Depending on the type of driver that you are will depend on the type of insurance you should take out, each policy has it's own advantages and differing cost.
I will discuss five different types of insurance currently available below.
Meaning one less of those car insurance questions for you to worry about.
The first is third party car insurance, this the base level option it covers injury to any passengers you are carrying and any damage you cause to other vehicles.
In general emergency medical costs are included but ongoing treatment will not be.
Any damage to your car will not be covered under the insurance such as theft, broken windows and faulty components.
The advantage of this policy is that it is cheap and as such affordable for first time drivers and students.
The next policy is third party fire and theft, this provides identical cover to the third party insurance discussed above but it also contains some additional benefits.
If your car sets alight or is set alight the insurance will cover any damage to the car, also if the car is stolen the insurer will still foot the bill.
Additional items may be added to this types of insurance but these vary with differing companies.
Fully comprehensive car insurance covers your car for all circumstances, it is abrieviated to fully comp.
This kind of insurance will cover you, passengers, damage to your car, damage to another car, broken windows and any electrical faults that occur within the car such as CD players.
As the car insurance market is highly competitive different providers may include additional benefits such as lost key cover for example.
As expected this type of cover is the most expensive but there are providers that can be a lot cheaper than most.
Another option to consider is short term car insurance this is for occasions where it is not convenient to pay to insurance a car for six months or a year, for example no more than one month.
A new option for car insurance that has recently been introduced is pay as you drive, this insurance is worked out on a per mile basis and uses GPS to track the movements of your car.
Different premiums are paid during different times of the day, for example it would be cheaper to drive on an empty road at midnight than a busy stretch at rush hour.
I will discuss five different types of insurance currently available below.
Meaning one less of those car insurance questions for you to worry about.
The first is third party car insurance, this the base level option it covers injury to any passengers you are carrying and any damage you cause to other vehicles.
In general emergency medical costs are included but ongoing treatment will not be.
Any damage to your car will not be covered under the insurance such as theft, broken windows and faulty components.
The advantage of this policy is that it is cheap and as such affordable for first time drivers and students.
The next policy is third party fire and theft, this provides identical cover to the third party insurance discussed above but it also contains some additional benefits.
If your car sets alight or is set alight the insurance will cover any damage to the car, also if the car is stolen the insurer will still foot the bill.
Additional items may be added to this types of insurance but these vary with differing companies.
Fully comprehensive car insurance covers your car for all circumstances, it is abrieviated to fully comp.
This kind of insurance will cover you, passengers, damage to your car, damage to another car, broken windows and any electrical faults that occur within the car such as CD players.
As the car insurance market is highly competitive different providers may include additional benefits such as lost key cover for example.
As expected this type of cover is the most expensive but there are providers that can be a lot cheaper than most.
Another option to consider is short term car insurance this is for occasions where it is not convenient to pay to insurance a car for six months or a year, for example no more than one month.
A new option for car insurance that has recently been introduced is pay as you drive, this insurance is worked out on a per mile basis and uses GPS to track the movements of your car.
Different premiums are paid during different times of the day, for example it would be cheaper to drive on an empty road at midnight than a busy stretch at rush hour.
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