There are two reasons for car insurance one
is in order to drive a car legally which is what the Third Party
Liability bit on the insurance is for and the other is to
protect that valuable assets that belongs to you.
Before you jump into doing a quote you should read the brief
information below as it will give you an indication as to what
will be asked of you before you can obtain a suitable quote so
reading this now may save time later.
If you didn't already know there are three levels of cover
1. Third Party
2. Third Part Fire and Theft
3. Fully Comprehensive
At the very least you need to have number one to comply with the
road traffic act.
Now the difference between how much you value your prize
possession and affordability depends on which cover you go
Obviously as you go up the scale the costs get greater but the
cover also appreciates. With that in mind it is a consideration
that should not be taken lightly.
Other aspects that should be taken into account are :-
Do you want social domestic and pleasure cover, do you want that
to include commuting to an from one place of work.
Will you need class one business use.
Do you want windscreen cover.
What excess are you prepared to accept.
Do you want legal protection cover included. This is important
with car insurance, because if you have an accident and it is
not your fault the legal cover can ensure that all your costs
are met in full without you have to put your hand in your pocket
Will this be your main car do you have the use of another as
this can reduce the premiums.
How much is your current no claims bonus. Do you want it
Where will the car be kept over night.
Have you had any previous claims or accidents.
Have you any convictions.
All these things any many more will have an impact on your
premiums depending on the answer they can either raise or reduce
what you ultimately have to pay.
With all insurance you should always give a full and truthful
answer as failure to do this will result in you being
un-insured. The difference with car insurance this could result
in a serious motoring offence, so get it right.