Driving a car without insurance is simply not an option but finding the right policy for you can be tricky. Don’t fret, Hoppy and Quotezone are here to make the process a breeze. No one wants to spend hours researching the best car insurance deals so whether you’re looking to insure a new ride, find a better renewal quote or get cover with temporary insurance – Hoppy can help you do it. Below we have provided a general overview of the types of car insurance cover available on the market.
So, what exactly do we mean by car insurance? Car insurance is a way to protect yourself if you are involved in an accident and it is also a legal requirement if you own or drive a vehicle. Getting caught without car insurance can result in a £300 fine, six penalty points on your license or even a total driving ban.
Car insurance typically provides cover in instances where an accident causes injury to you or other passengers, or damage to property or another vehicle. Some types of car insurance can also provide cover in instances of attempted theft, if it’s stolen or damaged by fire.
There are three types of car insurance on the market for you to choose from and we’re going to break them down below.
Third party only: This is the minimum required level of cover to get you driving on UK roads and it only covers the cost of reimbursing other people, should you cause injury or damage to their vehicle. It will not provide you with any financial help toward treating your injuries or making repairs to your car.
Third party, fire and theft: This type of insurance includes all the cover from the previous policy while also providing compensation in instances where your car is damaged by fire, theft, or if it gets stolen.
Comprehensive: As you may have guessed, this type of policy is inclusive of third-party fire and theft cover. Additionally, it can help to protect you as a driver, with the potential to pay out should your car experience damage. Different policies can offer extras like coverage of medical and/or legal fees, depending on the provider.
Picking the right policy for you should go beyond simply searching for car insurance and picking the lowest quote. Consider factors like your age, driving experience, occupation, type of vehicle and the area you live in to get an idea of the best type of cover for you. For example, if you often hear about stolen vehicles in your area then it might be smart to pay a little extra to include theft cover.
The typical policy lasts 12 months and will need renewing annually, though some policies will ‘helpfully’ auto-renew when it’s close to expiry, so it’s important to make a note of renewal dates and shop around to get the best deals.
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