Making a claim
If you have been in an accident, you only need to make a claim if it was your fault. If an accident was caused by another driver, their insurer will pay you. The penalties for driving without insurance are tough. Not only could you be fined up to £1,000 if you drive without insurance, but your vehicle could also be taken away from you and destroyed. Only cars that have been given a SORN or Statutory off Road Notice don’t require insurance.
Types of cover
If you are the at-fault driver in an accident, your insurance company will cover most of the cost, although you will need to pay an excess. If you do make a claim, you can expect your premiums to increase. There are various levels of car insurance to choose from, which are:
• Fully comprehensive
• Third-party fire and theft
This protects you, your vehicle, passengers and property as well as anyone else involved in an accident. It also covers you if your car is vandalised or stolen.
Third-party, fire and theft
This covers third parties involved in an accident but won’t pay for damage caused to your vehicle unless the damage is caused by fire. It will cover you against theft.
Third-party car insurance is the most basic option available and only covers injuries to others and their property. This option is often chosen by motorists who only drive occasionally.
QuoteRadar is designed to help you save money on car insurance. The vast majority of policies last for one year. You can leave your policy early but will need to pay a cancellation fee. Short-term policies are also available. The cost of your car insurance is typically determined by risk and the likelihood of you being involved in an accident. If an insurer sees you as a high-risk driver, you will pay more for your premiums. Factors such as the value of your car, your engine size, any modifications you have made to your car, whether you keep your car in a garage or outside your home and where you live will also influence the price that you pay for car insurance.
At QuoteRadar, we can help you get the best possible deal on car insurance. Our service is completely free, and we favour no insurer over any other. We have helped millions of people to get a better car insurance deal and can come to your assistance whether you need insurance for a car, van or bike.
All you need to do to get started is complete the quote form. Once you have done this, several quotes will appear on your screen, making it much easier to find the best deal for your specific needs. Why not get a car insurance quote right now?