Car Insurance In The UK Review

This article has been written in order to help those of you that are currently looking for car insurance in the UK or already have car insurance in the UK. Unbeknown to a lot of us, you may think that you are insured and are happily driving around safe in the knowledge that should you, God forbid, be in an accident that you will not have to worry about your insurance company paying out. There are actually a few points that I have decided to clarify within this article so that you are aware of what can happen if you do not ensure that your car insurance actually covers what you need.

Understand the Insurance Bands for Car Insurance in the UK

These can be pretty confusing, so in this section, I intend to explain them to you. There are 20 different bands for car insurance in the UK. No: 1 is considered to be those insured are at the lowest risk for any insurance company taking the driver on. No: 20 is considered to be the highest risk for insurance companies. Depending on which band you fall into will depend on how much your insurance will cost you.

Such factors as the size of the engine on your vehicle, what the top speed is and….this will surprise some of you, even the weight and how much the parts cost on your car will also be factors that are taken into consideration when deciding on which band your car will fall into. For further information on which type of band your car will fall into, you need only enter the phrase “which UK car insurance band will my vehicle fall into in the UK” into your chosen search engine. There are plenty of websites that have been set up in order for you to find this out. It is important that you do know which band your vehicle falls into prior to hunting down any type of car insurance in the UK; this will eliminate any nasty surprises when you start to collect quotes from insurance companies.

Types of Car Insurance in the UK that are Available

There are 3 types of car insurance in the UK and these are listed below:

Third Party – This is one of the oldest types of policy that you can choose and these days, not many people decide on this as it really doesn’t cover a lot of insurance needs for modern drivers today. It is very basic and will not cover you for most of the problems that can occur on the roads today.

Third Party Fire and Theft – This type of policy does what the title suggests, you will get the most basic of form of insurance cover, and your vehicle will also be covered for theft and fire.

Fully Comprehensive – This sort of policy is one of the most popular available in the UK market today and although it costs more, you will find that you are covered for pretty much any type of accident that may occur, whether it be a small scratch or an accident that means that your vehicle is a write off.

How to Decide on the Right Insurance Company for You

When looking for car insurance in the UK, it can be a real mine field; insurance is big business these days for all forms of life, cars are no exception. One of the biggest problems the UK has at the moment is the amount of people that have arrived into the country from around the world and do not get their vehicles insured because they do not understand how the system works. Many insurance companies have taken this on board and now offer policies that will protect you from these sorts of drivers. One way you can find the right car insurance company for you, is to go to a price comparison website on the internet. These sorts of companies are relatively new to the UK market; however, they have taken the insurance arena by storm. Whilst people are hugely conscious of ensuring that their vehicles are properly covered, they also want to save money as well.

These types of websites will allow you to enter all of the details of your car and will then give you results of the best insurance companies that can help. Do bear in mind however, that this is in no way a way of making sure that the company you are presented with is reputable and knows what they are doing. There are many car insurance companies that have decided to move away from the whole price comparison website arena and advertise this fact with pride. My advice when you are looking for car insurance in the UK is to do your home work. Make sure that you know which band your vehicle falls into by using the advice given at the beginning of this article. Take some time to really research the right insurance company; this may take you some time however, could save you a lot of money in the future.

Young Drivers and Car Insurance in the UK

This has become an inherent problem for car insurance companies in the UK, especially when it comes to young male drivers. This band of car owners are constantly bombarded with adverts on how they can make their cars go faster, add spoilers, bore out the engines, the list goes on. As a result, car insurance in the UK has become pretty pricey for those of you that are in your late teens or mid to late 20’s. The advice here is that you should do your best to ensure that you do not do anything to your car that is likely to cause the price of your policy to go up. It is easy to have you head turned by those fancy spoilers or engines that growl as they go speeding past however, this does meant that you will be considered a greater risk when taking out car insurance in the UK.

A Little Bit of History about Car Insurance in the UK

Car insurance in the UK was first introduced in the early 1930’s. This came about when the Government realised that the use of cars was becoming increasingly more popular and saw a way of making extra money in order to keeps roads looking their best and to also ensure that they were safe to use. As previously mentioned, this is when the third party insurance policy was introduced. Later in the mid 1980’s The Road Traffic Act was born and this when car insurance in the UK became more complicated and the policies that were available became more comprehensive.

In Conclusion

Do remember that car insurance in the UK is a LEGAL requirement and should you be stopped by the police and they find that you have no insurance you WILL be prosecuted to the letter of the law. Do also remember that car insurance in the UK is there for a reason, to keep you safe! Of course, car insurance will not stop accidents from happening, however, it you do happen to be in an accident that means you need hospital treatment; the last thing you need to be worrying about is how you are going to pay to have your car repaired or replaced.

Once you have found out which band your car falls into, done your research on the best car insurance company for you and actually signed up to a policy you will be given something called a “cover note”. This is one of the most important pieces of paper relating to car insurance in the UK and should be kept to hand within your vehicle at all times. It’s also worth having a copy of it in your home, just in case your car goes missing. When or if you are stopped by police in the UK, you will be asked for your cover note as a matter of normal police practice; the cover note is just as important as your driving licence.

Above all, I hope this article has been of use to you and that you are now feeling a better about how to obtain car insurance in the UK. The aim is for you to enjoy your driving experience when using the roads in the UK and to ensure that you have the right insurance policy for you. It doesn’t have to be hard work and it doesn’t have to cost you and inordinate amount of money…there are plenty of reputable companies out there that have great policies at reasonable prices. Just make sure that you dot all the I’s and cross all the T’s before you sign anything. The last thing you need is to find out at a later date that the car insurance policy you have taken out does not cover everything you need when driving in the UK.

All that’s left to be said is happy and safe driving!

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