UK Motor Insurance

There are many risks involved when you own and drive a car. There are risks to both yourself and others. Motor insurance is a contract between you and your insurer and is designed to protect yourself and others against risks.

Your Motor Insurance cover specifies the rights of each party should any of the following occur: an accident, theft, vandalism, fire, loss, damage, or natural disaster. Your insurer will cover you for any event stipulated in your agreement so long as you have made all due premium payments.

Motor Insurance is designed to protect yourself and others against the aforementioned risks. If you are the cause of an accident your insurer will pay your liability to the other people involved in the accident.
A PAP (Personal Auto Policy) is a contract between you and your insurer specifying each party’s right and obligations.
After an accident has occurred your motor insurance can ensure that you can hire a vehicle should your own vehicle be deemed unfit to be on the road. It can help you carry on with your life as usuall.

The Law stipulates that a vehicle cannot be on the road without having been insured. It is illegal to drive a vehicle without insurance. In the UK 'Third Party Only' is the minimum legal requirement needed to be able to drive a vehicle on British roads. Third Party insures against loss and injury to others, it does not cover loss, theft or damage to you or your own car. Ideally to be fully covered for any eventuality you should try to get a fully comprehensive cover, it will cost you more but may be worth having.

Decide which policy you require, Consider the following:

What is the value of your car?
>What is the value of your possessions that you have in your car?
How much are you willing to spend on insurance premium payments?
How much are you prepared to pay in excess?
How likely do you think it is that any of the aforementioned risks will happen?
How flexible do you want your policy to be for you?
Is it important to stay mobile, would you require a courtesy car if yours was off the road?

Vehicle crime is rife in the UK an incident occurs every minute, so anything you can do to protect your car is of benefit to you. If you have all the security available on your vehicle such as alarm, immobiliser, you will probably be asked to pay a lower premium it could even help your costs if your car is kept in a garage over night and you could also pay a lower premium if your car has a vehicle Tracker.

Insurance companies can now get you mobile after having an accident pretty quickly, if your car needs repair they will probably ask you details over the phone, they then contact garages in your area that are on their ‘approved list’ for estimates to undertake the work. This can speed up the whole process and ensures good quality work.
More and more insurers are insisting that garages use computer technology to increase efficiency. In using and insisting such mediums are used the insurers are able to offer much more competitive premiums.

You can also cover yourself for legal expenses. Should the other party involved in the accident dispute your version of events the procedure could become rather lenghty and difficult. If you have covered yourself for legal costs then you could claim back any cost from the other party. Most insurers offer legal cover insurance as an optional add-on.
The premium you pay could be influenced by the type of car you drive, high performance, sporty cars are looked upon by insurers as being more attractive to thieves and more prone to be in an accident due to the higher speeds they can reach. The fact that replacement parts and repair costs are higher on certain cars is also reflected on premium payments.