The Cars

When buying car insurance there are three different policy options to choose from, and selecting the right policy for you is one of the most important facets of this process.

The lowest priced policies on offer are 3rd party, this is the minimum legal requirement to drive a vehicle and only covers damage you inflict on a third party. Third party fire and theft (TPFT), will cover your vehicle if it is stolen or set on fire as well as third party coverage to pay for the damage you cause to them or their vehicle.

Fully comprehensive covers fire and theft, but in addition it will cover you against injuries to other people and damage to other peoples’ property, also you are covered for accidental damage and it should include any individual items you might have inside your car.

There are, though, different types of fully comprehensive coverage and not all services will offer you with the same things, for example, some agencies will offer a courtesy car if yours happens to be off the road, some will require you to add that into your plan. European cover, legal expenses and windscreen cover are also available with the appropriate plan. These will bump up your estimate if you need them.

A like for like comparison is the best way to select your provider and remember, the cheapest deal may not always be the best for your personal requirements.

Although called fully comprehensive, the cover won’t apply to every single form of damage. For example flood damage and riot damage are not covered, which may well have caught some people out during the summer riots in London.

No insurance policy provides for general wear and tear; those repairs will have to be paid for out of your own pocket. It would also be worth checking if you where covered to drive other peoples cars. The other car would have to be privately owned and of course you would require the actual owner’s permission. With the damage that is covered there will be limits on what the insurance company will pay out for although this should be stated in your contract.

The number one way to get truly comprehensive cover, or at least to understand what your policy doesn’t cover, is to go through the small print completely. Ensure that you ask for everything that you need, and be extremely clear.

Learn more about keyword #1. Stop by Ashleigh Heywood’s site where you can find out all about keyword #2 and what it can do for you.