cover is Right for Me?

What level and type of cover you take is up to you, your personal situation and any special factors. The price of your car insurance is set according to a range of factors including:

  • Where you Live (postcode)
  • Your Age and Experience
  • Value of the Car
  • Your Claims History
  • Your Sex

Drivers under the age of 25 will pay more for car insurance because they are officially seen as being more likely to be involved in an accident than older, more experienced drivers. The same goes for sex women are still seen as being less likely to be involved in an accident than men. There are even specialist insurers who offer car insurance just for women, or just for older drivers.

If you live in inner city or 'urban' areas you will pay more because of the increased risk of crime burglary and vandalism.

        


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